Search found 33 matches

by Razasharpz
Sun Jan 19, 2020 10:28 am
Forum: Personal Investments
Topic: How much to hold in international equities (VTIAX)?
Replies: 248
Views: 15595

Re: How much to hold in international equities (VTIAX)?

I do 20%. I would never consider more. If anything I'd go less.
by Razasharpz
Sun Jan 19, 2020 8:24 am
Forum: Personal Finance (Not Investing)
Topic: Why retire?
Replies: 267
Views: 17414

Re: Why retire?

Retirement isn't really going to be a word for millennials. "retirement" is a dirty word in general, more people need to think about the word "transition". When you slow down, you go down. If you want to be the Grandpa that spends his days watching Grandchildren play on the carpe...
by Razasharpz
Sun Jan 19, 2020 8:21 am
Forum: Personal Finance (Not Investing)
Topic: Fidelity as a one stop shop
Replies: 1693
Views: 245918

Re: Fidelity as a one stop shop

just open a brokerage account at a bank so you have all your money in one place. At worst you pay a small fee everytime you buy more mutual funds, but that fee doesn't really matter if you buy $5000 worth at at time. I get all my Vanguard through USBANK
by Razasharpz
Sun Jan 19, 2020 8:17 am
Forum: Investing - Theory, News & General
Topic: How overvalued is this current market anyway?
Replies: 79
Views: 8229

Re: How overvalued is this current market anyway?

The market isn't overvalued. We're near recession-proof.
by Razasharpz
Sun Jan 19, 2020 8:12 am
Forum: Investing - Theory, News & General
Topic: Isn’t Inflation Much Larger Than 2%?
Replies: 289
Views: 19570

Re: Isn’t Inflation Much Larger Than 2%?

I just bought a gallon of milk from Aldi's for $1.68. I'd hardly call that inflation.
by Razasharpz
Sat Jan 18, 2020 1:03 pm
Forum: Investing - Theory, News & General
Topic: Are Fidelity Zero Funds Underperforming or ...
Replies: 28
Views: 5996

Re: Are Fidelity Zero Funds Underperforming or ...

Fidelity Zero just isn't at Vanguard Admiral Class level.
by Razasharpz
Thu Jan 16, 2020 8:35 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks continue to soar!
Replies: 10433
Views: 823824

Re: U.S. stocks continue to soar!

Bogleheads complaining the market is too high. Good grief. Don't ever stop buying VTSAX
by Razasharpz
Wed Jan 15, 2020 7:20 am
Forum: Personal Investments
Topic: Backdoor Roth for '19 and '20 Question
Replies: 10
Views: 470

Re: Backdoor Roth for '19 and '20 Question

how do you convert traditional IRA to Roth IRA? Do you just tell your tax guy to do it? Or do you just transfer the TIRA funds from your brokerage over to the RIRA brokerage and then wait for the tax form to arrive?
by Razasharpz
Tue Jan 14, 2020 6:27 pm
Forum: Personal Investments
Topic: $100K to Invest - Complete Beginner
Replies: 21
Views: 2058

Re: $100K to Invest - Complete Beginner

Those funds only pay out dividends twice a year. Vanguard will pay out 4 times a year.

Also you don't need 20% in bonds at age 30 especially in this bull market. Go something like my sig.
by Razasharpz
Tue Jan 14, 2020 6:01 pm
Forum: Personal Investments
Topic: All-In-One Fund vs. VTSAX+VBTLX
Replies: 23
Views: 3330

Re: All-In-One Fund vs. VTSAX+VBTLX

Not a fan of the target date funds they put too much in bonds too early.
by Razasharpz
Mon Jan 13, 2020 8:07 pm
Forum: Personal Investments
Topic: Boglehead Newbie pulled the trigger....
Replies: 22
Views: 5553

Re: Boglehead Newbie pulled the trigger....

60 mutual funds... where do people find these quacks? Even when I had one they only threw me in with 12 lol.
by Razasharpz
Mon Jan 13, 2020 8:00 pm
Forum: Investing - Theory, News & General
Topic: The Three-Fund Portfolio
Replies: 3013
Views: 1925465

Re: The Three-Fund Portfolio

Fired my financial adviser and am now rocking the 3 funds in my sig. All admiral ^__^
by Razasharpz
Mon Jan 13, 2020 7:57 pm
Forum: Investing - Theory, News & General
Topic: Dave Ramsey [“good growth mutual fund”]
Replies: 73
Views: 9317

Re: Dave Ramsey [“good growth mutual fund”]

Just read Dave Ramsey's book and did a search on Bogleheads to see what the consensus of this guy was. Glad to hear that that most people think he's delusional with his front-loaded 5.75% funds + expense ratio.
by Razasharpz
Sun Jan 12, 2020 7:06 pm
Forum: Personal Investments
Topic: Student loan debt vs. VTSAX
Replies: 40
Views: 3451

Re: Student loan debt vs. VTSAX

pay your student loan off in full. Should be common sense.
by Razasharpz
Sun Jan 12, 2020 10:52 am
Forum: Investing - Theory, News & General
Topic: Vanguard Total International Stock Index Fund
Replies: 69
Views: 5325

Re: Vanguard Total International Stock Index Fund

Those charts justify why I will never put more than 20% into VTIAX.
by Razasharpz
Sun Jan 12, 2020 10:49 am
Forum: Personal Investments
Topic: New Here Fidelity or Vanguard
Replies: 115
Views: 7365

Re: New Here Fidelity or Vanguard

Vanguard, it's investor owned. Fidelity is owned by the Johnson family. You can trust Vanguard. Fidelity is a bit more sketchy just on that simple-fact alone. Which do you think is more sketchy? (I ask this as a customer of both Fidelity and Vanguard.) https://www.consumeraffairs.com/finance/fideli...
by Razasharpz
Sat Jan 11, 2020 8:12 pm
Forum: Personal Investments
Topic: 30/70 in Accumulation Phase?
Replies: 80
Views: 8380

Re: 30/70 in Accumulation Phase?

30/70 good grief...

Even jack himself only did 50-50 in retirement.
by Razasharpz
Sat Jan 11, 2020 5:57 pm
Forum: Personal Investments
Topic: VTSAX VS FSKAX [Vanguard vs. Fidelity Total Stock Market]
Replies: 17
Views: 16191

Re: VTSAX VS FSKAX [Vanguard vs. Fidelity Total Stock Market]

One possible consideration could be minimizing taxable distributions. FSKAX Distributes in April and December Buy $500,000 FSKAX on 1-02-2019 at NAV $70.66 equals 7076.139 shares April 2019 DIVIDENDS of 0.244 equals $1726.58 April 2019 CAP GAINS of 0.127 equals $898.67 Total April distributions of ...
by Razasharpz
Sat Jan 11, 2020 4:14 pm
Forum: Personal Investments
Topic: [Deleted]
Replies: 23
Views: 1795

Re: Emerging Bonds: Index (VWOB) vs Active (VEGBX )

watchnerd wrote: Sat Jan 11, 2020 4:03 pm
Razasharpz wrote: Sat Jan 11, 2020 3:59 pm Always index.

Active is a bad word.
Do you think market weight is the way to go with EM bonds?
Never owned international bonds in my life and don't think they're necessary in any portfolio.
by Razasharpz
Sat Jan 11, 2020 4:03 pm
Forum: Personal Investments
Topic: Question on the lost decade
Replies: 44
Views: 4027

Re: Question on the lost decade

Protection is overrated. Keep your money invested for decades and there is no risk.

Keep the 20% international and 10% bonds to smooth out the next financial collapse for ages 30-45. That way instead of losing 50% of your wealth you'll only lose 35-40%.
by Razasharpz
Sat Jan 11, 2020 3:59 pm
Forum: Personal Investments
Topic: [Deleted]
Replies: 23
Views: 1795

Re: Emerging Bonds: Index (VWOB) vs Active (VEGBX )

Always index.

Active is a bad word.
by Razasharpz
Sat Jan 11, 2020 3:58 pm
Forum: Personal Investments
Topic: VTSAX VS FSKAX [Vanguard vs. Fidelity Total Stock Market]
Replies: 17
Views: 16191

Re: VTSAX VS FSKAX [Vanguard vs. Fidelity Total Stock Market]

I think there is something to discuss with how dividends are distributed (Vanguard 4 times a year) (Fidelity twice a year). If both funds gave 10% return every year for 30 years which one would come out on top? given the different expense ratios and dividend structure? Need someone on the board that...
by Razasharpz
Sat Jan 11, 2020 3:17 pm
Forum: Personal Investments
Topic: New Here Fidelity or Vanguard
Replies: 115
Views: 7365

Re: New Here Fidelity or Vanguard

Vanguard, it's investor owned. Fidelity is owned by the Johnson family.

You can trust Vanguard. Fidelity is a bit more sketchy just on that simple-fact alone.
by Razasharpz
Sat Jan 11, 2020 3:15 pm
Forum: Personal Investments
Topic: Where do you keep your Emergency Funds? How is it invested?
Replies: 139
Views: 12015

Re: Where do you keep your Emergency Funds? How is it invested?

Emergency funds are in a straight up checking and savings account like they should be if we're talking about a "real-emergency".
by Razasharpz
Sat Jan 11, 2020 3:02 pm
Forum: Personal Investments
Topic: Asset allocation - Help
Replies: 21
Views: 797

Re: Asset allocation - Help

How old are you?
by Razasharpz
Sat Jan 11, 2020 2:53 pm
Forum: Personal Investments
Topic: VTSAX VS FSKAX [Vanguard vs. Fidelity Total Stock Market]
Replies: 17
Views: 16191

Re: VTSAX VS FSKAX [Vanguard vs. Fidelity Total Stock Market]

Fidelity has cheaper expense ratios but Vanguard is the only one that pays dividends quarterly. Fidelity pays semi-annually.

It's really theoretical which fund outperforms the other in the long run. Too much math.
by Razasharpz
Sat Jan 11, 2020 2:27 pm
Forum: Personal Investments
Topic: Inherited RMD Reminders
Replies: 20
Views: 1400

Re: Inherited RMD Reminders

Automated RMD isn't great because you want to take it when the market is high. If you're forgetful you should definitely get on the automated program though.
by Razasharpz
Mon Jan 06, 2020 7:59 pm
Forum: Personal Investments
Topic: Pick my Allocations for 3 accounts
Replies: 2
Views: 349

Pick my Allocations for 3 accounts

What is it: Inheritance IRA $80,000 What I want to do : (VTSAX 70%) (VTIAX 20%) (VBTLX 10%) What is it: Pre-Tax IRA $15,000 What I want to do: (VTSAX 100%) What is it: Roth IRA $7,000 What I want to do (VTSAX 100%) I'm 31 years old. Do you think these allocations are fine? I'm not looking to change...
by Razasharpz
Sun Jan 05, 2020 6:21 pm
Forum: Investing - Theory, News & General
Topic: Vanguard Continues to Lower the Cost of Investing with Expansion of Commission-Free Platform Beyond ETF
Replies: 71
Views: 5471

Re: Vanguard Continues to Lower the Cost of Investing with Expansion of Commission-Free Platform Beyond ETF

Moved all my [stuff --admin LadyGeek] out of Vanguard to my bank because I just like keeping all my money in one place. Now I just self-direct brokerage through USBank.

Thank god.
by Razasharpz
Sun Jan 05, 2020 1:49 pm
Forum: Investing - Theory, News & General
Topic: The Three-Fund Portfolio
Replies: 3013
Views: 1925465

Re: The Three-Fund Portfolio

VTIAX or VTMGX (15%), VTSAX (75%), VBTLX (10%) for Ages 30-50.

Set it and forget it. Enjoy being rich.
by Razasharpz
Sun Jan 05, 2020 1:48 pm
Forum: Investing - Theory, News & General
Topic: VTSAX & VTIAX Dividends
Replies: 19
Views: 2607

Re: VTSAX & VTIAX Dividends and Interest payouts

Drop Vtiax for VTMGX.
by Razasharpz
Sun Jan 05, 2020 1:47 pm
Forum: Investing - Theory, News & General
Topic: Total International vs Developed Markets: a straightforward question
Replies: 22
Views: 4234

Re: Total International vs Developed Markets: a straightforward question

You'll want to go with the VTMGX here. Lower expense ratio and proven higher returns than VTIAX. You don't need that much extra diversification.. You're already getting a lot done. [edited by moderator Misenplace]

70% VTSAX, 20% VTIAX, 10% VBTLX

Done.