Search found 69 matches

by RTF
Tue Mar 02, 2021 11:59 am
Forum: Personal Investments
Topic: Vanguard Experiences?
Replies: 18
Views: 1462

Re: Vanguard Experiences?

I hold only vanguard funds but at Charles Schwab and couldn’t be happier. I started off using Vanguard but I wasn’t impressed with the website or the level of service I would get when I would call. In fact, if I would have listened to the rep and did as he said, I would have needlessly created a tax...
by RTF
Tue Jan 26, 2021 1:42 pm
Forum: Personal Investments
Topic: 50 year old with 95% equity exposure - might be forced out of job
Replies: 94
Views: 11861

Re: 50 year old with 95% equity exposure - might be forced out of job

I'd just make it 90/10 (Buffett portfolio) and stay the course. At 50 yo still have plenty of time to tolerate SORR , and lowering equity exposure too early can hurt long-term growth in my opinion. That's not how it works. If you're pulling money, it doesn't matter what age you are or how long you ...
by RTF
Sat Jan 16, 2021 8:51 pm
Forum: Personal Finance (Not Investing)
Topic: Splitting time between 2 states (Florida)
Replies: 15
Views: 1782

Re: Splitting time between 2 states (Florida)

Cycling around Florida for 2 weeks at a time every month? I guess everyone’s different, but that sounds less than practical. I’d find a way to make a car situation work, it’s incredibly inconvenient and adds up fast when you are continually renting a car there. I’ve done this very thing except I was...
by RTF
Tue Nov 24, 2020 11:59 am
Forum: Personal Finance (Not Investing)
Topic: Buying a house in NJ, how much to spend?
Replies: 75
Views: 5151

Re: Buying a house in NJ, how much to spend?

My wife and I are kind of in a similar situation as well and have a similar income as the OP. We’re currently renting in Morris county and feel somewhat priced out of the nice neighborhoods when we factor in everything. My wife works in Morristown and I drive in to JFK once possibly twice a week, so...
by RTF
Wed Nov 18, 2020 4:05 pm
Forum: Investing - Theory, News & General
Topic: Fed up With Flagship
Replies: 291
Views: 20153

Re: Fed up With Flagship

I have been a customer for about 4 years and haven't had any reason to talk to customer service. The only reason I might would be to convert VTSAX and VTIAX into VTI Funny you mention this. During my brief time with VG, that was the only meaningful thing I remember calling them about as well. I cal...
by RTF
Fri Nov 13, 2020 10:51 am
Forum: Personal Finance (Not Investing)
Topic: Aging parents - who pays for expenses related to medical care
Replies: 109
Views: 5699

Re: Aging parents - who pays for expenses related to medical care

You should bill your parents for this as soon as they bill you for little league jerseys, childhood vacations and meals to feed your childhood friends during sleepovers. This cannot be serious. +1 [/quote This can’t be serious. But if it is, no, I wouldn’t expect my parents to validate my parking w...
by RTF
Mon Nov 02, 2020 7:33 am
Forum: Personal Finance (Not Investing)
Topic: Am I crazy to get Tesla Model Y?
Replies: 50
Views: 4012

Re: Am I crazy to get Tesla Model Y?

Please don't open a HELOC to pay for this. If you don't need the car immediately, wait and keep saving cash. I bought a bunch of TSLA earlier this year and am letting it sit until the RWD is available. The problem is the Jeep is junk and needs a new transmission and some other big ticket items at 5...
by RTF
Mon Oct 19, 2020 9:49 am
Forum: Investing - Theory, News & General
Topic: Megaback door roth- am i understanding this correctly?
Replies: 23
Views: 2412

Re: Megaback door roth- am i understanding this correctly?

I also have access to a mega back door but have never been able to use it. I’m hoping 2021 will be different. It looks like on my account I have the option to add “after tax” contributions directly from my pay check, not a lump sum from my checking account. Would I just make monthly contributions, ...
by RTF
Mon Oct 19, 2020 9:15 am
Forum: Investing - Theory, News & General
Topic: Megaback door roth- am i understanding this correctly?
Replies: 23
Views: 2412

Re: Megaback door roth- am i understanding this correctly?

I also have access to a mega back door but have never been able to use it. I’m hoping 2021 will be different. It looks like on my account I have the option to add “after tax” contributions directly from my pay check, not a lump sum from my checking account. Would I just make monthly contributions, s...
by RTF
Fri Sep 25, 2020 9:08 am
Forum: Personal Investments
Topic: Long Suffering VXUS Holder No More
Replies: 216
Views: 20667

Re: Long Suffering VXUS Holder No More

It’s been said that approx 45% of the revenue generated from the companies in the S&P 500 is from international markets. Has anyone seen numbers from VTI? I assume it’d be similar to S&P but would be curious nonetheless. It always amazes me the staunch support for ex-US here when some of the...
by RTF
Fri Sep 04, 2020 2:11 pm
Forum: Personal Investments
Topic: What single individual stock would you buy?
Replies: 164
Views: 16018

Re: What single individual stock would you buy?

What % of ones portfolio could to be allocated to individual stocks and still be “boglehead” approved? I seem to remember Jack saying something in the 5-10% range.
by RTF
Thu Aug 13, 2020 7:41 pm
Forum: Personal Finance (Not Investing)
Topic: My kid scratched my neighbor's new car
Replies: 115
Views: 7665

Re: My kid scratched my neighbor's new car

Hello, Really would appreciate Boglehead feedback here. My 7 yr old kid was riding his bike and hit my neighbors car. The scratch seemed relatively minor but this is a brand new SUV (took delivery of it a day ago!). It looks like the estimate from the dealer's collision agent and it comes out to $2...
by RTF
Tue Aug 04, 2020 8:26 am
Forum: Personal Finance (Not Investing)
Topic: Rental property investing and #'s explained (why real estate can be a great investment)
Replies: 138
Views: 9368

Re: Rental property investing and #'s explained (why real estate can be a great investment)

Hello all, I have had someone in another post not believe my claims of being able to beat the avg return (9-10% return) of stocks through real estate investing. They asked to see my #'s and I have seen similar posts in other threads. So, I'm here to post the #'s on one of my actual rental propertie...
by RTF
Tue Jul 28, 2020 12:37 pm
Forum: Personal Finance (Not Investing)
Topic: Extra mortgage payments OR not
Replies: 52
Views: 5025

Re: Extra mortgage payments OR not

In about 7 years or so, it's reasonable to expect that, with inflation, in 7 years the standard deduction will be $27,500. Break-even. OR, stated in other words, from that point on, there is no tax benefit for the mortgage interest. That 3.875% interest rate becomes AFTER-TAX interest rate, which w...
by RTF
Fri Jul 24, 2020 5:51 pm
Forum: Personal Investments
Topic: Where to invest house funds if not going to be used for years?
Replies: 4
Views: 422

Re: Where to invest house funds if not going to be used for years?

1. What would the rest of you do with the 80K? Am I completely crazy putting it into VTI? Relative to your actual question about the house, I would say you would be crazy. If you retain the one year spending emergency fund and invest everything else at about 80/20, that might be more prudent prepar...
by RTF
Fri Jul 24, 2020 5:22 pm
Forum: Personal Investments
Topic: Where to invest house funds if not going to be used for years?
Replies: 4
Views: 422

Where to invest house funds if not going to be used for years?

First off, I just want to say thank you to everyone who contributes to this forum, your knowledge and thoughtful replies are greatly appreciated. My wife and I are in somewhat of a unique situation and would greatly appreciate anyone's advice. We recently (approx a year ago) moved to a HCOL area (Mo...
by RTF
Thu Jul 23, 2020 1:26 pm
Forum: Personal Investments
Topic: Am I eligible for Mega Backdoor Roth? And should I?
Replies: 21
Views: 1813

Re: Am I eligible for Mega Backdoor Roth? And should I?

Does one have to max out their traditional 401k before using the after tax contributions? I have this option in my 401k as well (empower) and have thought of doing this. I guess an example would be 15k into 401k, and another 15k in the “after tax” and roll into my Roth IRA at Vanguard.
by RTF
Thu Jul 23, 2020 11:33 am
Forum: Personal Investments
Topic: Bonds worth it?
Replies: 137
Views: 9876

Re: Bonds worth it?

I know most BHs prefer to hold total bond funds, but is there anything inherently wrong with holding both total bond and short term treasuries(vgsh) at the same time?
by RTF
Tue Jul 07, 2020 12:30 pm
Forum: Personal Investments
Topic: Changed AA
Replies: 52
Views: 2518

Re: Changed AA

Well I’m 29. I was 100% stocks 140k VTSAX and 2k in my 401k (100% stocks) I sold off 60k I plan to put 15k into gold and put 45k into ally bank high yield savings of 1.1%. Technically that will put me at roughly 57% stocks, 32% high yield savings, 11% gold. I wanted to hold alittle gold in my portf...
by RTF
Tue Jul 07, 2020 8:30 am
Forum: Personal Investments
Topic: Changed AA
Replies: 52
Views: 2518

Re: Changed AA

Well I’m 29. I was 100% stocks 140k VTSAX and 2k in my 401k (100% stocks) I sold off 60k I plan to put 15k into gold and put 45k into ally bank high yield savings of 1.1%. Technically that will put me at roughly 57% stocks, 32% high yield savings, 11% gold. I wanted to hold alittle gold in my portf...
by RTF
Fri Jul 03, 2020 11:08 am
Forum: Investing - Theory, News & General
Topic: Will ex-US ever revert to good performance? Or is it just a high-risk, low-reward investment?
Replies: 358
Views: 20060

Re: Will ex-US ever revert to good performance? Or is it just a high-risk, low-reward investment?

There are none: it’d be the investment management equivalent of malpractice. Do you have any sources for this or can give an example of this happening? I’d be interested in reading and learning more. I understand you’re very passionate about this, but this statement just comes across as emotionally...
by RTF
Fri Jul 03, 2020 9:58 am
Forum: Investing - Theory, News & General
Topic: Will ex-US ever revert to good performance? Or is it just a high-risk, low-reward investment?
Replies: 358
Views: 20060

Re: Will ex-US ever revert to good performance? Or is it just a high-risk, low-reward investment?

I'm curious -- does anyone know if there any Target-Date-like funds out there that don't hold an ex-us allocation? There are none: it’d be the investment management equivalent of malpractice. Do you have any sources for this or can give an example of this happening? I’d be interested in reading and...
by RTF
Tue Jun 30, 2020 2:49 pm
Forum: Forum Issues and Administration
Topic: For every "YES" there are 10 "No's" and Vice Versa?
Replies: 33
Views: 3713

Re: For every "YES" there are 10 "No's" and Vice Versa?

I have learned and still am learning an incredible amount of information everyday here. It amazes me the in-depth knowledge so many people freely give. One thing I have noticed though is it’s a pretty close minded group.(I lump myself in there as well) If the post doesn’t contain tickers like vti,vo...
by RTF
Mon Jun 29, 2020 8:12 pm
Forum: Investing - Theory, News & General
Topic: Do Index Funds Overvalue the S&P 500?
Replies: 12
Views: 1533

Re: Do Index Funds Overvalue the S&P 500?

...As we all know, Buffett tends to recommend the S&P 500 (but in my opinion doesn't ever explain why or if he prefers that to Total Market).... That is my opinion about Buffett's recommendation, too. With regard to your main point, you may have been infected, directly or at second or third-han...
by RTF
Mon Jun 22, 2020 11:21 pm
Forum: Personal Investments
Topic: How's my Asset Allocation? - 28 year old
Replies: 29
Views: 2333

Re: How's my Asset Allocation? - 28 year old

Hello, My wife and I are 28 and have a total of $130k invested in Roth IRAs at schwab. We want to be 100% stocks at least through our 30's. The corona bear didn't phase us or cause us to lose sleep. How does the following asset allocation look? I greatly appreciate the collective input! 50% Total S...
by RTF
Sun Jun 21, 2020 8:50 pm
Forum: Investing - Theory, News & General
Topic: Bogle vs Buffett Asset Allocation
Replies: 21
Views: 2321

Re: Bogle vs Buffett Asset Allocation

It's a great question. In my opinion, the main thing it tells you is just how imprecise everything in investing is. (It reminds me of a question I had myself back around maybe 2004 or so. At that time Burton Malkiel, author of A Random Walk Down Wall Street , was a member of Vanguard's board of dir...
by RTF
Sat Jun 20, 2020 7:29 am
Forum: Personal Investments
Topic: Ditching International
Replies: 274
Views: 16436

Re: Ditching International

Does looking at the data from the entire history of the stock market constitute recency bias? When you put much more weight on the past 8 years than on the 50+ years that preceded them, "yes" you are suffering from recency bias. Always appreciate your posts. Question: over the past 50 yea...
by RTF
Thu Jun 18, 2020 4:48 pm
Forum: Personal Investments
Topic: Down Payment Savings Method
Replies: 31
Views: 2195

Re: Down Payment Savings Method

My own savings are not relevant to OP's question. If I understood your response to OP correctly, you believe that it is never appropriate to save (cash or cash equivalent) for a down payment, regardless of the cost of the house. I am surprised, because I have never heard anyone say anything other t...
by RTF
Thu Jun 18, 2020 1:26 pm
Forum: Personal Finance (Not Investing)
Topic: Where do you keep your emergency fund?
Replies: 99
Views: 14022

Re: Where do you keep your emergency fund?

Question for you guys. My wife and I are currently living in New Jersey. We moved here about a year ago for my wife’s work. We are currently renting but will probably be buying a house here or in Pennsylvania in the next few years. I currently keep our EF/ Down payment fund in a CIT bank MM that was...
by RTF
Thu Jun 18, 2020 11:52 am
Forum: Personal Investments
Topic: Locking in the day's gains?
Replies: 19
Views: 1741

Re: Locking in the day's gains?

I'm pulling a monthly distribution from my TIRA on a set day each month automatically. Not market timing. I'm thinking it might be better to manually sell on trending up days to avoid this pitfall. Market timing. Would you mind expanding more on what’s the issue with this type of “market timing” I ...
by RTF
Thu Jun 18, 2020 8:58 am
Forum: Personal Investments
Topic: Locking in the day's gains?
Replies: 19
Views: 1741

Re: Locking in the day's gains?

I'm pulling a monthly distribution from my TIRA on a set day each month automatically. Not market timing. I'm thinking it might be better to manually sell on trending up days to avoid this pitfall. Market timing. Would you mind expanding more on what’s the issue with this type of “market timing” I ...
by RTF
Wed Jun 17, 2020 8:17 pm
Forum: Personal Investments
Topic: Larry beats the S&P 500.
Replies: 126
Views: 11762

Re: Larry beats the S&P 500.

I also have TRBCX in my 401k and have been happy with the results. I was thinking of simplifying and just going all VIIIX but just can’t bring myself to sell when it’s performing like it has for so long. Another one that has been doing well is TRPs Small/Mid cap growth fund. It’s funny you mentioned...
by RTF
Wed Jun 17, 2020 8:26 am
Forum: Personal Investments
Topic: Can my portfolio really be this simple?
Replies: 24
Views: 2413

Re: Can my portfolio really be this simple?

Obviously past performance doesn’t mean much, but has anyone else noticed VOO outperforming VTI as of late? I was playing with the portfolio visualizer, and VOO returned about $1,000 more than VTI on a $10,000 investment over the last 10 years.
by RTF
Wed Jun 17, 2020 7:28 am
Forum: Personal Investments
Topic: Looking for advice on participating in my first ESPP (employee stock purchase program) is it smart, and what % to use?
Replies: 4
Views: 360

Re: Looking for advice on participating in my first ESPP (employee stock purchase program) is it smart, and what % to us

Everyone that has access to these should contribute. A lot of people at my company use it as a savings a account of sorts, for things like Christmas and vacations. I can’t remember the specifics, but it was explained to me that with these programs the math math works out to be more like 17% returns ...
by RTF
Tue Jun 16, 2020 7:06 pm
Forum: Personal Investments
Topic: Ditching International
Replies: 274
Views: 16436

Re: Ditching International

I’m still a relatively new investor so please forgive my ignorance if I’m off base here, but didn’t Jack himself say that international was not needed at all? I remember him saying something to the effect that top US companies have so much international exposure that it’s just not needed, and if you...
by RTF
Sat Jun 13, 2020 7:07 pm
Forum: Personal Investments
Topic: Money market mutual fund for Emergency and known Expense
Replies: 16
Views: 1531

Re: Money market mutual fund for Emergency and known Expense

No penalty cd at ally or cit is your best bet, more than any mm fund out there I’m curious why everyone seems to recommend these CDs over a just a regular money market account. I set a up a CIT account a while ago and started at 1.8%. I just checked now and it’s still at 1.19%. I’m sure I’m missing...
by RTF
Sat Jun 13, 2020 8:31 am
Forum: Personal Investments
Topic: Advice for opening an IRA - firms/allocation? Converting to a roth?
Replies: 12
Views: 437

Re: Advice for opening an IRA - firms/allocation? Converting to a roth?

I have accounts at vanguard and Schwab, as far as customer service, website functionality and user friendly experience, Schwab is by far better. The customer service at Schwab is much different than what you’ll get at vanguard as well. Full disclosure, my vanguard account is small so when I call I’m...
by RTF
Sun Jun 07, 2020 8:02 am
Forum: Personal Investments
Topic: All in S&P 500 & Ride the tide
Replies: 52
Views: 7450

Re: All in S&P 500 & Ride the tide

I also really like this portfolio. What bond fund are people using that actively use this?
by RTF
Fri Jun 05, 2020 8:22 pm
Forum: Personal Finance (Not Investing)
Topic: Seller breach of contract on home. I need advice.
Replies: 64
Views: 6888

Re: Seller breach of contract on home. I need advise.

I have to admit I’m surprised with how little it appears a contract is worth as written and signed (at least from the responses on this board). To me it seems pretty cut and dry, the seller signed he would do grounding upstairs, he didn’t, now he’s willing to break a contract to relist. To me it ju...
by RTF
Fri May 29, 2020 7:30 am
Forum: Personal Investments
Topic: Buying Voo - Robinhood or Vanguard?
Replies: 41
Views: 2480

Re: Buying Voo - Robinhood or Vanguard?

Would someone mind explaining how people are getting hurt by the bid/ask spreads on these ETFs? ETFs like VOO, VTI, SPY are trading so frequently that I’ve never seen this to be an issue, especially using limit orders. What can happen is the NAV settle at a higher price than it could be have been bo...
by RTF
Tue May 19, 2020 11:14 am
Forum: Personal Investments
Topic: Best place to hold 100k emergency fund?
Replies: 25
Views: 2718

Re: Best place to hold 100k emergency fund?

I have about the same amount in a CIT money market account right now making %1.39. When I opened it I was getting about %1.7 which at the time was pretty good. In the future I will probably do what was suggested above. Move the $ to my vanguard brokerage and keep 6mth of living expenses in the MM an...
by RTF
Sat Apr 25, 2020 2:59 pm
Forum: Personal Investments
Topic: Preparing for the storm ahead.
Replies: 59
Views: 6739

Re: Preparing for the storm ahead.

Airline Pilot. Unfortunately, my education and skill set really isn’t transferable. Also, the job market is about to be flooded with thousands of other pilots in my situation. We have definitely cut back on our lifestyle, and I hope to have seven or eight months of an emergency fund by this I don’t...
by RTF
Sat Apr 25, 2020 2:02 pm
Forum: Personal Investments
Topic: Preparing for the storm ahead.
Replies: 59
Views: 6739

Re: Preparing for the storm ahead.

It's not clear why you don't have more assets at your age and income. Did you recently join the upper class? Are you house poor? You don't need to tell me why, but I think this is something you should understand for your own benefit. My salary has more than doubled over the last couple of years. Th...
by RTF
Thu Apr 23, 2020 9:32 am
Forum: Personal Investments
Topic: How are the "100% Stocks" people doing?
Replies: 139
Views: 13313

Re: How are the "100% Stocks" people doing?

Kind of along the same lines of this topic, but how many people actually go into retirement following WB’s plan of 90/10 AA? This something I’ve been pondering about lately. My wife will thankfully have a Pension along with the TSP when we enter retirement, if we had a large enough EF, I think I’d b...
by RTF
Wed Apr 22, 2020 8:49 am
Forum: Personal Investments
Topic: query on 401k to Roth 401k conversion
Replies: 9
Views: 466

Re: query on 401k to Roth 401k conversion

I’ve got a question about 401k plans that have both a Roth option and a Pre tax option. If at the end of a career you have significant savings in both options, can you choose to just roll over the Roth monies only into your personal Roth IRA, leaving the traditional monies in the 401k plan? Im think...
by RTF
Tue Apr 21, 2020 6:32 pm
Forum: Personal Investments
Topic: Best S&P 500 ETF IVV vs VOO
Replies: 20
Views: 1962

Re: Best S&P 500 ETF IVV vs VOO

What are everyone’s thoughts on owning both vti and voo together 50/50?
by RTF
Sun Apr 19, 2020 2:00 pm
Forum: Personal Investments
Topic: Is this a reason to switch brokerages?
Replies: 12
Views: 613

Re: Is this a reason to switch brokerages?

Thanks all, I'll keep looking into this more. I didn't think about fees but definitely something I need to research more. Considering how much everywhere has dropped most fee's and this being work sponsored, I just figured there wouldn't be. From the looks of it, I don't think ill be able to transfe...
by RTF
Sun Apr 19, 2020 1:30 pm
Forum: Personal Investments
Topic: Is this a reason to switch brokerages?
Replies: 12
Views: 613

Re: Is this a reason to switch brokerages?

Thanks for the replies so far. Essentially I'd be consolidating from 4 accounts to two. Right now I have the Empower 401k, Vanguard taxable/roth, CIT money market, and PNC banking. My plan would be for the 401k, Vanguard, and CIT money market to be moved to Charles Schwab just leaving me the PNC and...
by RTF
Sun Apr 19, 2020 11:45 am
Forum: Personal Investments
Topic: Is this a reason to switch brokerages?
Replies: 12
Views: 613

Is this a reason to switch brokerages?

Hello all, Just curious what the rest of you of you BHs would do in this situation. My workplace retirement is with Empower retirement, with very limited 401k options. We do however have access to a linked Charles Schwab brokerage account, where we can move the 401k funds to and have many more optio...
by RTF
Sat Apr 04, 2020 8:07 pm
Forum: Personal Investments
Topic: VFIAX vs VOO
Replies: 8
Views: 2875

Re: VFIAX vs VOO

I recently converted some VFIAX I had VOO at Vanguard, it’s a simple transaction and not a taxable event. I simply like to use ETFs in my taxable for none other than personal preference. I use only mutual/index funds in my Roth and 401k. I’m not sure where the push back for ETFs comes from here.