Search found 103 matches

by Zillions
Sat Oct 10, 2020 4:13 pm
Forum: Personal Investments
Topic: Best places to park around 25K?
Replies: 20
Views: 2475

Re: Best places to park around 25K?

BTW, what are treasuries yielding now? We have an 18 month time period before we need our "downpayment". Any suggestions for me? I did consider corporate bond funds (VWETX) but that may be a stupid move at this time? I'm in a brain fog and would appreciate any "conservative" alte...
by Zillions
Sat Oct 10, 2020 4:10 pm
Forum: Personal Investments
Topic: Best places to park around 25K?
Replies: 20
Views: 2475

Re: Best places to park around 25K?

I want to park 25K in a high yield savings account. This is part of our downpayment, earning 0.1% interest in a local credit union. What could I possibly get with a money market fund at TD Ameritrade or at Fidelity? Thanks Where’s the rest of your down payment? Btw “high yield savings accounts” don...
by Zillions
Sat Oct 10, 2020 4:09 pm
Forum: Personal Investments
Topic: Best places to park around 25K?
Replies: 20
Views: 2475

Re: Best places to park around 25K?

Best return these days are bank bonuses. Search doctorofcredit.com. You open a new account, keep the money there for a bit of time, get a few hundred bucks bonus. Agree as long as you’re willing to deal with some of the hassles. If you and your (?) spouse can scrounge up another $5000, you can open...
by Zillions
Fri Oct 09, 2020 9:50 pm
Forum: Personal Investments
Topic: Should We Ever Save for Children's College?
Replies: 467
Views: 30201

Re: Should We Ever Save for Children's College?

Yes, IF the parent can afford it, not jeopardize their own retirement doing so, AND wants to help their adult offspring. I want my daughter to be able to graduate debt free. Student loans suck, plus debt of any kind - even for an education - is an open invitation to Murphy to move into a spare bedro...
by Zillions
Fri Oct 09, 2020 8:22 pm
Forum: Personal Investments
Topic: Best places to park around 25K?
Replies: 20
Views: 2475

Best places to park around 25K?

I want to park 25K in a high yield savings account. This is part of our downpayment, earning 0.1% interest in a local credit union. What could I possibly get with a money market fund at TD Ameritrade or at Fidelity?

Thanks
by Zillions
Fri Aug 07, 2020 3:29 am
Forum: Personal Investments
Topic: Are we going to be able to make it? (Networth question)
Replies: 18
Views: 3262

Are we going to be able to make it? (Networth question)

Our ages: late 40s. Still renting Years to retirement: 20 Two kids, a high schooler and a 11 yr old with intellectual disability and autism (will likely need life long care). Investments: 600K Emergency fund: 6 months College savings for high schooler: 100K Down payment fund (WIP so far): 40K to dat...
by Zillions
Tue Jul 21, 2020 11:11 pm
Forum: Personal Investments
Topic: EDV vs VIPSX vs VGLT vs BLV
Replies: 4
Views: 416

EDV vs VIPSX vs VGLT vs BLV

I am trying to understand these bonds. I was looking through their holdings on Morningstar and found that they are named the same but with different percentages. VGLT holds "United States Treasury Bonds with x%" where x varies. Does x stand for interest percentage? BLV holds "United S...
by Zillions
Thu Jul 16, 2020 11:24 pm
Forum: Personal Investments
Topic: My Father in Law gave me $1000 to buy stock/securities
Replies: 20
Views: 2388

Re: My Father in Law gave me $1000 to buy stock/securities

theBigWalkowski wrote: Thu Jul 16, 2020 1:17 pm I am seasoned and just doing a spot.
What is "doing a spot" mean? And if you're seasoned, then why ask?
by Zillions
Thu Jul 16, 2020 11:01 pm
Forum: Personal Investments
Topic: What % ROI per year to assume?
Replies: 7
Views: 728

Re: What % ROI per year to assume?

It depends greatly on what asset class you're investing in. The 'rule of 72' is a neat mathematical trick, but it's not really that useful, especially if you're adding to the balance. You need to use a time value of money calculator to do the computation. We're invested in the 3-fund portfolio - VT...
by Zillions
Thu Jul 16, 2020 10:51 pm
Forum: Personal Investments
Topic: What % ROI per year to assume?
Replies: 7
Views: 728

What % ROI per year to assume?

What is a very conservative ROI to assume when determining how many years it would take for money to double (using Rule of 72)? Are there other ways to predict potential retirement pot? We're both late 40s, with about 600K invested in the 3-fund portfolio, across 401K and Roth IRAs, in addition to m...
by Zillions
Mon Jul 13, 2020 1:20 am
Forum: Personal Investments
Topic: The bond fund for my 3-fund portfolio
Replies: 6
Views: 821

Re: The bond fund for my 3-fund portfolio

You'll probably be fine with a mix of VBLAX and VBILX for the bond portion of your portfolio. Figure out what duration ratio you prefer and adjust accordingly. If it was me I would add some VIPSX into the mix for inflation protection but opinions on TIPS here on Bogleheads seems very mixed lately. ...
by Zillions
Mon Jul 13, 2020 1:17 am
Forum: Personal Investments
Topic: The bond fund for my 3-fund portfolio
Replies: 6
Views: 821

Re: The bond fund for my 3-fund portfolio

You'll probably be fine with a mix of VBLAX and VBILX for the bond portion of your portfolio. Figure out what duration ratio you prefer and adjust accordingly. If it was me I would add some VIPSX into the mix for inflation protection but opinions on TIPS here on Bogleheads seems very mixed lately. ...
by Zillions
Mon Jul 13, 2020 12:40 am
Forum: Personal Investments
Topic: The bond fund for my 3-fund portfolio
Replies: 6
Views: 821

The bond fund for my 3-fund portfolio

Due disclaimer: I do not understand bond funds and "somewhat" get bonds. That worries me quite a bit, because I also believe that one should not invest in anything that one does not understand. Hence this thread. Between our old 401Ks and my husband's current 401K, we have the following op...
by Zillions
Thu Jul 09, 2020 7:26 pm
Forum: Personal Investments
Topic: Perspective on Mortgage Forbearance
Replies: 36
Views: 1791

Re: Perspective on Mortgage Forbearance

Wondering what others are doing regarding this. Household has been affected by Covid. Considering forbearance to bulk up buffer, would likely invest in something very conservative. Wondering what others are doing and also wondering what downsides might exist that I'm not thinking of. Would choose t...
by Zillions
Thu Jul 09, 2020 5:35 pm
Forum: Personal Investments
Topic: vviax
Replies: 6
Views: 610

Re: vviax

ripete wrote: Thu Jul 09, 2020 5:24 pm Any thoughts out there on VVIAX?
buy?
sell?
hold?
Had a finger in that pie (and VWELX) before we jumped in favour of VTSAX!
by Zillions
Thu Jul 09, 2020 5:33 pm
Forum: Personal Investments
Topic: VSS Dividends
Replies: 23
Views: 1858

Re: VSS Dividends

Is it legally required for ETFs and MFs to pay dividends quarterly? Can a fund decide not to pay dividends for any reason whatsoever (regardless of whether the companies the fund holds paid dividends or not)? It is legally required that funds pay out all income by 12/31. So once a year is sufficien...
by Zillions
Thu Jul 09, 2020 5:27 pm
Forum: Personal Finance (Not Investing)
Topic: Share your budget
Replies: 152
Views: 10202

Re: Share your budget

Inspired by the super popular "Share your net worth progression" thread https://www.bogleheads.org/forum/viewtopic.php?f=2&t=139157 , here is a another topic I am curious about - annual budget. I think I am spending too much. So curious to compare. Thanks Household situation - double ...
by Zillions
Thu Jul 09, 2020 5:11 pm
Forum: Personal Investments
Topic: VSS Dividends
Replies: 23
Views: 1858

Re: VSS Dividends

Is it legally required for ETFs and MFs to pay dividends quarterly? Can a fund decide not to pay dividends for any reason whatsoever (regardless of whether the companies the fund holds paid dividends or not)? It is legally required that funds pay out all income by 12/31. So once a year is sufficien...
by Zillions
Thu Jul 09, 2020 2:09 pm
Forum: Personal Investments
Topic: Help Needed on Understanding Negative Tips Yield
Replies: 12
Views: 791

Re: Help Needed on Understanding Negative Tips Yield

TIPS yields are quoted as yields above inflation. If a TIPS has a yield of -.206%, and the yield is the same next year but inflation is 2%, your return will be 1.794%. You are guaranteed to underperform inflation by .206%. TIPS are guaranteed to return at least their par value in nominal dollars at...
by Zillions
Thu Jul 09, 2020 12:58 pm
Forum: Personal Investments
Topic: Do you ever feel you've missed out due to the 3-fund portfolio?
Replies: 125
Views: 9941

Re: Do you ever feel you've missed out due to the 3-fund portfolio?

Hello Everyone, Does anyone worry about "missing out" because you are only invested in the 3-fund portfolio and hot tips abound? My brother made a killing in TSLA just today. Our portfolio is going to be up as well, of course, but not likely to the extent that he (brother) is. I would nev...
by Zillions
Thu Jul 09, 2020 12:13 pm
Forum: Personal Investments
Topic: Do you ever feel you've missed out due to the 3-fund portfolio?
Replies: 125
Views: 9941

Re: Do you ever feel you've missed out due to the 3-fund portfolio?

Hello Everyone, Does anyone worry about "missing out" because you are only invested in the 3-fund portfolio and hot tips abound? My brother made a killing in TSLA just today. Our portfolio is going to be up as well, of course, but not likely to the extent that he (brother) is. I would nev...
by Zillions
Thu Jul 09, 2020 12:43 am
Forum: Personal Investments
Topic: VSS Dividends
Replies: 23
Views: 1858

Re: VSS Dividends

You know for a fact that all 3939 stocks in VSS, from all over the world, did not pay any dividends at all this quarter? Every other equity fund I hold paid dividends, albeit much less than last year. Just checking the holdings, of the ten largest holdings in VSS, you can see dividends were paid th...
by Zillions
Tue Jul 07, 2020 8:24 pm
Forum: Personal Investments
Topic: Do you ever feel you've missed out due to the 3-fund portfolio?
Replies: 125
Views: 9941

Re: Do you ever feel you've missed out due to the 3-fund portfolio?

My brother made a killing in TSLA just today. Our portfolio is going to be up as well, of course, but not likely to the extent that he (brother) is. I would never take that kind of risk but admittedly am a bit jealous that he made a small fortune today. So here's the thing. Did he sell TSLA today? ...
by Zillions
Tue Jul 07, 2020 7:28 pm
Forum: Personal Investments
Topic: VYM and getting killed [Vanguard High Dividend Yield ETF]
Replies: 31
Views: 2793

Re: VYM and getting killed [Vanguard High Dividend Yield ETF]

...Why do companies (not REITS but companies) pay dividends? Wouldn't it better for them to use that money to invest in R & D, infrastructure, marketing, pay off debt, or just bolster up cash reserves?... According to the dividend discount theory of stock value--which Jeremy Siegel, author of S...
by Zillions
Tue Jul 07, 2020 7:23 pm
Forum: Personal Investments
Topic: Do you ever feel you've missed out due to the 3-fund portfolio?
Replies: 125
Views: 9941

Re: Do you ever feel you've missed out due to the 3-fund portfolio?

Does anyone worry about "missing out" because you are only invested in the 3-fund portfolio and hot tips abound? My brother made a killing in TSLA just today. Our portfolio is going to be up as well, of course, but not likely to the extent that he (brother) is. I would never take that kin...
by Zillions
Tue Jul 07, 2020 7:15 pm
Forum: Personal Investments
Topic: VYM and getting killed [Vanguard High Dividend Yield ETF]
Replies: 31
Views: 2793

Re: VYM and getting killed [Vanguard High Dividend Yield ETF]

Why do companies (not REITS but companies) pay dividends? Wouldn't it better for them to use that money to invest in R & D, infrastructure, marketing, pay off debt, or just bolster up cash reserves? If nothing else, many Boglehead posts are proof that dividends appeal to many investors, and fra...
by Zillions
Tue Jul 07, 2020 7:08 pm
Forum: Personal Investments
Topic: VYM and getting killed [Vanguard High Dividend Yield ETF]
Replies: 31
Views: 2793

Re: VYM and getting killed [Vanguard High Dividend Yield ETF]

Why do companies (not REITS but companies) pay dividends? Wouldn't it better for them to use that money to invest in R & D, infrastructure, marketing, pay off debt, or just bolster up cash reserves? If nothing else, many Boglehead posts are proof that dividends appeal to many investors, and fra...
by Zillions
Tue Jul 07, 2020 5:40 pm
Forum: Personal Investments
Topic: VYM and getting killed [Vanguard High Dividend Yield ETF]
Replies: 31
Views: 2793

Re: VYM and getting killed [Vanguard High Dividend Yield ETF]

Why do companies (not REITS but companies) pay dividends? Wouldn't it better for them to use that money to invest in R & D, infrastructure, marketing, pay off debt, or just bolster up cash reserves?
by Zillions
Tue Jul 07, 2020 5:35 pm
Forum: Personal Investments
Topic: Do you ever feel you've missed out due to the 3-fund portfolio?
Replies: 125
Views: 9941

Re: Do you ever feel you've missed out due to the 3-fund portfolio?

I feel that way almost every day. Each day, I check the market and figure out which stock was the biggest gainer for that day. Then I wallow in regret that I had not put all my money in that stock. I toss and turn all night. I am an exhausted wreak. On the day that Telsa popped 13%. I did not get a...
by Zillions
Tue Jul 07, 2020 5:15 pm
Forum: Personal Investments
Topic: Do you ever feel you've missed out due to the 3-fund portfolio?
Replies: 125
Views: 9941

Re: Do you ever feel you've missed out due to the 3-fund portfolio?

Wow, what a wonderful analogy! May I steal it? "Ants do better than grasshoppers over the long haul - be an ant!" Please steal it, it would feel like a legacy. It is inspired by my younger brother's eulogy at my older brother's funeral (older brother drank about one glass of wine a week, ...
by Zillions
Tue Jul 07, 2020 5:03 pm
Forum: Personal Investments
Topic: Do you ever feel you've missed out due to the 3-fund portfolio?
Replies: 125
Views: 9941

Re: Do you ever feel you've missed out due to the 3-fund portfolio?

Hello Everyone, Does anyone worry about "missing out" because you are only invested in the 3-fund portfolio and hot tips abound? My brother made a killing in TSLA just today. Our portfolio is going to be up as well, of course, but not likely to the extent that he (brother) is. I would nev...
by Zillions
Tue Jul 07, 2020 4:45 pm
Forum: Personal Investments
Topic: Do you ever feel you've missed out due to the 3-fund portfolio?
Replies: 125
Views: 9941

Re: Do you ever feel you've missed out due to the 3-fund portfolio?

OP, have you considered if you would be having this regret had you invested a large amount in the stock (or any stock) and it tanked? If that happened, you would have wasted all that $$ that would have put your son in a better position. In the mean time, the $$ that went into the three-funder portf...
by Zillions
Tue Jul 07, 2020 4:42 pm
Forum: Personal Investments
Topic: Alternatives to Bond Index Funds
Replies: 16
Views: 1214

Re: Alternatives to Bond Index Funds

These are corporate bond funds, so riskier than Total Bond Market or Treasury index funds. Right now there really aren't a lot of good options. You can have safety or you can have yield, but not both. When you are comparing to "bond index funds" are you comparing to comparable corporate b...
by Zillions
Tue Jul 07, 2020 4:13 pm
Forum: Personal Investments
Topic: Do you ever feel you've missed out due to the 3-fund portfolio?
Replies: 125
Views: 9941

Re: Do you ever feel you've missed out due to the 3-fund portfolio?

Have a coworker whose AAPL stock is worth about half a million now and I’m extremely jealous :( And like you, I’m not proud of myself. I’ve been praying that I’ll be a person who “rejoices with those who rejoice and weeps with those who weep”. I have miles to go there! Jealousy is ugly, but I think...
by Zillions
Tue Jul 07, 2020 3:35 pm
Forum: Personal Investments
Topic: Alternatives to Bond Index Funds
Replies: 16
Views: 1214

Re: Alternatives to Bond Index Funds

These are corporate bond funds, so riskier than Total Bond Market or Treasury index funds. Right now there really aren't a lot of good options. You can have safety or you can have yield, but not both. When you are comparing to "bond index funds" are you comparing to comparable corporate b...
by Zillions
Tue Jul 07, 2020 3:33 pm
Forum: Personal Investments
Topic: Do you ever feel you've missed out due to the 3-fund portfolio?
Replies: 125
Views: 9941

Re: Do you ever feel you've missed out due to the 3-fund portfolio?

My brother is a gambler. He claims he made $54000 today just on TSLA and I have no reason to doubt him. I should be happy for him but ugh! envy! although our mileage varies. I DO like the predictability the 3-fund portfolio has brought to our lives, although I am having a really hard time understan...
by Zillions
Tue Jul 07, 2020 3:29 pm
Forum: Personal Investments
Topic: Alternatives to Bond Index Funds
Replies: 16
Views: 1214

Re: Alternatives to Bond Index Funds

These are corporate bond funds, so riskier than Total Bond Market or Treasury index funds. Right now there really aren't a lot of good options. You can have safety or you can have yield, but not both. When you are comparing to "bond index funds" are you comparing to comparable corporate b...
by Zillions
Tue Jul 07, 2020 2:26 pm
Forum: Personal Investments
Topic: Do you ever feel you've missed out due to the 3-fund portfolio?
Replies: 125
Views: 9941

Re: Do you ever feel you've missed out due to the 3-fund portfolio?

If you look at the financials for Tesla it doesn't look like a good investment. Negative ROIC, negative Profit Margin, and a P/E of almost 400. This is exactly why I am / was nervous. The company's financials don't look good. The counter was "it's a growth company & Graham would never have...
by Zillions
Mon Jul 06, 2020 10:22 pm
Forum: Personal Investments
Topic: Do you ever feel you've missed out due to the 3-fund portfolio?
Replies: 125
Views: 9941

Re: Do you ever feel you've missed out due to the 3-fund portfolio?

Hello Everyone, Does anyone worry about "missing out" because you are only invested in the 3-fund portfolio and hot tips abound? My brother made a killing in TSLA just today. Our portfolio is going to be up as well, of course, but not likely to the extent that he (brother) is. I would nev...
by Zillions
Mon Jul 06, 2020 9:52 pm
Forum: Personal Investments
Topic: Do you ever feel you've missed out due to the 3-fund portfolio?
Replies: 125
Views: 9941

Re: Do you ever feel you've missed out due to the 3-fund portfolio?

If my math is correct that means your brother has roughly $545,000 invested in Tesla stock. Unless he is an options guy. Not sure, but he is straight with me. If he says he made 54K, yes, he made 54K. He's a physician (married to another physician) and has deep pockets so it is entirely possible th...
by Zillions
Mon Jul 06, 2020 8:53 pm
Forum: Personal Investments
Topic: Do you ever feel you've missed out due to the 3-fund portfolio?
Replies: 125
Views: 9941

Re: Do you ever feel you've missed out due to the 3-fund portfolio?

I had not looked at TSLA for a while. My late husband generally stuck to passive index investing but he made a special exception for TSLA and bought a significant chunk at $38 in early 2013. He found it fascinating and exciting to watch it go up in the next few months and even bought some options i...
by Zillions
Mon Jul 06, 2020 8:48 pm
Forum: Personal Investments
Topic: Do you ever feel you've missed out due to the 3-fund portfolio?
Replies: 125
Views: 9941

Re: Do you ever feel you've missed out due to the 3-fund portfolio?

My brother is a gambler. He claims he made $54000 today just on TSLA and I have no reason to doubt him. I should be happy for him but ugh! envy! although our mileage varies. I DO like the predictability the 3-fund portfolio has brought to our lives, although I am having a really hard time understan...
by Zillions
Mon Jul 06, 2020 8:43 pm
Forum: Personal Investments
Topic: Do you ever feel you've missed out due to the 3-fund portfolio?
Replies: 125
Views: 9941

Re: Do you ever feel you've missed out due to the 3-fund portfolio?

My brother is a gambler. He claims he made $54000 today just on TSLA and I have no reason to doubt him. I should be happy for him but ugh! envy! although our mileage varies. I DO like the predictability the 3-fund portfolio has brought to our lives, although I am having a really hard time understan...
by Zillions
Mon Jul 06, 2020 8:40 pm
Forum: Personal Investments
Topic: Do you ever feel you've missed out due to the 3-fund portfolio?
Replies: 125
Views: 9941

Re: Do you ever feel you've missed out due to the 3-fund portfolio?

My brother is a gambler. He claims he made $54000 today just on TSLA and I have no reason to doubt him. I should be happy for him but ugh! envy! although our mileage varies. I DO like the predictability the 3-fund portfolio has brought to our lives, although I am having a really hard time understan...
by Zillions
Mon Jul 06, 2020 8:33 pm
Forum: Personal Investments
Topic: Do you ever feel you've missed out due to the 3-fund portfolio?
Replies: 125
Views: 9941

Re: Do you ever feel you've missed out due to the 3-fund portfolio?

My brother is a gambler. He claims he made $54000 today just on TSLA and I have no reason to doubt him. I should be happy for him but ugh! envy! although our mileage varies. I DO like the predictability the 3-fund portfolio has brought to our lives, although I am having a really hard time understand...
by Zillions
Mon Jul 06, 2020 7:57 pm
Forum: Personal Investments
Topic: Do you ever feel you've missed out due to the 3-fund portfolio?
Replies: 125
Views: 9941

Do you ever feel you've missed out due to the 3-fund portfolio?

Hello Everyone, Does anyone worry about "missing out" because you are only invested in the 3-fund portfolio and hot tips abound? My brother made a killing in TSLA just today. Our portfolio is going to be up as well, of course, but not likely to the extent that he (brother) is. I would neve...
by Zillions
Mon Jul 06, 2020 7:47 pm
Forum: Personal Investments
Topic: Do any Bogleheads use Vanguard International Growth
Replies: 5
Views: 912

Re: Do any Bogleheads use Vanguard International Growth

the fund manager's "philosophy?" Vanguard says, "The fund’s multimanager structure—two advisors managing independent subportfolios—increases diversification." So there is no single management philosophy. It seems very aggressively growth oriented though, rather than cost / price...
by Zillions
Mon Jul 06, 2020 7:36 pm
Forum: Personal Investments
Topic: 401 K rollover from Fidelity to Vanguard or Schwab? Looking for advice!
Replies: 19
Views: 1095

Re: 401 K rollover from Fidelity to Vanguard or Schwab? Looking for advice!

We rolled over an old 401K (comprising both pre-tax and after-tax $$) at Fidelity to a Roth & Traditional IRA also at FIdelity in May, 2019. No paper check involved, Fidelity handled it all "in-house" but we did have to go online and open the two IRAs ourselves (Fidelity would not do t...
by Zillions
Mon Jul 06, 2020 3:47 pm
Forum: Personal Investments
Topic: Good treasury bond fund at Fidelity?
Replies: 16
Views: 1191

Re: Good treasury bond fund at Fidelity?

We just got VGLT & VGSH, because we don't have any Mutual Fund option in his ROTH 401K.