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drumboy256

Just as aside, I'm placing one of my tIRA rollovers into a 80/20 split of NTSX and VT of which based on most of the back tests, they do pretty well which yes, I know--- historical results don't mean future gains. The main reason for doing this is having leveraged treasuries that I believe will be a ...

drumboy256

Fidelity UTMA accounts with VT.

Easy peazy.

drumboy256

Haven't done a metric ton of research, I can safely say skip GBTC and buy Bitcoin directly. Fidelity will NOT honor the paper that you owe that is the Bitcoin in holding that Greyscale buys. So think of basically getting an IOU for something that you can never redeem. The ONLY thing that will save ...

drumboy256

Good on you OP. Interesting study and look forward to seeing the results!

drumboy256

Haven't done a metric ton of research, I can safely say skip GBTC and buy Bitcoin directly. Fidelity will NOT honor the paper that you owe that is the Bitcoin in holding that Greyscale buys. So think of basically getting an IOU for something that you can never redeem. The ONLY thing that will save C...

drumboy256

Appreciate the replies. I may be wrong, but I view my HSA differently than the rest of my portfolio. I think there is an above average chance I deplete my HSA by the time I hit 65. I don't think I will be working till 65 and if the balance does rise over the next couple of years, I expect it to dro...

drumboy256

My HSA is 100% NTSX. Read up on it, great fund for it’s purpose.

drumboy256

Welcome! Follow what others have said about reading up on risk and your asset allocation (AA) for your age. For me personally, I’m riding 60 US / 36 Intl. / 4 Bonds. For reference, my bond allocation is simply from my works fund I have no control over. I also won’t start buying bonds until I reach 5...

drumboy256

My biggest mistake was not putting money in during the coronacrash last year. Won't be making that mistake again.

drumboy256

This is likely a very dumb question, but I am sure I am not the only wondering so I will ask it for everyone's benefit. I want to do an 80/20 asset allocation to mirror the Three Fund Portfolio (but only two of the funds due to only being 26 with a high risk tolerance and opting to forgo bonds at t...

drumboy256

I may be young and stupid (turning 40 this year) but why would you go from a super tilted US based growth fund to a even MORE concentrated international holding? Regardless if the USD implodes (spoiler alert, it won't) you're moving from 520 holdings down to 165 with the new fund which I'm assuming...

drumboy256

I may be young and stupid (turning 40 this year) but why would you go from a super tilted US based growth fund to a even MORE concentrated international holding? Regardless if the USD implodes (spoiler alert, it won't) you're moving from 520 holdings down to 165 with the new fund which I'm assuming...

drumboy256

I may be young and stupid (turning 40 this year) but why would you go from a super tilted US based growth fund to a even MORE concentrated international holding? Regardless if the USD implodes (spoiler alert, it won't) you're moving from 520 holdings down to 165 with the new fund which I'm assuming ...

drumboy256

My 401(k) plan is with Fidelity. I made pre-tax and post-tax contributions to it. Recently, I transferred $X (pre-tax) and $Y (post-tax) money from 401(k) to BrokerageLink. $X+$Y is sitting in the Fidelity Cash Reserve. When placing an order in BrokerageLink, how do I tell Fidelitythat I want to pu...

drumboy256

Always sell.

drumboy256

obafgkm wrote: ↑Tue Jan 05, 2021 11:08 am Original Poster (OP):

Please read this story about what happens when somebody try to do what you propose:

John Jones's Dollar

All I can say is holy [Expletive deleted -- moderator oldcomputerguy..... what a mind trip. Thank you for posting that!

drumboy256

We have around $2-$5k in a taxable for vacations, large life purchases and anything else “need” associated. The trick is to always wait for a year to pull the money out for long term capital gains.

For reference, either lump sum or DCA into is fine, all preference.

drumboy256

Bitcoin at this point since that wasn’t the smartest move.

drumboy256

Gemini is the only place you should be buying Bitcoin. All other facilities are absolute trash.

drumboy256

Lol, I mean, of all companies to be worried about.

drumboy256

I am allocating 15% of my international index directly to Bitcoin as it is going nowhere but up. It works as a store of value, payment method, hedge against global financial institutions and is The Godfather of crypto. Why people don’t get it... I mean, maybe they don’t get how to use an iPhone. 🤷‍♂️

drumboy256

Edited to add: The other alternatives are Rewards Checking Accounts. That requires making a certain number of debit transactions per month. One such account I am very happy to recommend is Lake Michigan Credit Union, and their Max-Rewards checking account. You need to have at least $50 direct depos...

drumboy256

I use a target retirement fund for my work 401k accounts and I have my IRA and Wife’s IRA set against VTI, VXUS and BND and our Roth’s set for FZROX + FZILX. The only thing I plan to change in the near term is allocation of 10% of my Intl. fund dedicated to Bitcoin. For the record, Bitcoin to me is ...

drumboy256

Sounds to me like you don’t know how to handle money still. I would start there and then come back after some reflection and an understanding of what your risk tolerance is and retirement horizon is.

drumboy256

Admiral wrote: ↑Mon Dec 07, 2020 7:52 am
drumboy256 wrote: ↑Sun Dec 06, 2020 11:38 pm Since June since I’ve started tracking stuff (thanks to you fine people...)

I’m up 82%.... pretty awe struck.
How are you up 82%? Options?

Nope,

Tesla and Palantir. My only two non-Bogelhead investments.

drumboy256

Since June since I’ve started tracking stuff (thanks to you fine people...)

I’m up 82%.... pretty awe struck.

drumboy256

Counter point... I was managing all of my 3 fund portfolio of which I looked at the Fidelity comparable target fund and it literally was one basis point higher on the ER. So instead of paying $11 bucks per year now I’m paying $12 for Fidelity automagically rebalance for me. Either way, I still sprea...

drumboy256

What percentage of the Vanguard International Stock Index Fund in the equity portion of one’s portfolio is best? I’m comfortable with 10%, but I noticed Vanguard and Taylor Larimore recommends 20%. Clea I have about 22% moving towards 30%. My AA is 58 USTM / 22 INTLTM / 20 Bonds. As for why, well, ...

drumboy256

Personally, your low on your international and should up it to at least 20% (imo).

Bond wise, I run 20/80 of the following:
FXNAX - Total Bond
FUAMX - 7yr Treasuries

Anything more than two bond's for chasing gains of returns isn't really worth it. Good luck!

drumboy256

39. Realized after I did more reading that 100% equities is a fools errand (imo) because you're risking more than you're gaining. I think the other thing that a lot of people (including myself) didn't realize up until recently--- So you're in Bonds--- now what? The "right" kind of bonds is...

drumboy256

The primary question is "do you want bonds in your Roth IRA?" A Target fund steadily increases bonds. Placement might dictate that your Roth (Roths) have all stock index funds. Last to be used, no RMD, tax free growth. Our Roth accounts are 100% VTSAX. Set it and forget it. Bond are in 40...

drumboy256

On my slow journey of trying to become a passive investor, I've now moved from 10-20% of international to now just having 5-10% of international exposure. Why? The reality is the world runs from the capitalistic front--- which right now is the US. Will that change? Perhaps, but honestly, my only rea...

drumboy256

So maybe I'm a bit of maverick on this--- but this is what I do for vacations. Every quarter, I take $500 from our emergency fund to "invest" for vacations and/or large life purchases. The rule of thumb is that you do not take out that $500 dollars until day 366 to get long term capital ga...

drumboy256

To your question, I am currently using VTI across my tax advantaged accounts (personal and wifes) and for our joint we're using ITOT for funding future purchases as well as TLH opportunities if need be. Good luck!

drumboy256

3 Fund types spread across multiple account types. Personally I find the 3 fund model freeing. I have total index, international and bonds with the split being 80/10/10 right now. Love it.

drumboy256

I'm a long time member here but I set it and forget it. have most of my retirement and investments in the 3 fund portfolio at Vanguard auto-re balancing annually. I haven't really kept up on the ZERO fund introduction. I am opening an HSA at Fidelity to transfer a current HSA and am also getting re...

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Re: What to pair with NTSX?

Re: Low Minimum Investment Account For Young Kids

Re: Bitcoin ETF (GBTC): Is 17% premium irrelevant?

Re: Tracking my ARK / Bitcoin - non-Boglehead portfolio

Re: Bitcoin ETF (GBTC): Is 17% premium irrelevant?

Re: Fidelity HSA - Which fund to invest in?

Re: Fidelity HSA - Which fund to invest in?

Re: "Inappropriate level of risk"

Re: Grantham piece on market bubble

Re: Asset Allocation - Overall or by Account?

Re: Questions on switching to international to hedge against US dollar collapse?

Re: Questions on switching to international to hedge against US dollar collapse?

Re: Questions on switching to international to hedge against US dollar collapse?

Re: Fidelity BrokerageLink (pre-tax / post-tax)

Re: Should I sell my RSUs?

Re: Can I create generational wealth?

Re: Short Term Taxable Account Emergency Fund for post 6 Month expenses

Re: How to invest $200k (from 2.25% cash out refinancing)?

Re: places and ways to invest in crypto

Re: Crypto stocks in VTSAX?

Re: Bitcoin @ 23K, why am I anti-Bitcoin?

Re: Three fund portfolio ... are there bond "alternatives"?

Re: How many people here literally use the three-fund portfolio?

Re: Financial planner vs Own

Re: How much you lost/gain since Feb 20,2020 ?

Re: How much you lost/gain since Feb 20,2020 ?

Re: Managing my own 401k instead of target date fund?

Re: Percentage of the vanguard int. stock Index

Re: Help deciding between bond funds in 401k

Re: At what age did you start moving into bonds?

Re: New Member here quick question

Re: All in on VTSAX

Re: Saving money for a yearly vacations

Re: ITOT vs VTI vs FSKAX vs FZROX vs VTSAX for a Fidelity Brokerage

Re: Does every one here only have 3 funds in their portfolios?

Re: FZROX or FSKAX in 401 rollover to Fidelity