Search found 7 matches

by smoraffah
Wed Sep 09, 2020 2:42 pm
Forum: Personal Investments
Topic: Asset Allocation for Potential Real Estate Investment
Replies: 9
Views: 428

Re: Asset Allocation for Potential Real Estate Investment

Also, if you don’t know what your uncle is doing or how he’s planning to do it, you’re letting greed drive your investing decisions You should be talking to your uncle about commercial RE, and studying commercial RE all day, every day You’re definitely looking for trouble if you expect to be carrie...
by smoraffah
Wed Sep 09, 2020 12:46 pm
Forum: Personal Investments
Topic: Asset Allocation for Potential Real Estate Investment
Replies: 9
Views: 428

Re: Asset Allocation for Potential Real Estate Investment

flaccidsteele wrote: Wed Sep 09, 2020 12:36 pm Why don’t you ask your uncle?
His investments are real-estate heavy. He doesn’t invest in stocks.
by smoraffah
Wed Sep 09, 2020 12:45 pm
Forum: Personal Investments
Topic: Asset Allocation for Potential Real Estate Investment
Replies: 9
Views: 428

Re: Asset Allocation for Potential Real Estate Investment

There is a huge hole in this plan which is that your uncle refuses to give you specifics regarding what is needed to buy in to his investment. I don't think any more can be said without this getting resolved. You also don't say what other assets you have which might affect the outcome. For example,...
by smoraffah
Wed Sep 09, 2020 8:17 am
Forum: Personal Investments
Topic: Asset Allocation for Potential Real Estate Investment
Replies: 9
Views: 428

Asset Allocation for Potential Real Estate Investment

Hey everyone, I’m 30 years old, brand new to Bogleheads and, in general, investing. I’ve built a cash savings of $300,000. I’m in the current stage of trying to figure out what my asset allocation should be. I have an uncle who has built quite the nest egg with real estate. He told me 7 years ago to...
by smoraffah
Wed Sep 09, 2020 7:47 am
Forum: Personal Finance (Not Investing)
Topic: Emergency Fund Question
Replies: 11
Views: 969

Re: Emergency Fund Question

The reality is it doesn’t matter a lick. We’re talking about very small yields and small differences among the options. I would load up I bonds and leave the rest in savings. You can also get some pretty good bonuses with that amount if you want to move it around. I’m probably overthinking a lot of...
by smoraffah
Wed Sep 09, 2020 7:42 am
Forum: Personal Finance (Not Investing)
Topic: Emergency Fund Question
Replies: 11
Views: 969

Re: Emergency Fund Question

Assuming having $100,000 in an emergency fund makes sense for you, I would either put it all in the Marcus online savings account or split between Marcus and a CD. Problem is finding a CD with a yield spread above the Marcus OLS account large enough to justify the CD lock up period may take some lo...
by smoraffah
Tue Sep 08, 2020 10:13 pm
Forum: Personal Finance (Not Investing)
Topic: Emergency Fund Question
Replies: 11
Views: 969

Emergency Fund Question

Hi everyone, Looking to establish an emergency fund of $100,000. $75,000 in cash (Marcus savings account, currently 0.80% APY. $25,000 in VFISX (Short Term Treasury Fund Investor Shares) 1) What are your thoughts on this ratio? 2) Do you think a percentage of the cash portion should be placed in a C...