Search found 13 matches

by soccerbogle
Mon Oct 05, 2020 10:44 pm
Forum: Personal Finance (Not Investing)
Topic: If you have a pension, how do you view it?
Replies: 203
Views: 14394

Re: If you have a pension, how do you view it?

I use my pension to calculate how much I need from other investments to retire, using various amounts of annual spending (I am mid 30s, so am using salary minus retirement savings as a potential target to have available in retirement each year). It also, along with social security (maybe, lol) provi...
by soccerbogle
Sat Oct 03, 2020 12:34 am
Forum: Personal Finance (Not Investing)
Topic: Refinance Mega Thread
Replies: 8042
Views: 560956

Re: Refinance Mega Thread

I was locked in with interactive mortgage but I got a call from loan depot and I told them about my 2.375% rate at interactive they said they could probably do 2.25%. No cost loan. it took a full application and a 1 hour of waiting but they did confirm that I would get no cost 30 year fixed refi at...
by soccerbogle
Tue Sep 29, 2020 9:22 pm
Forum: Investing - Theory, News & General
Topic: What fund(s) are in your taxable account?
Replies: 138
Views: 9943

Re: What fund(s) are in your taxable account?

VTSAX - total US market
VWIUX - intermediate term tax exempt bonds (some of my emergency fund)
by soccerbogle
Tue Sep 29, 2020 12:48 pm
Forum: Investing - Theory, News & General
Topic: Jack Bogle - Two Fund Portfolio
Replies: 1243
Views: 133940

Re: Jack Bogle - Two Fund Portfolio

I do not literally own only two funds, as my employer retirement account is not at Vanguard. But, I do own only US stocks and US bonds, so essentially, I am in the 2 fund portfolio. The inherent international exposure from the US total market is sufficient for me. I am still a newer boglehead and ha...
by soccerbogle
Sun Sep 27, 2020 12:02 am
Forum: Personal Investments
Topic: Need help with my investment plan after reading Larry Swedroe
Replies: 49
Views: 3690

Re: Need help with my investment plan after reading Larry Swedroe

I would recommend you see if you can refinance your mortgage at a lower rate. Rates are very low right now. Seems if you have decent credit you should be able to get down near 3%, if not lower.
by soccerbogle
Fri Sep 25, 2020 9:57 pm
Forum: Personal Finance (Not Investing)
Topic: Refinance Mega Thread
Replies: 8042
Views: 560956

Re: Refinance Mega Thread

Loan Depot said they could not give me a better deal for no cost than my current (recently refinanced though AIMLoan) 20 years 2.875 So I will probably just hang out here unless people start regularly getting no costs around 2.25/2.375 or I want to make the leap to a 15 year. I could afford a 15 yea...
by soccerbogle
Fri Sep 25, 2020 1:31 pm
Forum: Personal Investments
Topic: Buckets in Retirement
Replies: 97
Views: 7779

Re: Buckets in Retirement

I will use buckets to determine my starting asset allocation. Start with [example #s] 2x expenses in cash and 8x expenses in bonds = 10x expenses in FI. Then if the rest of my money is another 10x, I am at 50/50. Then I take out money as per the asset allocation. So if stocks are up, I take from sto...
by soccerbogle
Wed Sep 23, 2020 9:59 am
Forum: Personal Finance (Not Investing)
Topic: Personal Finance App (if you start fresh)?
Replies: 32
Views: 1540

Re: Personal Finance App (if you start fresh)?

OP, None. Do "Pay Yourself First" and contribute to the Trad 401K and Roth IRA up to the amount that you are willing to save. Then, spend the rest. No budgeting is needed. You just need to look at your credit card charges and bank statement and add up the expenses. KlangFool This is what ...
by soccerbogle
Wed Sep 23, 2020 12:50 am
Forum: Personal Investments
Topic: Is intermediate treasuries good as fixed income in retirement ?
Replies: 35
Views: 2926

Re: Is intermediate treasuries good as fixed income in retirement ?

Is intermediate treasuries good as fixed income in retirement ? Planning to have 2 to 3 years expenses in cash, Money Market and possibly CD ladder. Planning to keep the next 7 years say from year 3 to 10 expenses, in intermediate treasuries. Is this plan seems practical and optimal or other assets...
by soccerbogle
Mon Sep 14, 2020 11:29 am
Forum: Personal Investments
Topic: Age vs retirement year
Replies: 27
Views: 4729

Re: Age vs retirement year

I found it hard to randomly decide "what you are comfortable with" What worked for me was to put potential near-term expenses in bonds/cash. Near-term can be defined by you. My current plan as I approach retirement will define near-term as 8-10 years. So I will need 8-10 years of expenses ...
by soccerbogle
Sun Sep 13, 2020 9:04 pm
Forum: Investing - Theory, News & General
Topic: What is your age and asset allocation ?
Replies: 296
Views: 20606

Re: What is your age and asset allocation ?

Age: 34

Retirement: 100/0

Taxable: 40/60 (The 60 is in bonds / CD / checking account. Use it to hold money I could spent at any moment, e.g. emergency, home repair, new car, etc)

Overall: 65/35 (would be 75/25 if I bought a new car tomorrow)
by soccerbogle
Sat Sep 12, 2020 3:36 pm
Forum: Investing - Theory, News & General
Topic: Asset Allocation-What have you learned about yourself?
Replies: 51
Views: 3632

Re: Asset Allocation-What have you learned about yourself?

Have read a lot here over a couple years and over those years I have learned:

For me, the AA is the end result. I set my EF and short term requirements, and then everything else into stocks (so currently, my contributions all go into stocks). Whatever AA that ends up being, is fine.
by soccerbogle
Tue Sep 08, 2020 6:59 pm
Forum: Personal Finance (Not Investing)
Topic: Refinance Mega Thread
Replies: 8042
Views: 560956

Re: Refinance Mega Thread

Am finally joining the forum. Thanks to all the info that has been shared in this thread. A couple months ago I went from 23 years left on a 30 year / 3.5 to a 20 year, 2.875. Now am hunting other options. Loan Cabin is advertising 2.375 for 30 years (I would pay off in 20 still), so I submitted inf...