Search found 3639 matches

by goingup
Fri Nov 08, 2019 10:55 am
Forum: Investing - Theory, News & General
Topic: How often should someone rebalance?
Replies: 43
Views: 3080

Re: How often should someone rebalance?

If I had rebalanced annually, regardless of the amount of imbalance, I would now have about 3% more. If I had checked annually, and rebalanced only if the imbalance was greater than 5% (i.e. stock less than 45% or greater than 55%), I would now have about 4.5% more. Try running it through Portfolio...
by goingup
Thu Nov 07, 2019 9:55 am
Forum: Personal Investments
Topic: How to track down a long lost 401k?
Replies: 8
Views: 810

Re: How to track down a long lost 401k?

The simplest explanation is the most likely. A check was cut for the low balance 401K and she cashed it. The distribution would be noted in her tax returns, no? Does she have her tax returns from that time?

You seem determined, but it sounds like you're wasting your time. :|
by goingup
Wed Nov 06, 2019 10:16 am
Forum: Personal Consumer Issues
Topic: For those who fly often
Replies: 14
Views: 3256

Re: For those who fly often

I bought the Original McKenzie Inflatable Lumbar Support pillow from Amazon. Quite helpful for very long flights when airline seats don't provide the right support. McKenzie was a renown PT from New Zealand and my PT suggested 2 of his books of exercises to strengthen back and neck. Made a big diffe...
by goingup
Wed Nov 06, 2019 9:55 am
Forum: Personal Investments
Topic: Will we be OK at 3% WR?
Replies: 284
Views: 18511

Re: Will we be OK at 3% WR?

We are 50/58 and both retired now (6 months ago). My rough principle is to stay around 4% with a 60/40 portfolio. I would find 2-3% less comfortable than we want to live.

I'm not fearful about 4%, but that just might be the bull market talking. :D
by goingup
Thu Oct 31, 2019 4:28 pm
Forum: Personal Investments
Topic: Target Date Fund (of funds) Question
Replies: 8
Views: 496

Re: Target Date Fund (of funds) Question

mary1492 wrote:
Thu Oct 31, 2019 4:22 pm
Now, let's suppose the ER on TF is stated as 0.35%.
That's the ER. You don't have to add together the underlying funds to figure the ER. The stated expense ratio is the ER for the fund.
by goingup
Tue Oct 29, 2019 3:29 pm
Forum: Personal Investments
Topic: Emergency fund part of Asset Allocation?
Replies: 20
Views: 1312

Re: Emergency fund part of Asset Allocation?

downrod wrote:
Tue Oct 29, 2019 12:44 pm
I have 2.5 yrs of expenses in cash and CDs now. This emergency fund represents approx 17% of my total portfolio.
That's a big emergency fund. :D
Once a portfolio gets big enough, and especially if you have a taxable account, I favor counting cash/CDs etc as part of the portfolio.
by goingup
Tue Oct 29, 2019 12:05 pm
Forum: Personal Investments
Topic: rebalancing annually with taxable account
Replies: 14
Views: 693

Re: rebalancing annually with taxable account

Consider just auto-reinvesting dividends. That way you stay invested and give that money a chance to compound/grow immediately. I always felt buying more shares immediately was the best move. I know many here suggest sending dividends to a sweep account for rebalancing. For me, that would not have ...
by goingup
Tue Oct 29, 2019 11:52 am
Forum: Personal Investments
Topic: rebalancing annually with taxable account
Replies: 14
Views: 693

Re: rebalancing annually with taxable account

Consider just auto-reinvesting dividends. That way you stay invested and give that money a chance to compound/grow immediately. I always felt buying more shares immediately was the best move. I know many here suggest sending dividends to a sweep account for rebalancing. For me, that would not have b...
by goingup
Mon Oct 28, 2019 6:12 pm
Forum: Personal Finance (Not Investing)
Topic: Hotel "incidentals" credit card precharge?
Replies: 24
Views: 1699

Re: Hotel "incidentals" credit card precharge?

It was an actual charge that appeared as "pending" on my account for several days until it disappeared. Just because it says "pending" does not make it an "actual charge". Holds show up on-line as Pending. That so many people are getting upset about holds showing up as pending charges just shows th...
by goingup
Mon Oct 28, 2019 12:36 pm
Forum: Personal Finance (Not Investing)
Topic: Hotel "incidentals" credit card precharge?
Replies: 24
Views: 1699

Re: Hotel "incidentals" credit card precharge?

Yes, I got a $100 charge for incidentals when checking into a Hampton Inn a couple months ago. It was an actual charge that appeared as "pending" on my account for several days until it disappeared. I figured it's a way for Hilton to float some money at my expense. Pretty annoying. They don't actua...
by goingup
Mon Oct 28, 2019 11:43 am
Forum: Personal Finance (Not Investing)
Topic: Hotel "incidentals" credit card precharge?
Replies: 24
Views: 1699

Re: Hotel "incidentals" credit card precharge?

Yes, I got a $100 charge for incidentals when checking into a Hampton Inn a couple months ago. It was an actual charge that appeared as "pending" on my account for several days until it disappeared. I figured it's a way for Hilton to float some money at my expense. Pretty annoying.
by goingup
Mon Oct 28, 2019 10:20 am
Forum: Personal Investments
Topic: Ways to avoid account transfer fees between brokerages?
Replies: 15
Views: 903

Re: Ways to avoid account transfer fees between brokerages?

I'd pay the closure fee and move on. I don't like loose ends and try to lead a tidy financial life. It's easier that way.
by goingup
Sun Oct 27, 2019 11:48 am
Forum: Personal Investments
Topic: I’m done with index funds
Replies: 201
Views: 20473

Re: I’m done with index funds

I think it's a good move for you.

While I think index funds are generally scalable, you do face more challenges than most of us. Congratulations. Allow this decision to simplify your life! :beer
by goingup
Sat Oct 26, 2019 4:09 pm
Forum: Investing - Theory, News & General
Topic: Inside Fisher Investments
Replies: 123
Views: 11630

Re: Inside Fisher Investments

The institutional divestitures are growing, apparently topping $3B already: https://www.bloomberg.com/news/articles/2019-10-25/texas-pension-pulls-350-million-from-fisher-in-growing-retreat Apparently, various other offensive communication content also has been identified: https://www.forbes.com/si...
by goingup
Fri Oct 25, 2019 12:47 pm
Forum: Personal Finance (Not Investing)
Topic: How often do you shop for better insurance rates? (auto, life, home)
Replies: 24
Views: 1654

Re: How often do you shop for better insurance rates? (auto, life, home)

Never. USAA for auto/home/term life for primary home. Farmers Insurance for rental and they brokered our umbrella. I operate under the belief that long term relationships are the best. If I shopped around I might be disabused of this notion. :oops:
by goingup
Fri Oct 25, 2019 9:30 am
Forum: Investing - Theory, News & General
Topic: "Bogleheads on Investing" podcast transcripts are becoming available
Replies: 9
Views: 993

Re: "Bogleheads on Investing" podcast transcripts are becoming available

This is great! I've listened to many of the podcasts and find myself wanting to revisit things Christina Benz and Alan Roth said, but haven't wanted to re-listen. Thanks! I look forward to reading these valuable interviews.
by goingup
Thu Oct 24, 2019 5:23 pm
Forum: Investing - Theory, News & General
Topic: Indexing beats Wellington and Wellesley right?
Replies: 135
Views: 26790

Re: Indexing beats Wellington and Wellesley right?

Wellington today is a bit less than 20% international (mostly Europe) so the S&P500 isn't quite the right benchmark for its performance. I don't know when they diversified past the US, but if it was more than a decade ago, its recent underperformance might be largely attributable to that. According...
by goingup
Thu Oct 24, 2019 8:43 am
Forum: Investing - Theory, News & General
Topic: Inside Fisher Investments
Replies: 123
Views: 11630

Re: Inside Fisher Investments

I'd be curious to hear from someone who was actually a Ken Fisher client. We see a lot of posts from refugees fleeing Ed Jones, Raymond James, Merrill Lynch, Wells Fargo advisors. I don't recall anyone posting about their Ken Fisher experience. Maybe his clients are so satisfied they don't leave or...
by goingup
Thu Oct 24, 2019 8:34 am
Forum: Personal Finance (Not Investing)
Topic: Not Reinvesting Dividends and Cap Gains
Replies: 7
Views: 875

Re: Not Reinvesting Dividends and Cap Gains

Greetings, I have learned so much from this forum; thank you all. I sometimes see the advice that in retirement one should stop reinvesting dividends and capital gains. Does this advice apply to taxable accounts only? And what is the rationale? What if you do not need the dividends and cap gains fo...
by goingup
Wed Oct 23, 2019 2:33 pm
Forum: Personal Finance (Not Investing)
Topic: BofA credit card compromised, but they won't say how
Replies: 15
Views: 1279

Re: BofA credit card compromised, but they won't say how

I think the CC company doesn't reveal the source because they want vendors to come forward with the issue right away without fear of backlash. For instance, if you knew the store, restaurant or gas station where the fraud happened, you might no longer feel comfortable shopping there. So we CC holder...
by goingup
Wed Oct 23, 2019 10:21 am
Forum: Personal Investments
Topic: When you state your asset allocation are you including everything or just invested assets?
Replies: 25
Views: 1466

Re: When you state your asset allocation are you including everything or just invested assets?

I include all investable assets. This includes all stocks, bonds, cash. (Not checking.) How else can you accurately evaluate your AA and portfolio returns?
by goingup
Wed Oct 23, 2019 10:05 am
Forum: Personal Investments
Topic: How do you get over an investing mistake?
Replies: 42
Views: 2047

Re: How do you get over an investing mistake?

The real mistake would be thinking your research and success is reliably repeatable. That's definitely my perspective, too. I certainly had my years of owning individual stocks. Never got very lucky and certainly got unlucky several times. Never liked having to decide to hold, buy or sell. Didn't e...
by goingup
Wed Oct 23, 2019 9:31 am
Forum: Investing - Theory, News & General
Topic: Inside Fisher Investments
Replies: 123
Views: 11630

Re: Inside Fisher Investments

I'd be curious to hear from someone who was actually a Ken Fisher client. We see a lot of posts from refugees fleeing Ed Jones, Raymond James, Merrill Lynch, Wells Fargo advisors. I don't recall anyone posting about their Ken Fisher experience. Maybe his clients are so satisfied they don't leave or ...
by goingup
Tue Oct 22, 2019 9:10 am
Forum: Personal Finance (Not Investing)
Topic: Vanguard checking -- Use it or lose it
Replies: 71
Views: 5403

Re: Vanguard checking -- Use it or lose it

It's unfortunate. I'm sure you're not the only one who got stung by this, even though there was some communication from Vanguard about it. Frankly if they had broadcast the change half as much as they bombard us with PAS advertisements, no one would have missed it! Some months ago they sent the noti...
by goingup
Tue Oct 22, 2019 9:02 am
Forum: Personal Investments
Topic: Assisting a new widow manage her retirement
Replies: 14
Views: 983

Re: Assisting a new widow manage her retirement

Sorry about your dad. I think TLH and foreign tax credits are relatively unimportant in your situation. I'd get the big things right before wading into the weeds. As suggested, you could put the whole tIRA into a balanced fund to simplify. Put the $500K in Vanguard Prime MM, and/or something like We...
by goingup
Mon Oct 21, 2019 12:32 pm
Forum: Personal Consumer Issues
Topic: Question about Verizon Travel Pass with Iphone 6s
Replies: 11
Views: 851

Re: Question about Verizon Travel Pass with Iphone 6s

Airplane mode when you don't want to activate it. When you are activated, each 24 hours it renews, you'll get a text message to let you know the new period has begun. My traveling companion had cellular data switched off but still got dinged one day for a $10 charge. After that she turned on the air...
by goingup
Mon Oct 21, 2019 12:16 pm
Forum: Personal Investments
Topic: Portfolio Review-Lazy Not for me
Replies: 28
Views: 1601

Re: Portfolio Review-Lazy Not for me

My thoughts are pick something you can stick with. :wink:
by goingup
Mon Oct 21, 2019 9:43 am
Forum: Personal Finance (Not Investing)
Topic: What percent of net worth should a persons house be?
Replies: 141
Views: 10304

Re: What percent of net worth should a persons house be?

As retirees, I suppose as we spend down our investable assets our home will become a bigger and bigger part of our net worth. This would be the natural progression of things. Right now our residence is about 20% of net worth.
by goingup
Thu Oct 17, 2019 12:10 pm
Forum: Personal Investments
Topic: Mutual Fund VBS -> Schwab
Replies: 11
Views: 631

Re: Mutual Fund VBS -> Schwab

You might read this thread about trying to sell SPEC ID mutual funds at Schwab. Apparently, you can't do it on line like you can with ETFs and stocks. viewtopic.php?t=270543&start=50
by goingup
Thu Oct 17, 2019 8:35 am
Forum: Personal Investments
Topic: 7-figure portfolio: 1-year review
Replies: 16
Views: 3525

Re: 7-figure portfolio: 1-year review

No specific comment on your portfolio. It's fine. However, the tough part now is to leave it alone. It's normal to want to "optimize" everything, especially when you've recently become a DIY'er. I found it was a better idea to "get right and sit tight". Rick Ferri has wise words about the evolution ...
by goingup
Wed Oct 16, 2019 4:11 pm
Forum: Personal Consumer Issues
Topic: Good camera system to watch the nanny
Replies: 70
Views: 4427

Re: Good camera system to watch the babysitter

What you propose is absolutely creepy. I suggest you disclose the cam to the babysitter and his/her parents if the babysitter is a minor. Seriously, is this the world we're living in now?
by goingup
Wed Oct 16, 2019 4:04 pm
Forum: Personal Consumer Issues
Topic: Book: "What Your Financial Advisor Isn't Telling You"
Replies: 8
Views: 1167

Re: Book: "What Your Financial Advisor Isn't Telling You"

Haven't read that book. Have you checked out the forum's recommended reading list?
https://www.bogleheads.org/RecommendedReading.php

And Taylor's Investment Gems also have highlights of many great books! https://www.bogleheads.org/wiki/Taylor_ ... tment_Gems
by goingup
Wed Oct 16, 2019 9:37 am
Forum: Investing - Theory, News & General
Topic: Edward Jones presentation at the senior center
Replies: 44
Views: 6540

Re: Edward Jones presentation at the senior center

Apart from the fees, I don't have a problem with Ed Jones. Some of the portfolios that EJ clients have posted here have been quite reasonable with American Funds being a usual component. I'd take Ed Jones over a Wells Fargo or Merrill Lynch advisor by far. As a DIY investor I have no interest in doi...
by goingup
Tue Oct 15, 2019 8:28 am
Forum: Personal Investments
Topic: going cash for 3 months 401(k)
Replies: 9
Views: 1650

Re: going cash for 3 months 401(k)

I wouldn't go to cash (sidelines). Stay invested. Sounds as though you've decided, which is fine. There probably isn't much harm in doing that and it's possible you may get lucky. It's a poor habit to develop though. You may find yourself unable to get back in. Paralysis is real risk. That is one re...
by goingup
Mon Oct 14, 2019 8:16 am
Forum: Personal Investments
Topic: Helping 23-year-old with first 401K: 2 questions
Replies: 17
Views: 1074

Re: Helping 23-year-old with first 401K: 2 questions

A 15% 401K contribution into SP500 fund or Target Fund would be a fine recommendation. Best feature of a 401K plan is that it's automatic payroll deductions. I'd guess it's a rare 23 year old who can actually fund a Roth yearly.

Keep it simple and automatic.
by goingup
Sun Oct 13, 2019 11:52 am
Forum: Investing - Theory, News & General
Topic: How often do you look at your IRA or 401K Balances
Replies: 71
Views: 5708

Re: How often do you look at your IRA or 401K Balances

The most important thing is to do what works for you. If you know that you get excited or upset when viewing your portfolio balance, then look rarely. Many experts advise to "not peek" which I interpret to mean don't look very often. Looking annually would be prudent. Some investing enthusiasts/hobb...
by goingup
Sun Oct 13, 2019 11:21 am
Forum: Personal Investments
Topic: Newly widowed MIL requests help w/ finances and annuities
Replies: 20
Views: 1662

Re: Newly widowed MIL requests help w/ finances and annuities

No big changes for awhile. I'd try to get my head around cash-flow. Before wading into annuity contracts ask for several months of bank statements and even last year's tax returns. The only immediate concern is making sure there's sufficient cash flow to pay her expenses. Good luck. She is lucky to ...
by goingup
Fri Oct 11, 2019 8:56 am
Forum: Personal Investments
Topic: What should Bond Percentage be as I age?
Replies: 11
Views: 1435

Re: What should Bond Percentage be as I age?

Keep your eye on the Target Fund composition that roughly matches your retirement date. Yours might be TR2050. Vanguard's 2050 fund looks like this: Vanguard Total Stock Market Index Fund Investor Shares 53.90% Vanguard Total International Stock Index Fund Investor Shares 35.60% Vanguard Total Bond ...
by goingup
Wed Oct 09, 2019 4:55 pm
Forum: Personal Investments
Topic: When is the best time to exchange a "not so good" fund in a 401K account?
Replies: 15
Views: 1006

Re: When is the best time to exchange a "not so good" fund in a 401K account?

sylph wrote:
Wed Oct 09, 2019 3:52 pm
Unfortunately, the bond funds offered comes with load of 4.5% and and internation fund offered has load of 5.75%!!.
Might doublecheck this. Most 401K plans have loads waived. It's rare we ever hear that loads are levied in a 401K plan.
by goingup
Wed Oct 09, 2019 4:49 pm
Forum: Investing - Theory, News & General
Topic: What does the portfolio one day movement tells you ?
Replies: 11
Views: 994

Re: What does the portfolio one day movement tells you ?

LiveSimple wrote:
Wed Oct 09, 2019 10:50 am
What are the other guidelines for a one day portfolio movement that we can hear or use.
Never heard of guidelines based on one-day portfolio movement. I suppose I'd say if you're watching one day of movement and drawing any conclusions, you will later be proven wrong about your conclusions!
by goingup
Wed Oct 09, 2019 4:20 pm
Forum: Personal Consumer Issues
Topic: Do you carry your passport with you during international travel?
Replies: 110
Views: 9487

Re: Do you carry your passport with you during international travel?

Yes, on my person when traveling internationally.
by goingup
Tue Oct 08, 2019 9:33 am
Forum: Personal Investments
Topic: Nervous about TLH
Replies: 33
Views: 2410

Re: Nervous about TLH

I have about $10,000 that I can TLH from VTIAX. However, this means selling ~$400,000 of VTIAX and shifting it to a different investment. This is a very large sum of money and a significant fraction of my portfolio, but would help offset about $75,000 in net long term/short term gains from unwindin...
by goingup
Tue Oct 08, 2019 8:50 am
Forum: Investing - Theory, News & General
Topic: Emerging markets as a percent of international
Replies: 37
Views: 3239

Re: Emerging markets as a percent of international

Right, so VTIAX tells us what percentage of international market cap (ex-US) comes from emerging markets and what percentage comes from developed markets, however they define those. That's what I'm looking for -- an indication of how much of my international equity should be in these emerging marke...
by goingup
Sun Oct 06, 2019 1:47 pm
Forum: Personal Investments
Topic: A disappointing return
Replies: 21
Views: 2256

Re: A disappointing return

I ran portfolio visualizer for your fund in that date range. The return was 7.4%. Could it be that your the bulk of your contribution was recent? Anyways, it's a fine target fund with a big helping of international. If it doesn't suit your time frame you might want to a TR2035 or later. (I'm unclear...
by goingup
Sun Oct 06, 2019 12:39 pm
Forum: Investing - Theory, News & General
Topic: Michael Kitces investment strategy -- opinions?
Replies: 48
Views: 4311

Re: Michael Kitces investment strategy -- opinions?

Rising equity glide-path makes sense to me. I wouldn't be willing to start retirement at 30/70 however. We're starting at 60/40 and may drift from there.
by goingup
Sun Oct 06, 2019 12:02 pm
Forum: Investing - Theory, News & General
Topic: Vanguard's Impersonal Advisor Service
Replies: 23
Views: 3331

Re: Vanguard's Impersonal Advisor Service

My observation is that many younger people have no desire to speak on the phone. I posit that folks 65+ prefer face-to-face advisor interactions. Folks 40-65 prefer phone and on-line interface. Investors age 40 and younger can hardly imagine meeting face-to-face or having to discuss things on the ph...
by goingup
Sat Oct 05, 2019 8:57 am
Forum: Personal Finance (Not Investing)
Topic: Can you change the date interest is credited to a bank account?
Replies: 24
Views: 1449

Re: Can you change the date interest is credited to a bank account?

Possible to consolidate accounts? I find it much easier to manage one interest-bearing account. :D Possible? Only have about ten so I already have. :D This strikes me as being somewhat over concerned about the account daily balances. For my purposes reviewing statements every month or every 3 month...
by goingup
Thu Oct 03, 2019 12:36 pm
Forum: Personal Finance (Not Investing)
Topic: Can you change the date interest is credited to a bank account?
Replies: 24
Views: 1449

Re: Can you change the date interest is credited to a bank account?

Possible to consolidate accounts? I find it much easier to manage one interest-bearing account. :D
by goingup
Wed Oct 02, 2019 4:23 pm
Forum: Personal Investments
Topic: FXNAX - a no-brainer in Flagship Vanguard IRAs?
Replies: 10
Views: 798

Re: FXNAX - a no-brainer in Flagship Vanguard IRAs?

I ask because I don't know the answer. Is it seamless to hold a Fidelity fund in a Vanguard IRA? Meaning can you exchange between funds in one transaction as you can between 2 Vanguard funds? When it's time for RMDs, can you schedule withdrawals from non-Vanguard funds with the exact same procedures...
by goingup
Wed Oct 02, 2019 3:45 pm
Forum: Personal Investments
Topic: UMN System Switch from Vanguard Target Date to expensive JPMorgan SmartRetirement Funds, Fiduciary?
Replies: 11
Views: 999

Re: UMN System Switch from Vanguard Target Date to expensive JPMorgan SmartRetirement Funds, Fiduciary?

You have to wonder how a committee could make such a poor decision. :oops: Why would they change from a low cost Target Fund provider (Vanguard) to one that offers funds that are 8X as expensive? I would think that's a real breach of their oversight responsibility. Here's an article from Barrons in ...