Search found 3503 matches

by goingup
Sun Apr 21, 2019 9:53 am
Forum: Personal Finance (Not Investing)
Topic: Rethinking Asset Allocation
Replies: 10
Views: 676

Re: Rethinking Asset Allocation

Given what you said about pensions and SS covering expenses, along with RMDs, your AA is fine. If you'd feel more comfortable add more Total Bond to get to 60/40.
by goingup
Sat Apr 20, 2019 11:38 am
Forum: Investing - Theory, News & General
Topic: The Fundamental Axioms / Laws / Principles of Investing
Replies: 23
Views: 1058

Re: The Fundamental Axioms / Laws / Principles of Investing

You don't really need to reinvent the wheel do you? :wink: The Bogleheads® Philosophy Develop a workable plan Invest early and often Never bear too much or too little risk Never try to time the market Use index funds when possible Keep costs low Diversify Minimize taxes Keep it simple Stay the course
by goingup
Fri Apr 19, 2019 9:28 am
Forum: Personal Finance (Not Investing)
Topic: Home Purchase Feasibility
Replies: 22
Views: 1190

Re: Home Purchase Feasibility

guwop wrote:
Fri Apr 19, 2019 9:05 am
Our current monthly net income is $5,700, so our housing+fixed expenses would be ~90% of that.
Whoa. I've never seen a tighter squeeze than that. Can you qualify for a mortgage?

Sorry to sound dour, but this is a recipe for misery. :|
by goingup
Fri Apr 19, 2019 8:47 am
Forum: Investing - Theory, News & General
Topic: American Funds vs Vanguard
Replies: 69
Views: 3923

Re: American Funds vs Vanguard

I remember reading somewhere that Dan Solin said that his hand was forced and he HAD to invest with an active mutual fund company that he would go with American Funds. I recall him being somewhat complimentary of their management structure and investment guidelines. Does anyone know if American Fun...
by goingup
Wed Apr 17, 2019 9:16 am
Forum: Personal Investments
Topic: Does Vanguard Offer Automatic Rebalancing
Replies: 13
Views: 1594

Re: Does Vanguard Offer Autmatic Rebalancing

She has a good plan. A Target Fund is self-balancing. There is no automatic balancing function for a collection of Vanguard funds at the retail site. You can keep an eye on your allocation using the Portfolio Watch tool. In my opinion, rebalancing isn't too important and can be done rarely when stoc...
by goingup
Tue Apr 16, 2019 9:00 am
Forum: Personal Consumer Issues
Topic: After financial independence, do you play credit card bonus games?
Replies: 92
Views: 6009

Re: After financial independence, do you play credit card bonus games?

We primarily use one CC for airline miles. Annual spend is $60K. That's it. No other games. :happy I do enjoy using loyalty points at Marriott (now Bonvoy) and Hilton properties. I find value in keeping our financial life simple. One credit card bill. One bank. One brokerage. I lack the attention sp...
by goingup
Mon Apr 15, 2019 12:34 pm
Forum: Personal Consumer Issues
Topic: seriously thinking about leaving S. CA but where to?
Replies: 177
Views: 9672

Re: seriously thinking about leaving S. CA but where to?

We left CA 10+ years ago. Miss it greatly. I'd move back in a heartbeat if it weren't for the daunting taxes.
by goingup
Sun Apr 14, 2019 9:16 am
Forum: Personal Investments
Topic: My advisor VS Vanguard's PAS
Replies: 70
Views: 4591

Re: My advisor VS Vanguard's PAS

The logical starting point, it seems to me, is to find out if your financial advisor would reduce his fee. Having been there 14 years, you probably don't require a lot of attention. If you need lots of hand-holding, he may not be inclined to reduce. If you are low-maintenance, he might be amenable t...
by goingup
Sun Apr 14, 2019 9:03 am
Forum: Personal Investments
Topic: "Never time the market" vs. lump sum investment
Replies: 148
Views: 15095

Re: "Never time the market" vs. lump sum investment

Hey, I give the OP credit for lumping in half his windfall in December. It did take some nerve to buy in when it felt like the market was plunging into bear territory. The question is what now? Personally, I'd want to write down a plan for getting that money invested and automate a monthly/quarterly...
by goingup
Sat Apr 13, 2019 9:28 am
Forum: Investing - Theory, News & General
Topic: ETFs vs. Mutual Funds ("Bogleheads Mentioned in the NYT")
Replies: 59
Views: 8123

ETFs vs. Mutual Funds ("Bogleheads Mentioned in the NYT")

nisiprius wrote:
Fri Apr 12, 2019 11:27 am
But a reasonable person would surmise that grape bricks are for wine, and ETFs are for short-term speculating.
Thanks Nisi- what a clever post!

I also love Jack Bogle's quote about ETFs: “ETFs are like the famous Purdey shotgun. Great for killing big game in Africa and great for suicide.”
by goingup
Fri Apr 12, 2019 12:38 pm
Forum: Personal Investments
Topic: Are my 401k fees ridiculously high?
Replies: 32
Views: 2230

Re: Are my 401k fees ridiculously high?

I'd encourage you to participate and contribute the maximum you can afford. The automation of 401K contributions from payroll deduction is a stealth way to accrue wealth. I have never seen a 401K plan that has both a flat monthly fee and quarterly fee. That doesn't sound right. I've also never seen...
by goingup
Fri Apr 12, 2019 9:32 am
Forum: Personal Investments
Topic: What % bonds for early retirement
Replies: 41
Views: 3584

Re: What % bonds for early retirement

what's confusing to me is those target funds probably assume that you have been investing for 10 years longer than I have. So I wasn't sure given the overall shorter investment window if I needed to have a higher percentage of stocks or if because I'm looking to retire sooner I should be more quick...
by goingup
Fri Apr 12, 2019 9:15 am
Forum: Personal Investments
Topic: What % bonds for early retirement
Replies: 41
Views: 3584

Re: What % bonds for early retirement

Vanguard's Target Retirement 2030 fund is 75/25. The TR2035 fund is 80/20. Those could be appropriate asset allocations for you. Some people your age are comfortable with 100% equity along with holding a robust emergency fund.
by goingup
Fri Apr 12, 2019 9:00 am
Forum: Personal Investments
Topic: Are my 401k fees ridiculously high?
Replies: 32
Views: 2230

Re: Are my 401k fees ridiculously high?

I'd encourage you to participate and contribute the maximum you can afford. The automation of 401K contributions from payroll deduction is a stealth way to accrue wealth. I have never seen a 401K plan that has both a flat monthly fee and quarterly fee. That doesn't sound right. I've also never seen ...
by goingup
Thu Apr 11, 2019 6:49 pm
Forum: Personal Investments
Topic: Pro's and Con's to using one investment account!
Replies: 16
Views: 1820

Re: Pro's and Con's to using one investment account!

What are the Pro's and Con's to using one investment account such as Vanguard for everything ? Taylor Larimore made a list about the benefits of consolidation: Benefits of having all investments in one company: 1. One familiar statement. 2. Less paperwork. 3. Easier tax preparation. 4. Avoidance of...
by goingup
Thu Apr 11, 2019 8:48 am
Forum: Personal Investments
Topic: "Medium-Term" Investing Options
Replies: 12
Views: 723

Re: "Medium-Term" Investing Options

In a taxable account it's wise to choose funds that you'd happy to own forever--and that means tax efficient. If you're considering Vanguard, consider the Tax Managed Balanced Fund (VTMFX), though it has a minimum of $10K. I favor the Total Stock Market Index Fund (VTSAX), which you could hold along...
by goingup
Wed Apr 10, 2019 12:58 pm
Forum: Personal Investments
Topic: Treating Home as Bonds?
Replies: 15
Views: 674

Re: Treating Home as Bonds?

Well, if a mortgage can be considered a negative bond, then a paid off house might be considered something akin to a bond. Personally, I haven't been able to make the leap to calling our paid-off home(s) a bond. But mentally it does allow us to stay equity-heavy going into retirement. I think that i...
by goingup
Tue Apr 09, 2019 12:16 pm
Forum: Personal Investments
Topic: Minutiae is in the eye of the beholder-Help, something's in my eye!
Replies: 29
Views: 2053

Re: Minutiae is in the eye of the beholder-Help, something's in my eye!

While I am not a career financial player, I do consider it my avocation and something that I am passionate about. Possibly to the point of obsessiveness. I think your spouse has been signaling to you that she doesn't want her retirement accounts to come under your control. Maybe it is because she d...
by goingup
Sun Apr 07, 2019 9:40 am
Forum: Personal Consumer Issues
Topic: Huge AirBNB Cancellation Charge
Replies: 123
Views: 7026

Re: Huge AIrBNB Cancellation Charge

OP-
Thanks for posting your situation. I can't offer any suggestions, but am grateful to be advised of the seriousness in committing to a long-term rental on AirB&B.
by goingup
Fri Apr 05, 2019 11:27 am
Forum: Investing - Theory, News & General
Topic: U.S. stocks continue to soar!
Replies: 657
Views: 74790

Re: U.S. stocks continue to soar!

InvestorNewb wrote:
Fri Apr 05, 2019 10:26 am
Anyone else getting concerned? These past few weeks have been great. :moneybag
No. Not any more concerned than usual. InvestorNewb, do you still have your big dollop (20-25%) of REIT fund? That fund is having a good run at present. :beer
by goingup
Tue Apr 02, 2019 3:00 pm
Forum: Personal Consumer Issues
Topic: Second Favorite Financial Forums
Replies: 8
Views: 1451

Re: Second Favorite Financial Forums

This is the only financial site I frequent. However, on Twitter I follow:
Morgan Housel
Jason Zweig
Ben Carlson
Rick Ferri
Jonathan Clements
Allan Roth
Larry Swedroe

These guys are always posting interesting articles they've written and linking other interesting information.
by goingup
Mon Apr 01, 2019 1:20 pm
Forum: Personal Finance (Not Investing)
Topic: Renewal of global entry?
Replies: 10
Views: 1111

Re: Renewal of global entry?

Will they notify you that it's time to renew? Or do I need to keep track of expiration, like I do a passport? You should keep track. You're allowed to renew early (up to 6 months, IIRC) with no impact to the expiration date. They just "reminded me" by email at exactly 6 months before the expiration...
by goingup
Sat Mar 30, 2019 4:14 pm
Forum: Investing - Theory, News & General
Topic: Help on Women and Investing
Replies: 90
Views: 5210

Re: Help on Women and Investing

1. You (Female or Male) has to want to learn about investing, and understand it's not short term, like make a quick buck. 2. You must have a goal. (even if it changes) 3. You must Educate yourself, Forums (even this one) are full of noise and differing opinions, No place for a beginner to learn. 4....
by goingup
Sat Mar 30, 2019 3:42 pm
Forum: Personal Finance (Not Investing)
Topic: Renewal of global entry?
Replies: 10
Views: 1111

Re: Renewal of global entry?

Will they notify you that it's time to renew? Or do I need to keep track of expiration, like I do a passport?
by goingup
Sat Mar 30, 2019 9:49 am
Forum: Personal Investments
Topic: What should I do with my dividends?
Replies: 16
Views: 1283

Re: What should I do with my dividends?

I wouldn't reinvest dividends in your Wellington and LifeStrategy funds that are in the taxable account. It sounds as though your goal is to eliminate those positions, and taking dividends in cash helps that goal. Dividends from other funds in your taxable account can be reinvested if you have no ne...
by goingup
Sat Mar 30, 2019 9:37 am
Forum: Personal Investments
Topic: Age in Bonds?
Replies: 38
Views: 3787

Re: Age in Bonds?

I would consider a target date fund, which may help avoid the “not sure how I would handle” issue. Simple, leaves the rebalancing to Vanguard, something you can and should set and forget. Keeping up with the savings is most critical IMO. Thanks very much. I'm currently in the 2025 Vanguard Target R...
by goingup
Fri Mar 29, 2019 12:18 pm
Forum: Personal Finance (Not Investing)
Topic: Where/how to keep cash on hand or equivalent?
Replies: 28
Views: 960

Re: Where/how to keep cash on hand or equivalent?

dm200 wrote:
Fri Mar 29, 2019 12:06 pm
I would not need immediate access to "cash" - a few days or weeks would be fine.
Your post is a real head-scratcher to me. Why not keep your cash in the bank? Otherwise, I guess keep cash in a safe in your home. Or a safety deposit box at a bank. Who are you, Jason Bourne? :shock:
by goingup
Fri Mar 29, 2019 9:39 am
Forum: Personal Finance (Not Investing)
Topic: How often do you check your net worth?
Replies: 257
Views: 13995

Re: How often do you check your net worth?

Net worth? Maybe once a year I'll look at property values on Zillow/Redfin. Investable assets I peek at frequently (regrettably). :D
by goingup
Thu Mar 28, 2019 2:06 pm
Forum: Personal Finance (Not Investing)
Topic: Is our household budget crazy?
Replies: 141
Views: 11599

Re: Is our household budget crazy?

How much are you saving? We always saved what we thought was needed and spent the rest.
by goingup
Wed Mar 27, 2019 9:12 am
Forum: Personal Finance (Not Investing)
Topic: Increase homeowners insurance deductible?
Replies: 22
Views: 1357

Re: Increase homeowners insurance deductible?

Our deductible through USAA is about $8K currently. Having been a homeowner (multiple homes) for 30 years I've only had one claim, and that's when we lived in a more disaster-prone location. Based on our experiences and ability to self-insure, a high deductible is reasonable. USAA says our property ...
by goingup
Tue Mar 26, 2019 9:39 am
Forum: Investing - Theory, News & General
Topic: Submit questions for Allan Roth, my next "Bogleheads on Investing" podcast guest
Replies: 22
Views: 1821

Re: Submit questions for Allan Roth, my next "Bogleheads on Investing" podcast guest

As DYI investors who are about to enter retirement, my spouse and I would like to have "another set of eyes" review our financial plan. Where can a person even find hourly advisors that aren't trying to push an AUM relationship? Is NAPFA or Garrett Planning Network a reliable resource?
by goingup
Sun Mar 24, 2019 1:21 pm
Forum: Investing - Theory, News & General
Topic: Market timers thread
Replies: 177
Views: 10026

Re: Market timers thread

If you want to time the market what the heck are you doing on this forum? :oops: Good question. I had noticed that Jack Bogle rarely posted anything on these boards either. I guess his remarks, that there was nothing wrong with taking advantage of depressed equity prices to increase equity exposure...
by goingup
Sat Mar 23, 2019 3:36 pm
Forum: Personal Investments
Topic: At which point do you sell index funds/stocks and take a profit?
Replies: 22
Views: 1947

Re: At which point do you sell index funds/stocks and take a profit?

Since you asked the same question yesterday https://www.bogleheads.org/forum/viewtopic.php?f=1&t=276504&p=4451040#p4451040 , apparently selling your funds is on your mind. Why not present the real scenario for selling that you're considering? Personally, as a buy and hold investor. I've never sold t...
by goingup
Thu Mar 21, 2019 8:58 am
Forum: Personal Investments
Topic: VXUS now lower cost than VTIAX. Should I convert?
Replies: 28
Views: 2649

Re: VXUS now lower cost than VTIAX. Should I convert?

I wouldn't like holding both share classes for simplicity's sake. If you like using ETFs, make the switch. The money savings at this point ($14 per year) is inconsequential though.
by goingup
Wed Mar 20, 2019 9:31 am
Forum: Personal Investments
Topic: Thoughts on Investment Approach
Replies: 8
Views: 613

Re: Thoughts on Investment Approach

Max out your 401Ks, of course. It lowers taxable income and you won't even feel the dent in your paycheck. It's retirement savings--for the future retired you. :beer
by goingup
Wed Mar 20, 2019 9:26 am
Forum: Personal Investments
Topic: Input Needed on Dividend Portfolio
Replies: 26
Views: 1674

Re: Input Needed on Dividend Portfolio

I guess I don't think there's anything actionable here for you or for us.

Your friend obviously has a broker, to whom he's paying a AUM fee. Looks as though he's diversified. His portfolio will be more complicated and likely less tax-efficient than standard BH fare.
by goingup
Wed Mar 20, 2019 8:34 am
Forum: Investing - Theory, News & General
Topic: Favorite investment quote
Replies: 73
Views: 3832

Re: Favorite investment quote

I've read so many great quotes on this forum over the years. One that is resonates with me right now, as we are on the cusp of retirement:

"I have a simple solution which has worked for me: Money I cannot afford to lose is in safe-fixed income -- the rest is in stock mutual funds." - Taylor Larimore
by goingup
Mon Mar 18, 2019 1:27 pm
Forum: Personal Investments
Topic: Dividend Auto Re-investing in Taxable Account
Replies: 16
Views: 959

Re: Dividend Auto Re-investing in Taxable Account

If you have 3-4 funds in taxable, send the dividends to the settlement account. Then buy 1 purchase of what you are most short of. Your mix of funds in taxable is probably always off by 1, 2, 3%. That is just part of it. Instead of buying 4 little lots for years and years, send them to the Settleme...
by goingup
Sun Mar 17, 2019 12:09 pm
Forum: Personal Consumer Issues
Topic: Am I being cheap? Wife wants a minivan, but I want to hold off
Replies: 170
Views: 7488

Re: Am I being cheap? Wife wants a minivan, but I want to hold off

I take pleasure in delighting my spouse with the things they really want. I would buy one today.
by goingup
Thu Mar 14, 2019 8:32 am
Forum: Investing - Theory, News & General
Topic: Do you have belief?
Replies: 17
Views: 1277

Re: Do you have belief?

Do you have belief in your investment knowledge and skills, do you feel that no matter what happens, you will be successful? It is an interesting question to ponder. I have a belief that the stock market (and index funds) will increase in value over time. I believe we've saved well and have an appr...
by goingup
Tue Mar 12, 2019 12:00 pm
Forum: Personal Investments
Topic: Spouse wants to buy individual stocks
Replies: 78
Views: 5654

Re: Spouse wants to buy individual stocks

We are new at investing because 2/3 of our nestegg is equity from a home sale when we downsized not too long ago. I'd be concerned if my spouse decided to trade stocks shortly after we came into a large windfall. That could be a problem unless the trading dollars are limited and segregated from the...
by goingup
Thu Mar 07, 2019 5:30 pm
Forum: Personal Investments
Topic: 401K Help, American Funds or nothing
Replies: 16
Views: 777

Re: 401K Help, American Funds or nothing

I would use the TD fund. And contribute the maximum, unless your tax bracket in retirement will be higher than now. The TD fund has 10 basis points higher expense ratio for basically the same split as RIDEX I suggested above. That is $100 for every $10,000 in the plan every year. If the OP is maxin...
by goingup
Thu Mar 07, 2019 10:40 am
Forum: Personal Investments
Topic: Please help with this terrible 401k
Replies: 13
Views: 1113

Re: Please help with this terrible 401k

Why terrible? You haven't listed the ERs, which is the usual measure of greatness. :D The limited options in the plan seem fine, depending upon the costs, of course. I'm nearly always a proponent of maxing out contributions to a 401K because of the automated payroll deductions that lower taxable inc...
by goingup
Wed Mar 06, 2019 2:22 pm
Forum: Personal Investments
Topic: Preparing for first personal assessment call with new Flagship status
Replies: 11
Views: 838

Re: Preparing for first personal assessment call with new Flagship status

I can honestly say that I've never heard of such a thing.
by goingup
Wed Mar 06, 2019 9:35 am
Forum: Personal Investments
Topic: 6% per year. Guaranteed??
Replies: 25
Views: 3064

Re: 6% per year. Guaranteed??

ohboy! wrote:
Wed Mar 06, 2019 1:15 am
My question is for people who are holding crypto. None of the responders thus far seem to be.
Fix your thread title to draw the audience you want.
by goingup
Tue Mar 05, 2019 6:48 pm
Forum: Personal Investments
Topic: Automatic monetary contribution percentage administration just like TSP?
Replies: 2
Views: 203

Re: Automatic monetary contribution percentage administration just like TSP?

I have used automated quarterly purchases of mutual funds for many years. In January I set up the purchase amount for each fund. At year's end if balances have grown out of whack, I'll adjust for the upcoming year. It doesn't sound like you are trying to automate purchases. Rather, you're looking fo...
by goingup
Tue Mar 05, 2019 10:35 am
Forum: Investing - Theory, News & General
Topic: Pushing the frontier of behavioral finance
Replies: 38
Views: 3470

Re: Pushing the frontier of behavioral finance

I'm sure you've seen this, right?

The Bogleheads® Philosophy
Develop a workable plan
Invest early and often
Never bear too much or too little risk
Never try to time the market
Use index funds when possible
Keep costs low
Diversify
Minimize taxes
Keep it simple
Stay the course
by goingup
Mon Mar 04, 2019 8:03 pm
Forum: Investing - Theory, News & General
Topic: Cap gains distributions (taxes) - Index (VFIAX) vs. Active (FCNTX)
Replies: 7
Views: 502

Re: Cap gains distributions (taxes) - Index (VFIAX) vs. Active (FCNTX)

If my conclusion is correct, I might have learned a valuable lesson, many years late. And this would be one more point against Active funds for me. Yes, your conclusion is correct. There are minor exceptions. Some index funds may distribute capital gains--not usually Vanguard index funds. Active fu...
by goingup
Mon Mar 04, 2019 7:52 pm
Forum: Personal Investments
Topic: Best Option for not Reinvesting Dividends
Replies: 9
Views: 747

Re: Best Option for not Reinvesting Dividends

The cost basis of your dividends will be tracked by your broker. It's hard to imagine any accounting advantage of sending them elsewhere only to repurchase the fund. I think reinvesting dividends is the easiest, sure-fire way to stay invested. After all, dividends are a withdrawal from the fund if y...