Search found 3559 matches

by goingup
Fri Jul 19, 2019 2:43 pm
Forum: Personal Investments
Topic: Admiral v Vanguard ETFs (Now with Lower Expense Ratio)
Replies: 3
Views: 281

Re: Admiral v Vanguard ETFs (Now with Lower Expense Ratio)

You'll have to figure out for yourself if the cost savings of using ETFs are worth it to you. The difference between VTI and VTSAX is .01%. If your portfolio is: $10,000 that's a $1 difference $100,000 that's a $10 difference $1,000,000 that's a $100 difference I use only mutual funds and can't fore...
by goingup
Fri Jul 19, 2019 9:42 am
Forum: Personal Finance (Not Investing)
Topic: Harrassed at work, what steps to take to protect her future employment
Replies: 93
Views: 7773

Re: Harrassed at work, what steps to take to protect her future employment

I have no doubt your friend, an employee of 30 years, has told you exactly what is going on. Why folks think she is exaggerating the case is baffling. With the new management and poor corporate financials, along with a mandate to cut heads, it's very likely they are trying to push her out. I suspect...
by goingup
Thu Jul 18, 2019 4:49 pm
Forum: Personal Finance (Not Investing)
Topic: Help me live off my retirement funds
Replies: 16
Views: 2506

Re: Help me live off my retirement funds

Just think how much easier it'd be to set an automatic withdrawal from something like Vanguard Lifestrategy Moderate growth fund, where it does all of that rebalancing for you, for a small nominal fee over 3 fund. It's close enough to a 3-fund that hopefully they wouldn't object too much by this de...
by goingup
Tue Jul 16, 2019 6:48 pm
Forum: Personal Investments
Topic: 2 to 4 fund YTD numbers from fellow Bogleheads.
Replies: 12
Views: 1017

Re: 2 to 4 fund YTD numbers from fellow Bogleheads.

Use portfoliovisualizer.com ... Enter the funds, allocations, and time periods of your choice in the "Backtest Portfolio" section. Or use the data found on Vanguard's site... VTI (Total Stock Market) has a YTD return of 21.46 VXUS (Total Int'l) has a YTD return of 6.42 TBM (Total Bond Market) has a...
by goingup
Tue Jul 16, 2019 10:50 am
Forum: Personal Investments
Topic: Poor financial advisor performance
Replies: 71
Views: 3857

Re: Poor financial advisor performance

I'd think very carefully about leaving your advisor. Being a DIY'er really isn't for everyone. I remember reading (with shock) in Investor's Manifesto by Bill Bernstein when he stated that most people need a financial advisor. I've come around to thinking he may have a point. Talk with your advisor...
by goingup
Tue Jul 16, 2019 10:09 am
Forum: Personal Investments
Topic: Poor financial advisor performance
Replies: 71
Views: 3857

Re: Poor financial advisor performance

I'd think very carefully about leaving your advisor. Being a DIY'er really isn't for everyone. I remember reading (with shock) in Investor's Manifesto by Bill Bernstein when he stated that most people need a financial advisor. I've come around to thinking he may have a point. Talk with your advisor ...
by goingup
Sun Jul 14, 2019 12:39 pm
Forum: Personal Investments
Topic: Vanguard TD funds
Replies: 35
Views: 1995

Re: Vanguard TD funds

We used to use them in IRA accounts. When our portfolio got larger I switched our rollover IRAs/401K to blended stock/bond funds. I like the idea of set and forget it, but the changing glide path of Target Date funds was not ideal when combined with other accounts. I also prefer to hold less interna...
by goingup
Sun Jul 14, 2019 11:55 am
Forum: Personal Finance (Not Investing)
Topic: Looking at account to get used to fluctuations?
Replies: 15
Views: 737

Re: Looking at account to get used to fluctuations?

There's a concept in behavioral economics called Myopic Loss Aversion. When you peek frequently at your holdings you see lots of ups and downs. Those losses are so painful that you may decide to become more conservative than is needed. https://www.behavioraleconomics.com/resources/mini-encyclopedia-...
by goingup
Sun Jul 14, 2019 9:28 am
Forum: Personal Investments
Topic: Am I holding too much cash?
Replies: 30
Views: 3813

Re: Am I holding too much cash?

OP- That's too much cash for your situation. I've read your prior posts and you've been pessimistic about investing in the market for nearly a year. I suspect your list of rationales has a lot to do with fear of losing money in the market. My suggestion is to make a plan for investing in a taxable a...
by goingup
Fri Jul 12, 2019 4:36 pm
Forum: Personal Investments
Topic: Vanguard Interest Accumulation
Replies: 8
Views: 730

Re: Vanguard Interest Accumulation

As others have said, for the settlement fund it basically begins on the next day. You can actually see the accumulated interest on the old school page view. Basically you do the following: 1) Log in 2) Using the red menu bar at the top click on "My Accounts" and then select "Balances and holdings" ...
by goingup
Thu Jul 11, 2019 3:39 pm
Forum: Personal Finance (Not Investing)
Topic: Pay Bank of America Credit Card from Another Bank?
Replies: 15
Views: 1151

Re: Pay Bank of America Credit Card from Another Bank?

You "push" payment to BOA from your new bank. Set up Bank of America as a "payee", along with all the other entities, companies, utilities that you pay on a monthly basis. Very easy.
by goingup
Wed Jul 10, 2019 6:50 pm
Forum: Personal Investments
Topic: Portfolio Cleanup Advice
Replies: 14
Views: 1916

Re: Portfolio Cleanup Advice

I just want to congratulate you on getting this accomplished. Many people want to make a change from their FA but just can't summon the energy to follow through. Inertia seems to take over.

You did it and streamlined your portfolio and substantially reduced cost. Outstanding! :beer
by goingup
Wed Jul 10, 2019 2:42 pm
Forum: Personal Investments
Topic: Performance differentiations (VTSAX vs. VWNAX)
Replies: 12
Views: 756

Re: Performance differentiations (VTSAX vs. VWNAX)

Value funds have been lagging Growth and Blend funds for several years. The expense ratio of Windsor is more than TSM, so it would commonly be called the more expensive fund.

As everyone has noted, the relative price of the shares (to each other) is not something to consider when gauging performance.
by goingup
Wed Jul 10, 2019 2:29 pm
Forum: Personal Investments
Topic: Re-balancing challenge....
Replies: 21
Views: 1159

Re: Re-balancing challenge....

I think you should resist the urge to tinker if your AA suits you. It sounds as though you like 55/45 but are having some jitters. Personally, I'd try to ignore the jitters and stick with your program. There's an old saying, "Choose right and sit tight". We're at 60/40 including a good floor of bond...
by goingup
Thu Jul 04, 2019 1:22 pm
Forum: Investing - Theory, News & General
Topic: Asset Allocation Jitters
Replies: 25
Views: 2119

Re: Asset Allocation Jitters

If you are youngish and find 60/40 too conservative you could see if 70/30 suits you better. This can be done over time by directing new contributions to 100% equity. Additionally, if you don't rebalance, your equity holdings tend to drift upwards over time. We're 60/40 now but will likely drift up ...
by goingup
Sat Jun 29, 2019 9:48 am
Forum: Investing - Theory, News & General
Topic: Vanguard "Balances Compared to Year End" Significantly Incorrect
Replies: 6
Views: 556

Re: Vanguard "Balances Compared to Year End" Significantly Incorrect

Small Law Survivor wrote:
Sat Jun 29, 2019 8:59 am
In other words, it shows them having $0 balance year-end 2018 and correct balance as of today, resulting in 100% increase YTD.
Did you have Investor Shares that converted to Admiral Shares during that time?
by goingup
Fri Jun 28, 2019 11:46 am
Forum: Investing - Theory, News & General
Topic: Settlement fund and minimizing tax lots
Replies: 4
Views: 285

Re: Settlement fund and minimizing tax lots

Send your dividends to your checking account. Then make your monthly transaction from checking to VTSAX as usual.

We've always reinvested dividends in taxable accounts, though. Never worried about tax lots and always wanted the dividends to get invested as soon as possible.
by goingup
Thu Jun 27, 2019 2:04 pm
Forum: Personal Investments
Topic: Is taking bond divs considered a portfolio withdrawal?
Replies: 8
Views: 596

Re: Is taking bond divs considered a portfolio withdrawal?

Thanks for the responses. I do think in terms of total return and don't favor a dividend strategy. It was not clear to me that taking bond fund and MM interest would be considered a withdrawal because the fund NAV doesn't change, as it does with equity funds. But based on the responses I will includ...
by goingup
Thu Jun 27, 2019 9:43 am
Forum: Personal Investments
Topic: Is taking bond divs considered a portfolio withdrawal?
Replies: 8
Views: 596

Is taking bond divs considered a portfolio withdrawal?

Bogleheads: Do you consider taking bond fund dividends from a taxable portfolio part of your withdrawal rate? The context is we are both now retired at ages 50/58. As of last month I'm directing bond and MM interest to our checking account. This is about $2,000 per month. Would you consider this to ...
by goingup
Tue Jun 25, 2019 11:39 am
Forum: Personal Investments
Topic: Tax Loss Harvesting and Teaching Your Spouse Investing
Replies: 10
Views: 1010

Re: Tax Loss Harvesting and Teaching Your Spouse Investing

Tax loss harvesting is a tax tool. I really don't think it's critical for successful investing. Some people here don't bother with it at all. I wouldn't make the ability to TLH the litmus test as to whether your spouse (or you) can be successful investors. Spend your energy making sure everyone know...
by goingup
Mon Jun 24, 2019 12:07 pm
Forum: Personal Investments
Topic: Why does AA matter as long as I stick to it?
Replies: 26
Views: 2596

Re: Why does AA matter as long as I stick to it?

delrinson wrote:
Mon Jun 24, 2019 10:59 am
I am 20% fixed income and 80% stock.
You might want to edit your first post. It's confusing when you stated you're 20/80. That's not the common nomenclature.
by goingup
Sun Jun 23, 2019 9:10 am
Forum: Personal Consumer Issues
Topic: How do you approach tipping at carry-out restaurants
Replies: 111
Views: 7520

Re: How do you approach tipping at carry-out restaurants

The tip screen popped up after paying by CC at Panera yesterday. I declined but I'm left with the an unpleasant feeling that I'm a miser.
by goingup
Fri Jun 21, 2019 1:25 pm
Forum: Personal Investments
Topic: Asset Allocation - Risk
Replies: 15
Views: 1293

Re: Asset Allocation - Risk

No one can answer that for you. Risk tolerance is a personal thing. But if you're asking a bunch of strangers on the internet, you might be rethinking your AA. So add 5-10% more bonds or cash and see if that is reassuring. :beer
by goingup
Thu Jun 20, 2019 5:36 pm
Forum: Personal Consumer Issues
Topic: Passport photos cheap
Replies: 55
Views: 3092

Re: Passport photos cheap

Costco... took pic, grabbed and ate my hot dog combo, go back to pickup pics. Thanks for this info! I didn't know Costco did this but got mine there last week. Why 4 photos though? Anyways, paid $4.99. Ate the hot dog combo and returned 20 minutes later for pick-up. Super easy and could even make a...
by goingup
Thu Jun 13, 2019 9:06 am
Forum: Personal Finance (Not Investing)
Topic: How much is your guys’ fees for your 401k?
Replies: 96
Views: 5210

Re: How much is your guys’ fees for your 401k?

The plan administration fee for my SO's 401K was .135% of assets. That worked out to be about $815 last year.
by goingup
Wed Jun 12, 2019 12:06 pm
Forum: Personal Consumer Issues
Topic: Best women's starter golf clubs?
Replies: 17
Views: 849

Re: Best women's starter golf clubs?

My boss told me I need to take up golf in order to take clients out. What is the best starter set of women's golf clubs and anything specific that a beginner should spend money on? I don't think this will pay off immediately for me so I am trying not to spend a ton of money here. Thanks! Frankly, I...
by goingup
Tue Jun 11, 2019 3:12 pm
Forum: Investing - Theory, News & General
Topic: Will Dollar Cost Averaging Result in a Tax Preparation Nightmare?
Replies: 23
Views: 2309

Re: Will Dollar Cost Averaging Result in a Tax Preparation Nightmare?

In a taxable account, if someone is dollar cost averaging and buying a little bit of stock every month for 30 years, will that result in a tax preparation nightmare when this person starts selling after so many years? It's very simple. Your broker keeps track of the basis. That has always been good...
by goingup
Thu Jun 06, 2019 6:16 pm
Forum: Personal Investments
Topic: why are Small Caps falling?
Replies: 118
Views: 10512

Re: why are Small Caps falling?

As of today S&P 600 is almost in bear market territory.. I'm too lazy to fact-check this, but my small cap blend fund is less than 10% below it's all-time high of August 2018. Not in bear territory at all by my reckoning, Still well ahead of SP500 in 2019. Nothing unusual here as small cap funds fl...
by goingup
Wed Jun 05, 2019 10:26 am
Forum: Personal Investments
Topic: Talk me out of trading muni bond funds
Replies: 20
Views: 1698

Re: Talk me out of trading muni bond funds

Anyway, I have substantial long term gains in Vanguard Limited and Intermediate term muni funds due to plunge in interest rates. Should I continue to hold and forget or accept the gains and move on. To me this is no different than having gains in any other holding. Do you need to sell to rebalance?...
by goingup
Mon Jun 03, 2019 9:27 am
Forum: Personal Investments
Topic: Diverting monthly muni fund interest to stocks?
Replies: 5
Views: 636

Re: Diverting monthly muni fund interest to stocks?

It probably doesn't make much difference unless your muni bonds produce enough interest to help with rebalancing. I have always reinvested dividends because it's easy, automatic, requires no decisions, and keeps the money invested. From a behavioral perspective, I've found the less tinkering I do th...
by goingup
Fri May 31, 2019 8:13 am
Forum: Investing - Theory, News & General
Topic: Does one need a bank account anymore?
Replies: 60
Views: 4407

Re: Does one need a bank account anymore?

I go into my local bank branch, mainly for cash, usually 100's. I give cash for birthday, graduation, and Christmas. (Creative, eh?) I pay the dog-sitter in cash. On our recent trip to Philly, several restaurants only took cash. Tipping for hotel housekeeping, shuttle service, etc--all cash. The ATM...
by goingup
Thu May 30, 2019 9:21 am
Forum: Personal Investments
Topic: Am I playing a losing game?
Replies: 33
Views: 3252

Re: Am I playing a losing game?

One of the few things Bogleheads agree on is that high ERs hurt portfolio returns. Lowering costs for investors was the central theme of Jack Bogle's work. With that in mind, use low-cost index funds for the core of your retirement portfolio. It really makes a difference as your portfolio grows. For...
by goingup
Thu May 30, 2019 8:51 am
Forum: Investing - Theory, News & General
Topic: Do you have an allocation more conservative than 50/50 ?? What is it? Why? How Bogleheads are getting it done.
Replies: 135
Views: 12311

Re: Do you have an allocation more conservative than 50/50 ?? What is it? Why?

alexfoo39 wrote:
Sun May 26, 2019 10:52 pm
Hehe... Most bogleheads are more Conservative than we think. Where's the 90/10 folks?
Folks with AAs less conservative than 50/50 are not responding to this thread. I'm in that less conservative camp, too. :beer
by goingup
Wed May 22, 2019 1:28 pm
Forum: Personal Finance (Not Investing)
Topic: Senior management/executives
Replies: 51
Views: 4201

Re: Senior management/executives

I'm confused by your question. The first part makes it sound like you experienced classic sexual harassment, but the second part makes it sound like you're talking about corruption and bribes. But the quotes around something leave the impression that you may also be confused by the offer and it may...
by goingup
Wed May 22, 2019 11:13 am
Forum: Personal Investments
Topic: Moving VFIAX to VTSAX
Replies: 5
Views: 657

Re: Moving VFIAX to VTSAX

Do an "exchange" to ensure you're never out of the market.
by goingup
Tue May 21, 2019 12:07 pm
Forum: Personal Investments
Topic: 5.5% Load 403(b) Roth vs Low Cost Taxable Account
Replies: 81
Views: 3577

Re: 5.5% Load 403(b) Roth vs Low Cost Taxable Account

How is this even legal? I've seen loaded funds in workplace place but usually the load is waived. If that guys is making 4% on every contribution...wow! Agreed. It's awful. I'm happy to say that it's not common. In fact, I have never seen a 401K/403B that has funds with load fees. The error that so...
by goingup
Tue May 21, 2019 9:06 am
Forum: Personal Investments
Topic: Is an emergency just mental accounting?
Replies: 70
Views: 5763

Re: Is an emergency just mental accounting?

For example, a portfolio that is 80/20 with an emergency fund in a money market account becomes a 75/25 portfolio with the emergency fund fully invested in the portfolio. I think you're right. But portfolio size makes a difference. If your portfolio is $100K and you need several months expenses bec...
by goingup
Tue May 21, 2019 8:49 am
Forum: Personal Investments
Topic: Is an emergency just mental accounting?
Replies: 70
Views: 5763

Re: Is an emergency just mental accounting?

For example, a portfolio that is 80/20 with an emergency fund in a money market account becomes a 75/25 portfolio with the emergency fund fully invested in the portfolio. I think you're right. But portfolio size makes a difference. If your portfolio is $100K and you need several months expenses bec...
by goingup
Mon May 20, 2019 9:10 am
Forum: Personal Finance (Not Investing)
Topic: Completely freaked out about withdrawing from retirement accounts....
Replies: 75
Views: 10316

Re: completely freaked out about withdrawing from retirement accounts....

We're entering this withdrawal phase for the first time too. My plan is to automate withdrawals as much as possible. Bond and MM interest will be deposited in checking account automatically. A monthly draw from MM will be automated, too. I'm going to try to hold the reins loosely, maintain a relaxed...
by goingup
Sat May 18, 2019 2:04 pm
Forum: Personal Consumer Issues
Topic: Frustration dealing with contractors....am I doing something wrong?
Replies: 43
Views: 4522

Re: Frustration dealing with contractors....am I doing something wrong?

We live in Seattle area and have very large trees (75 ft Doug Firs) on the property. Getting tree quotes is a normal thing. Use well-established businesses if your trees require workers to get on ladders. Get three written quotes and know what you want done. Don't waste people's time. I don't discu...
by goingup
Sat May 18, 2019 9:52 am
Forum: Personal Consumer Issues
Topic: Frustration dealing with contractors....am I doing something wrong?
Replies: 43
Views: 4522

Re: Frustration dealing with contractors....am I doing something wrong?

We live in Seattle area and have very large trees (75 ft Doug Firs) on the property. Getting tree quotes is a normal thing. Use well-established businesses if your trees require workers to get on ladders. Get three written quotes and know what you want done. Don't waste people's time. I don't discus...
by goingup
Thu May 16, 2019 11:49 am
Forum: Personal Finance (Not Investing)
Topic: Do you reward yourself for achieving a financial goal?
Replies: 107
Views: 6773

Re: Do you reward yourself for achieving a financial goal?

No. I don't frame our spending like that. When we started to have higher income and meet annual savings targets and still have a bunch left, the travel got a little nicer.

I don't think about milestones equating to rewards.
by goingup
Mon May 13, 2019 8:00 pm
Forum: Personal Finance (Not Investing)
Topic: Do you receive a letter if you credit card is about to be closed for inactivity?
Replies: 18
Views: 1512

Re: Do you receive a letter if you credit card is about to be closed for inactivity?

I did just get one from Citi for a rarely used card (Sears Mastercard) held since 1995. I felt a bit miffed and wondered if I should try to save that relationship. Nah. Let it go and move on!
by goingup
Thu May 09, 2019 8:03 pm
Forum: Forum Issues and Administration
Topic: BH Structure Idea
Replies: 9
Views: 767

Re: BH Structure Idea

No, I don't care for the idea of segregating based on age. It is helpful, however, when forum members disclose their age (or stage) when creating or responding to posts. As in, "I'm a late-stage accumulator" or "I'm an early retiree" or even "I'm a young person participating in my first 401K plan". ...
by goingup
Thu May 09, 2019 9:02 am
Forum: Personal Finance (Not Investing)
Topic: Confidence in Amount Needed for Retirement: Which Tools/Models?
Replies: 7
Views: 781

Re: Confidence in Amount Needed for Retirement: Which Tools/Models?

Here's a big list of retirement calculators from the forum wiki. https://www.bogleheads.org/wiki/Retirem ... d_spending

For us, entering retirement now at ages 50 and 58, we're using the 4(ish) percent rule with a 60/40 portfolio. Seems good enough. :beer
by goingup
Sat May 04, 2019 3:03 pm
Forum: Personal Investments
Topic: Mutual of Omaha - help identify vanguard fund
Replies: 9
Views: 1068

Re: Mutual of Omaha - help identify vanguard fund

The performance is consistently 2-3% lower than the VFFVX - official Vanguard 2055 fund. Given that my 401k charges a flat 2% record keeping fee is it worth investing in this fund? Alternate would be me directly investing the same amount in my Vanguard brokerage account. I think you might be mistak...
by goingup
Wed May 01, 2019 4:54 pm
Forum: Personal Consumer Issues
Topic: EXTREMELY frugal things from our parents and grandparents
Replies: 110
Views: 9599

Re: EXTREMELY frugal things from our paernets and grandparents

My grandmother always used the same "teaball" twice (at least). She would brew her tea, then leave the tegbag in a small glass next to the sink. For next time. My grandmother would share / reuse teabags. If family came over for a meal/celebration you were expected to dip the tea bag in your water a...
by goingup
Wed May 01, 2019 2:43 pm
Forum: Personal Consumer Issues
Topic: Questions for Folks that Does Not Need Their 401k/IRA Funds in Retirement
Replies: 67
Views: 5099

Re: Questions for Folks that Does Not Need Their 401k/IRA Funds in Retirement

We're retiring now, in our 50's. Not sure if we'll need the 1/3 of the portfolio that is 401K and rollover IRA. I'm really glad we have it, though, and have no regrets about spending/saving.
by goingup
Wed May 01, 2019 2:35 pm
Forum: Investing - Theory, News & General
Topic: Is 2019 the year of the mid-cap fund? Does active beat out index sometimes?
Replies: 13
Views: 2064

Re: Is 2019 the year of the mid-cap fund? Does active beat out index sometimes?

However, TIRTX has an ER of 0.72% while VIGAX is only 0.05%. After fees, TIRTX underperforms VIGAX by 2 basis points over the last 10 years. Fund performance results include expense ratios. Meaning, the ERs are already taken into account when performance results are published. (This isn't the case ...
by goingup
Wed May 01, 2019 12:01 pm
Forum: Personal Investments
Topic: Help simplifyng complex portfolio after firing AUM advisor
Replies: 21
Views: 2162

Re: Help simplifyng complex portfolio after firing AUM advisor

I won't attempt to answer all your questions, but it wouldn't be a tough choice for me to sell every mutual fund position in taxable that was less than 5% of your portfolio. That would clear out several high ER funds. Next, I'd work on selling the larger holdings with high ERs. Lastly I'd work on th...