Search found 3108 matches

by goingup
Wed Jul 18, 2018 5:51 pm
Forum: Investing - Help with Personal Investments
Topic: Realizing 85% of 401k contribution going to bonds
Replies: 20
Views: 2199

Re: Realizing 85% of 401k contribution going to bonds

I never had the resolve to lard up our 401Ks entirely with bonds. The balanced funds were much cheaper and I could not bear to forego the growth. We hold 1/2 bonds in intermediate munis in a taxable account.

It's apparently not optimal tax-wise, but at this point I'm rather set in my ways.
by goingup
Tue Jul 17, 2018 12:42 pm
Forum: Personal Finance (Not Investing)
Topic: Should I reduce the death benefit of my term life policy?
Replies: 20
Views: 900

Re: Should I reduce the death benefit of my term life policy?

I'm not one to over insure. I'd drop to $500K and get it billed quarterly or annually for convenience. (Our term through USAA is billed quarterly.) Also, do you have a policy through your employer?
by goingup
Tue Jul 17, 2018 9:44 am
Forum: Personal Consumer Issues
Topic: Why own a bed?
Replies: 140
Views: 8927

Re: Why own a bed?

This thread gets my vote for one of the silliest yet here on Bogleheads. It's certainly near the top but it seems like a worthy contender pops up almost daily. My vote for silliest is "How Long to Keep a Kitchen Sponge". https://www.bogleheads.org/forum/viewtopic.php?t=210945 At least a bed costs m...
by goingup
Mon Jul 16, 2018 10:06 am
Forum: Investing - Theory, News & General
Topic: Any source for: "If markets fall X%, a X/X portfolio will fall X%?
Replies: 10
Views: 801

Re: Any source for: "If markets fall X%, a X/X portfolio will fall X%?

Here's a chart from the BH wiki:

Asset Allocation %
(Stock/Bond) Exposure to
Maximum Loss
20/80 5%
30/70 10%
40/60 15%
50/50 20%
60/40 25%
70/30 30%
80/20 35%
90/10 40%
100/0 50%

https://www.bogleheads.org/wiki/Asset_allocation
by goingup
Mon Jul 16, 2018 9:13 am
Forum: Investing - Help with Personal Investments
Topic: Fidelity PAS - starting the process to extricate
Replies: 9
Views: 828

Re: Fidelity PAS - starting the process to extricate

The problem is my wife. She also has this fear that I will be 'day trading' with her retirement account. I do plan to ask her to login and let me take a look at the account. She can be difficult and unpredictable. I'm sure you have the best intentions, but it sounds rather like you're bullying her ...
by goingup
Thu Jul 12, 2018 5:19 pm
Forum: Personal Finance (Not Investing)
Topic: Anyone experienced landlords here? Caught some of my tenants renting out rooms. Anything I should do?
Replies: 33
Views: 5817

Re: Anyone experienced landlords here? Caught some of my tenants renting out rooms. Anything I should do?

We have a property management company but I'll you why I would specify no sublets in the lease. As mentioned, you haven't screened the other 2 occupants. There will be additional wear and tear on your rental. These other 2 will have cars and likely overnight guests. If you want to tick off all your ...
by goingup
Thu Jul 12, 2018 12:50 pm
Forum: Personal Finance (Not Investing)
Topic: Grandpa's 88 and has term life insurance
Replies: 39
Views: 2853

Re: Grandpa's 88 and has term life insurance

When I buy a SPIA in 10 years or so, I plan to outlive the actuarial estimates and have the "last laugh". But if I had to spend $900 per month on a small insurance policy I might be tempted to underperform the estimates and check out early. Be careful what you incentivize.
by goingup
Wed Jul 11, 2018 7:31 pm
Forum: Personal Finance (Not Investing)
Topic: Credit score after becoming debt free?
Replies: 44
Views: 2905

Re: Credit score after becoming debt free?

Your credit score will take a hit. Ours went down about 30 points for a couple of months when we paid off our mortgage. We have several credit cards though, and that may have helped get our score back quickly. Yes, our credit score just dropped 21 points after paying off the mortgage in May. Guess ...
by goingup
Wed Jul 11, 2018 9:00 am
Forum: Investing - Help with Personal Investments
Topic: Recurring investments in taxable account
Replies: 26
Views: 1884

Re: Recurring investments in taxable account

I wouldn't like paying trading fees. Your taxable account will grow and you'll likely at least one other fund. Monthly fees will add up. If you prefer using mutual funds and not ETFs, it would be cheaper to be at Vanguard. If ETFs are OK, I'd move to a broker that doesn't charge trading fees for Van...
by goingup
Tue Jul 10, 2018 8:45 am
Forum: Investing - Help with Personal Investments
Topic: Should I move all my investments to Vanguard?
Replies: 31
Views: 2248

Re: Should I move all my investments to Vanguard?

Taylor Larimore often posts his list of benefits in using a single custodian. I agree and hope he doesn't mind me reposting his list! Benefits of having all investments in one company: 1. One familiar statement. 2. Less paperwork. 3. Easier tax preparation. 4. Avoidance of low-balance and other sma...
by goingup
Tue Jul 10, 2018 8:01 am
Forum: Investing - Help with Personal Investments
Topic: Target date funds....unsophisticated?
Replies: 64
Views: 4519

Re: Target date funds....unsophisticated?

Jonathan Clements wrote about Target Funds recently. http://www.humbledollar.com/2018/07/one-and-only/ He has advised his daughter and sons to use them. He uses them himself in 2 smaller accounts to "keep things simple". I used TR2025 and 2035 until our accounts got larger and stretched mainly acros...
by goingup
Sun Jul 08, 2018 1:47 pm
Forum: Forum Issues and Administration
Topic: New Forum User - how fast do PM get sent?
Replies: 7
Views: 524

Re: New Forum User - how fast do PM get sent?

That was nice to PM all respondents. It's more common to just respond in the thread you started to thank respondents and to communicate which suggestions were helpful, etc. Either way, I always appreciate it when the OP circles back to comment. Abandoned threads are discourteous. :annoyed
by goingup
Sun Jul 08, 2018 12:54 pm
Forum: Personal Consumer Issues
Topic: Tipping in a hotel room/cruise ship room
Replies: 57
Views: 3990

Re: Tipping in a hotel room/cruise ship room

I think tipping might be an older generation thing. Younger people really don't carry cash. (My observation.) I'm old and carry cash and tip daily in a hotel room--$2-3. On cruises we have prepaid gratuities. Valet parking $2-5.
by goingup
Sun Jul 08, 2018 12:35 pm
Forum: Investing - Help with Personal Investments
Topic: Trying to hit grand slam with small % portfolio?
Replies: 49
Views: 3229

Re: Trying to hit grand slam with small % portfolio?

I don’t see why people here object to say 10-20k allowance (from low 7 figure portfolio in mid 40s) to some speculative high risk high reward investments like individual stocks, small cap biotech funds, cryptos, etc. The 10-20k would hardly be noticed if lost, but the upside could pay for a nice va...
by goingup
Fri Jul 06, 2018 10:51 am
Forum: Investing - Help with Personal Investments
Topic: Wanting to self-manage retirement accounts - Advice Requested
Replies: 12
Views: 1479

Re: Wanting to self-manage retirement accounts - Advice Requested

Yes, self-manage. If your assets are at Fidelity or Schwab you can tell your advisor you now wish to self-manage your account. This change in status should have no tax consequences. Simplify your holdings. Your IRAs are 10% (total) of your holdings. One fund per account would suffice. I'd hold most ...
by goingup
Thu Jul 05, 2018 1:34 pm
Forum: Investing - Help with Personal Investments
Topic: Tax-deductible 403b vs. taxable Vanguard ETF
Replies: 17
Views: 906

Re: Tax-deductible 403b vs. taxable Vanguard ETF

Those fees are ridiculous. Maybe an Illinois teacher can weigh in here to help. Is it possible there are 403B options you haven't discovered yet? Do you have access to a 457 plan?

If the admin fee is truly 2.5% I'd probably pass and save in a taxable account, using tax-efficient funds.
by goingup
Thu Jul 05, 2018 8:53 am
Forum: Investing - Help with Personal Investments
Topic: 401k fees...what's "too high?"
Replies: 50
Views: 3167

Re: 401k fees...what's "too high?"

Administrative fees in 401K plans are very common. It means the employer has not entirely unwritten the cost of the plan. The fees you mention aren't great, but aren't exorbitant either. I'd absolutely max out that 401K plan. Contributing to a 401K lowers taxable income and is an effortless automati...
by goingup
Tue Jul 03, 2018 1:43 pm
Forum: Investing - Help with Personal Investments
Topic: Asset Allocation once you reach your target
Replies: 42
Views: 3009

Re: Asset Allocation once you reach your target

I do think about this a lot. The wage earner in our house is going to retire this year--age 49. I'm 57, retired. Because we have 30-40 more years of investing, we plan to stay at 60/40 for the long run. An asset allocation has a lot to do with how risk averse you are, and how wide the margin of erro...
by goingup
Mon Jul 02, 2018 9:05 am
Forum: Personal Consumer Issues
Topic: Retiring in Michigan (Ann Arbor)
Replies: 65
Views: 4666

Re: Retiring in Michigan (Ann Arbor)

Grew up in MI, graduated from UM and have most of my immediate family in AA area. That said I'm a Left Coaster now. If my only choices were Ann Arbor or LA/Orange County, I might choose AA. However, if I could pick San Diego, San Luis Obispo or Santa Cruz--well, I'd opt for the CA sunshine, mountain...
by goingup
Mon Jul 02, 2018 8:49 am
Forum: Personal Consumer Issues
Topic: Rented car, got rear ended - hit and run
Replies: 20
Views: 2222

Re: Rented car, got rear ended - hit and run

Interesting discussion. I'm now looking into getting either Chase Sapphire Preferred (or Reserve) because of this primary coverage feature with car rentals. Our auto policies have $1,000 deductibles which I think would mean I'd be out of pocket for minor rental car accidents because our current CC h...
by goingup
Sun Jul 01, 2018 2:23 pm
Forum: Investing - Help with Personal Investments
Topic: Timing of rollover of Vanguard Institutional Index Fund (VINIX) in 403(b)?
Replies: 14
Views: 590

Re: Timing of rollover of Vanguard Institutional Index Fund (VINIX) in 403(b)?

ny_rn wrote:
Sun Jul 01, 2018 1:54 pm
Are you sure you have to cash out and have a check sent?
I agree this is important to know. In my experience this type of transition has been seamless to me.
by goingup
Sun Jul 01, 2018 1:57 pm
Forum: Personal Finance (Not Investing)
Topic: What are your property taxes?
Replies: 212
Views: 12860

Re: What are your property taxes?

King County, WA (Seattle area): $7800 on assessed value $635K, market value $850K. No state income tax. Sales tax 10%.
by goingup
Sun Jul 01, 2018 9:10 am
Forum: Investing - Help with Personal Investments
Topic: What % of your equity is int’l?
Replies: 141
Views: 7712

Re: What % of your equity is int’l?

Our international is 22% of equity. I'm OK with 20-30% and let it drift.

Vanguard suggests this: To further diversify your stock portfolio, consider allocating 30% to 50% to foreign stocks.
by goingup
Fri Jun 29, 2018 9:07 am
Forum: Investing - Theory, News & General
Topic: "How to invest without regret" - Daniel Kahneman
Replies: 20
Views: 2718

Re: "How to invest without regret" - Daniel Kahneman

I'm not sure how this helps someone with loss aversion. Seeing the losses concentrated in one portfolio would make it worse, at least for me. I'm totally on board with using a few techniques to minimize panic when markets crater. It's about creating space so irrationality doesn't take over. Kahnema...
by goingup
Thu Jun 28, 2018 5:42 pm
Forum: Investing - Theory, News & General
Topic: "homemade dividends" from Total Stock Market fund
Replies: 135
Views: 8696

Re: "homemade dividends" from Total Stock Market fund

Two points: 1. Taking out a dividend when the market is down has the same effect as selling shares when the market is down. I have to admit that this point has me stumped. Taking a dividend in cash is the same as withdrawing from a fund, but it's not the same as selling shares. Doesn't matter if th...
by goingup
Wed Jun 27, 2018 5:50 pm
Forum: Personal Finance (Not Investing)
Topic: Is this correct? 5-6 Days Sell VTEB to Checking Account
Replies: 21
Views: 1674

Re: Is this correct? 5-6 Days Sell VTEB to Checking Account

hudson- I saw your post earlier and tried to find an answer. No luck. I don't use ETFs and I could not find the answer on the Vanguard site or elsewhere. For Vanguard mutual funds at Vanguard, I can sell and the money will be available in my checking account in T+2 days. That is, the transaction dat...
by goingup
Wed Jun 27, 2018 2:09 pm
Forum: Investing - Help with Personal Investments
Topic: Midlife investing crisis? At a crossroads; need book advice.
Replies: 29
Views: 2359

Re: Midlife investing crisis? At a crossroads; need book advice.

Pajamas wrote:
Wed Jun 27, 2018 12:06 pm
Except for that accidental rental property, seems like you are doing everything right.
You've derailed this entire thread with this odd remark.

A paid off rental property isn't a bad way to diversify one's assets. OP--You might consider buying another. :beer
by goingup
Tue Jun 26, 2018 8:52 am
Forum: Investing - Help with Personal Investments
Topic: Can I TLH QQQ and pick up VTI, IVV, VOO...
Replies: 26
Views: 1794

Re: Can I TLH QQQ and pick up VTI, IVV, VOO...

VXUS to QQQ to VTI/IVV/VOO? The trades you're describing are not tax-loss harvesting. It sounds like you need to brush up on asset allocation before even thinking about that. I understand TLH as taking a loss on an investment that goes down from your initial purchase price, for a total of $3K per y...
by goingup
Mon Jun 25, 2018 1:55 pm
Forum: Investing - Help with Personal Investments
Topic: VTI -> VTSAX
Replies: 15
Views: 1575

Re: VTI -> VTSAX

Why did you buy the ETF in the first place rather than the mutual fund? Does that reason still exist? I bought it when I thought I wouldn't mind manually submitting my orders every month. Manual submission is causing me to defer buying when I otherwise wouldn't, if it was automated. My tendency of ...
by goingup
Mon Jun 25, 2018 9:09 am
Forum: Investing - Help with Personal Investments
Topic: Feeback on portfolio
Replies: 7
Views: 927

Re: Feeback on portfolio

Your savings rate is excellent. You've got plenty of equity exposure so you should be fine by age 60. My feedback on your portfolio is that trying to keep many precise slices in balance across 5 or more accounts will grow tiresome. Behavioral issues can plague investors who veer far from more mainst...
by goingup
Sun Jun 24, 2018 9:16 am
Forum: Personal Finance (Not Investing)
Topic: Compliments for Vanguard?
Replies: 40
Views: 3131

Re: Compliments for Vanguard?

We're longtime customers, or as Mr. Potatohead said on another thread: sycophantic devotees of the cult. :D I've never had a problem with them and have always been grateful for their low-cost leadership in the industry, as well as their stewardship of our money. I recognize some posters have had uns...
by goingup
Thu Jun 21, 2018 7:45 pm
Forum: Investing - Help with Personal Investments
Topic: Considering adding VWALX; pros-cons
Replies: 14
Views: 1549

Re: Considering adding VWALX; pros-cons

underwood- Not an expert on this, but these are longer term and lower credit quality bonds. Hence Vanguard's risk rating of a 3 rather than the 2 for Intermediate Term Tax Exempt. If you want to juice monthly returns it's perfectly reasonable to add a slice, recognizing that the NAV will fluctuate m...
by goingup
Thu Jun 21, 2018 4:17 pm
Forum: Investing - Help with Personal Investments
Topic: is Ed Jones always bad news?
Replies: 29
Views: 3411

Re: is Ed Jones always bad news?

I've seen mostly reasonable portfolios posted here from EJ. Lots of American Funds. The problem for us DIY'ers is the advisory fees, fund fees and loads. This could add up to 2%. When you've planned to take 4% (or less) of your portfolio as a safe withdrawal rate in retirement, giving 2% to EJ seems...
by goingup
Thu Jun 21, 2018 10:53 am
Forum: Investing - Theory, News & General
Topic: Does an IPS really need to be 5 pages long to be valuable?
Replies: 64
Views: 3401

Re: Does an IPS really need to be 5 pages long to be valuable?

I keep mine as a Note in my iPhone. It would fit on a 3x5 card . Morningstar's Christine Benz wrote a piece advocating this. http://cawidgets.morningstar.ca/ArticleTemplate/ArticleGL.aspx?culture=en-CA&id=843104 I hand wrote my last IPS in 2010 and it has 5 lines and fits on a 1/2 sheet of paper.
by goingup
Thu Jun 21, 2018 8:22 am
Forum: Personal Consumer Issues
Topic: Buy new truck before retiring?
Replies: 53
Views: 2901

Re: Buy new truck before retiring?

Maybe the OP is thinking of buying the truck pre-retirement in order to more easily finance the truck. Easier to qualify for a loan with a paycheck. The 2015 truck is not paid off yet.
by goingup
Wed Jun 20, 2018 5:53 pm
Forum: Investing - Theory, News & General
Topic: The Current Market
Replies: 22
Views: 1823

Re: The Current Market

I didn't watch near as closely then as I do now.... That's the key! If you rarely pay attention you don't see the ups and downs. In fact, the difference in the Dow from Jan 2nd through today is less than 1%. It's down about .6%, which I'd say is nearly flat. There's a case to made for inattention. ...
by goingup
Wed Jun 20, 2018 10:02 am
Forum: Forum Issues and Administration
Topic: Is there a way to block someone?
Replies: 22
Views: 3132

Re: Is there a way to block someone?

Sandtrap wrote:
Tue Jun 19, 2018 11:59 pm
Eggads!
I hope I'm not this fellow. :shock:
^You might be! :oops:
by goingup
Wed Jun 20, 2018 9:08 am
Forum: Investing - Help with Personal Investments
Topic: Struggling - Seeking Advice to Get On Track
Replies: 93
Views: 5745

Re: Struggling - Seeking Advice to Get On Track

investjack019- Folks here don't like EJ because we are DIY'ers and think they are expensive. However, if you find value in their services and the advisor will compel you to save more and stay on track you may want to stay put for the time being. The big issue is you should try to save more in your 4...
by goingup
Mon Jun 18, 2018 11:44 am
Forum: Investing - Help with Personal Investments
Topic: Northwestern Mutual Advisory Portfolios
Replies: 23
Views: 1051

Re: Northwestern Mutual Advisory Portfolios

The main trick used is that the mutual funds are cherry picked. The firm actually did not have the exact basket of funds that would have afforded them the outsized returns. But if they had owned them, real time, boy howdy it would have been spectacular! I don't know how a potential client can suss o...
by goingup
Mon Jun 18, 2018 10:45 am
Forum: Investing - Theory, News & General
Topic: Bill Bernstein's 8:4:5:3 ratio
Replies: 21
Views: 2791

Re: Bill Bernstein's 8:4:5:3 ratio

Remember that Four Pillars is one of Bill's older works. "If You Can" suggests a simpler portfolio. I am currently reading "Investor's Manifesto", published after the 2007-2009 downturn. It will be interesting to see what he recommends at that moment in time. He recommended most investors should ha...
by goingup
Sun Jun 17, 2018 9:22 am
Forum: Investing - Help with Personal Investments
Topic: When is the June ex-dividend date for VTSAX
Replies: 29
Views: 2656

Re: When is the June ex-dividend date for VTSAX

All true points. I don’t think I’m market timing, but rather timing so that I don’t get a guaranteed fee. It’s only a 7.5k investment so I think the tax cost would be small potatoes in the grand scheme of things. But it’s a guaranteed tax cost vs possible market rally over 2 days. This is a rough a...
by goingup
Sun Jun 17, 2018 8:35 am
Forum: Investing - Help with Personal Investments
Topic: When is the June ex-dividend date for VTSAX
Replies: 29
Views: 2656

Re: When is the June ex-dividend date for VTSAX

It’s just an automated investment timed for every paycheck. I’m in the 35% federal bracket + 9+% state so my marginal ends up being close to 45%. I’d just be delaying the timed investment by a day or two. Just trying to understand if 20 or 21st is the earliest to make the buy order for the mutual f...
by goingup
Fri Jun 15, 2018 10:10 am
Forum: Investing - Theory, News & General
Topic: Which boglehead rule do you break--and are ok with
Replies: 152
Views: 11896

Re: Which boglehead rule do you break--and are ok with

I like to think I've gotten the big things right. Save a lot. Use (mostly) broad index funds. Don't tinker. Don't panic. My behavioral foibles are not tucking all bonds into 401Ks and IRAs. I use blended funds in tax-deferred like Wellington and American Balanced fund. And use muni's in taxable. We ...
by goingup
Thu Jun 14, 2018 12:11 pm
Forum: Personal Finance (Not Investing)
Topic: I was rear ended and the other guy wants a payout!
Replies: 109
Views: 9624

Re: I was rear ended and the other guy wants a payout!

Just got off the phone with my insurance company, they told me I should go ahead and file a claim for the repair with the other insurance company as well. So...... not sure what to think now...... What type of insurance do you have that you have to file your own claims with the other insurance comp...
by goingup
Thu Jun 14, 2018 8:53 am
Forum: Investing - Help with Personal Investments
Topic: Any problem opening fund "Investor", then building to "Admiral"?
Replies: 25
Views: 1688

Re: Any problem opening fund "Investor", then building to "Admiral"?

If in a retirement account, you could purchase the equivalent ETF (which should have the same ER as Admiral shares) and then sell and buy into the fund once you reach 10k. The cost difference is so tiny it seems unnecessary to start with ETFs then transition to Admiral shares. For a $3,000 holding ...
by goingup
Wed Jun 13, 2018 8:59 am
Forum: Personal Consumer Issues
Topic: Anyone with a paid off house drop homeowners insurance
Replies: 79
Views: 5932

Re: Anyone with a paid off house drop homeowners insurance

We have very high deductibles on home insurance. For our Seattle area home the deductible is 2% ($8K) through USAA. Raise your deductible to partially "self-insure" without being liable for the whole disaster. :beer
by goingup
Tue Jun 12, 2018 10:34 am
Forum: Personal Finance (Not Investing)
Topic: Shifting money for house from stock funds
Replies: 12
Views: 928

Re: Shifting money for house from stock funds

How much of the $500K is needed for the downpayment? If that time frame is a true 7 years I personally would leave it as is. Why not also start saving in a muni bond fund, too? Either short or intermediate term. We kept our taxable funds as is until about 3 months before the payment was needed. Used...
by goingup
Tue Jun 12, 2018 8:42 am
Forum: Personal Finance (Not Investing)
Topic: Recommendation for High Deductible Health Care Plan - Ages 61/56
Replies: 17
Views: 1280

Re: Recommendation for High Deductible Health Care Plan - Ages 61/56

I'm on an individual plan through Kaiser Permanente that's $480/mo. It's not ACA. It's a Silver plan, though next year I'll buy the Silver Flex. High deductible and I pay for all doc visits except Wellness exams. I'm 57.
by goingup
Mon Jun 11, 2018 4:31 pm
Forum: Investing - Help with Personal Investments
Topic: How to convince my co-worker to invest more?
Replies: 47
Views: 3418

Re: How to convince my co-worker to invest more?

I think telling your co-workers to forego the 401K is poor advice. A 401K is an automated payroll deduction. It's usually completely painless and the most effortless way to accrue wealth that I know of. If you think most 26 year olds have the sustained attention span it takes to open and fund a Rot...
by goingup
Mon Jun 11, 2018 2:08 pm
Forum: Investing - Help with Personal Investments
Topic: How to convince my co-worker to invest more?
Replies: 47
Views: 3418

Re: How to convince my co-worker to invest more?

I always tell people on my team at work to do an IRA before our 401k because of the limited 401k options we have and the 1.6% expense ratios (we get no company match). I think telling your co-workers to forego the 401K is poor advice. A 401K is an automated payroll deduction. It's usually completel...