Search found 2700 matches

by goingup
Mon Oct 23, 2017 2:23 pm
Forum: Investing - Theory, News & General
Topic: Jason Zweig: Guard Against Complacency
Replies: 5
Views: 912

Re: Jason Zweig: Guard Against Complacency

Thanks for posting. Interesting interview, especially what he says about ETFs , which he calls "extremely tradable funds": " Think of nuclear power; you can light people's homes, you can cure cancer, or you can burn their homes down and cause cancer. ETFs are no different in that sense. Any signific...
by goingup
Mon Oct 23, 2017 12:13 pm
Forum: Investing - Theory, News & General
Topic: Emergency Fund Allocation Nuance
Replies: 8
Views: 458

Re: Emergency Fund Allocation Nuance

For example, if one says they have a 60/40 AA is their EF part of that 40 or not? It varies. As mentioned, often folks with larger portfolios, especially who have taxable accounts, don't separate an EF. I count our cash, ST bond, CDs as part of the 40 of the 60/40. It matters to me because I want t...
by goingup
Mon Oct 23, 2017 9:42 am
Forum: Investing - Help with Personal Investments
Topic: Automatic Monthly Schwab Distributions
Replies: 5
Views: 272

Re: Automatic Monthly Schwab Distributions

I'll just throw this out, but I don't know the answer. Is it the difference between using mutual vs ETFs? I know using automating purchases and withdrawals with funds is common. Is your Schwab account just ETFs?
by goingup
Mon Oct 23, 2017 9:33 am
Forum: Investing - Theory, News & General
Topic: using vanguard to manage assets
Replies: 6
Views: 639

Re: using vanguard to manage assets

I don't use PAS but wouldn't hesitate to do so if I needed help. For me it wouldn't be about performance, but rather turning over the portfolio keys and letting someone else drive. Probably because of cognitive concerns. Not for another 20+ years though. As it stands now, our very simple portfolio d...
by goingup
Sat Oct 21, 2017 11:25 am
Forum: Investing - Theory, News & General
Topic: Fellow TDA bogleheads [TDA dropping Vanguard ETFs from commission-free list]
Replies: 347
Views: 18801

Re: Fellow TDA bogleheads [TDA dropping Vanguard ETFs from commission-free list]

Nisiprius has described some of these bonus situations as akin to stealing the cheese from the mousetrap. Sometimes it works, and sometimes it doesn't work out so well. Sorry, but this is silly. No one is trapped anywhere. If you don't like the TDA deal, move somewhere where you to DO like the deal...
by goingup
Sat Oct 21, 2017 10:40 am
Forum: Investing - Theory, News & General
Topic: Fellow TDA bogleheads [TDA dropping Vanguard ETFs from commission-free list]
Replies: 347
Views: 18801

Re: Fellow TDA bogleheads [TDA dropping Vanguard ETFs from commission-free list]

Am I the only one that thinks this is kind of insidiously bad? I assume many folks migrated from Vanguard to TDA with their Vanguard ETFs to collect a bonus, and because it was free to buy/sell Vanguard ETFs there anyways. Now that's changed. You'll have to pay fees to buy/sell Vanguard ETFs, so ma...
by goingup
Sat Oct 21, 2017 10:20 am
Forum: Investing - Help with Personal Investments
Topic: Thinking of converting all my total us stock market funds to target date funds
Replies: 8
Views: 1237

Re: Thinking of converting all my total us stock market funds to target date funds

( I understand that the target date funds have an expense ratio added on top of the underlying funds they hold , but I think this might be worth it since it frees me from the day to day activity of these funds and I can just keep buying the same fund again.? Not correct. The ER of the Target fund i...
by goingup
Fri Oct 20, 2017 8:49 am
Forum: Personal Finance (Not Investing)
Topic: Income Taxes & the Gig Economy
Replies: 7
Views: 622

Re: Income Taxes & the Gig Economy

^ you may be correct. I shouldn't even weigh in because I know little about taxes. As someone with 7 nieces/nephews I can say that I stay out of tax advising.
Take the IRS questionnaire to determine if you should file: https://www.irs.gov/help/ita/do-i-need- ... tax-return
by goingup
Fri Oct 20, 2017 7:41 am
Forum: Personal Finance (Not Investing)
Topic: Income Taxes & the Gig Economy
Replies: 7
Views: 622

Re: Income Taxes & the Gig Economy

I wouldn't think she'd have to file a return. The threshold of income for 2016 was over $10K. You can google the IRS publications regarding this.
by goingup
Thu Oct 19, 2017 10:40 am
Forum: Investing - Theory, News & General
Topic: Fellow TDA bogleheads [TDA dropping Vanguard ETFs from commission-free list]
Replies: 347
Views: 18801

Re: Fellow TDA bogleheads [TDA dropping Vanguard ETFs from commission-free list]

Am I the only one that thinks this is kind of insidiously bad? I assume many folks migrated from Vanguard to TDA with their Vanguard ETFs to collect a bonus, and because it was free to buy/sell Vanguard ETFs there anyways. Now that's changed. You'll have to pay fees to buy/sell Vanguard ETFs, so man...
by goingup
Thu Oct 19, 2017 9:30 am
Forum: Investing - Theory, News & General
Topic: Regular Taxable Accounts vs Tax-Advantaged
Replies: 19
Views: 1819

Re: Regular Taxable Accounts vs Tax-Advantaged

I don't like complication. Keep things simple. *Contribute 15% of income to your 401K where you may get a match; you save automatically and the money grows tax-deferred. *Contribute after-tax dollars to a Roth--up to $5,500 per year. Those dollars grow tax-free. *Open a taxable account at a broker a...
by goingup
Mon Oct 16, 2017 8:56 am
Forum: Investing - Help with Personal Investments
Topic: My EJ portfolio vs my Vanguard, side by side
Replies: 27
Views: 3145

Re: My EJ portfolio vs my Vanguard, side by side

ERs were built into the historical analysis, and none of the funds in the EJ portfolio had loads. I guess to wrap up the thread, I know its not an apples to apples comparison because of the slightly different allocation, and the tax efficiency of the VG portfolio, but it's also not way off base. Bo...
by goingup
Thu Oct 12, 2017 6:55 pm
Forum: Investing - Theory, News & General
Topic: Rebalancing - Personal Philosophies
Replies: 43
Views: 3615

Re: Rebalancing - Personal Philosophies

Not to quibble, but I think when you TLH to reduce your equities, you are just "selling low". The magic of TLH is to harvest losses and purchase a similar asset. At least that's is how I do it. It's more common to "sell equities high" and buy bonds to get equity allocation lower. I'm missing someth...
by goingup
Thu Oct 12, 2017 6:18 pm
Forum: Personal Finance (Not Investing)
Topic: Mortgage Prepayment Question
Replies: 8
Views: 565

Re: Mortgage Prepayment Question

I pay the January payment in December and deduct that interest paid. I don't think you can pay beyond that. We also pay both property tax installments in the current year for the deduction. (This is possible if you don't escrow property tax.)
by goingup
Thu Oct 12, 2017 8:55 am
Forum: Investing - Theory, News & General
Topic: Rebalancing - Personal Philosophies
Replies: 43
Views: 3615

Re: Rebalancing - Personal Philosophies

Until recently, I rebalanced with new money. When I got close to FIRE, I started selling to move to a more conservative allocation. I sold a big chunk during the dip in 2016 and again this summer to get to 60/40. My new rule is to rebalance when I hit 6% bands. You locked in a loss during the dip? ...
by goingup
Thu Oct 12, 2017 8:42 am
Forum: Investing - Help with Personal Investments
Topic: admiral shares or investor shares?
Replies: 24
Views: 2946

Re: admiral shares or investor shares?

^Great advice to stay with TR fund. It's diversified and rebalances automatically.
by goingup
Wed Oct 11, 2017 3:07 pm
Forum: Investing - Help with Personal Investments
Topic: Annuity replacing SS shortfall?
Replies: 14
Views: 946

Re: Annuity replacing SS shortfall?

Are you asking if it's wise to purchase an annuity 17 years from now because you think SS will have a shortfall then?

That's definitely a cross-the-bridge-when-you-come-to-it kind of thing.
by goingup
Wed Oct 11, 2017 9:41 am
Forum: Personal Finance (Not Investing)
Topic: frequent trading
Replies: 7
Views: 729

Re: frequent trading

No waiting. Different brokerages.

I'm curious why you opened a Schwab account to hold a Vanguard fund. Was this a move to diversify institutions--risk mitigation?
by goingup
Wed Oct 11, 2017 9:04 am
Forum: Investing - Theory, News & General
Topic: Vanguard bond ETF/funds
Replies: 21
Views: 1203

Re: Vanguard bond ETF/funds

The Vanguard Total Bond Index fund is a well-regarded, intermediate term, low-cost bond fund.

As to whether mutual fund or ETF you can read about the pros and cons of each. https://www.bogleheads.org/wiki/ETFs_vs_mutual_funds
by goingup
Wed Oct 11, 2017 8:54 am
Forum: Investing - Help with Personal Investments
Topic: How to move a portfolio out of a traditional advisor service?
Replies: 18
Views: 1052

Re: How to move a portfolio out of a traditional advisor service?

In talking with Schwab, the options seemed greater and more flexible. I concur with thinking that Schwab will be nimble with a large complicated portfolio. I'd start there to explore options. A few observations. Firms like Ameriprise over-complicate portfolios making it very difficult to get untang...
by goingup
Tue Oct 10, 2017 9:16 am
Forum: Personal Finance (Not Investing)
Topic: What specific changes have you made post-Equifax?
Replies: 51
Views: 3741

Re: What specific changes have you made post-Equifax?

Nothing yet. This whole freeze thing at 3 credit agencies plus Innovis, etc goes against my quest to simplify, simplify, simplify. More accounts, more passwords, freeze-unfreeze, so fussy and frenetic.
by goingup
Tue Oct 10, 2017 8:36 am
Forum: Personal Consumer Issues
Topic: Moving Stroke Victim Out of State
Replies: 23
Views: 2025

Re: Moving Stroke Victim Out of State

What about the telephone? We currently have a landline because DW liked to talk to her friends when the power went out, but obviously that’s not a requirement any more. Are there inexpensive options that will allow us to drop the landline, but take our current phone number with us wherever we go? P...
by goingup
Tue Oct 10, 2017 8:25 am
Forum: Investing - Theory, News & General
Topic: 100% in bond to wait for market crash?
Replies: 122
Views: 11791

Re: 100% in bond to wait for market crash?

^Would you agree it's better for the OP to consider his options and act in moderate ways to pare back equities than do it in fog of war (metaphor, I hope)?
by goingup
Tue Oct 10, 2017 8:20 am
Forum: Investing - Help with Personal Investments
Topic: Protecting against the possibility of a correction?
Replies: 45
Views: 3973

Re: Protecting against the possibility of a correction?

Is anyone doing anything to protect against the possibility of a correction, apart, of course, from the standard Bogleheads stay the course, rebalance, etc? Meb Faber has an article out where he explains the use of a combination of monthly 5% out of the market put options on the market plus governm...
by goingup
Tue Oct 10, 2017 8:07 am
Forum: Investing - Theory, News & General
Topic: 100% in bond to wait for market crash?
Replies: 122
Views: 11791

Re: 100% in bond to wait for market crash?

I was thinking a crash like 30% or 40% ..What do you guys think if AA 50/50 and transfer all 50% bond to stock if there's a crash? I am 40 Nice in theory. When the market crashes 40% you may overcome by paralyzing fear. There were times in 2008 that felt like the entire financial & economic system ...
by goingup
Mon Oct 09, 2017 4:26 pm
Forum: Investing - Help with Personal Investments
Topic: Please define "cash"
Replies: 31
Views: 1995

Re: Please define "cash"

I'd say cash is MM funds, CDs and savings accounts. It isn't ST bonds, which are cash-like but not cash. I don't include checking because it's not part of my investable assets. No separate emergency fund because of a adequate taxable account.
by goingup
Mon Oct 09, 2017 4:14 pm
Forum: Personal Finance (Not Investing)
Topic: [Boglehead vs Mr Money Mustache philosophies]
Replies: 203
Views: 13817

Re: [Boglehead vs Mr Money Mustache philosophies]

BH philosophy is about investing: 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 (I have no id...
by goingup
Mon Oct 09, 2017 8:11 am
Forum: Investing - Help with Personal Investments
Topic: Selling gold jewelry
Replies: 17
Views: 1523

Re: Selling gold jewelry

Another Midwest Refineries recommendation here. Found out about it on this site. Mailed the mishmash of old jewelry, really having no idea of its worth. Got a $900 check back in 3 days with an accounting of the value and weight of each: 10, 14, and 18 carat gold.
by goingup
Sun Oct 08, 2017 10:40 am
Forum: Investing - Theory, News & General
Topic: The Stock Market Is "Fully Valued," Says Vanguard's Jack Bogle 10/7/17
Replies: 87
Views: 12187

Re: The Stock Market Is "Fully Valued," Says Vanguard's Jack Bogle 10/7/17

Thanks for the article. When Jack speaks, it's wise to pay attention. Not sure what is to be done rather than motor on with an AA that feels appropriate, however.
by goingup
Sun Oct 08, 2017 10:37 am
Forum: Personal Consumer Issues
Topic: Spouse gets blowouts? [Hair care]
Replies: 47
Views: 2279

Re: Spouse gets blowouts?

I spend on average $1.5k on mountaineering per year, some years zero some years more. We are often more keenly focused on our partner's spending habits than we are on our own. It could be you rationalize your own purchases while discounting hers. Could be the tools, garden equipment, performance ti...
by goingup
Sun Oct 08, 2017 10:24 am
Forum: Investing - Theory, News & General
Topic: VG wants everyone to transfer to a brokerage account?
Replies: 95
Views: 8714

Re: VG wants everyone to transfer to a brokerage account?

If I change to a brokerage account I'll have to become a different kind of investor. Right now I have automatic exchanges set up monthly and quarterly to purchase several funds, exchanging from MM. Automatic. No second guessing when or how much to buy. Dividends from one International fund go to ano...
by goingup
Sat Oct 07, 2017 10:32 am
Forum: Investing - Theory, News & General
Topic: Has your "risk tolerance" been tested?
Replies: 105
Views: 6528

Re: Has your "risk tolerance" been tested?

My wife and I both agreed that we should do absolutely nothing. And as I've said, the right description of 2008-2009 was not "we stayed the course" but "we froze like deer caught in the headlights." I think it was a quote from you that I jotted down during that time. "Be paralyzed when others are f...
by goingup
Sat Oct 07, 2017 10:26 am
Forum: Investing - Help with Personal Investments
Topic: Third time in my 32 year career I have been laid off
Replies: 87
Views: 10080

Re: Third time in my 32 year career I have been laid off

You are in fantastic shape to retire, if you choose. You have 2 paid off homes and a passive income stream of about $50K per year from dividends and rents. Work part-time if you like. It would be especially helpful to have a job that provided health care though that may be tough to find. :beer
by goingup
Sat Oct 07, 2017 9:14 am
Forum: Investing - Theory, News & General
Topic: Dividends vs. Capital Gains for Spending Needs?
Replies: 200
Views: 14844

Re: Dividends vs. Capital Gains for Spending Needs?

... Funny, I knew exactly what kingsnake meant but I have no idea what you're trying to convey. :oops: If he/she had said, "My 3-fund portfolio kicks out a lot of dividends which I'd like to use to fund my retirement someday," would that have been acceptable ? Hi goingup. Nothing kingsnake posted w...
by goingup
Fri Oct 06, 2017 6:21 pm
Forum: Investing - Theory, News & General
Topic: Dividends vs. Capital Gains for Spending Needs?
Replies: 200
Views: 14844

Re: Dividends vs. Capital Gains for Spending Needs?

The 3 fund portfolio still kicks out a lot of dividends....I'd like to have enough principle to live off dividends some day. We'll see. Hi kingsnake. My having posted, a short time ago, a suggestion that we can explain the difference between principal and capital whenever necessary, I'd like to giv...
by goingup
Fri Oct 06, 2017 9:47 am
Forum: Investing - Help with Personal Investments
Topic: Schwab Intelligent Portfolios vs. WiseBanyan
Replies: 31
Views: 2151

Re: Schwab Intelligent Portfolios vs. WiseBanyan

Just weighing in with an observation. Many "managed portfolio" refugees come to this board who wish to simplify their portfolio to 3-4 funds. It's very costly (in terms of taxes) to untangle from 20 funds in a taxable account. If you start down a path of complexity with a $800K taxable account you a...
by goingup
Fri Oct 06, 2017 9:27 am
Forum: Investing - Help with Personal Investments
Topic: Question RE: Transferring assets from EJ to Vanguard
Replies: 7
Views: 428

Re: Question RE: Transferring assets from EJ to Vanguard

Hi, new account but I've been lurking a bit on this forum and reading up on investing, and it's given me the confidence to finally move my assets from Edward Jones to Vanguard. I was looking to just simply put my IRA assets into a Target Retirement Fund. My question is, since I'm doing a transfer i...
by goingup
Thu Oct 05, 2017 11:18 am
Forum: Personal Consumer Issues
Topic: How do you value your time?
Replies: 97
Views: 3904

Re: How do you value your time?

I need help in how to value my time so I can find some common ground with my spouse. You're definitely not measuring the right metric. Start with trying to meet the preferences and needs of your partner. Perhaps you can drop her at the destination and go park the car yourself. Or figure out what is...
by goingup
Thu Oct 05, 2017 11:02 am
Forum: Investing - Help with Personal Investments
Topic: Help with In-Laws Request to Review their Portfolio from LPL Advisor
Replies: 8
Views: 789

Re: Help with In-Laws Request to Review their Portfolio from LPL Advisor

In the plus column, it looks like the advisor doesn't have them in 140 different funds, as we have seen in some portfolios. This portfolio is set up to provide income, through the annuities and REITs. Is this sufficient to meet their needs? Are the annuities set up to continue when one person passes...
by goingup
Wed Oct 04, 2017 4:07 pm
Forum: Investing - Theory, News & General
Topic: What counts in calculating portfolio withdrawals?
Replies: 10
Views: 612

Re: What counts in calculating portfolio withdrawals?

This is a very interesting question. I may learn something new here. I had thought that taking bond fund interest in cash would notbe considered a portfolio withdrawal. Taking stock fund dividends in cash is absolutely considered a withdrawal, however.
by goingup
Wed Oct 04, 2017 1:43 pm
Forum: Investing - Help with Personal Investments
Topic: How much should an 18 year old keep in bonds?
Replies: 28
Views: 1401

Re: How much should an 18 year old keep in bonds?

I don't consider myself enough of an expert to second guess a Target Fund composition. At your age I'd just use the TR fund and try to fully fund the IRA. If you have access to a 401K, a Target Fund would probably be a good choice there too. You are visiting a forum with a bunch of DIY'ers. Of cours...
by goingup
Wed Oct 04, 2017 9:34 am
Forum: Personal Finance (Not Investing)
Topic: Cash in a local bank or credit union
Replies: 54
Views: 3324

Re: Cash in a local bank or credit union

I use a big name brick and mortar bank which has a branch walking distance from our home for checking/savings. There's a permanent $2K in savings for emergencies, though I've never had one. The savings account is pretty redundant because there's always $5-10K in checking. I like having a one financi...
by goingup
Wed Oct 04, 2017 9:12 am
Forum: Investing - Theory, News & General
Topic: Does anyone hold cash?
Replies: 58
Views: 5589

Re: Does anyone hold cash?

My question is this. The article suggested a asset allocation for someone with with a horizon of 8-10 years to have 20% cash, 20% FIdelity limited term municipal bonds, 40% Fidelity Intermediate municipal income and 20% Vanguard total stock (VTSMX) This would be for a taxable account. Does the arti...
by goingup
Tue Oct 03, 2017 7:14 pm
Forum: Investing - Theory, News & General
Topic: Buy on Really Bad Days, Sell on Really Good Days?
Replies: 169
Views: 9263

Re: Buy on Really Bad Days, Sell on Really Good Days?

The Wizard wrote:
Tue Oct 03, 2017 7:06 pm
goingup wrote:
Tue Oct 03, 2017 6:59 pm
Haven't most days since March 2009 been good days?
Umm no, they haven't...
Well perhaps I overstate the case. Would suggesting that we have been in a long bull market offend anyone's sensibilities?
by goingup
Tue Oct 03, 2017 7:04 pm
Forum: Investing - Theory, News & General
Topic: Are distributions and capital gains very different quarter to quarter?
Replies: 14
Views: 611

Re: Are distributions and capital gains very different quarter to quarter?

Does it really matter much? Take last year's distribution and go +/- 10%. Will it make that much difference to you in your total income from this fund? I've held the fund for nearly 20 years and the best I can do is estimate. Distributions fluctuate and no one can tell you what the distribution will...
by goingup
Tue Oct 03, 2017 6:59 pm
Forum: Investing - Theory, News & General
Topic: Buy on Really Bad Days, Sell on Really Good Days?
Replies: 169
Views: 9263

Re: Buy on Really Bad Days, Sell on Really Good Days?

Haven't most days since March 2009 been good days? Sure, there have been some pullbacks and even a correction or 2 but basically a long march upward. I can't imagine lopping off a few weeks expenses. That would be tinkering non-pareil. :oops: In one of his book Dan Solin mentions that retirees withd...
by goingup
Tue Oct 03, 2017 6:55 pm
Forum: Investing - Theory, News & General
Topic: Are distributions and capital gains very different quarter to quarter?
Replies: 14
Views: 611

Re: Are distributions and capital gains very different quarter to quarter?

To my recollection December is always bigger, if not biggest. Check the distribution history for your fund to get an idea.
by goingup
Tue Oct 03, 2017 6:53 pm
Forum: Investing - Theory, News & General
Topic: What are you up YTD? [Year To Date]
Replies: 1551
Views: 273905

Re: What are you up YTD? [Year To Date]

stemikger wrote:
Tue Oct 03, 2017 5:58 pm
Personal rate of return from 11/01/2016 to 09/30/2017 is 14.01%
60/40 stock/bond all U.S. (Blackrock U.S. Debt Index Fund and the Vanguard Institutional index Fund).
Interesting time frame! :wink:
by goingup
Mon Oct 02, 2017 2:56 pm
Forum: Investing - Theory, News & General
Topic: So... What bond fund or bond-like instrument do you use?
Replies: 47
Views: 4138

Re: So... What bond fund or bond-like instrument do you use?

Bonds and cash are 40% of portfolio
Tax deferred:
Bonds in blended funds: 26%
Total Bond: 10%
Taxable:
Int. Tax Exempt: 35%
Ltd Term TE: 12%
MM and CD: 17%

I'm holding too much cash I know.