Search found 3535 matches

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: 62
Views: 2552

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: 814

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: 2209

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: 113
Views: 9320

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: 1661

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: 628

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: 4276

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: 3201

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: 11980

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: 4125

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: 637

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: 3533

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: 5658

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: 5658

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: 10219

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: 4475

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: 4475

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: 6576

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: 1504

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: 695

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: 768

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: 1044

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: 9471

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: 4976

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: 2003

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: 2146

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...
by goingup
Wed May 01, 2019 9:31 am
Forum: Investing - Theory, News & General
Topic: Target Date Funds doing it backwards?
Replies: 44
Views: 4861

Re: Target Date Funds doing it backwards?

I'm amused by some comments that they are appropriate "if you don't understand investing". The premise is that through education and knowledge one can come up with superior asset allocations. That kind of flies in the face of a passive investing philosophy. I agree. Target Funds are a smart choice ...
by goingup
Wed Apr 24, 2019 4:38 pm
Forum: Personal Investments
Topic: What to do? Sitting on the bench since October
Replies: 66
Views: 7302

Re: What to do? Sitting on the bench since October

The TR 2025 fund you were in is a 65/35 asset allocation. For 2018 it lost only 7.5% (and only 5% including dividends). In October when you sold, the bad decline hadn't even happened. If you've been an investor for 20 years you have seen much worse declines. What overtook you this time that made you...
by goingup
Wed Apr 24, 2019 2:33 pm
Forum: Forum Issues and Administration
Topic: Two pet peeves: Signatures and quoting pages of text
Replies: 20
Views: 1487

Re: Two pet peeves: Signatures and quoting pages of text

My pet peeve is people who flaunt forum rules by posting rants and waste the moderators time.
by goingup
Wed Apr 24, 2019 11:27 am
Forum: Personal Consumer Issues
Topic: Teeth Whitening
Replies: 35
Views: 3333

Re: Teeth Whitening

I don't know how stained your teeth are, but Crest White Strips work great. You can buy them anywhere and the time commitment is 30 minutes per use.
by goingup
Wed Apr 24, 2019 9:23 am
Forum: Investing - Theory, News & General
Topic: U.S. stocks continue to soar!
Replies: 966
Views: 96150

Re: "S&P 500 Index closes at record high"

How can a statement about the rewards of staying the course elicit some of these nutty replies? For Bogleheads, this is a central tenet of the whole philosophy. It certainly was Jack Bogle's clarion call. Thanks Taylor. It's been a good 20 years for us of staying invested and achieving the wealth ne...
by goingup
Wed Apr 24, 2019 8:22 am
Forum: Personal Finance (Not Investing)
Topic: travel budget in retirement
Replies: 47
Views: 3360

Re: travel budget in retirement

Not entirely sure as we're just now hitting retirement. Looks like 20-25% of annual spending.
by goingup
Sun Apr 21, 2019 9:53 am
Forum: Personal Finance (Not Investing)
Topic: Rethinking Asset Allocation
Replies: 10
Views: 760

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: 30
Views: 1687

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: 1263

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: 4417

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: 1699

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: 97
Views: 6673

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: 10190

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: 4826

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: 15692

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: 8497

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: 2329

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: 3771

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: 3771

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: 2329

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: 1857

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: 762

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: 701

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: 2077

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...