Search found 97 matches

by RetirementClass2021
Wed Mar 29, 2023 3:11 pm
Forum: Personal Investments
Topic: Deciding on a "set and forget" Fidelity fund. FNILX vs FXAIX
Replies: 11
Views: 4056

Re: Deciding on a "set and forget" Fidelity fund. FNILX vs FXAIX

+1 for FSKAX. Why not own 3900 companies instead of just 500.

Diversification is king.
by RetirementClass2021
Wed Mar 29, 2023 10:00 am
Forum: Personal Finance (Not Investing)
Topic: 1 Book for New College Grad? Young opinions needed
Replies: 33
Views: 1615

Re: 1 Book for New College Grad? Young opinions needed

"The Clash of the Cultures: Investment vs. Speculation" - John C. Bogle
by RetirementClass2021
Mon Feb 20, 2023 11:59 am
Forum: Personal Investments
Topic: BND and BNDX - what proportion?
Replies: 5
Views: 506

Re: BND and BNDX - what proportion?

20% of my retirement portfolio is international.

Equity (60%) 12% VXUS-Vanguard Total International Stock ETF
Fixed Income (40%) 8% BNDX-Vanguard Total International Bond ETF
by RetirementClass2021
Sat Feb 18, 2023 8:37 am
Forum: Personal Investments
Topic: Available 401k Stocks/Bond. Which to choose?
Replies: 9
Views: 622

Re: Available 401k Stocks/Bond. Which to choose?

The following are the options for my significant other's 401K. All Target Funds were removed. Would like a 70% in stock and 30% in Bonds. Neither the 70% nor the 30% have to be in just 1. It can be divided between 2-3 if need be. Also, the 70% should be in the one with the highest potential return even if it is higher risk. Would prefer to avoid any World/Foreign options too. Any recommendations? Sorry, I tried formatting the following but when submitting my changes, it all gets screwed up and makes it hard to read. Name-----------------------------------Inception Date---------------------------------------Gross Expense Ratio** LIFECYCLE FUNDS DODGE & COX INT SK X (DOXFX)------05/01/2001--------Stock Investments-------------- 0.57% DOD...
by RetirementClass2021
Mon Feb 13, 2023 10:12 am
Forum: Personal Finance (Not Investing)
Topic: How are you addressing or mitigating financial risks in retirement?
Replies: 66
Views: 6125

Re: How are you addressing or mitigating financial risks in retirement?

I've been thinking about how to create a robust financial plan for retirement that addresses the major financial risks. I've been thinking of financial risks as falling into three categories: Market risk: risk that real market returns will be less than expected Expense risk: risk of unforeseen expenses (spending shocks related to medical, kids, house, etc.) Longevity risk: risk of living longer than anticipated For those who are in retirement or contemplating retirement, which risks have you most concerned and why? How does your financial plan for retirement address or mitigate each of these? Any other categories of risk you are worried about in retirement? Very simple Bogleheads Investment Philosophy Prepare to invest Live below your mean...
by RetirementClass2021
Thu Feb 09, 2023 4:34 pm
Forum: Personal Investments
Topic: What % cash in portfolio?
Replies: 144
Views: 14095

Re: What % cash in portfolio?

Around $2,000 in case family or friends need to borrow a few dollars.
by RetirementClass2021
Wed Feb 01, 2023 3:17 pm
Forum: Personal Investments
Topic: 401k vs IRA contribution question
Replies: 3
Views: 264

Re: 401k vs IRA contribution question

Because of the low-quality of funds (High ERs) available in your 401k I would suggest you contribute only the amount to get the 5% match and then open a Roth and max that out.

Hopefully some day you will have access to a higher quality 401k plan with low-cost fund options.

Good luck.
by RetirementClass2021
Mon Jan 30, 2023 12:26 pm
Forum: Personal Finance (Not Investing)
Topic: How much do you keep in checking?
Replies: 309
Views: 25514

Re: How much do you keep in checking?

$200 after monthly expenses are paid.
by RetirementClass2021
Mon Jan 30, 2023 9:50 am
Forum: Personal Investments
Topic: Seeking portfolio advice for new retiree
Replies: 25
Views: 1994

Re: Seeking portfolio advice for new retiree

@retirementclass2021 3. This is my first year since I retired in 2021 that I started withdrawing from my portfolio. I use a Total Return withdraw with DRIP system. There are a few conversations regarding bucket vs total return. Regarding frequency, I was on two calls this past fall with Colleen Jaconetti (Senior Analysist @ Vanguard) and she suggested a monthly withdraw strategy. She also suggested a 5% target rebalancing strategy. Could you explain what you mean by 5% target rebalancing strategy or point somewhere for more info? Thanks! Rebalancing target means you rebalance when your desired allocations moves -/+ at a set percentage which in my case is 5%. Example, a 60/40 portfolio would be rebalanced when it shifts to either 65/35 or 5...
by RetirementClass2021
Sun Jan 29, 2023 5:20 pm
Forum: Personal Investments
Topic: Seeking portfolio advice for new retiree
Replies: 25
Views: 1994

Re: Seeking portfolio advice for new retiree

Emergency funds: $70,000 cash Debt: $22,000 remaining on mortgage at 3% interest Married Filing Jointly Tax Rate: 12% Federal, 5% State State of residence: Massachusetts Age: me 65, husband 64 Desired Asset allocation: 60% stocks / 40% bonds Desired International allocation: 5% of stocks Approximate size of total portfolio: 1.1M His Rollover IRA at American Funds: 1.3% American High-Income Trust (AHITX) ER 0.69% 5.5% Capital Income Builder (CAIBX) ER 0.59 5.2% Intermediate Bond Fund of America(AIBAX) ER 0.63% 8.4% The Investment Company of America (AIVSX) ER 0.57% 6.7% New Perspective Fund (ANWPX) ER 0.72% 2.2% SMALLCAP World Fund (SMCWX) ER 1.01% Note: Each of the above show additional expenses beyond ER Her 401K through Fidelity: 26% Lar...
by RetirementClass2021
Sat Jan 28, 2023 12:00 pm
Forum: Investing - Theory, News & General
Topic: How do you choose which Lazy 3 is good for you?
Replies: 12
Views: 1463

Re: How do you choose which Lazy 3 is good for you?

The 3 fund portfolio does not discriminate. It is good for everyone. The contents consist of:

*Total U.S. Stock Market index MF/ETF
*Total International Stock Market Index MF/ETF
*Total U.S. Bond Market Index MF/ETF

Allocation of this portfolio is where everyone differs depending on your risk tolerance. The big three Investment brokerages (Fidelity, Vanguard and Schwab) provide access to the types of funds mentioned above.

What is great about the 3 fund strategy is whether you are in the accumulation or decumulation stage of your life this strategy and funds will serve you well.

What ever allocation you chose the most important key to its success is Stay the course.
by RetirementClass2021
Wed Jan 25, 2023 4:21 pm
Forum: Personal Investments
Topic: 401K fund choice
Replies: 4
Views: 290

Re: 401K fund choice

+1 with the_wiki's post.

The low-cost of VINIX is going to outperform the DODGX fund in the next 36-41 years (estimated time of your son's retirement).

Jack Bogle's Rule 6 for Investment Success: Minimize the Croupier’s Take
by RetirementClass2021
Tue Jan 24, 2023 8:16 pm
Forum: Personal Investments
Topic: Unsure of my Roth IRA
Replies: 12
Views: 1750

Re: Unsure of my Roth IRA

mamani wrote: Tue Jan 24, 2023 7:38 pm My dad started me on a Roth IRA with Dodge & Cox, and I've been contributing to it for over 15 years now. Recently, I've begun doing more research on investing with low cost index funds. I currently have Roth IRA investments in DODGX/stock, DODFX/international, DODBX/balanced, and DODIX/income funds. They have all been good investments, but the expense ratios are .51%, .62%, .51%, and .41%. Based on what I've read, having low expense ratios and turn-over, should I / can I switch to a new investment company for my Roth IRA?
If you want to move your Roth to Fidelity, Vanguard or Schwab give one of them a call and they will walk you through the transfer procedure. You then can convert you present funds into funds of your choice.
by RetirementClass2021
Tue Jan 24, 2023 8:07 pm
Forum: Personal Investments
Topic: Merrill, Morgan, Fidelity v Vanguard
Replies: 27
Views: 2615

Re: Merrill, Morgan, Fidelity v Vanguard

The best solution is option 4-DIY with no adviser pulling doen returns by charging fees. 2-4 index funds and be done with it. Could you please give me an example of 2,3,4 fund portfolio? Like I said, I’m still learning and have some ideas, but I want to make sure I’m on the right track. Diversified low-cost portfolio consisting of passive (Non-actively managed) index mutual funds or ETF funds: 2 Fund Total Stock Market Fund - Includes U.S. and Non-U.S. investments Total Bond Market Fund - Includes U.S. and Non-U.S. investments 3 Fund Total U.S. Market Fund Total Intl Market Fund Total U.S. Bond Fund 4 Fund Total U.S. Market Fund Total Intl Market Fund Total U.S. Bond Fund Total Intl Bond Fund Fidelity, Vanguard and Schwab have these funds ...
by RetirementClass2021
Tue Jan 24, 2023 3:56 pm
Forum: Personal Finance (Not Investing)
Topic: Worst Financial Fears
Replies: 23
Views: 2427

Re: Worst Financial Fears

That the brokerage firm that holds my retirement portfolio would go under and all my money
would be gone. They are still in business :sharebeer.
by RetirementClass2021
Tue Jan 24, 2023 10:06 am
Forum: Personal Investments
Topic: 401K Portfolio Allocation Critique
Replies: 18
Views: 1097

Re: 401K Portfolio Allocation Critique

outlierZ wrote: Mon Jan 23, 2023 7:37 pm
RetirementClass2021 wrote: Sun Jan 22, 2023 8:47 pm For a diversified low-cost "Total Stock Market" equity portfolio I would chose:

Fid 500 Index 68%
Fid Mid Cap Idx 8%
Fid SM Cap Idx 4%
Fid Intl Index 20%

I noticed you do not have bond options. Something to re-visit when you reach your 50s (within 10-15 years of retirement)

Good luck.
Thank you! What's the rationale of putting 8% to Mid and 4% to Small cap fund - to gain less volatility in the portfolio?
Adding the the Fid Mid Cap and Fid Small Cap funds to the Fid 500 fund creates a "U.S. Total Market All-Cap" exposure. Your 100% (80% U.S./20% Intl) equity portfolio breaks down as follows:

80% U.S.
68% (85% Large Cap)
8% (10% Mid Cap)
4% (5% Small Cap)

20% Intl
20% (100% All Cap)
by RetirementClass2021
Mon Jan 23, 2023 4:04 pm
Forum: Investing - Theory, News & General
Topic: VTI vs VOO [does size of dividend matter?]
Replies: 8
Views: 1252

Re: VTI vs VOO [does size of dividend matter?]

VTI holdings: 3995 companies
VOO holdings: 509 companies

VTI wins out
by RetirementClass2021
Mon Jan 23, 2023 12:23 pm
Forum: Personal Investments
Topic: Building my Portfolio New
Replies: 8
Views: 1032

Re: Building my Portfolio New

If you have access to a 401k plan with your employer you should be contributing to that. I would recommend investing in the low-cost index funds in that plan. If available:

*Total U.S. Stock Market fund
*Total Intl Stock Market fund
*Total U.S. Bond market fund

Allocation of these funds should depend on your time line to retirement. Being 49 and lets say your goal is to retire at 65 then I would suggest a 56%/14%/30% allocation of the fund types I mentioned above.

The amount to contribute every pay period to your 401k plan should be the max amount you could while still being able to meet your family budget needs comfortably without ever having to reduce your 401k plan contribution limit.

Good luck.
by RetirementClass2021
Mon Jan 23, 2023 10:21 am
Forum: Personal Finance (Not Investing)
Topic: New California Middle Class Tax Refund
Replies: 266
Views: 30496

Re: New California Middle Class Tax Refund

FYI for those who requested a check. It took 50 days to receive.

Requested on line on 11/28. Received on 01/17.
by RetirementClass2021
Sun Jan 22, 2023 8:47 pm
Forum: Personal Investments
Topic: 401K Portfolio Allocation Critique
Replies: 18
Views: 1097

Re: 401K Portfolio Allocation Critique

For a diversified low-cost "Total Stock Market" equity portfolio I would chose:

Fid 500 Index 68%
Fid Mid Cap Idx 8%
Fid SM Cap Idx 4%
Fid Intl Index 20%

I noticed you do not have bond options. Something to re-visit when you reach your 50s (within 10-15 years of retirement)

Good luck.
by RetirementClass2021
Sun Jan 22, 2023 4:45 pm
Forum: Personal Investments
Topic: Rebalancing to Embrace the Boglehead Way
Replies: 5
Views: 583

Re: Rebalancing to Embrace the Boglehead Way

Hi All, I am in my mid-20s and recently discovered this forum. I would like to embrace the Boglehead way going forward as I no longer have the time to actively manage my portfolio and also do not want to get eaten alive by actively managed fund expense ratios. However, I am a bit torn on how/when to rebalance my investment accounts. The general goal is to automate my investments going forward to low-cost indexes that closely mimics the Boglehead diversification strategy. Two questions: 1. What funds would you recommend in each of the accounts and the ideal % allocations? 2. Should I be selling and buying the new allocation in a big rebalancing effort, or slowly trying to get close by redirecting new investments over time? I would appreciat...
by RetirementClass2021
Tue Jan 17, 2023 6:40 pm
Forum: Personal Investments
Topic: Financial Advisor 0.3% fee
Replies: 23
Views: 2675

Re: Financial Advisor 0.3% fee

I plan to retire in two years and want to simplify my IRA and employer 401k portfolio. According to Bogleheads, a portfolio of 3-4 Vanguard index funds provides me all the diversity I need. If (1) I am comfortable with allocation and rebalancing annually, (2) a tax advisor advises me on withdrawal rates and Roth backdoor conversions, and (3) I will self-fund my long-term care, what is left for a Vanguard or Fidelity financial advisor to do to earn a 0.3% fee? Nothing. If the 3-4 index funds you are referring to are Total U.S. Stock Market, Total International Stock Market, Total U.S. Bond and Total International Bond Market then you would be well-diversified in a low-cost portfolio. There is not a FA that could do anything better for you a...
by RetirementClass2021
Fri Jan 13, 2023 6:33 pm
Forum: Investing - Theory, News & General
Topic: Where do you go for good writing on investing?
Replies: 21
Views: 1993

Re: Where do you go for good writing on investing?

The Clash Of The Cultures Investment vs. Speculation - Chapter 9-Ten Simple Rules For Investors And A Warning For Speculators

https://johncbogle.com/wordpress/wp-con ... 05/c09.pdf

You are so very welcome.
by RetirementClass2021
Fri Jan 13, 2023 10:04 am
Forum: Investing - Theory, News & General
Topic: Retirees, how do you classify your portfolio?
Replies: 32
Views: 3136

Re: Retirees, how do you classify your portfolio?

I consider my 60/40 portfolio as Moderate Growth.
by RetirementClass2021
Mon Jan 09, 2023 4:20 pm
Forum: Personal Investments
Topic: Retirement Options/Plan
Replies: 7
Views: 1045

Re: Retirement Options/Plan

My Plan: - Move the Traditional and Simple into the new 401k target date fund. - Create a Roth account at Fidelity, move the Roth over there. - At fidelity do a simple 3 fund of FSKAX, FTIHX, FXNAX. - I plan to try and max the Roth out. Questions: - Given my options, is the plan above a good plan? Yes it is. Simplicity is king. - I could use some advice on what percent to do for those funds, FSKAX - 40%, FTIHX - 20%, FXNAX - 40%? I don't mind having to do some rebalancing in the future. I am open to other funds to consider as well. I still have my vanguard account as well if I wanted to go with their funds. I did not invest in bond funds until I was 54 (5 years before I retired). With that being said I would invest in FXNAX now but at a ma...
by RetirementClass2021
Sun Jan 08, 2023 4:17 pm
Forum: Personal Investments
Topic: Retirement Options/Plan
Replies: 7
Views: 1045

Re: Retirement Options/Plan

My Plan: - Move the Traditional and Simple into the new 401k target date fund. - Create a Roth account at Fidelity, move the Roth over there. - At fidelity do a simple 3 fund of FSKAX, FTIHX, FXNAX. - I plan to try and max the Roth out. Questions: - Given my options, is the plan above a good plan? Yes it is. Simplicity is king. - I could use some advice on what percent to do for those funds, FSKAX - 40%, FTIHX - 20%, FXNAX - 40%? I don't mind having to do some rebalancing in the future. I am open to other funds to consider as well. I still have my vanguard account as well if I wanted to go with their funds. I did not invest in bond funds until I was 54 (5 years before I retired). With that being said I would invest in FXNAX now but at a max...
by RetirementClass2021
Sat Dec 31, 2022 1:57 pm
Forum: Investing - Theory, News & General
Topic: What are you up YTD? [Year To Date]
Replies: 4746
Views: 768497

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

In retirement 60/40 portfolio value dropped 13.05% in 2022.

Happy New Year to you all!!!
by RetirementClass2021
Sat Dec 31, 2022 1:16 pm
Forum: Personal Investments
Topic: did you beat the index in 2022?
Replies: 50
Views: 6141

Re: did you beat the index in 2022?

At midnight tonight I will have completed my first year of retirement. As of market close yesterday my 60/40 portfolio value dropped by 13.05%.

Happy New Year all!!!
by RetirementClass2021
Thu Dec 29, 2022 3:10 pm
Forum: Personal Investments
Topic: Withdrawal strategies
Replies: 8
Views: 734

Re: Withdrawal strategies

Monthly Total Return withdraw w/DRIP strategy coupled with a Target (5% +/-) Rebalancing strategy.

To control spending I draw for expenses only with a cash/checking account excess max of $200 at all times.
by RetirementClass2021
Wed Dec 28, 2022 5:00 pm
Forum: Personal Investments
Topic: Short-Term Treasury Bond ETF
Replies: 22
Views: 2933

Re: Short-Term Treasury Bond ETF

My favorites SGOV (0-1 month) .05% ER is nice - this is my money market substitute unless holding floating rate TFLO or USFR SHV (0-12 month) .15% ER OBIL (1 yr T bill) - new, would need to watch NAV vs. price and spreads to make sure you don't over pay with a market order .15% ER VGSH (1-3 yr treasuries) Never heard of treasury floating rate bonds before. Can you help me understand what are TFLO and USFR, and when/why would one use those over SGOV? 2 yr treasury floating rate notes. They trade at a spread to the 3 month T bill. They have outperformed SGOV by .3% over the past year and SHV by about 1% +1 for USFR. https://www.wisdomtree.com/investments/etfs/fixed-income/usfr. I have had it since January. 100% U.S. Treasury, 100% AAA Grade ...
by RetirementClass2021
Wed Dec 28, 2022 10:25 am
Forum: Personal Finance (Not Investing)
Topic: What are you doing differently in 2023?
Replies: 210
Views: 25834

Re: What are you doing differently in 2023?

2023 will be the first year after retiring in 2021 that I will begin drawing monthly from my portfolio.

I have decided to use a Total Return w/DRIP strategy coupled with a Target (5% +/-) Rebalancing strategy. To control spending I am going to draw for expenses only with a cash/checking account excess max of $200 at all times.

Happy New Year to all!
by RetirementClass2021
Sat Dec 24, 2022 8:01 pm
Forum: US Chapters
Topic: Happy Holidays!!!
Replies: 5
Views: 610

Re: Happy Holidays!!!

Merry Christmas :D
by RetirementClass2021
Fri Dec 23, 2022 4:24 pm
Forum: Investing - Theory, News & General
Topic: When to invest my rollover
Replies: 10
Views: 936

Re: When to invest my rollover

Unbrokenspark wrote: Fri Dec 23, 2022 2:30 pm I just rolled over my 401k to vanguard IRA’s. Should I wait to invest it till we see how 2023 plays out? Or just put it in?? Hmmmm
When the markets open again next Tuesday login to your IRA account and invest it all in your preferred allocation of low-cost diversified index funds. Make sure the allocation you choose is one you can stomach through market roller coaster rides without one thought of changing it.
by RetirementClass2021
Fri Dec 16, 2022 8:26 pm
Forum: Personal Finance (Not Investing)
Topic: How much do you keep in checking?
Replies: 309
Views: 25514

Re: How much do you keep in checking (2022)?

VictorStarr wrote: Fri Dec 16, 2022 6:35 pm
anon_investor wrote: Fri Dec 16, 2022 6:31 pm
VictorStarr wrote: Fri Dec 16, 2022 6:29 pm I use a Fidelity brokerage as my “checking account” and keep $5K - $20K in FZDXX MM yielding 4.10%. I transfer extra money to my investment account at Fidelity.

In my “real” checking accounts I keep low balances - $100 at BofA and $300 at Chase.
How did you get FZDXX with less then $100k?
A couple of years ago I bought FZDXX in my investment account and transferred FZDXX fund into other accounts (brokerage and CMA).
Did you buy FZDXX in an tIRA and then have it transferred into your CMA? If so, what were the steps you took to do this? Thanks!
by RetirementClass2021
Mon Dec 12, 2022 6:47 pm
Forum: Personal Investments
Topic: Why the 3 funds portfolio rather than 4 funds (why no Int'l bonds)
Replies: 25
Views: 2689

Re: Why the 3 funds portfolio rather than 4 funds (why no Int'l bonds)

Raspberry-503 wrote: Mon Dec 12, 2022 4:08 pm
I currently invest in INt's bonds (BNDX)
I also invested in BNDX. According to Portfolio Analyzer I am glad I did.
by RetirementClass2021
Mon Dec 12, 2022 11:54 am
Forum: Personal Finance (Not Investing)
Topic: Any early retirement stories you can share?
Replies: 128
Views: 22130

Re: Any early retirement stories you can share?

David Jay wrote: Mon Dec 12, 2022 11:37 am
RetirementClass2021 wrote: Sun Dec 11, 2022 5:20 pmRegarding Saturdays & Sundays, I have lost the concept of weekends.
I try to remember weekends so I don’t go grocery shopping on Friday night or Saturday. What a zoo.
Monday through Friday morning grocery shopping with no crowds rocks! Give it a try.
by RetirementClass2021
Mon Dec 12, 2022 9:54 am
Forum: Personal Investments
Topic: DRIP strategy in retirement
Replies: 17
Views: 1724

Re: DRIP strategy in retirement

I am using the Total Return drawdown strategy including DRIP.
by RetirementClass2021
Sun Dec 11, 2022 5:20 pm
Forum: Personal Finance (Not Investing)
Topic: Any early retirement stories you can share?
Replies: 128
Views: 22130

Re: Any early retirement stories you can share?

Retiring at 59 I did not realize that 90% of adults were not going to be available for conversation until
early evening and Saturdays & Sundays. Regarding Saturdays & Sundays, I have lost the concept of
weekends. At first it was an adjustment but after two/three months I became immune to it.

Other than the above, life it great. Enjoyable and relaxing.
by RetirementClass2021
Sat Dec 10, 2022 3:56 pm
Forum: Personal Finance (Not Investing)
Topic: Buying Fidelity MM Fund FZDXX In IRA And Transferring It to Fidelity Cash Management Account
Replies: 6
Views: 1010

Buying Fidelity MM Fund FZDXX In IRA And Transferring It to Fidelity Cash Management Account

Has anyone purchased the Fidelity MM Fund FZDXX in a Fidelity IRA ($10,000 min investment) and had it transferred to their Fidelity Cash Management account?

I would like FZDXX in my CMA but do not want to pull $100,000 from my IRA to purchase it. I am hoping to hear from someone who successfully processed this work around. Otherwise I will stay
with SPRXX.

Thanks!
by RetirementClass2021
Mon Dec 05, 2022 10:51 am
Forum: Personal Investments
Topic: Is the worst of the bear market behind us?
Replies: 76
Views: 11575

Re: Is the worst of the bear market behind us?

+1 No one knows.

Further, no one can tell you. If you are well diversified in a low cost portfolio then staying put is your best chance for a successful accumulation and drawdown financial life.

Stay the course.
by RetirementClass2021
Sun Nov 27, 2022 4:41 pm
Forum: Personal Consumer Issues
Topic: Average monthly Internet + TV bill
Replies: 100
Views: 8601

Re: Average monthly Internet + TV bill

$145.28
YouTube TV $64.99
Spectrum Internet $49.99
Verizon mobile $30.30
by RetirementClass2021
Sun Nov 27, 2022 3:36 pm
Forum: Personal Investments
Topic: Index Portfolio Allocation Question
Replies: 8
Views: 2096

Re: Index Portfolio Allocation Question

39 years old with an estimated 21-26 years before retirement?

Dump VSIAX and go all in with 80% VTSAX and 20% VTIAX and enjoy your working life.

When you get to about 10 to 5 years before your desired retirement age consider some Fixed Income.
by RetirementClass2021
Sun Nov 27, 2022 1:45 pm
Forum: Personal Consumer Issues
Topic: What are you listening to now
Replies: 3751
Views: 287512

Re: What are you listening to now

Tool's 2019 release - Fear Inoculum. "Invincible" is playing as I type.
by RetirementClass2021
Sun Nov 27, 2022 1:30 pm
Forum: Investing - Theory, News & General
Topic: What are you most thankful for in your investing career?
Replies: 78
Views: 6838

Re: What are you most thankful for in your investing career?

1. That I stayed the course over my investment accumulation life enabling me to retire at 59.
2. Discovering the genius and wisdom of John C. Bogle.
3. The Bogleheads.org family. An amazing group.
by RetirementClass2021
Fri Nov 25, 2022 11:44 am
Forum: Investing - Theory, News & General
Topic: What's your International play and why?
Replies: 77
Views: 6364

Re: What's your International play and why?

Genuinesarcasm wrote: Fri Nov 25, 2022 4:40 am I am trying to get some ideas on what stock allocation I give my international portion of the portfolio. I am also wondering if Total International is the best choice or whether I should add another fund as well.

What is your allocation of international and what specific fund do you use?

Thanks for the ideas

As a retiree I am 20% of equity in VXUS - Vanguard Total International ETF.
by RetirementClass2021
Sun Nov 20, 2022 8:55 am
Forum: Personal Investments
Topic: Fund Check - Fidelity Asset allocation
Replies: 6
Views: 638

Re: Fund Check - Fidelity Asset allocation

nomorework wrote: Sat Nov 19, 2022 10:43 am Currently have Roth IRA at fidelity

Desired AA 70/30

70% FFNOX
30% FXNAX

Is this boglehead approved?
John C. Bogle would approve :happy
FSKAX Fidelity® Total Market Index Fund - ER .015 56%
FSPSX Fidelity® International Index Fund - ER .035 14%
FXNAX Fidelity® U.S. Bond Index Fund - ER .025 30%
by RetirementClass2021
Thu Nov 17, 2022 12:17 pm
Forum: Personal Investments
Topic: Asset allocation question
Replies: 4
Views: 451

Re: Asset allocation question

It all depends on your tolerance comfort level during your remaining accumulation years.

I retired December 2021. 401k was invested in 100/0 through 2016 - 5 years before retirement.
In 2017 I went to 90/10, 2018 80/20, 2019 70/30 and 2020 60/40 through 12/31/21 retirement.
Now in my drawdown years I have decided on a 60/40 portfolio.

Only you will be able determine your own life stages tolerance comfort levels. Regarding investing your $200,000 former 401k I would say yes. With 10-15 years remaining there is a lot of money to be made. Total Bond Market? That is up to you. Again tolerance comfort level. If it were me, own the market.

Good luck .
by RetirementClass2021
Thu Nov 10, 2022 4:33 pm
Forum: Investing - Theory, News & General
Topic: Planning for Social Security after 2040
Replies: 114
Views: 8004

Re: Planning for Social Security after 2040

https://www.ssa.gov/oact/TR/2022/index.html See the 13th page of the June 2, 2022 OASDI Trustees Report (PDF). This will tell you the up to date payout reduction payout percentage. Thanks that document says 80% in 2035 declining to 74% in 2096. We each need to make our own choices on how we manage and mitigate risks, but I do not assume nothing will change and do not assume the status quo will persist for my time horizon (50 years). I don't think that is a very likely outcome. However, I don't know what it will change to so I have my retirement planning spreadsheet set up so I can vary inputs and see what the impact of various changes is on my personal situation. Most retirement planning tools allow some amount of adjustment on assumptions...
by RetirementClass2021
Thu Nov 10, 2022 12:59 pm
Forum: Investing - Theory, News & General
Topic: Planning for Social Security after 2040
Replies: 114
Views: 8004

Re: Planning for Social Security after 2040

You can consider what types of things have been done in the past. Past legislation is fact not future prediction: - Raise age of early retirement above 62, full retirement above 67, and delayed retirement above 70. Of course if you make those assumptions you might need to consider what happens if you are not able to work longer due to health issues. The very gradual change from full retirement age of 65 to 67 was passed in 1983. - Raise wage limit for SS taxes. This already is raised every year. It is going up by $13,200 from 2022 to 2023. It has been going up faster than my pay raises for many years. - Reduction of COLA. This happened for federal pensions when the switch was made from CSRS to FERS in 1986. Most retirement software allows ...