Search found 152 matches

by jvini
Wed Apr 01, 2020 3:22 pm
Forum: Personal Investments
Topic: Exchange Total bond for IT bonds?
Replies: 5
Views: 272

Re: Exchange Total bond for IT bonds?

I realized lately that my bond fund is really for defense. I'll rely on my equities to grow and my bond and fixed assets to make sure I preserve the capital those equities have earned. I mostly switched out of BND because of MBS and its corporate bonds and into iei, ief, a stable value fund and a CD...
by jvini
Tue Mar 31, 2020 12:30 pm
Forum: Personal Investments
Topic: Why buy treasuries when CD rates are so much better?
Replies: 42
Views: 4190

Re: Why buy treasuries when CD rates are so much better?

I own a CD, Stable Value fund and an intermediate treasury fund. The CD pays around 2% for a year, the Stable Value fund pays 2.2, the yield is low on the fund (IEF) but the treasury fund is up around 15% over the course of a year, while providing some good defense against this latest slide in stock...
by jvini
Mon Mar 23, 2020 7:10 pm
Forum: Personal Investments
Topic: One simple thing this 50 yo learned...
Replies: 61
Views: 9282

Re: One simple thing this 50 yo learned...

Anti-fragility in our personal finances is the foundation that allows us take greater risk in rough times when we will reap the highest rewards. To that end, we have no mortgage, no debt, and 5 years of living expenses in low risk assets in taxable accounts (short TIPS, MM...see sig). During the lo...
by jvini
Mon Mar 23, 2020 4:31 pm
Forum: Personal Investments
Topic: 100 percent stock investors: any of you adding bonds now?
Replies: 51
Views: 3296

Re: 100 percent stock investors: any of you adding bonds now?

Great answers. Wonder how many people here are under 40-50. I bet most or all.
by jvini
Sun Mar 22, 2020 1:00 pm
Forum: Investing - Theory, News & General
Topic: How often do you re-balance during these times?
Replies: 42
Views: 3422

Re: How often do you re-balance during these times?

Lookingforanswers wrote:
Sun Mar 15, 2020 11:33 am
JustinR wrote:
Sun Mar 15, 2020 2:28 am
Best practices for rebalancing based on a study Vanguard did:
Thanks for posting this - I think I read this in the past but re-reading it is really helpful.
Thank you. Makes me feel better about waiting until the end of the year which is my annual rebalance time.
by jvini
Sat Mar 21, 2020 7:34 pm
Forum: Personal Investments
Topic: This time it's different
Replies: 32
Views: 4248

Re: This time its different

This board is often helpful. The one thing I haven't done is sold equities. I haven't bought more, I haven't rebalanced, but at least I haven't sold. I guess that's something. I'm due to buy in April. I'm due to rebalance in December which is my once yearly rebalance. We'll see what happens. In the ...
by jvini
Sat Mar 21, 2020 5:10 pm
Forum: Personal Investments
Topic: This time it's different
Replies: 32
Views: 4248

Re: This time its different

I think this time is different. I did nothing through the Great Recession. Dollar cost averaged into equities despite feeling queasy month after month doing it. It paid off. I did the same during 2018. Both of those periods seemed fixable through monetary policy in some way. This doesn't. This is so...
by jvini
Sat Mar 21, 2020 1:17 pm
Forum: Personal Investments
Topic: Guys I Rebalanced (Moved Monies Out Of S&P 500)
Replies: 289
Views: 15695

Re: Guys I Rebalanced (Moved Monies Out Of S&P 500)

BigWave Dave wrote:
Sat Mar 21, 2020 12:36 pm
How will you know when to get back in.I lost over 500k im 59 I don't need the money for 4 or 5 yrs. Stay the course
+1.
by jvini
Fri Mar 20, 2020 4:57 pm
Forum: Personal Investments
Topic: Bond market jitters too
Replies: 1
Views: 292

Re: Bond market jitters too

I, along with a bunch of other people have had similar posts. Bonds have done a good job helping to lessen the losses but my Total Bond Fund (BND) has definitely kept me uneasy as it's had very large swings back and forth. On an up day, where I was back to about zero losses for the year, I sold half...
by jvini
Fri Mar 20, 2020 3:07 pm
Forum: Personal Investments
Topic: Lock loss or ride the wave with 15 years to go?
Replies: 62
Views: 4227

Re: Lock loss or ride the wave with 15 years to go?

theres like 5000 of these exact same threads each with a different title. It makes sense because this is very scary. I hope people find answers they are comfortable with. Frankly I disagree and think it makes little sense and leaves me shocked at how many people are now timing, jumping ship etc... ...
by jvini
Fri Mar 20, 2020 12:49 pm
Forum: Personal Investments
Topic: Lock loss or ride the wave with 15 years to go?
Replies: 62
Views: 4227

Re: Lock loss or ride the wave with 15 years to go?

F150HD wrote:
Fri Mar 20, 2020 11:31 am
theres like 5000 of these exact same threads each with a different title.
It makes sense because this is very scary. I hope people find answers they are comfortable with.
by jvini
Thu Mar 19, 2020 1:55 pm
Forum: Personal Investments
Topic: Time to sell Bond fund and buy a CD?
Replies: 2
Views: 383

Re: Time to sell Bond fund and buy a CD?

Hi All. Even bond funds seem to be sinking with equities. BND the Vanguard Total Bond Market Fund sunk about 2.5% today. Anyone selling their bond funds and putting the money into a CD or Money Market? To be honest, I'm selling about half my BND and putting it into a one year CD. I don't want to be...
by jvini
Wed Mar 18, 2020 4:17 pm
Forum: Personal Investments
Topic: Time to sell Bond fund and buy a CD?
Replies: 2
Views: 383

Time to sell Bond fund and buy a CD?

Hi All. Even bond funds seem to be sinking with equities. BND the Vanguard Total Bond Market Fund sunk about 2.5% today. Anyone selling their bond funds and putting the money into a CD or Money Market? To be honest, I'm selling about half my BND and putting it into a one year CD. I don't want to be ...
by jvini
Tue Mar 17, 2020 4:21 pm
Forum: Personal Investments
Topic: Time to sell bond fund (BND) and go to CD?
Replies: 0
Views: 207

Time to sell bond fund (BND) and go to CD?

Hi all, Bonds have been a great cushion in my 60/40 portfolio. While I've lost a bunch of money 'on paper' it could have been much worse had I not owned the Total Bond Fund (BND). Now that rates are zero and I've done some rebalancing, is it time to sell BND in my IRA and switch to a 1 year IRA CD t...
by jvini
Sun Mar 15, 2020 6:24 pm
Forum: Investing - Theory, News & General
Topic: How often do you re-balance during these times?
Replies: 42
Views: 3422

Re: How often do you re-balance during these times?

I don't pay attention to my balancing bands when both the U.S. and global markets are all taking a major dump. My fixed income may become higher than my allocated percentage, but I don't find that to be the least bit disconcerting. I rebalance out of equities into fixed income as a means for risk c...
by jvini
Sun Mar 15, 2020 6:16 pm
Forum: Personal Investments
Topic: When are you rebalancing?
Replies: 76
Views: 4493

Re: When are you rebalancing?

I'm going to rebalance with monthly dollar cost average allocation into equities, but if my allocation is off by 15% (a reallocation band) I will sell bonds and buy equities. At the rate things are going, I believe I will be doing this, hopefully only once until my normal end of the year rebalance.
by jvini
Sun Mar 15, 2020 5:50 pm
Forum: Personal Investments
Topic: Buying the dip: What will you (have you) pick(ed) up?
Replies: 32
Views: 2444

Re: Buying the dip: What will you (have you) pick(ed) up?

Ever heard the phrase 'catching a falling knife'? With what funds are you planning to 'buy the dip'? Why were they not invested before the downturn? Do you have an adequate EF? If I 'bought the dip' right now it would be because I'm rebalancing out of the bond portion of my allocation which is abou...
by jvini
Fri Mar 13, 2020 6:11 pm
Forum: Personal Investments
Topic: How many people with 7 figure portfolios are”rejoicing ?”
Replies: 169
Views: 13793

Re: How many people with 7 figure portfolios are”rejoicing ?”

Not happy, but feel blessed. Still have quite a bit and my 57/43 portfolio (age-10 in bonds) helped cushion the blow, even though losing hundreds of thousands doesn't really seem cushioned. College funds are in safe investments and home is paid for. Hunkering down and trying to live below my means. ...
by jvini
Tue Mar 10, 2020 10:15 am
Forum: Personal Investments
Topic: Would this be considered 'market timing'?
Replies: 12
Views: 880

Re: Would this be considered 'market timing'?

This isn't market timing. This is discovering your risk tolerance and adjusting accordingly. You just have to stick with it. If every time things go bad or do well you switch back and forth, that's more market timing. Stay the course, as you'll hear many times. Rebalance once a year or so to your de...
by jvini
Tue Mar 03, 2020 3:15 pm
Forum: Personal Investments
Topic: Almost to retirement...Please critic our IPS...
Replies: 18
Views: 1454

Re: Almost to retirement...Please critic our IPS...

I really like your plan. I'm about 4-6 years away. Hope you don't mind if I take it for myself. I've been thinking of all this stuff and you have it written down very succinctly. I have very much the same philosophy and thoughts, but will probably just keep my aa even if the market goes down, althou...
by jvini
Sat Feb 29, 2020 8:30 am
Forum: Personal Investments
Topic: Will recovery be possible?
Replies: 41
Views: 4727

Re: Will recovery be possible?

If you like buying your favorite things on sale, you're in luck! Equities are on sale. At your age you should hope this keeps happening every once in a while for decades. Stay the course. Dollar cost average. Rebalance yearly, change your allocation with age and be amazed what has happened when you'...
by jvini
Fri Feb 28, 2020 3:26 pm
Forum: Personal Investments
Topic: A good time to rebalance out of small caps?
Replies: 1
Views: 441

A good time to rebalance out of small caps?

Hi all. I really hope I get some opinions from the great people here. Over the past 20 years I've had a rather large small cap tilt. I actually split my U.S. allocation about 1/3 Small cap blend, Mid cap blend, large cap blend. Fortunately it worked out fairly well. As I get closer to retirement and...
by jvini
Fri Feb 21, 2020 1:18 pm
Forum: Personal Investments
Topic: What's your style?
Replies: 8
Views: 873

Re: What's your style?

OP, 1) Put the money into the balanced index fund (60/40) and avoid manual rebalancing totally. 2) Put the money into bond or stock depending on which one is below allocation. Why do you like to do market timing? KlangFool Ha. I really don't like to market time. In fact, I've just always put my mon...
by jvini
Fri Feb 21, 2020 12:53 pm
Forum: Personal Investments
Topic: What's your style?
Replies: 8
Views: 873

What's your style?

Hi all. If you could dollar cost average money monthly into a 60/40 portfolio and disregard taxes and forget about brokerage vs. tax advantaged account benefits (I know bonds are usually held in a tax advantaged account), would you a) dollar cost all your money into the equity index fund portion and...
by jvini
Mon Feb 17, 2020 9:01 pm
Forum: Personal Investments
Topic: What's your dollar cost average method
Replies: 4
Views: 549

What's your dollar cost average method

Hi all. I have some free time so I'm actually getting to post. Every month I'm fortunate to be able to dollar cost average into my brokerage account. I do this along with maxing out a 401(k). I then rebalance once a year around the new year, and start the process again. Currently I buy only equities...
by jvini
Mon Feb 17, 2020 12:12 pm
Forum: Personal Investments
Topic: Math for a dummy
Replies: 7
Views: 721

Re: Math for a dummy

Beware of wash sales rules though. It is clearly not applicable here because (I presume) there is no loss, but if you are going to make a habit of it and follow the same process repeatedly in the future, there might come a time when the losses on your brokerage account are disallowed. To even forec...
by jvini
Mon Feb 17, 2020 11:16 am
Forum: Personal Investments
Topic: Math for a dummy
Replies: 7
Views: 721

Math for a dummy

Hi all. I have a question that I think is simple but want to make sure I'm not missing something and there's no better place to turn than the people here. I have a 60/40 portfolio. I am currently at the point where- I have only stock index funds in my brokerage account. I hold a total bond index in ...
by jvini
Thu Feb 13, 2020 10:28 am
Forum: Personal Investments
Topic: Invest or pay extra on mortgage principal?
Replies: 44
Views: 2757

Re: Invest or pay extra on mortgage principal?

I was in almost the exact same situation. I subscribed to the idea that I'll make more investing in a total stock market fund over the life of the mortgage than I would paying extra on a 3.75% mortgage in a house I plan to stay in forever. Then after about 20 years of doing this I had a lot invested...
by jvini
Sun Feb 02, 2020 4:09 pm
Forum: Personal Investments
Topic: Living off of dividends and interest?
Replies: 4
Views: 867

Living off of dividends and interest?

Hi all. I have a simple question that may somehow get a lot of complex answers. Let's say I retire with a 3 million dollar simple 3 fund portfolio (60%/40%). The dividends and interest I get is about 2% ($60,000) and I live on $90,000 per year. I have no debt. Can I just sell some of my portfolio (a...
by jvini
Sat Feb 01, 2020 7:26 pm
Forum: Personal Investments
Topic: Middle aged dude starting from scratch with my proposed portfolio.
Replies: 58
Views: 5715

Re: Middle aged dude starting from scratch with my proposed portfolio.

Congratulations. You sound like you are doing well personally and monetarily. There are all sorts of good opinions here and I'll add my own. I like to follow a set of rules that keeps me honest. I don't try to time the market and I've done well and feel very fortunate. Dollar cost average. If you ha...
by jvini
Wed Jan 29, 2020 12:22 pm
Forum: Personal Investments
Topic: Are index investors investing in QQQ by accident?
Replies: 28
Views: 2573

Re: Are index investors investing in QQQ by accident?

I feel like the OP is essentially saying it is bad to be invested in the best companies in the market. I understand the risk of being that concentrated, but those 5 companies are printing money and raking in billions. Apple just reported $91b in revenue and $22b in profits in a 3 month timespan. Th...
by jvini
Tue Jan 28, 2020 5:07 pm
Forum: Personal Investments
Topic: Are index investors investing in QQQ by accident?
Replies: 28
Views: 2573

Re: Are index investors investing in QQQ by accident?

I feel like the OP is essentially saying it is bad to be invested in the best companies in the market. I understand the risk of being that concentrated, but those 5 companies are printing money and raking in billions. Apple just reported $91b in revenue and $22b in profits in a 3 month timespan. Th...
by jvini
Tue Jan 28, 2020 10:33 am
Forum: Personal Investments
Topic: Are index investors investing in QQQ by accident?
Replies: 28
Views: 2573

Are index investors investing in QQQ by accident?

Hi all. If someone holds an S&P 500 index or even a total U.S. market index (which is heavily weighted towards large cap stocks), are they way too heavily invested in tech and about 5 companies specifially? I just read this: The five most valuable U.S. companies — Apple, Microsoft, Alphabet, Amazon ...
by jvini
Wed Jan 15, 2020 10:53 am
Forum: Personal Investments
Topic: Portfolio Review & Recent Inheritance & FIRE?
Replies: 18
Views: 1430

Re: Portfolio Review & Recent Inheritance & FIRE?

Financially, you're in fine shape to do what you want. Mentally, not so much. I would take some time to center yourself and think about why you care what people might say about an early retirement. Your friends and family should be thrilled for you and who cares what others think. I actually think p...
by jvini
Tue Jan 14, 2020 4:45 pm
Forum: Personal Investments
Topic: Financial Engines very aggressive recommendation
Replies: 22
Views: 1941

Re: Financial Engines very aggressive recommendation

I actually like the portfolio. A little too high on international, but that's subjective. Test it on the portfolio visualizer. It's like a magical wayback machine that lets you see how it performed over a number of years. At 30, I don't think there's a reason to be heavy into bonds at all, and I lik...
by jvini
Tue Jan 07, 2020 3:56 pm
Forum: Personal Investments
Topic: Birthday Money
Replies: 56
Views: 3998

Re: Birthday Money

You can check out UGMA/UTMA accounts too. I don't know a lot, but they may be taxed at the child's rate. There are other caveats and restrictions, though. My kids have UTMA custodial brokerage accounts for over 15 years and I don’t worry about losing money. They are in it for the long haul. You alr...
by jvini
Tue Jan 07, 2020 11:15 am
Forum: Personal Investments
Topic: Can I retire (early)?
Replies: 49
Views: 5975

Re: Can I retire (early)?

The bottom line is not to accumulate wealth, it's to enjoy life. The money you saved is enough to do that at a relatively early age. You now know you can retire and enjoy. As others suggested, you need to rebalance. I hope you read The Three Fund Portfolio. Keep things simple, be smart. Congratulati...
by jvini
Thu Nov 07, 2019 4:45 pm
Forum: Personal Investments
Topic: MMA or Savings or Cash Management
Replies: 21
Views: 1497

Re: MMA or Savings or Cash Management

For a 3-year timeframe, a good choice would be PSECU 3-year CD at 3.25%. You'll be hard pressed to find anything better. They also have a 2-year at 3.00%, which also is hard to beat. Biggest downside is that you have to join the credit union if you're not already a member. No big deal for me, but s...
by jvini
Thu Nov 07, 2019 4:03 pm
Forum: Personal Investments
Topic: MMA or Savings or Cash Management
Replies: 21
Views: 1497

Re: MMA or Savings or Cash Management

For a 3-year timeframe, a good choice would be PSECU 3-year CD at 3.25%. You'll be hard pressed to find anything better. They also have a 2-year at 3.00%, which also is hard to beat. Biggest downside is that you have to join the credit union if you're not already a member. No big deal for me, but s...
by jvini
Fri Nov 01, 2019 10:51 am
Forum: Personal Investments
Topic: Sold half of my IRA bond holdings, bought 3 yr. CD
Replies: 6
Views: 623

Re: Sold half of my IRA bond holdings, bought 3 yr. CD

About a year ago I moved a significant chunk of ROTH and traditional IRA money from Investment Grade to 2 year CDs and Treasury notes. I think the rate was around 3% at the time. But, I am also changing my game plan on equity -- I plan to let the equity percentage rise indefinitely and will no long...
by jvini
Fri Nov 01, 2019 10:49 am
Forum: Personal Investments
Topic: Sold half of my IRA bond holdings, bought 3 yr. CD
Replies: 6
Views: 623

Re: Sold half of my IRA bond holdings, bought 3 yr. CD

If you wanted an opinion, shouldn't you have asked before the conversion? Anyway, the AA looks good. BTW, what sort of tax deferred income hit (?) did you take inside the tax advantaged account after the conversion compared to before? Fair point, although I guess I'm really looking for confirmation...
by jvini
Fri Nov 01, 2019 10:31 am
Forum: Personal Investments
Topic: Sold half of my IRA bond holdings, bought 3 yr. CD
Replies: 6
Views: 623

Sold half of my IRA bond holdings, bought 3 yr. CD

Hello all. After reading many posts here and reading some of Larry Swedroe's writing, I sold about half my bond holdings of BND from my tax advantaged account and put the money in a tax advantaged 3 year CD yielding 3.25. I'm 52 and can't touch the money in my IRA for about 7 years, and most of my r...
by jvini
Thu Oct 17, 2019 1:31 pm
Forum: Personal Investments
Topic: Where to Put "Extra" Taxable Savings
Replies: 28
Views: 3604

Re: Where to Put "Extra" Taxable Savings

OP, A) Invest as per your AA. B) 100% stock in your taxable account for maximum tax efficiency. Adjust your investment in your tax-advantaged account to maintain your AA. Aka, buy more fixed income in your tax-advantaged accounts. KlangFool Totally agree. If this money is for your retirement, put i...
by jvini
Tue Oct 15, 2019 3:49 pm
Forum: Personal Investments
Topic: Allan Roth and Bill Bernstein fixed income portfolio?
Replies: 51
Views: 6793

Re: Allan Roth and Bill Bernstein fixed income portfolio?

If I'm not mistaken, BND (Vanguard total bond etf) is up a little over 10% this year. Quite a return. No one knows what yields are going to do. I thought they'd be going up, not going way down. I can see how CD's are much more predictable, but having my 40% allocation in bonds has really looked good...
by jvini
Sat Sep 21, 2019 3:39 am
Forum: Personal Investments
Topic: Partial shift from bond funds to CD ladder
Replies: 14
Views: 1647

Re: Partial shift from bond funds to CD ladder

Remember a year ago when rising rates were a certainty and moving out of bond funds like BND into CDs seemed like a no brainer? Today rates have fallen and continue to fall and BND is up about 8% so far this year. It is impossible to predict or time the market. I moved some money back then and my ga...
by jvini
Mon Sep 16, 2019 2:28 pm
Forum: Personal Investments
Topic: Stupid retirement/fund selling question-sorry
Replies: 8
Views: 674

Re: Stupid retirement/fund selling question-sorry

Thank you all for the thoughtful answers! I will try the calculator when I have a little time. When I used the nerd wallet calculator it came out that I won't really owe much since I'm under about 80,000 between an IRA withdrawal and capital gains, even though I'll end up with about 100k. I'm going ...
by jvini
Mon Sep 16, 2019 12:51 pm
Forum: Personal Investments
Topic: Stupid retirement/fund selling question-sorry
Replies: 8
Views: 674

Stupid retirement/fund selling question-sorry

Hi all. If I retire at 55 and live off sales of funds from a taxable account until I can withdraw from my IRA, I'll theoretically owe long term capital gains. But do I owe them if that 's my only 'income?' In other words, we'd live off of 100k for example that we got from selling etfs. Let's say the...
by jvini
Sun Sep 15, 2019 10:04 am
Forum: Personal Investments
Topic: what should I be doing with my after-tax 401k contributions?
Replies: 30
Views: 2442

Re: what should I be doing with my after-tax 401k contributions?

You can contribute quite a bit above and beyond your pre tax 401k contribution, even more if you're over 50, and it really adds up. The additional catch up contribution limit that begins in the year you turn 50 can never be used for employee after-tax tax contributions. The annual addition limit (2...
by jvini
Sat Sep 14, 2019 5:21 pm
Forum: Personal Investments
Topic: what should I be doing with my after-tax 401k contributions?
Replies: 30
Views: 2442

Re: what should I be doing with my after-tax 401k contributions?

I rolled mine into a Roth account at Fidelity. This mega back door Roth is an amazing way to fund a Roth account if you don't qualify. You can contribute quite a bit above and beyond your pre tax 401k contribution, even more if you're over 50, and it really adds up. Not all or even many employers al...
by jvini
Wed Sep 04, 2019 12:57 pm
Forum: Personal Investments
Topic: Retirement reserve help
Replies: 8
Views: 922

Re: Retirement reserve help

Thank you for those great links! I will do some digging, but I'm leaning to NOT having that cash reserve and utilizing that '55 rule'. That is very helpful! You guys are awesome, as usual.