Bogleheads.org

bigROI

True that the Roth conversions look more appealing now then before however I worry that it will be the next vehicle picked don to pay taxes or prop up Social Security. For now I will balance some in deferred and some as a Roth hedging for the next "Secure Act" type change that will probabl...

bigROI

It might be good to consider some tax efficient munis vs money market that has just a 250k FDIC insurance.
VTEB or something similar might be good for 500k of those funds. I don't think you are to agressive with a SS and pension backing.

bigROI

My EJ representative, and his assistant, have become friends. This will be very difficult for me but, I know I must make the change. You are 55. If you stay with EJ and live 30 more years they can easily siphon off half of your portfolio. I don't have any friends that good. With friends like that.....

bigROI

I would list it for say 1.1 million or a pretty bold price and if it sells then take the gains and invest. The rent is way off for the value and I cant imagine it barely covers the property taxes and then you are taxes on the gain from there so it may not even break even. The run up on value had a l...

bigROI

I would split the money and run a : 2mill VTI(40%), VXUS(20%), BND(30%), BNDX(10%) and 2mill VPMAX(40%), VZICX (20%), BNDW (40%) See what one wins. find a good fee only CFP to help strategize a trust, tax planning, will, insurance (umbrella ect..) and all the other things you should do to preserve y...

bigROI

I had a 7000 then a 7800 and now have the RAX75 ($220 from Costco on sale). And would think the 7800 for $100ish would do great for 100mbps in an apartment. ASUS also has some good options for around $100. Look for one that has the 80mhz bands for phones and MUMIMO support.

bigROI

Considering the broad scope of international funds and multitude of risk factors its probably worth having this run with some degree of active research. I may split my international half and half between the index and this core fund and monitor the outcome.

bigROI

If she depends on income from this money then she should consider a rebalance, she might have been balanced 5-10 years ago but with equity appreciation she may not be able to weather the risks. Not that you should take anything over but you should have her talk with a planner at vanguard or take one...

bigROI

Edward Jones will become your best friend for about 1% of your net worth per annum. Their Assets Under Management fees are 1.35% a year, if I remember right. That also doesn't cover the expense ratios of the underlying funds, but in Edward Jones defense are cheaper funds. But still too expensive. D...

bigROI

I am not a lawyer but you may want to have one draft a letter regarding equitable fee management for the program. There has been litigation against institutions that have implemented changes without employee input, counsel or a committee. If it cost you a hundred or two not a huge but thousands is n...

bigROI

There may be one thing worse that not inheriting a large sum and that may well be inheriting a large sum. I agree, pay your loans, then find a cause and give it all away. Or use it to give your talents away to the world and work for free. That may just be the way that money can buy happyness. Sorry...

bigROI

How much money and what are her expenses, does she get SSI? Does she want to leave anything left over for relatives or charity? If it is not essential she could probably put in 10 - 20% into equities with little concern and set the rest up in CD ladders for funds as needed along with high return sav...

bigROI

You need to look at a recession as an opportunity to buy stock on sale. I would say if you had 25% in bonds you could set a benchmark for re-balance to trade those bonds for stocks on say a 20% dip, 30% dip or 40% dip to capture the opportunity while still backstopping your holdings. I like to lever...

bigROI

I would try this against the montecarlo as well https://firecalc.com/ - make sure to tune it accordingly

bigROI

Try running these two tools to see how you fare for risk tolerance https://personal.vanguard.com/us/FundsInvQuestionnaire and for funds longevity https://retirementplans.vanguard.com/VGApp/pe/pubeducation/calculators/RetirementNestEggCalc.jsf They can be used in combination to get an idea of where a...

bigROI

Thank you Jordan. I thought I was doing okay but when I started listening to Dave Ramsey and how you can make an average of 12%/yr and I realized I had a ton of cash just sitting in a bank and did not even know the logins to my IRA or 401k accounts that my dad insisted I contribute to when I starte...

bigROI

I plan to give pretax direct from my retirement account when I am in my withdrawal phase to maximize the contribution, you can also have this count against RMD. If I retire early I would make my new job to mentor, volunteer help where I see I can do this most good. I hope the option to give directly...

bigROI

I have a 55/45 custom portfolio that has returned about 1.7%ytd made up of standard cores with 20% Total International Bonds 33% Total International Stock and the rest domestic. I have a return of around 4.7% on VTMFX witch is a 50/50 balanced tax managed fund.

bigROI

I think of my mortgage balance as an inverse hedge against inflation or hyper inflation. Not a terrible thing to have and when young there should be plenty of time to cover it but would probably have it paid in full before retirement and use it as real estate value in my portfolio. Make sure you hav...

bigROI

I would optimize and put all bond funds into retirement accounts and keep the stocks in the taxable. Careful with who you find as a spouse with this kind of net worth. Insist on a prenup or find someone with similar fiscal stability as there could be potential for abuse. 1. Municpal bonds? I would b...

bigROI

Thanks for the thoughts on the other funds. I will probably stay with the Vanguard selections for now unless I see something stand out. Some hedges in tech, med equity ect.. are mostly afforded by them as well with high quality options. I do think their precious metals and mining fund is not up to p...

bigROI

With vanguard adding commission free index funds do you think there are better core replacements? List https://personal.vanguard.com/pdf/etfcfl.pdf Looking are replacing VTI - SCHB or IW? https://www.morningstar.com/etfs/arcx/vti/quote.html https://www.morningstar.com/etfs/arcx/schb/quote.html <-- ....

bigROI

Or more, or less
flip a coin, gamble...
or just diversify and allocate/re-balance according to risk per IPS - don't get excited
how well did they do for predictions for 2017?

bigROI

Iraqi Dinar, poor country is still in shambles after the 1 trillion + the US put into it. Some gold and silver.... Not really bad since it can be an Apocalypse hedge Had some booze but I consumed that hedge :-) Never hurts to have common ammo or firearms for hard currency in case of total collapse l...

bigROI

There is a point where you can be active ( in some regard to timing) if you contribute to a Roth IRA. Just wait till the point in the calendar year when you think equities and or securities are most distressed and buy in a little or a lot at those times. Track the investment and see how well you did...

bigROI

I would not do any less risk than an 50/50 equity/security fund. Make sure to get keep all your equities on the taxable side and get as many securities into the retirement funds unless muni bonds. Keep maybe 100-200k in a ally 1.5% CD for quick access cash based on need. Good problem to have at your...

bigROI

Its when something looks bleak is when it has great potential. Don't look in the past year /5 /10 ect... put them in at a comfortable % for your age usually topping out at 50-70% when you retire. Stocks could crash to 40 cents or less on the dollar in a few months any day/month/year now so there is ...

bigROI

I would carve it out: 50% total stock 15% international 25% total bond 10% total international bond Try to start with 4% and see how far they can run with it for the year. Better to keep as much as you can working for them while it can be earning. You might want to run this simulation below and show...

bigROI

I appreciate all the wisdom and input. I like the tax managed suggestions but it looks too leveraged in muni bonds which they are adverse to. i also appreciate the suggestion of ROTH conversion while in the 15% bracket with the extra wiggle room. I am going to keep suggesting they keep this in equit...

bigROI

I suggested that re-balance approach for the best tax efficiency however they want to keep this amount segregated and accountable in and of itself. I think if its used for a family purchase(s) down the line they know how much it has earned and how much has been used so they can keep it segregated fr...

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A family friend around 40 in the 15% tax bracket have 100k (after tax) worth of proceeds for a sale. They are looking to camp this money (10-20yrs?)and are considering some of Vanguards balance funds vs. a slice and dice to keep it simple and contained. From what they described they are set with fun...

bigROI

Dont roll into Creff - use Vanguard for a Roth if/when you do one For choices the equity index and Traditional are about as good as you get from them. Try to appeal to your employer to add Vanguard institutional index to the bucket of choices. Its important to note that their funds are a hybrid acti...

bigROI

Compute the sum of the annual fees with the 1.25% adviser and the .3% VG service, compound this over 10 or 15 years to show how much she is throwing away. Keep the argument simple and focused, get Vanguard on the phone to discuss the service so you have a 3rd party making the case. Funny as family m...

bigROI

With 6 kids you will need a fair amount for expenses. I would not be in a rush to invest a lot of the money pending the outcome of the job search. Passive income on 280k will be peanuts and don't plan for marriage expenses when you are without a job and almost 50. Kids getting married can figure out...

bigROI

new $150-$200 phone 1 or 2 gen behind is just fine these days. have a $30-$40 burner around in case you have issues and need warrany or need to shop for another. $700 for a phone with marginal improvements is laughable.

bigROI

I would keep at least 15-20k highly available, perhaps the Ally CD or the like and max out the 401k till you use up the other 5-10k then dial it back and keep the course with whatever you prefer. An 30 80/20 seems pretty good. I would keep it simple with 60% VINIX 20 % VTRIX and maybe a split 10%/10...

bigROI

Going to give you a tip on diamonds, anything you find in the store will be 100-200% more than you can pay for one online from a reputable dealer with a return policy. I got a stone that had a rappaort for 8-10k for $1500 and put it in a $500 setting. For 2500 you could probably find a 1ct SI2 or be...

bigROI

If Criag, Zillow/Trula do no good consider a flat fee agent to get it in for a couple hundred bucks and you can pay whatever buyer broker commission you want.

bigROI

Net worth of 900k considering a 2m house? I would say no, sure you have good income to afford it and 25% down but you are putting an enormous chunk into one asset on one region. Can you get it partially unfinished and complete that later when you have cash to pay it outright? Perhaps that might be a...

bigROI

I would try to avoid an agent for this sort of sale. If they are trying to get 6% you will toss 60k to them. If the suggestion of contact to the top 10-15 subsidy receivers in the region yields no offers or bids then maybe a flat fee listing might be something more economical and spend some on the p...

bigROI

Can you do an in service distribution since they are changing? If not then my allocation would be: 20 % - Principal Global Large Cap S&P 500 Index Expense Gross - 0.18% 7% - Principle Global Investors Midcap S&P 400 Expense Gross - 0.18% 3 % - Principle Global Investors Smallcap S&P 600 ...

bigROI

Something that the two sentimental siblings may benefit from is knowing a new family is going to make good memories in the home too vs letting it sit to rot. Not sure what the options are to sell the equity for cash but it could be used as leverage in mediation that you will do so and a new tenant i...

bigROI

Where is the fight? Grab the prospectus of the Vanguard Total Market fund Institution class (you are getting a great ER at .02%, I only pay .04 :( ) then compare it against the standard of the large cap blended market - its right where it should be. Plain bland and simple Come armed with this: Anyon...

bigROI

If I had this level of funds I would probably use 2 or 3 passive approaches for conservative growth and wealth mait. 1. Standard age in bonds (80TBM 20TIPS) not to exceed 70% and the rest split between domestic and international equities with maybe a 5% position in RE ($15mil) 2. CD ladder for 45% s...

bigROI

Wellington perhaps https://personal.vanguard.com/us/funds/snapshot?FundId=0021&FundIntExt=INT has tax exposure though. Perhaps a separate buy in using your name and then use the money to over fund your retirement/Roth to cover it. You could explain your method with your MOM or MIL so they know t...

bigROI

I would move to Washington before you take distribution and commute to work, you will save 20k of income tax this way on each distribution if the account is from pretaxed funds Otherwise live like you have lived, invest in 25% bonds 75% equity portfolio if you like a little more risk and max out yo...

bigROI

Had my neighbor do this. I said sure I will look at what you have then called him on all front loaded Templeton crap and said I am not willing to toss 5% in the garbage can when I can get the same fund that will track the index I want without fees. He then wanted to sell me on some Muni Bonds, I pas...

bigROI

I bonds or Rainbow savings account from Willshire state bank.

bigROI

I don't think it is so much timing as it is true credit quality representation. When I think AAA bond I think the only chance I am not getting paid is if we all go under or the establishment is dissolved. However with municipalities that cannot happen. I think people should look heavily on the balan...

bigROI

10k is a rainy day fund, no emergency fund. 6 months of your pay is what you should have regardless of how easy or fast you think you can get a job. If you are put some out as investment consider a Roth or I bond. You can always cash out a roth and not pay tax on principal.

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