Search found 209 matches

by bigROI
Thu Nov 15, 2018 3:08 pm
Forum: Investing - Help with Personal Investments
Topic: My Grandmother has 80% stocks
Replies: 55
Views: 5643

Re: My Grandmother has 80% stocks

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...
by bigROI
Thu Nov 15, 2018 1:59 pm
Forum: Investing - Help with Personal Investments
Topic: Oops! Edward Jones tops Vanguard in customer survey
Replies: 50
Views: 5299

Re: Oops! Edward Jones tops Vanguard in customer survey

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...
by bigROI
Fri Nov 09, 2018 1:34 pm
Forum: Investing - Help with Personal Investments
Topic: Workplace 401k Fees being added
Replies: 7
Views: 897

Re: Workplace 401k Fees being added

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...
by bigROI
Fri Nov 09, 2018 1:13 pm
Forum: Investing - Help with Personal Investments
Topic: Help - Expect to inherit relatively large sum
Replies: 12
Views: 2182

Re: Help - Expect to inherit relatively large sum

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...
by bigROI
Wed Oct 10, 2018 12:23 pm
Forum: Investing - Help with Personal Investments
Topic: Investment advice for a friend in her nineties
Replies: 22
Views: 1934

Re: Investment advice for a friend in her nineties

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...
by bigROI
Thu Sep 27, 2018 10:59 am
Forum: Investing - Help with Personal Investments
Topic: Preparing for My First Recession?
Replies: 63
Views: 7423

Re: Preparing for My First Recession?

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...
by bigROI
Wed Sep 26, 2018 10:51 am
Forum: Investing - Help with Personal Investments
Topic: Monte Carlo Simulation
Replies: 13
Views: 1452

Re: Monte Carlo Simulation

I would try this against the montecarlo as well https://firecalc.com/ - make sure to tune it accordingly
by bigROI
Thu Sep 20, 2018 2:22 pm
Forum: Investing - Help with Personal Investments
Topic: So new to all this it hurts!
Replies: 27
Views: 3611

Re: So new to all this it hurts!

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...
by bigROI
Thu Sep 20, 2018 2:17 pm
Forum: Investing - Help with Personal Investments
Topic: Newbie with no idea where to invest
Replies: 18
Views: 1119

Re: Newbie with no idea where to invest

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...
by bigROI
Thu Sep 20, 2018 1:56 pm
Forum: Investing - Help with Personal Investments
Topic: Philanthropy 101
Replies: 13
Views: 901

Re: Philanthropy 101

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...
by bigROI
Thu Sep 20, 2018 1:50 pm
Forum: Investing - Help with Personal Investments
Topic: 40/60 allocation returns ytd
Replies: 29
Views: 4869

Re: 40/60 allocation returns ytd

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.
by bigROI
Thu Sep 20, 2018 1:10 pm
Forum: Investing - Help with Personal Investments
Topic: Paying off mortgage vs investing?
Replies: 20
Views: 2106

Re: Paying off mortgage vs investing?

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...
by bigROI
Tue Sep 18, 2018 2:56 pm
Forum: Investing - Help with Personal Investments
Topic: Portfolio Review, Age 31, $1.5 million net worth
Replies: 38
Views: 8459

Re: Portfolio Review, Age 31, $1.5 million net worth

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...
by bigROI
Thu Sep 13, 2018 2:20 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard adding commission free index funds, better core replacements?
Replies: 8
Views: 1257

Re: Vanguard adding commission free index funds, better core replacements?

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...
by bigROI
Fri Sep 07, 2018 9:04 am
Forum: Investing - Help with Personal Investments
Topic: Vanguard adding commission free index funds, better core replacements?
Replies: 8
Views: 1257

Vanguard adding commission free index funds, better core replacements?

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 <-- ....
by bigROI
Tue Nov 21, 2017 3:39 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard on 2018
Replies: 11
Views: 2673

Re: Vanguard on 2018

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?
by bigROI
Fri Nov 10, 2017 12:10 pm
Forum: Investing - Theory, News & General
Topic: Do you keep anything in your portfolio as a monument to your bad decisions?
Replies: 69
Views: 6158

Re: Do you keep anything in your portfolio as a monument to your bad decisions?

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...
by bigROI
Fri Oct 27, 2017 12:31 pm
Forum: Investing - Help with Personal Investments
Topic: Index investing is boring
Replies: 63
Views: 6990

Re: Index investing is boring

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...
by bigROI
Wed Oct 11, 2017 10:46 am
Forum: Investing - Help with Personal Investments
Topic: 2M savings investment help
Replies: 49
Views: 10856

Re: 2M savings investment help

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...
by bigROI
Thu Sep 21, 2017 2:54 pm
Forum: Investing - Help with Personal Investments
Topic: Bonds - Ugh
Replies: 26
Views: 2660

Re: Bonds - Ugh

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 ...
by bigROI
Thu Sep 14, 2017 1:25 pm
Forum: Investing - Help with Personal Investments
Topic: Investing parents nest egg -- any final thoughts?
Replies: 37
Views: 3505

Re: Investing parents nest egg -- any final thoughts?

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...
by bigROI
Fri Sep 08, 2017 8:39 am
Forum: Investing - Help with Personal Investments
Topic: 100k taxable camp site
Replies: 10
Views: 1695

Re: 100k taxable camp site

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...
by bigROI
Thu Sep 07, 2017 2:55 pm
Forum: Investing - Help with Personal Investments
Topic: 100k taxable camp site
Replies: 10
Views: 1695

Re: 100k taxable camp site

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...
by bigROI
Thu Sep 07, 2017 2:19 pm
Forum: Investing - Help with Personal Investments
Topic: 100k taxable camp site
Replies: 10
Views: 1695

100k taxable camp site

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...
by bigROI
Wed Aug 30, 2017 9:14 am
Forum: Investing - Help with Personal Investments
Topic: First time with a 403b
Replies: 8
Views: 677

Re: First time with a 403b

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...
by bigROI
Thu Aug 17, 2017 11:13 am
Forum: Investing - Help with Personal Investments
Topic: Which Audible book for Mom to convince her to get away from Raymond James
Replies: 19
Views: 2386

Re: Which Audible book for Mom to convince her to get away from Raymond James

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...
by bigROI
Tue Jul 18, 2017 12:14 pm
Forum: Investing - Help with Personal Investments
Topic: Need investing advice
Replies: 23
Views: 2628

Re: Need investing advice

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...
by bigROI
Thu Jun 29, 2017 12:51 pm
Forum: Personal Consumer Issues
Topic: Do you buy phone outright or pay it off monthly...
Replies: 63
Views: 7235

Re: Do you buy phone outright or pay it off monthly...

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.
by bigROI
Wed Jun 28, 2017 2:52 pm
Forum: Investing - Help with Personal Investments
Topic: New to Investing. $25,000 to Invest.
Replies: 20
Views: 2732

Re: New to Investing. $25,000 to Invest.

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...
by bigROI
Wed Jun 28, 2017 8:17 am
Forum: Personal Finance (Not Investing)
Topic: Financing Engagement Ring/ Credit Score Potential Consequences
Replies: 39
Views: 3695

Re: Financing Engagement Ring/ Credit Score Potential Consequences

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...
by bigROI
Tue Jun 27, 2017 2:54 pm
Forum: Personal Finance (Not Investing)
Topic: Realtor fee negotiations
Replies: 27
Views: 3508

Re: Realtor fee negotiations

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.
by bigROI
Tue Jun 27, 2017 2:49 pm
Forum: Personal Finance (Not Investing)
Topic: Can we/should we afford a $2M house?
Replies: 96
Views: 18498

Re: Can we/should we afford a $2M house?

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...
by bigROI
Tue Jun 27, 2017 2:42 pm
Forum: Personal Finance (Not Investing)
Topic: Need help to sell family farm.
Replies: 41
Views: 5781

Re: Problems with sale of property. Please help.

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...
by bigROI
Thu Jun 22, 2017 11:20 am
Forum: Investing - Help with Personal Investments
Topic: Trying to Help a friend w/ 401K Fund choice
Replies: 4
Views: 547

Re: Trying to Help a friend w/ 401K Fund choice

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 Expense Gros...
by bigROI
Thu Jun 22, 2017 10:54 am
Forum: Personal Finance (Not Investing)
Topic: Siblings in disagreement over mom's house.
Replies: 241
Views: 28097

Re: Siblings in disagreement over mom's house.

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...
by bigROI
Tue Jul 29, 2014 2:21 pm
Forum: Personal Finance (Not Investing)
Topic: Please help me fight for index funds!
Replies: 37
Views: 3588

Re: Please help me fight for index funds!

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...
by bigROI
Thu Apr 25, 2013 3:59 pm
Forum: Investing - Help with Personal Investments
Topic: Help w/ a $55M portfolio?
Replies: 51
Views: 8297

Re: Help w/ a $55M portfolio?

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...
by bigROI
Thu Apr 25, 2013 1:12 pm
Forum: Investing - Help with Personal Investments
Topic: Investment suggestions [On behalf of child (adult)]
Replies: 5
Views: 597

Re: Investment suggestions [On behalf of child (adult)]

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 the r...
by bigROI
Tue Apr 23, 2013 12:19 pm
Forum: Investing - Help with Personal Investments
Topic: Inheriting money, don't want to [mess] anything up
Replies: 48
Views: 6935

Re: Inheriting money, don't want to [mess] anything up

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...
by bigROI
Wed Oct 19, 2011 10:46 am
Forum: Investing - Help with Personal Investments
Topic: Financial Advisors going door to door
Replies: 7
Views: 1832

Re: Financial Advisors going door to door

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...
by bigROI
Fri Oct 14, 2011 10:34 am
Forum: Investing - Help with Personal Investments
Topic: Better Alternatives to Low Yield Savings/MMA accounts?
Replies: 6
Views: 1255

I bonds or Rainbow savings account from Willshire state bank.
by bigROI
Thu Oct 13, 2011 12:52 pm
Forum: Investing - Help with Personal Investments
Topic: Maybe Meredith was correct? [Harrisburg PA bankruptcy]
Replies: 21
Views: 3143

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...
by bigROI
Fri Oct 07, 2011 4:15 pm
Forum: Investing - Help with Personal Investments
Topic: EF growing too big
Replies: 15
Views: 2300

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.
by bigROI
Fri Oct 07, 2011 8:22 am
Forum: Investing - Help with Personal Investments
Topic: Question - Where should I put money for my 4 month old?
Replies: 14
Views: 1113

Ibond is good
by bigROI
Thu Oct 06, 2011 8:51 am
Forum: Investing - Help with Personal Investments
Topic: Mortgage Lender Shenanigans -- Who Are the Victims?
Replies: 19
Views: 2229

I AM! - I am an adult who can read a contract and research before I sign my name. I have not ever missed a mortgage payment nor did I purchase a house that I cannot afford, regardless of how much I qualified for. I didn't use my home equity as a piggy bank. My reward? Nothing, I just keep getting to...
by bigROI
Tue Sep 27, 2011 10:09 am
Forum: Investing - Help with Personal Investments
Topic: Cash Back Credit Cards
Replies: 53
Views: 7483

Anyone know with the Fidelity card if you can just bank the points then deposit the next year? My Roth is maxed for me and my wife and since the 2% FIA rewards card is going away this is my plan B but I cannot do a retirement account with them since I have one at work and already the Roth with Vangu...
by bigROI
Tue Sep 27, 2011 10:07 am
Forum: Investing - Help with Personal Investments
Topic: Grad school sister- what to do w $5K and 5 year time horizon
Replies: 13
Views: 1297

Make the gains tax-free by putting it in a 529 plan if she is going to use the money for education. 529 plans have fixed income options that are suitable. Think about I-bonds as well. Also be aware that "financial aid" is sometimes "loans" and not "grants", so using the money to pay for education n...
by bigROI
Mon Sep 26, 2011 4:20 pm
Forum: Investing - Help with Personal Investments
Topic: Transferring Over to the Permament Portfolio
Replies: 85
Views: 7328

Johm221122 wrote:You want to be 25% gold(just off all time high) 25% long term bonds (paying 4%) 25% cash(.5)?? Does that seem good!
Seems not good but rather a great way to lose your shirt. As much as the current climate bites the permanent portfolio does not seems sound to me.
by bigROI
Thu Sep 22, 2011 10:03 am
Forum: Investing - Help with Personal Investments
Topic: Just want to thank the FED for burning us again
Replies: 2
Views: 1008

Just want to thank the FED for burning us again

I don't know who else is with me but I wish the FED and govt would quit playing games with the economy. Left to its own devices I think we are positioned to grow and prosper in the long term but the constant intervention and programs that are getting spawned seems to be selective positioning that li...
by bigROI
Mon Sep 19, 2011 2:48 pm
Forum: Investing - Help with Personal Investments
Topic: Simple 3fund portfolio, or complicated value-tilt portfolio?
Replies: 41
Views: 7418

Like said, the general sentiment 80/20 is not good to see at this age unless you had truly conditioned her to be prepared to lose 60%+ of everything she invests without flinching. I know it may be exclaimed now that she does not care but I think if the reality sunk in even at a 40% loss she would no...