Search found 1803 matches

by jh
Sun Oct 20, 2019 11:16 pm
Forum: Personal Finance (Not Investing)
Topic: For those who are FI: At what point did you begin to relax?
Replies: 69
Views: 8373

Re: For those who are FI: At what point did you begin to relax?

For those of you who have made it to financial Independence at what point did you begin to feel like you can relax about money and not constantly worried and under pressure? I'm going through a fairly negative time at work but I still feel like I can't truly speak my mind and "be myself" yet. Like ...
by jh
Tue Oct 08, 2019 9:17 am
Forum: Investing - Theory, News & General
Topic: Bogleheads at Schwab - will you start buying Vanguard ETFs instead?
Replies: 16
Views: 1661

Re: Bogleheads at Schwab - will you start buying Vanguard ETFs instead?

Plz wrote:
Tue Oct 08, 2019 1:15 am
You bought SCHB. Now that ETFs are free trades, are you going to stick with it as you continue to save and invest? Or will you switch to VTI?

I converted (tax free exchange) my Vanguard mutual fund shares into ETF shares and then moved them to Schwab.
by jh
Tue Oct 08, 2019 1:07 am
Forum: Personal Finance (Not Investing)
Topic: Schwab commission free vs Vanguard
Replies: 8
Views: 1399

Re: Schwab commission free vs Vanguard

With Schwab dropping commissions on all US stocks and ETFs, is there any reason to keep a brokerage account with Vanguard if Vanguard ETFs can be bought/sold at Schwab free of charge? Disadvantage of Schwab is Schwab has a $50 transfer out fee. Vanguard does not. That's all I got. I suppose they co...
by jh
Sat Sep 28, 2019 11:49 am
Forum: Personal Consumer Issues
Topic: Apple iPhone iOS 13 Discussion
Replies: 69
Views: 7466

Re: Apple iPhone iOS 13 Discussion

greenflamingo wrote:
Mon Sep 23, 2019 12:13 pm
1. Silence unknown caller is my favorite new feature. If you don't have a contact for the number, it goes straight to voicemail.

Praise Apple!!!!

YES!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!
by jh
Sat Sep 28, 2019 2:20 am
Forum: Investing - Theory, News & General
Topic: When do you see effects of compound interest on net worth?
Replies: 36
Views: 3936

Re: When do you see effects of compound interest on net worth?

At what multiple of net worth do you feel that compound interest adds to annual net worth increase more than income? I didn't feel like investment returns were helping much until I had $300k invested. It probably depends on how much money you are investing. I usually invest $2k a month. So, maybe t...
by jh
Fri Sep 27, 2019 3:07 am
Forum: Investing - Theory, News & General
Topic: What is the highest "safe" withdrawal rate for a 15 year period?
Replies: 44
Views: 3517

Re: What is the highest "safe" withdrawal rate for a 15 year period?

I played around with firecalc and it suggests I should have no problem at all retiring early. Plan A would be $434k invested 50/50 in VWALX and VTWAX and withdrawing $24k per year inflation adjusted for 15 years. Plan B would be the same except drop the withdrawals down to $18k per year either becau...
by jh
Fri Sep 27, 2019 12:00 am
Forum: Investing - Theory, News & General
Topic: Asset Allocation Approaching Age 40s
Replies: 22
Views: 2539

Re: Asset Allocation Approaching Age 40s

Age 43 here. My taxable account is 50/50 and my retirement accounts are in 60/40 balanced funds.
by jh
Thu Sep 26, 2019 2:54 am
Forum: Investing - Theory, News & General
Topic: What is the highest "safe" withdrawal rate for a 15 year period?
Replies: 44
Views: 3517

Re: What is the highest "safe" withdrawal rate for a 15 year period?

At 24k/year spending, you can get a min wage job and cover most of your expenses. That really cuts down on the risk of retiring early. The big risk would be ACA being repealed/change and you go from paying like 500/year for health insurance to paying 10k+. I also have to wonder why do you have so l...
by jh
Thu Sep 26, 2019 2:43 am
Forum: Investing - Theory, News & General
Topic: What is the highest "safe" withdrawal rate for a 15 year period?
Replies: 44
Views: 3517

Re: What is the highest "safe" withdrawal rate for a 15 year period?

Your income may be so low that taxes will be low (include state taxes) and you may get ACA insurance that is not too expensive and includes CSRs. A backup plan to go live in another country where you have never lived and have no ties may be setting yourself up for misery which seems to be the reaso...
by jh
Thu Sep 26, 2019 2:40 am
Forum: Investing - Theory, News & General
Topic: What is the highest "safe" withdrawal rate for a 15 year period?
Replies: 44
Views: 3517

Re: What is the highest "safe" withdrawal rate for a 15 year period?

With a 50:50 S&P500:10-yrTreas portfolio, with annual rebalancing, the lowest withdrawal rate that has been supported for at least 15 years has been 5.77%, when starting at the end of 1972. Neither of the funds listed in the opening post have been around for that long Thanks, that is useful data to...
by jh
Thu Sep 26, 2019 2:39 am
Forum: Investing - Theory, News & General
Topic: What is the highest "safe" withdrawal rate for a 15 year period?
Replies: 44
Views: 3517

Re: What is the highest "safe" withdrawal rate for a 15 year period?

FireProof wrote:
Wed Sep 25, 2019 4:13 pm
Easy to have more fun on 24k/year and not working than 500k/year and working 50 hours/week, unless you have a LOT of fun at work.
I completely agree.
by jh
Thu Sep 26, 2019 2:38 am
Forum: Investing - Theory, News & General
Topic: What is the highest "safe" withdrawal rate for a 15 year period?
Replies: 44
Views: 3517

Re: What is the highest "safe" withdrawal rate for a 15 year period?

pdavi21 wrote:
Wed Sep 25, 2019 4:08 pm
100% / 15 = 6.67% is really conservative. 100% TIPS yielding 0%.
Yeah, I think I would be fine even with a zero percent return.
by jh
Thu Sep 26, 2019 2:37 am
Forum: Investing - Theory, News & General
Topic: What is the highest "safe" withdrawal rate for a 15 year period?
Replies: 44
Views: 3517

Re: What is the highest "safe" withdrawal rate for a 15 year period?

If you take Bogleheads advice you will never retire, work until death because there is always a risk. If you have accurately calculated your expenses then you should be fine and you can always go back to work, at least part time. But if your budget doesnt have any fun then life is going to be reall...
by jh
Thu Sep 26, 2019 2:32 am
Forum: Investing - Theory, News & General
Topic: What is the highest "safe" withdrawal rate for a 15 year period?
Replies: 44
Views: 3517

Re: What is the highest "safe" withdrawal rate for a 15 year period?

You will have to take your own view on this, but are those innovations in US healthcare likely to survive another 5 years? For example things have changed in US courts since then. Worth actually finding out whether you could stand to live in one of those countries? I think Obamacare is here to stay...
by jh
Tue Sep 24, 2019 12:17 pm
Forum: Investing - Theory, News & General
Topic: What is the highest "safe" withdrawal rate for a 15 year period?
Replies: 44
Views: 3517

Re: What is the highest "safe" withdrawal rate for a 15 year period?

I think you are grossly underestimating health insurance costs. Even with ACA you will likely see them increase as you get older. Have your priced it out at 55,59,64? We are planning for ER in our mid 50's. Healthcare will easily be 12% of our annual budget. Likely more. Vic I've looked into "obama...
by jh
Tue Sep 24, 2019 11:55 am
Forum: Investing - Theory, News & General
Topic: What is the highest "safe" withdrawal rate for a 15 year period?
Replies: 44
Views: 3517

Re: What is the highest "safe" withdrawal rate for a 15 year period?

"Lifestyle" does not necessarily mean "money." It can mean freedom, choice, independence, travel, goal setting, volunteerism, and many other things. It sounds to me like a mid life crisis. Think about the things you do that you enjoy, and how you might be able to make those things into a (low-payin...
by jh
Tue Sep 24, 2019 11:45 am
Forum: Investing - Theory, News & General
Topic: What is the highest "safe" withdrawal rate for a 15 year period?
Replies: 44
Views: 3517

Re: What is the highest "safe" withdrawal rate for a 15 year period?

"Accept it and die" strikes me as easy to say now, but perhaps not at age 50 if you become ill. Call your employer and have them run a pension calculation. 5.8% is possible, sure. Anything is possible. But the danger is largely sequence of returns. Your portfolio would be severely depleted if we ha...
by jh
Tue Sep 24, 2019 11:30 am
Forum: Investing - Theory, News & General
Topic: What is the highest "safe" withdrawal rate for a 15 year period?
Replies: 44
Views: 3517

Re: What is the highest "safe" withdrawal rate for a 15 year period?

Your plan could work, but better income can improve your lifestyle. Maybe you want to look for opportunities related to your IT skills. Do something not exactly the same as before. My w-2 income is around $73k a year and my living expenses are around $24k per year. If I wasn't happy with my standar...
by jh
Tue Sep 24, 2019 11:11 am
Forum: Investing - Theory, News & General
Topic: What is the highest "safe" withdrawal rate for a 15 year period?
Replies: 44
Views: 3517

Re: What is the highest "safe" withdrawal rate for a 15 year period?

Admiral, yes it includes health insurance provided I have no major health issues. If I start having health issues who knows how high it could get, at that point its out of my control regardless of how much money I socked away. Being completely serious here. If I get a major health issue I will proba...
by jh
Tue Sep 24, 2019 10:55 am
Forum: Investing - Theory, News & General
Topic: What is the highest "safe" withdrawal rate for a 15 year period?
Replies: 44
Views: 3517

Re: What is the highest "safe" withdrawal rate for a 15 year period?

Actually, if I just take $24,000 times 15 I get $360,000 which is $74,000 less than my principal of $434,000.

So, as long as my asset allocation can keep up with inflation, then I have more than enough.
by jh
Tue Sep 24, 2019 10:42 am
Forum: Investing - Theory, News & General
Topic: What is the highest "safe" withdrawal rate for a 15 year period?
Replies: 44
Views: 3517

Re: What is the highest "safe" withdrawal rate for a 15 year period?

Thanks for the link delamer. Looking at the three pictures in the worst case scenario a 6% withdrawal rate had a 93% success, and in the other two pictures it was 100%. So, thanks. This is interesting... "For a payout of 15 years or less, a withdrawal rate of 8 to 9 percent from a stock-dominated po...
by jh
Tue Sep 24, 2019 10:28 am
Forum: Investing - Theory, News & General
Topic: What is the highest "safe" withdrawal rate for a 15 year period?
Replies: 44
Views: 3517

What is the highest "safe" withdrawal rate for a 15 year period?

I'm thinking about retiring early in two years at age 45. I only need my taxable account assets to last me until age 60 as Ill have 20 years in a pension that I can start to withdraw from at that point. The pension has a 3% COLA and is well managed/funded. I estimate that the pension is currently wo...
by jh
Sat Sep 21, 2019 9:26 pm
Forum: Investing - Theory, News & General
Topic: Swedroe Advocates: LENDX, SRRIX, AVRPX, QRPRX/QSPRX
Replies: 119
Views: 7403

Re: Swedroe Advocates: LENDX, SRRIX, AVRPX, QRPRX/QSPRX

- Alternative Lending (LENDX) - Reinsurance (SRRIX) - Variable Risk Premium (AVRPX) - Alternative Risk Premium (QRPRX/QSPRX). Anyone know how a non-millionaire investor can get access to these or equivalents? I have accounts with Vanguard and Schwab. At Vanguard I use the Managed Payout which gives...
by jh
Tue Sep 10, 2019 1:07 am
Forum: Personal Finance (Not Investing)
Topic: In retirement, a $100 monthly expense needs $30,000 in your portfolio
Replies: 68
Views: 7030

Re: In retirement, a $100 monthly expense needs $30,000 in your portfolio

This is why I would probably need to expat if I wanted to retire right now.
by jh
Sat Sep 07, 2019 11:04 pm
Forum: Investing - Theory, News & General
Topic: Does the US dollar mean revert?
Replies: 36
Views: 1852

Re: Does the US dollar mean revert?

I ask because, if it did, it would make sense to buy ex-US stock preferentially when the US dollar is relatively strong, since you would be buying stock relatively cheaply. If it does mean revert, how do you measure that? Thanks! The world's reserve currency has changed many times. At some point it...
by jh
Sat Sep 07, 2019 10:47 pm
Forum: Investing - Theory, News & General
Topic: Rethinking the role of bonds in AA
Replies: 28
Views: 3891

Re: Rethinking the role of bonds in AA

I prefer a dividend growth strategy, and I'm usually close to 100% equities. So, I have just been a curious observer of the madness that's been going on in the bond markets, for the last decade. Zero interest rates and negative yields are crazy. Vanguard's Alternative Strategy fund has been doing pr...
by jh
Sat Sep 07, 2019 9:46 pm
Forum: Investing - Theory, News & General
Topic: [Leveraged ETFs vs. Bogleheads Investment Philosophy]
Replies: 113
Views: 4506

Re: Leveraged ETF messages

Its insulting to me when someone I don't even know wants to prevent me from having access to information. The assumption is that I am not smart enough or mature enough to have access to it. Its extremely arrogant for someone to decide on their own what strangers can/should be able to read about.
by jh
Fri Sep 06, 2019 12:19 am
Forum: Personal Investments
Topic: Looking for stream of dividends
Replies: 61
Views: 5288

Re: Looking for stream of dividends

Fredo1, For stocks I would recommend Vanguard's High Dividend Yield Index. They have a US and Foreign one. Right now the US has a yield of around 3.12% and the foreign one around 4.40%. Both of these can be purchased as funds or etfs. The dividend growth rate on each should be around 6%-8% per year ...
by jh
Wed Sep 04, 2019 11:28 pm
Forum: Investing - Theory, News & General
Topic: 3 fund people how are you feeling?
Replies: 112
Views: 13052

Re: 3 fund people how are you feeling?

Two fund person checking in here (I use VYM & VYMI). I'm feeling great.

US stocks are priced a little more reasonably, and foreign stocks are at bargain prices.

Its a great time to be buying foreign equities.
by jh
Wed Sep 04, 2019 11:17 pm
Forum: Personal Investments
Topic: Has the bond bubble finally arrived? If so, is anyone doing anything about it?
Replies: 94
Views: 10470

Re: Has the bond bubble finally arrived? If so, is anyone doing anything about it?

fredflinstone, I don't know if its a bond bubble, but it certainly makes no sense to me to waste money on bonds. With Vanguard's High Div Yield Idx funds you can get 3.12% on the US stock fund and 4.43% on the foreign fund. Also these pay qualified dividends and will most likely grow around 6%-8% pe...
by jh
Wed Sep 04, 2019 11:10 pm
Forum: Personal Investments
Topic: Middle Age people with low savings need to take on more investment risk than is normal?
Replies: 52
Views: 5797

Re: Middle Age people with low savings need to take on more investment risk than is normal?

GR8FUL-D,

Serious advice here. I would encourage her to learn Spanish and plan on moving to Mexico or equivalent once she can access social security. The easiest way to double her money is to move outside the US.
by jh
Wed Sep 04, 2019 10:26 pm
Forum: Personal Finance (Not Investing)
Topic: Some Computer Science Career Advise?
Replies: 56
Views: 4791

Re: Some Computer Science Career Advise?

bouncyboglehead, I'm a paranoid and very cautious person. I don't blame you at all for looking for another offer and bringing that up as a negotiation tactic. Unfortunately, it didn't work. They balked. So, IMHO the die is cast, and you should leave. I hope you realized from the beginning that when ...
by jh
Wed Aug 21, 2019 2:51 pm
Forum: Investing - Theory, News & General
Topic: Preferred Stock
Replies: 27
Views: 1675

Re: Preferred Stock

I do invest in preferred stocks, but don't have much in them right now. One good thing about them is that they can pay qualified dividends. If the common stock pays qualified divs then the preferred usually does as well. I am planning on adding a good amount of preferreds and municipal bonds to my t...
by jh
Wed Sep 10, 2014 9:03 pm
Forum: Investing - Theory, News & General
Topic: Why did REITs drop today?
Replies: 26
Views: 5630

Re: Why did REITs drop today?

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by jh
Mon Sep 08, 2014 5:33 pm
Forum: Personal Finance (Not Investing)
Topic: If you had an extra $100,000
Replies: 68
Views: 9604

Re: If you had an extra $100,000

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by jh
Mon Sep 08, 2014 5:20 pm
Forum: Investing - Theory, News & General
Topic: Poll: Cash Holdings
Replies: 65
Views: 5149

Re: Poll: Cash Holdings

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