Search found 4403 matches

by Noobvestor
Thu Aug 03, 2017 1:41 am
Forum: Personal Finance (Not Investing)
Topic: A poll: How much money do you want to retire?
Replies: 270
Views: 21095

Re: A poll: How much money do you need to retire?

Would like $3,000,000 ideally - very flexible in that situation ($120,000/year SWR - me and a sig other with no income), but probably only need more like 2-2.5 to do most of what I want to do from year to year without any real worry (except maybe a home in a HCOL area). With luck, I'll be there in t...
by Noobvestor
Thu Aug 03, 2017 1:27 am
Forum: Investing - Theory, News & General
Topic: What's the ideal safe retirement net worth target?
Replies: 225
Views: 32778

Re: What's the ideal safe retirement net worth target?

Setting aside the two *additional* properties, I would love to know where in the Bay you can have a 2500 SF home on a quarter acre with a view of the Bay and the city for less than, say, 1MM (I'm assuming the other 1MM is tied up in the other two properties and liquid spending needs). I'm casting m...
by Noobvestor
Thu Aug 03, 2017 1:21 am
Forum: Investing - Theory, News & General
Topic: Is now time to move into international stocks?
Replies: 57
Views: 6569

Re: Is now time to move into international stocks?

Nothing changes on my end. I don't own any international stocks or bonds. A simple two fund all U.S. 60/40 portfolio or one fund Vanguard Balanced Index Fund is all you need. Stay the Course and keep it Simple!! Vanguard Total World Stock + Total Bond Market is as simple or simpler. The main reason...
by Noobvestor
Thu Aug 03, 2017 1:19 am
Forum: Local Chapters and Bogleheads Community
Topic: Your USER NAME...what does it mean?
Replies: 369
Views: 28784

Re: Your USER NAME...what does it mean?

Lieutenant.Columbo wrote:
Noobvestor wrote:It means I lack foresight.
maybe, but you're witty


:beer
by Noobvestor
Mon Jul 17, 2017 2:37 am
Forum: Investing - Theory, News & General
Topic: Is now time to move into international stocks?
Replies: 57
Views: 6569

Re: Is now time to move into international stocks?

Many large US companies have significant international operations, so US stock markets are already somewhat international. Emerging markets seem riskier to me, and Europe has Brexit, PIGS, and diversity problems. If I were young or a billionaire, I'd be happy to gamble on international stocks becau...
by Noobvestor
Mon Jul 17, 2017 2:33 am
Forum: Investing - Theory, News & General
Topic: Is now time to move into international stocks?
Replies: 57
Views: 6569

Re: Is now time to move into international stocks?

Global market is around 50/50 US, give or take - has been for years. If you know better than the total market, tilt away (or toward or whatever)! If you don't (hint: you don't) maybe start with something like that, which, incidentally, is pretty neutral (no temptation to add or subtract a bit and ma...
by Noobvestor
Wed Jul 05, 2017 11:24 pm
Forum: Investing - Theory, News & General
Topic: What's the ideal safe retirement net worth target?
Replies: 225
Views: 32778

Re: What's the ideal safe retirement net worth target?

$10M is a very standard number that people talk about in the Bay Area. That means decent but not too big house, small property in the mountain and some money in the bank. Nothing very fancy, pretty much basic stuff. More and more i hear 50M as THE Number. (In each bubble the number goes up, then it...
by Noobvestor
Wed May 24, 2017 11:42 pm
Forum: Investing - Theory, News & General
Topic: Robo investing for the richer folks
Replies: 2
Views: 782

Re: Robo investing for the richer folks

The robos have a lot of advantages: 1) Automation and anti-Wall Street sentiments of younger folks 2) These younger folks don't have as much money yet, so AUM isn't really an issue 3) They can always ratchet up the prices later 4) Leaving a robo may mean tax headaches (cost basis tracking, etc...) I...
by Noobvestor
Wed May 24, 2017 11:36 pm
Forum: Investing - Theory, News & General
Topic: The dot com "do over" bull market?
Replies: 82
Views: 8459

Re: The dot com "do over" bull market?

Juicero? Uber? There's a lot more venture capital available now, so tech-based startups can get very large on private investment before ever doing an IPO. Never heard of Juicero - just tried to look it up and doesn't seem to be publicly traded? Probably start here: m CEO's response: m Honestly, I h...
by Noobvestor
Wed May 17, 2017 12:29 am
Forum: Investing - Theory, News & General
Topic: What Will Burst the Next Bubble?
Replies: 66
Views: 7147

Re: What Will Burst the Next Bubble?

I'm not sure how to attach an image so I'll just link it below. I know this has been posted on this forum before (Investor Equity Allocation vs 10 year SPX return). May offer some insight into return expectations going forward. http://www.philosophicaleconomics.com/2013/12/the-single-greatest-predi...
by Noobvestor
Mon Apr 24, 2017 10:50 pm
Forum: Investing - Theory, News & General
Topic: Larry Swedroe says "Goodbye."
Replies: 336
Views: 39928

Re: Larry Swedroe says "Goodby."

Pretty sure my signature line says it all! Thanks for everything, Larry.
by Noobvestor
Fri Apr 21, 2017 12:03 am
Forum: Investing - Theory, News & General
Topic: I don't understand the case for EE bonds
Replies: 321
Views: 20189

Re: I don't understand the case for EE bonds

I recently bought a 7-year CD at 3%. I'd much rather take this bet than have to hold for 20 years to get 3.5%. If I can earn 4% for the remaining 13 years after the CD matures, I end up making 3.65%. Or maybe a CD will come along in less than 7 years with a rate high enough to justify paying the 1....
by Noobvestor
Fri Apr 21, 2017 12:00 am
Forum: Investing - Theory, News & General
Topic: I don't understand the case for EE bonds
Replies: 321
Views: 20189

Re: I don't understand the case for EE bonds

3.5% rate - higher than comparable treasuries (currently 2.6%) Tax-deferred until you cash them out Option to ditch out in the first few years if rates go up enough (but I started buying in 2012 and it's been a great deal) Nice way to balance out I Bonds (split 50/50 and it's 50/50 nominal/inflation...
by Noobvestor
Mon Apr 17, 2017 9:53 pm
Forum: Investing - Help with Personal Investments
Topic: [Advice needed for mother's inheritance/finances.]
Replies: 129
Views: 14659

Re: Too much inheritance to handle. Advice needed

With the brokerage account, you will have tax consequences if you sell existing assets. So don't rush into selling until you understand the taxes you will owe. Better to leave things as they were before your father died. You could consult a CPA if needed. If there was an attorney who helped settle ...
by Noobvestor
Mon Apr 17, 2017 9:10 pm
Forum: Investing - Help with Personal Investments
Topic: [Advice needed for mother's inheritance/finances.]
Replies: 129
Views: 14659

Re: Too much inheritance to handle. Advice needed

With the brokerage account, you will have tax consequences if you sell existing assets. So don't rush into selling until you understand the taxes you will owe. Better to leave things as they were before your father died. You could consult a CPA if needed. If there was an attorney who helped settle ...
by Noobvestor
Mon Apr 17, 2017 12:03 am
Forum: Investing - Help with Personal Investments
Topic: Why invest in International Index Fund?
Replies: 39
Views: 4159

Re: Why invest in International Index Fund?

I am not sure I understand. But the past shows solid evidence of better returns, what suppose to change in the future? Its all buying stocks anyway. If domestic stocks go down, international stocks go down too. Vice versa if stocks go up. If it doesn't matter, then stay diversified. Your 'stocks an...
by Noobvestor
Thu Mar 30, 2017 12:40 am
Forum: Investing - Theory, News & General
Topic: How much international stock? A suggestion.
Replies: 201
Views: 32515

Re: John Bogle on international

"If there's one place I don't want people to take my advice, it's international. I want you to think it through for yourself." - Jack Bogle at Bogleheads 11 in 2012. https://www.bogleheads.org/forum/viewtopic.php?t=104781 As for Buffett ... that guy's got so much money he could leave it i...
by Noobvestor
Sun Mar 26, 2017 12:58 am
Forum: Personal Consumer Issues
Topic: Anyone taken a mid-career sabbatical?
Replies: 38
Views: 5523

Re: Anyone taken a mid-career sabbatical?

I haven't taken a true break since before grad school, but I have let work ebb and flow. I ran a series of (digital) businesses for a while, then sold a few and kept a few, took it easier for a bit. During that period I'd do things like: travel for a month to a city where I have friends, rent a plac...
by Noobvestor
Sat Mar 25, 2017 5:45 pm
Forum: Investing - Theory, News & General
Topic: I-Bonds Fixed Rate
Replies: 6
Views: 1313

Re: I-Bonds Fixed Rate

For the first 10 years, the I Bond fixed rate hovered around 1% below what the 10-year TIPS rate were/would have been. However, that was just empirical, with the actual rate setting logic a black box which it still is today. If you consider that people in those first ten years were perfectly happy ...
by Noobvestor
Wed Mar 22, 2017 12:06 am
Forum: Investing - Help with Personal Investments
Topic: Does Vanguard have contrarian funds ?
Replies: 25
Views: 2214

Re: Does Vanguard have contrarian funds ?

I am worried about a crash so where can I dump a significant Vanguard portfolio in to once I see signals of a pullback or recession? I do not want to ride out a 20% pullback? Too old! Well if I wanted a 'contrarian' fund at Vanguard for stocks, I'd go with EDV - extended-duration treasuries. Those ...
by Noobvestor
Tue Mar 21, 2017 1:40 am
Forum: Investing - Theory, News & General
Topic: the important asset that many fail to consider in portfolio construction/allocation
Replies: 15
Views: 3308

Re: the important asset that many fail to consider in portfolio construction/allocation

I dunno ... in theory, I could work for a long time and make a lot of money (high human cap), but I've also considered retiring early (low human cap). I guess it's an easier calculation for someone who just assumes they're going to work until X age. For me it's uncertain - I like working, but if I s...
by Noobvestor
Tue Mar 14, 2017 12:01 am
Forum: Investing - Help with Personal Investments
Topic: Move my Traditional IRA from Ameriprise to where?
Replies: 8
Views: 922

Re: Move my Traditional IRA from Ameriprise to where?

1) Yes
2) Yes
3) I like Vanguard. Some people find their customer service lacking. Fidelity is another option.
4) Index mutual funds or ETFs. When in doubt, there are always Target Retirement funds too.

This might help: https://www.bogleheads.org/wiki/Boglehe ... art-up_kit
by Noobvestor
Mon Mar 13, 2017 11:57 pm
Forum: Personal Finance (Not Investing)
Topic: Vanguard - Money Market Funds
Replies: 16
Views: 2754

Re: Vanguard - Money Market Funds

Still too much hassle for me - I'll take lazy over a bit more return on cash.
by Noobvestor
Mon Mar 13, 2017 11:53 pm
Forum: Investing - Help with Personal Investments
Topic: Vang. High Yield Tax Exempt Fund Admiral Shares
Replies: 16
Views: 1424

Re: Vang. High Yield Tax Exempt Fund Admiral Shares

Dear all, 1. I purchased a lot of shares in this fund last July, when shares were at their highest. As of now, I get monthly income from this fund but all in all, I lost nearly 5K. It's down about 60 cent a share and has not really moved in the last 3-4 months. Should I keep this fund or get rid of...
by Noobvestor
Sun Mar 12, 2017 10:37 pm
Forum: Investing - Theory, News & General
Topic: Estimated Quarterly Tax Payments and Capital Gains Distributions
Replies: 8
Views: 809

Re: Estimated Quarterly Tax Payments and Capital Gains Distributions

If you use the prior year taxes as a guide and pay estimated taxes of the same amount in equal payments (or 110% if AGI>150K in prior yr), you will meet the "safe harbor" conditions and will not be penalized even if income /taxes in current yr are higher. Of course, there will be a balanc...
by Noobvestor
Sun Mar 12, 2017 3:57 pm
Forum: Investing - Theory, News & General
Topic: Estimated Quarterly Tax Payments and Capital Gains Distributions
Replies: 8
Views: 809

Re: Estimated Quarterly Tax Payments and Capital Gains Distributions

Hello! As I begin retirement planning, I am wondering how to handle estimated quarterly tax payments. I will receive interest, dividends, and capital gains on my funds. It appears that if I do not pay sufficient estimated quarterly tax, I would pay a penalty. How are capital gains handled when payi...
by Noobvestor
Sun Mar 12, 2017 3:35 pm
Forum: Investing - Help with Personal Investments
Topic: Updated portfolio review (2 years later)
Replies: 4
Views: 879

Re: Updated portfolio review (2 years later)

Thanks for the input Noob. I appreciate it. Just to clarify, the 401K list is just available funds. My entire 401K is Vanguard Retirement 2020. My question regarding the 401K was that that fund has a higher expense ratio, so with that kind of balance, perhaps I shroud split the investments into fun...
by Noobvestor
Sat Mar 11, 2017 3:35 am
Forum: Investing - Help with Personal Investments
Topic: New to investment and need help! Thank you!
Replies: 18
Views: 1248

Re: New to investment and need help! Thank you!

Thank you for your quick response! Actively managed funds and targeted-date funds are the same? Or do you mean Thomas Partners? Actively-managed funds with high expense ratios (over .20% to keep it simple) are just not going to help your cause. Target-date funds are sometimes slightly more expensiv...
by Noobvestor
Sat Mar 11, 2017 3:28 am
Forum: Investing - Help with Personal Investments
Topic: Vanguard vs. Schwab vs. T. Rowe Price vs. Fidelity
Replies: 24
Views: 3926

Re: Vanguard vs. Schwab vs. T. Rowe Price vs. Fidelity

I have some extra saving I would like to put into investment. I am a newbie into investment. 1. vanguard vs. Schwab vs. T.Rowe Price vs. Fidelity,which one should I with? Fidelity has the tax deferred annuity which gives me a tax break as I am in the high tax bracket. 2. Which portfolio should I go...
by Noobvestor
Sat Mar 11, 2017 3:12 am
Forum: Investing - Help with Personal Investments
Topic: ETF Bond Fund for Roth IRA
Replies: 3
Views: 531

Re: ETF Bond Fund for Roth IRA

I'm a Vanguard man, so consider me biased, but I like Total Bond (I think it's BND as an ETF).
by Noobvestor
Sat Mar 11, 2017 3:11 am
Forum: Personal Finance (Not Investing)
Topic: Vanguard taxable - changes?
Replies: 3
Views: 773

Re: Vanguard taxable - changes?

Pretty sure they're forcing the upgrade on everyone. I haven't had any issues myself.
by Noobvestor
Sat Mar 11, 2017 3:09 am
Forum: Investing - Help with Personal Investments
Topic: Life Changes Warrant Portfolio Check (Divorce, Salary Cut, Better 401k)
Replies: 1
Views: 408

Re: Life Changes Warrant Portfolio Check (Divorce, Salary Cut, Better 401k)

As with most portfolios these days (all hail the great decade in US stocks!) you seem light on international (it's 50% of the market). There are some odds and ends you don't need, like Extended Market (why not just Small Cap or Small Cap Value?) and High Dividend Yield (why not Value or Total Stock?...
by Noobvestor
Sat Mar 11, 2017 3:02 am
Forum: Investing - Help with Personal Investments
Topic: Vanguard All-in-one to 3 fund portfolio: advice for planning?
Replies: 2
Views: 706

Re: Vanguard All-in-one to 3 fund portfolio: advice for planning?

1. Hard to say. For that horizon you should be leaning toward bonds. 2. Vanguard Total Stock and Vanguard Total International are both good in taxable. There's some quibbles about foreign tax credits, etc... and some suggest International if you're on the fence. 3. I'd be reluctant to populate the R...
by Noobvestor
Sat Mar 11, 2017 2:54 am
Forum: Investing - Help with Personal Investments
Topic: Updated portfolio review (2 years later)
Replies: 4
Views: 879

Re: Updated portfolio review (2 years later)

1. Her IRA doesn't really need short-term or international bonds, but whatever. 2. Lots of confusion in the 401ks - bunch of overlapping funds - why not simplify? 3. I'd sell the individual stock - it's done well, cash in and consider yourself lucky. 4. If the cash is for a short-term project it's n...
by Noobvestor
Sat Mar 11, 2017 2:45 am
Forum: Investing - Help with Personal Investments
Topic: New to investment and need help! Thank you!
Replies: 18
Views: 1248

Re: New to investment and need help! Thank you!

1) ETFs versus mutual funds is virtually apples to apples - doesn't really matter - but your Schwab holdings right now are too complex 2) In your taxable account, stick to total-stock and total-international funds, maybe intermediate-term tax-exempt bonds 3) Stock/bond allocation is up to you. Age-i...
by Noobvestor
Sat Mar 11, 2017 2:34 am
Forum: Investing - Help with Personal Investments
Topic: AQR in 401k
Replies: 4
Views: 446

Re: AQR in 401k

I am one of the trustees of our small company 401k. I believe that we have access to AQR through our platform but we do not currently use any of their funds in our menu. I don't know if the minimum investment available to us is practical either as I've not investigated that. That said, is there an ...
by Noobvestor
Mon Mar 06, 2017 2:45 am
Forum: Investing - Theory, News & General
Topic: international bonds a good idea?
Replies: 20
Views: 2330

Re: international bonds a good idea?

No benefit I can see but I also would accept them if I were trying to simplify with a fund-of-funds (like a Target Date fund).
by Noobvestor
Sun Mar 05, 2017 3:13 am
Forum: Investing - Help with Personal Investments
Topic: Portfolio & Financial Health Check
Replies: 2
Views: 444

Re: Portfolio & Financial Health Check

1) Looks good. I'd sell the company stock ASAP, but that's just me (double-down risk). 2) Could use I Bonds for some of the taxable space (tax-deferred until you cash them in) 3) You might eek out small gains by avoiding Target Date funds depending on what's available. Breaking those up might also a...
by Noobvestor
Sun Mar 05, 2017 2:49 am
Forum: Investing - Help with Personal Investments
Topic: Swensen - Why does he recommend Emerging Markets and Developed Markets for Int'l?
Replies: 11
Views: 1454

Re: Swenson - Why does he recommend Emerging Markets and Developed Markets for Int'l?

Could be to tilt toward EM, but it doesn't look like it. Could also be to get some kind of rebalancing 'bonus'. Doesn't seem important tho.
by Noobvestor
Wed Mar 01, 2017 2:11 am
Forum: Investing - Theory, News & General
Topic: Treating I-Bonds as Long-term Bond Holdings
Replies: 19
Views: 2349

Re: Treating I-Bonds as Long-term Bond Holdings

I don't know if they'd be the 'last' bonds I would sell. Part of their value is the flexibility of cashing them in. For instance, I might cash some in during a lower-tax phase of life (e.g. after retirement but before SS). The rest I largely agree with, though.
by Noobvestor
Mon Feb 27, 2017 8:30 pm
Forum: Investing - Theory, News & General
Topic: Why has Vanguard increased International Stock and International Bond in Balanced Funds and Portfolio Recommendations?
Replies: 33
Views: 4666

Re: Why has Vanguard increased International Stock and International Bond in Balanced Funds and Portfolio Recommendation

It can't do this with currency risk, because there isn't a unified one-currency world market and not all participants need to take that risk. I don't need to take currency risk in order to invest in Vanguard Total [US] Stock, a German investor does. Why should US investors "price in" some...
by Noobvestor
Mon Feb 27, 2017 2:31 am
Forum: Investing - Theory, News & General
Topic: Why has Vanguard increased International Stock and International Bond in Balanced Funds and Portfolio Recommendations?
Replies: 33
Views: 4666

Re: Why has Vanguard increased International Stock and International Bond in Balanced Funds and Portfolio Recommendation

Lots of answers already given cover much of what I would say. I would just like to add, though, that people who go back and forth on this, or call it a trend or whatnot ... the thing is: the global market is cheaply and easily accessible now in a way it wasn't not that long ago. There's no need to d...
by Noobvestor
Thu Feb 23, 2017 2:01 pm
Forum: Investing - Help with Personal Investments
Topic: Where to put bonds with only a Taxable Account & IRAs?
Replies: 9
Views: 1101

Re: Where to put bonds with only a Taxable Account & IRAs?

Consider IBonds as part of your fixed income allocation. These are no-risk, inflation-protected government bonds. There a few simple rules about owning and redeeming them. You can hold them for several years or several decades: your choice. These will expand your tax-deferred space. You pay federal...
by Noobvestor
Tue Feb 21, 2017 3:46 pm
Forum: Investing - Help with Personal Investments
Topic: Long term treasury ? Pros and Cons
Replies: 15
Views: 1370

Re: Long term treasury ? Pros and Cons

But does barbelling here make sense? Seems like the anti-sweet spot to me, if you want intermediate-term exposure on average. I'd need to think more about it and check more data, but on a very quick check the last ~15 years: m With long bonds you get much higher vol without much additional expected...
by Noobvestor
Tue Feb 21, 2017 3:08 am
Forum: Investing - Help with Personal Investments
Topic: Long term treasury ? Pros and Cons
Replies: 15
Views: 1370

Re: Long term treasury ? Pros and Cons

I agree w/Dancer - I see the appeal of long bonds to hedge downturns, but you can barbell and get some of each: short bonds that will hold up to inflation and long bonds that will help with deflation, all at an average duration that is somewhat more reasonable than just long bonds. I personally stic...
by Noobvestor
Wed Feb 15, 2017 10:33 pm
Forum: Investing - Help with Personal Investments
Topic: Roth vs. Traditional 401(k) for someone with LOTS in taxable?
Replies: 41
Views: 3168

Re: Roth vs. Traditional 401(k) for someone with LOTS in taxable?

Another way to develop an understanding is to work through the Schedule D worksheet or Capital Gain and Qualified Dividends worksheet, and pay careful attention to how the numbers that are taxed at 15% (QD & LTCG and ordinary income) change as you add income. If the article Kevin M referenced d...
by Noobvestor
Wed Feb 15, 2017 10:23 pm
Forum: Investing - Theory, News & General
Topic: C corp investment strategy
Replies: 11
Views: 925

Re: C corp investment strategy

I can't speak to C-corp taxation strategies, but I would be sleepless with so much riding on one company They own a business. The big Apple position is like a very successful division. Why would business people stay up nights worrying about the possibility of a successful division of their company ...
by Noobvestor
Wed Feb 15, 2017 10:18 pm
Forum: Investing - Help with Personal Investments
Topic: why invest internationally?
Replies: 72
Views: 4300

Re: why invest internationally?

So are you investing in Australian and South African stocks? Or are you hoping that Japan, the U.K., and France will carry the day over the next decade? I have a globally diversified portfolio, including all of the countries mentioned and many others. I do not only invest in the particular countrie...
by Noobvestor
Tue Feb 14, 2017 11:20 pm
Forum: Investing - Theory, News & General
Topic: C corp investment strategy
Replies: 11
Views: 925

Re: C corp investment strategy

Thanks for the reply. The only reason we're not sleepless is because we were never really counting on this to begin with, for better or worse, the investment account has never been factored into our business plans. Yeah, maybe selling across multiple tax years so we don't have to either issue a lar...
by Noobvestor
Tue Feb 14, 2017 10:05 pm
Forum: Investing - Help with Personal Investments
Topic: Portfolio Advice
Replies: 4
Views: 741

Re: Portfolio Advice

Hard to say much without knowing expense ratios, but a target date fund probably makes sense for the 401k. Would recommend bonds and international diversification in general, given everything right now is in US stocks. I don't see any need, though, to change what's in the taxable account and add tax...