Search found 367 matches

by dh
Wed Sep 11, 2019 10:08 pm
Forum: Personal Finance (Not Investing)
Topic: Help Understanding HSA Contribution Limit - Mid Year Insurance Change
Replies: 14
Views: 1017

Re: Help Understanding HSA Contribution Limit - Mid Year Insurance Change

are you saying that I can only contribute the full amount ($4,500) on December 1, 2019? I was hoping to do it now and still take advantage of the last month rule from this point (Sept 2019) forward. No, while the last month rule only becomes available when you are an HSA eligible individual on 12/1...
by dh
Wed Sep 11, 2019 8:58 pm
Forum: Personal Finance (Not Investing)
Topic: Help Understanding HSA Contribution Limit - Mid Year Insurance Change
Replies: 14
Views: 1017

Re: Help Understanding HSA Contribution Limit - Mid Year Insurance Change

If you have a self-only HDHP, your prorated contribution limit = ($3500 + $1000 = $4,500) * 6 / 12 = $2,250. If you are covered by a self-only HDHP on 12/1/2019, you can contribute the full $4,500 for 2019 under the last month rule. However, if you do not remain covered until the end of the 12/1/20...
by dh
Wed Sep 11, 2019 12:56 pm
Forum: Personal Finance (Not Investing)
Topic: Help Understanding HSA Contribution Limit - Mid Year Insurance Change
Replies: 14
Views: 1017

Re: Help Understanding HSA Contribution Limit - Mid Year Insurance Change

I appreciate those of you who have expertise on HSA's. I switched my employer's coverage to a high deductible plan on July 1, 2019. I was over the age of 55 for all of 2019. Now that I am about to set up my HSA at Fidelity (independent of my employer), I understand that I can contribute $4,500 for 2...
by dh
Thu Sep 05, 2019 11:34 am
Forum: Investing - Theory, News & General
Topic: REITS no longer cheap
Replies: 49
Views: 7049

Re: REITS no longer cheap

grok87 wrote:
Sat Aug 03, 2019 3:18 pm
thanks. i think they are just milking the cow.
I think you are right, Grok. I have appreciate my past TREA holding. Sadly, my system pulled the plug on any more purchases into TREA. It seems that many states are eliminating it as a potential holding. :(
by dh
Mon Aug 12, 2019 8:36 am
Forum: Personal Investments
Topic: I'm 31, and 95% stocks. Given economy indicators, would moving 20-30% to BND be "timing"?
Replies: 67
Views: 6262

Re: I'm 31, and 95% stocks. Given economy indicators, would moving 20-30% to BND be "timing"?

Jack Bogle himself says he sold his stocks in year 2000 because valuations did not make any sense to him in those years. :shock: https://youtu.be/k6ra5POdsYg Minute 2:57 "I said, you know... with bonds yielding around 7% today, stocks yielding around 1%... stock market being at that point closer to...
by dh
Sat Aug 10, 2019 10:49 am
Forum: Investing - Theory, News & General
Topic: The fallacy of Dollar Cost Averaging
Replies: 101
Views: 8491

Re: The fallacy of Dollar Cost Averaging

It depends ... The evidence that lump sum tends to have better returns than DCA. Yet, there are past periods where that did not hold and no one knows what will happen going forward. I am not a big fan of DCA'ing, but Edleson's book on value averaging is an interesting read even if you don't want to ...
by dh
Fri Aug 09, 2019 9:55 pm
Forum: Personal Investments
Topic: Rebalancing or market timing
Replies: 9
Views: 688

Re: Rebalancing or market timing

I usually rebalance my portfolio once a year around December. With the market up about 17%, a crazy couple of weeks, and who knows what tweet or tariff coming down the pike, should I rebalance now to lock in that great return or wait until December. I'm very tempted to wait, but I don't want to be ...
by dh
Sun Jul 07, 2019 8:21 am
Forum: Personal Investments
Topic: Under age 50 and have a stock allocation less than 50%?
Replies: 25
Views: 2675

Re: Under age 50 and have a stock allocation less than 50%?

Making a plan, setting goals, and sticking to your plan is key. My overriding goal is to meet income my needs, by taking as little risk as possible. Good luck to us all! :sharebeer
by dh
Wed Jul 03, 2019 7:00 pm
Forum: Personal Investments
Topic: dodge&cox vs vanguard intl
Replies: 6
Views: 613

Re: dodge&cox vs vanguard intl

If the OP is comparing Dodge and Cox International to Vanguard's International Index, the expense ratios are not even close. However, I sensed that the OP was asking about the International Value fund. While closer, Vanguard's International Value has a lower expense ratio. I do own both fund in vari...
by dh
Sat Jun 29, 2019 8:42 pm
Forum: Investing - Theory, News & General
Topic: What do you hold in your IRA and Why?
Replies: 48
Views: 3560

Re: What do you hold in your IRA and Why?

I am going to preface my response in saying that my IRA only represents 3.7% of my overall portfolio (the majority is in my tax deferred DC plan, with the remaining percentage in my Roth and taxable holdings). So having said that, my IRA is 100% in Emerging Markets.
by dh
Tue Jun 25, 2019 7:05 pm
Forum: Investing - Theory, News & General
Topic: RIP to value investing...
Replies: 44
Views: 5905

Re: RIP to value investing...

There will be a "winner" every single year.
https://www.callan.com/periodic-table/
The problem is figuring out the "winner" in any given year. Thus, Bogleheads diversify. Best wishes all! :sharebeer
by dh
Wed Jun 19, 2019 8:40 pm
Forum: Personal Consumer Issues
Topic: Single cup coffee/espresso options, 2019
Replies: 84
Views: 5736

Re: Single cup coffee/espresso options, 2019

rasta wrote:
Wed Jun 19, 2019 2:00 pm
melitta pour over 1 cup coffee brewer.
+1
by dh
Sun Jun 16, 2019 9:11 pm
Forum: Investing - Theory, News & General
Topic: How Bad was 2008, really?
Replies: 355
Views: 42813

Re: How Bad was 2008, really?

OP: That is a great question. It was bad, but I think 2000-2002 prepared me for 2008. While 2008 was a hard and "fast" hit, the years from 2000-2002 felt more brutal because of the long continual declines. The reality is that both of those periods taught me that big declines are not anomalies . Rath...
by dh
Sun Jun 09, 2019 10:40 pm
Forum: Personal Investments
Topic: Bonds in retirement account? Please help me save a trip to the financial adviser!
Replies: 7
Views: 1008

Re: Bonds in retirement account? Please help me save a trip to the financial adviser!

With the additional information on your tax bracket, muni's may be a great option for your taxable account. Welcome to the Bogleheads site.
by dh
Sun Jun 09, 2019 8:07 pm
Forum: Personal Investments
Topic: Bonds in retirement account? Please help me save a trip to the financial adviser!
Replies: 7
Views: 1008

Re: Bonds in retirement account? Please help me save a trip to the financial adviser!

Welcome. Stock Mutual Funds are extremely tax efficient and are excellent for taxable accounts. Personally the only bonds I have in my taxable account are I-Bonds (less efficient bond funds are in my retirement accounts). You may find this helpful: https://www.bogleheads.org/wiki/Tax-efficient_fund_...
by dh
Sun Jun 02, 2019 10:36 am
Forum: Personal Investments
Topic: Do you regret taking a pay cut for quality of life?
Replies: 68
Views: 7971

Re: Do you regret taking a pay cut for quality of life?

Quality of life is important, money won’t make you happy. You cannot be miserable at work and happy at home. Ten years ago I took a 20% pay cut going from a very large megacorp that could best be described as dysfunctional and borderline abusive to employees to a non profit that truly valued its em...
by dh
Thu May 30, 2019 11:05 am
Forum: Personal Investments
Topic: Pros and cons of leaving funds at TIAA
Replies: 8
Views: 765

Re: Pros and cons of leaving funds at TIAA

Retired two years ago after 34 year career in higher ed. My 403(b) is with TIAA, with 60% in Traditional (taking interest only from it now) and 40% in variable. What are the pros and cons of leaving the variable money with TIAA versus moving it to an IRA. Would love to hear from anyone who has alre...
by dh
Thu May 30, 2019 10:26 am
Forum: Investing - Theory, News & General
Topic: Jim Cramer
Replies: 59
Views: 5727

Re: Jim Cramer

I am probably the outlier in that I enjoy his show. He has a sharp wit and his book "Confession of a Street Addict" is hilarious. I haven't read his financial books, nor would I ever follow his financial advice!!! However, as entertainment he is good value. Yet, I also loved the character George Cos...
by dh
Wed May 29, 2019 5:48 pm
Forum: Investing - Theory, News & General
Topic: Question regarding the phrase "smart money"
Replies: 23
Views: 1690

Question regarding the phrase "smart money"

Greeting all, I realize this may sound like a sarcastic message, yet I am truly curious what this means. I read that the "smart money" was going into cash at the beginning of the May. Is this a backward looking term meaning that now that the market has declined those who sold equities were "smart" (...
by dh
Sun May 26, 2019 7:45 pm
Forum: Personal Investments
Topic: Is this a good long-term portfolio?
Replies: 37
Views: 3273

Re: Is this a good long-term portfolio?

I will offer my thoughts to your very broad question. My answer is yes and no. Yes to the 50/50 allocation (and heavier EM exposure). No to being 100% equities (even though you said you would not sell in a downturn). The reason for the latter, no, is because I follow Graham's advice to never be more...
by dh
Sun May 26, 2019 4:05 pm
Forum: Personal Finance (Not Investing)
Topic: Debt vs Savings
Replies: 47
Views: 4547

Re: Debt vs Savings

That CC 11% is egregious. Start there. You have enough of an emergency fund now that it makes sense to put everything you can against the credit card. Don't contribute any more to retirement than you need to get the employer match (which would be an immediate 50% or 100% return). If you need money ...
by dh
Fri May 24, 2019 10:02 am
Forum: Personal Investments
Topic: Traditional IRA distribution to fund 1st year HSA
Replies: 9
Views: 599

Traditional IRA distribution to fund 1st year HSA

Greetings, Bogleheads. I hope each of you enjoy a wonderful holiday weekend. I understand that for one year a distribution from an IRA (a direct custodian to custodian, Vanguard IRA to Fidelity HSA, transfer) can be used to fully fund my HSA. I plan to do this and want to hear from others in terms o...
by dh
Fri May 24, 2019 8:57 am
Forum: Investing - Theory, News & General
Topic: Vanguard issues 10-year forecast for stock, bond market returns
Replies: 79
Views: 8784

Re: Vanguard issues 10-year forecast for stock, bond market returns

alex123711 wrote:
Thu May 23, 2019 5:29 pm

What to do in this situation?
Stick with your IPS diversification strategy and ignore predictions. Within the ten years each of those asset classes will have better years, the challenge is that you can't predict which one in any given year. See:

https://www.callan.com/periodic-table/
by dh
Wed May 22, 2019 10:11 am
Forum: Investing - Theory, News & General
Topic: Delaying social security = harming nest egg?
Replies: 74
Views: 6509

Re: Delaying social security = harming nest egg?

... and I don't need the cash right now. I'll wait until 70." In my humble opinion, that is the key. If I have (and I hope I do) a nest egg to live on in retirement, my plan is to wait until I am 70 to collect the substantially higher monthly paycheck for the rest of my life. Obviously, people worr...
by dh
Mon May 20, 2019 6:38 pm
Forum: Investing - Theory, News & General
Topic: Does stock allocation truly matter?
Replies: 61
Views: 5646

Re: Does stock allocation truly matter?

...but I question whether it's a good idea for me to continually think and focus on this. I fall into the camp that thinks AA matters. Yet, your comment about what you question is critical. I am not the author of this book (nor do I get royalties), but you seem like someone who would truly benefit ...
by dh
Thu May 09, 2019 10:37 am
Forum: Personal Finance (Not Investing)
Topic: where to keep "extra" money?
Replies: 19
Views: 2279

Re: where to keep "extra" money?

Each of you could put 10K of "extra" money into I-Bonds for a hedge against future inflation. Additionally they are tax deferred until you cash them (you can hold them tax free for 30 years).
by dh
Fri Apr 26, 2019 1:52 pm
Forum: Investing - Theory, News & General
Topic: Value Averaging: My experience after 9 years
Replies: 32
Views: 8869

Re: Value Averaging: My experience after 9 years

I would particularly be interested in Bill Bernstein's thoughts on how his experience (whether his own or with his clients) with value averaging has been over the past decade. I know he is a fan of VA. I thought I would share my experience. ..... What the next 10 years brings will be interesting! O...
by dh
Sat Apr 20, 2019 1:12 pm
Forum: Personal Investments
Topic: TIPS in HSA
Replies: 4
Views: 515

Re: TIPS in HSA

I'm within 5 years of retirement, and maxing my contribution to HSA but have it invested 100% in equities since I plan to hold this triple tax advantaged HSA as long as possible. At least 10 years... so I want it to grow. I have a lot of other places I'd pull money if needed in the foreseeable futu...
by dh
Sat Apr 20, 2019 10:45 am
Forum: Personal Investments
Topic: TIPS in HSA
Replies: 4
Views: 515

TIPS in HSA

After shifting to a high deductible insurance plan at work, I am opening my HSA this year. I have been wrestling with the idea of using the HSA as a longer term hold, versus actually using it (or some of it) each year I incur medical expenses. I am leaning toward the former, yet am still not certain...
by dh
Wed Apr 17, 2019 12:44 pm
Forum: Personal Investments
Topic: What should I sell - need advice?
Replies: 13
Views: 1466

Re: What should I sell - need advice?

It sounds as if you are intent on rebalancing as you are 5% off your IPS target. It seems that you have a great deal of exposure to stocks in your taxable accounts. There are significant advantages by retaining your equities in taxable (possible TLH, long cap gains taxes, lower dividend taxes, etc.)...
by dh
Mon Apr 15, 2019 10:37 am
Forum: Investing - Theory, News & General
Topic: Does 100% stocks make sense for very high net worth individuals
Replies: 126
Views: 13554

Re: Does 100% stocks make sense for very high net worth individuals

My first response to this question was to think like what Warren B wants his wife's portfolio to be after his passing: 90% S&P 500 Index; 10% Short Term Bond Index. However, I think if I was a high net worth individual I would be 50% Total World Index; 50% TIPS Mutual Fund (with annual rebalancing)....
by dh
Wed Apr 10, 2019 2:21 pm
Forum: Personal Finance (Not Investing)
Topic: Resident of WA, selling Oregon home: do I pay additional taxes such as WA excise tax?
Replies: 7
Views: 552

Re: Resident of WA, selling Oregon home: do I pay additional taxes such as WA excise tax?

If you live in Washington for six months and a day, I would agree that you would be considered WA resident. I had a good friend who was in your same situation (moved from Eugene OR to Vancouver WA) and did not take "the hit" in both states, although in the year of the sale he was considered to be an...
by dh
Sat Apr 06, 2019 8:32 am
Forum: Personal Investments
Topic: Getting Started with an HSA
Replies: 13
Views: 1123

Re: Getting Started with an HSA

I was doing a bit more reading last night and ran across an article that suggested no withdrawing any funds from the HSA. They made the claim that after 65, the HSA can function like a TIRA since after 65 monies can be withdrawal for any reason (of course, one has to pay taxes on non-medical expens...
by dh
Fri Apr 05, 2019 8:38 am
Forum: Personal Investments
Topic: Getting Started with an HSA
Replies: 13
Views: 1123

Re: Getting Started with an HSA

I do not work for the government, thus I do not have access to a 457b plan. Thank you for all the feedback. I was doing a bit more reading last night and ran across an article that suggested no withdrawing any funds from the HSA. They made the claim that after 65, the HSA can function like a TIRA si...
by dh
Thu Apr 04, 2019 8:18 pm
Forum: Personal Investments
Topic: Getting Started with an HSA
Replies: 13
Views: 1123

Re: Getting Started with an HSA

I am going to add one more question:

If I can afford to pay the medical expenses and not reimburse myself, what are the advantages to not using the HSA until I retire in 10 years? I am still trying to figure out a good strategy. Thank you.
by dh
Thu Apr 04, 2019 7:58 pm
Forum: Personal Investments
Topic: Getting Started with an HSA
Replies: 13
Views: 1123

Getting Started with an HSA

Greetings all! I have read several threads about using HSA with high deductible health insurance plans, and I am ready to set one up. I didn't want to hijack the threads that have slightly different themes, so I am starting a new one. I am currently in a non-high deductible health insurance plan, an...
by dh
Sun Mar 31, 2019 8:24 am
Forum: Investing - Theory, News & General
Topic: Robert Shiller: "Was the Stock-Market Boom Predictable?"
Replies: 65
Views: 4218

Re: Robert Shiller: "Was the Stock-Market Boom Predictable?"

Robert Shiller asks. "While the conventional wisdom holds that it is never possible to "time the market," it might seem that major shifts – like the quadrupling of the US stock market over the last decade – should be at least partly foreseeable. Why aren't they?" The quadrupling in the S&P 500 pric...
by dh
Sat Mar 30, 2019 6:56 pm
Forum: Investing - Theory, News & General
Topic: Indexing beats Wellington and Wellesley right?
Replies: 101
Views: 16990

Re: Indexing beats Wellington and Wellesley right?

When looking at expense ratios, Vanguard Wellington Admiral is 0.17% while Balanced Index Admiral is 0.07%. That’s a small difference; small enough in my opinion that it is not a primary decision point when choosing between the two. Additionally, Wellington's stock portion is currently 15% Internat...
by dh
Fri Mar 29, 2019 10:37 pm
Forum: Investing - Theory, News & General
Topic: Help on Women and Investing
Replies: 90
Views: 5637

Re: Help on Women and Investing

Jean Chatzky has a new book called "Women With Money." While I haven't read the book I glanced at it this week while visiting a bookstore, and it seemed to address the reluctance around getting involved with money. Her past works seem solid, and I would imagine her current works may be helpful to ma...
by dh
Sat Mar 23, 2019 12:54 pm
Forum: Personal Consumer Issues
Topic: Determining what to do with your life.
Replies: 18
Views: 1701

Re: Determining what to do with your life.

Quit simply, nothing truly appeals anymore and I have no idea what to do with my life. Or where I should live it. Or how it should be lived. I see the negatives in everything and the positives in almost nothing. Without straying too close to medical advice: Make sure you are getting plenty of sleep...
by dh
Thu Mar 21, 2019 6:49 am
Forum: Investing - Theory, News & General
Topic: That's enough for me in 2019
Replies: 814
Views: 92472

Re: That's enough for me in 2019

Just for fun, I took a look at what is considered the worst 20 year stock market performance (1962-1982) and plugged it into a spreadsheet. To keep it simple, a person has $100,000 in the US market. Said person doesn't add a dime, nor withdrawal a dime. Here are the results from the worst 20 years....
by dh
Wed Mar 20, 2019 8:44 pm
Forum: Investing - Theory, News & General
Topic: That's enough for me in 2019
Replies: 814
Views: 92472

Re: That's enough for me in 2019

Just for fun, I took a look at what is considered the worst 20 year stock market performance (1962-1982) and plugged it into a spreadsheet. To keep it simple, a person has $100,000 in the US market. Said person doesn't add a dime, nor withdrawal a dime. Here are the results from the worst 20 years. ...
by dh
Wed Mar 20, 2019 3:20 pm
Forum: Personal Investments
Topic: How to get over a $25K stock market loss?
Replies: 125
Views: 10934

Re: How to get over a $25K stock market loss?

Sorry that happened, rickgrimes. I understand, yet I want to quote the most important pieces of your post: Thankfully my wife and I are comfortable enough that the $25K loss will not be a deal breaker when I comes to the home purchase... The experience has scarred me enough to swear off of equities,...
by dh
Mon Mar 11, 2019 3:29 pm
Forum: Personal Investments
Topic: Why not 50 Stocks- 50 Bonds, wait for crash then go 90-10?
Replies: 54
Views: 4367

Re: Why not 50 Stocks- 50 Bonds, wait for crash then go 90-10?

This is always one of the classic "good market timing strategies," that rarely works. The biggest problem is getting in or getting out. Behavioral Economics has taught us a great deal about investing behaviors. A person with this plan may get frightened when the market declines by 30%, convinces sel...
by dh
Sat Mar 09, 2019 9:30 pm
Forum: Investing - Theory, News & General
Topic: Grantham: US will return 2% real next 2 decades
Replies: 173
Views: 17463

Re: Grantham: US will return 2% real next 2 decades

Amazing the confidence of this forums participants that Grantham's forecast will be wrong. If you have ever looked at GMO's annual expected returns, every year since 2000 they have predicted EM and EAFE would have higher returns than US stocks. So obviously you shouldn't take them literally. While ...
by dh
Thu Mar 07, 2019 11:03 pm
Forum: Investing - Theory, News & General
Topic: Grantham: US will return 2% real next 2 decades
Replies: 173
Views: 17463

Re: Grantham: US will return 2% real next 2 decades

I watched the video. I think Grantham makes some interesting arguments (especially regarding global warming and population growth statistics). So for that, I thank the OP for sharing the link. However, Grantham's investing advise (no US and pile into EM) "smells" like speculation to me. Maybe he is ...
by dh
Thu Mar 07, 2019 11:02 am
Forum: Investing - Theory, News & General
Topic: Happy 10th Birthday Bull Market!
Replies: 34
Views: 3247

Re: Happy 10th Birthday Bull Market!

Stocks "officially" entered into bear market territory on Dec. 24th, 2018. And there hasn't yet been a 20% improvement in stocks' prices, so we're not "officially" in a bull market right now either. How's that for throwing cold water on the birthday party? :mrgreen: Boo!!! Seriously, it really has ...
by dh
Mon Mar 04, 2019 8:56 am
Forum: Personal Investments
Topic: Lots of cash .. Scared to put it to work now
Replies: 207
Views: 18540

Re: Lots of cash .. Scared to put it to work now

Bonds are far more expensive than stocks right now. Perhaps take a step back and consider if you’re more worried about volatility rather than valuation... As of Friday (March 1): Total Stock is up 13.19% YTD (-5% last year) Total Bond is up 0.68% YTD (0% last year) So, I am not sure how much more s...
by dh
Mon Mar 04, 2019 8:41 am
Forum: Investing - Theory, News & General
Topic: Why does Vanguard use a 40% allocation to International in their Balanced Funds?
Replies: 60
Views: 7112

Re: Why does Vanguard use a 40% allocation to International in their Balanced Funds?

I’ve noticed that Vanguard’s Balanced Funds (target date and target risk) all have 40% of their stock allocation in International. Does anyone know the research behind this decision? https://www.vanguard.com/pdf/ISGGEB.pdf Not that I am right and Vanguard is wrong ... yet, I like following my own I...