Search found 4897 matches

by Johm221122
Mon Oct 23, 2017 6:58 pm
Forum: Investing - Help with Personal Investments
Topic: Market Timing and Investing Advice
Replies: 6
Views: 518

Re: Market Timing and Investing Advice

The stock market is not a "conservative" approach for a 3-4 year time frame. Money you need within 8-10 years should not be in stocks. Trying to use the stock market to grow money needed in the short term (i.e., 3-4 years) has burned many people and is why so many shy away from stocks all together,...
by Johm221122
Mon Oct 23, 2017 8:47 am
Forum: Investing - Help with Personal Investments
Topic: Is it ok to have 100% stocks, 15 years+
Replies: 46
Views: 2429

Re: Is it ok to have 100% stocks, 15 years+

I'm also about 15 years to retirement.I'm 60/40

Check out vanguard allocation models
https://personal.vanguard.com/us/insigh ... llocations
by Johm221122
Mon Oct 23, 2017 7:35 am
Forum: Investing - Help with Personal Investments
Topic: Bond ladders that are hard to climb
Replies: 11
Views: 708

Re: Bond ladders that are hard to climb

Hello All, 3. Since you cannot buy treasuries within an IRA, how does this affect your taxable income? Should you modify the size of your bond ladder to reduce taxes since all income from bonds is taxable as interest? Ben You can buy Treasuries,but CD's are probably better if you shop for rates
by Johm221122
Mon Oct 23, 2017 7:30 am
Forum: Investing - Help with Personal Investments
Topic: First-timer portfolio review
Replies: 6
Views: 572

Re: First-timer portfolio review

Hello all, looking for some portfolio advice D. 20% High risk - Leveraged ETFs, individual “conviction” stocks in taxable account earning 20% after tax Is that some kind of guarantee 20% or is that the current bull market? Bogleheads philosophy https://www.bogleheads.org/wiki/Bogleheads®_investment...
by Johm221122
Mon Oct 23, 2017 6:15 am
Forum: Investing - Help with Personal Investments
Topic: Market Timing and Investing Advice
Replies: 6
Views: 518

Re: Market Timing and Investing Advice

mmrinvest2017 wrote:
Mon Oct 23, 2017 12:24 am
Hello Bogleheads,



Is it a good time to enter the stock market for 3~4 years short term investment?



Thank you
Welcome to forum

No markets are at all time high and stocks in short term are risky

Try Bogleheads philosophy
https://www.bogleheads.org/wiki/Boglehe ... philosophy
by Johm221122
Sun Oct 22, 2017 8:10 pm
Forum: Investing - Theory, News & General
Topic: Are all Vanguard Funds an Index Fund?
Replies: 15
Views: 939

Re: Are all Vanguard Funds an Index Funds?

Since Vanguard is pioneer and BIG on Index funds. Are all VG funds an Index Fund? If it is an Index fund then the fund name will contain index some where, is this correct? How can you tell what index , VG index fund is mirroring? If the name doesn't contain"Index" does that mean it is not an index ...
by Johm221122
Sun Oct 22, 2017 7:52 pm
Forum: Personal Finance (Not Investing)
Topic: Does anyone here with net worths north of $1 mil use financial advisors?
Replies: 149
Views: 11191

Re: Does anyone here with net worths north of $1 mil use financial advisors?

:o
tncoltsfan wrote:
Sun Oct 22, 2017 11:32 am
Is anyone replying to this thread actually north of $1 million? :beer
If i listened to my first and only "Advisor" I would have a 1 million dollar whole life policy
by Johm221122
Sun Oct 22, 2017 7:38 pm
Forum: Investing - Help with Personal Investments
Topic: Bond advise please
Replies: 10
Views: 652

Re: Bond advise please

Having all your 401 choices and details would be more helpful
viewtopic.php?f=1&t=6212
by Johm221122
Sun Oct 22, 2017 7:23 pm
Forum: Investing - Theory, News & General
Topic: Mutual Fund "share price"
Replies: 22
Views: 887

Re: Mutual Fund "share price"

I believe that share price is a factor in purchasing consideration. Let me give you some examples: 1). Their is a reason that companies/mutual funds do share splits. (2 for 1, 3 for 1 splits). Their has been academic studies that show investor prefer lower share prices better than higher share pric...
by Johm221122
Sun Oct 22, 2017 6:26 pm
Forum: Investing - Help with Personal Investments
Topic: Bond advise please
Replies: 10
Views: 652

Re: Bond advise please

etguy wrote:
Sun Oct 22, 2017 6:20 pm
like I said I want to have 25 % in my portfolio , I read good performance review by morning start regarding VWELX.
Yes but comparing a balanced fund and bond fund is not apples to apples comparison
Total bond market is index and it follows the index

Edit unless you want 100% Wellington?
by Johm221122
Sun Oct 22, 2017 6:14 pm
Forum: Investing - Help with Personal Investments
Topic: Bond advise please
Replies: 10
Views: 652

Re: Bond advise please

Hello all started investing recently - my situation ? I am currently investing on VGHCX 5 % , Do you believe 5% can make a difference either way Vanguard total stock market ( VTSAX ) 65 % , and vanguard international stock 30 % ( VTIAX ). I want to mix 25 % my portfolio in Bonds. I studied two of t...
by Johm221122
Sun Oct 22, 2017 8:56 am
Forum: Investing - Help with Personal Investments
Topic: ROTH OR IRA
Replies: 10
Views: 658

Re: ROTH OR IRA

If I were younger, today, I'd put the money in a Roth. You don't know exactly what will be in 20 years down the road (or 1 day). However, when you retire you will likely have pension, income from dividends and interest, social security (if you delay until age 70, you can have big SS with 85% as inc...
by Johm221122
Sun Oct 22, 2017 8:33 am
Forum: Investing - Help with Personal Investments
Topic: AA changes age 70
Replies: 10
Views: 1043

Re: AA changes age 70

Any feedback is appreciated. This is about fund choices in deferred accounts. I'm consolidating funds to Vanguard, simplifying things at age 70. sounds like good idea Let me say I've sold all my individual stock, moving money to Vanguard funds. Except IBM, which I'm prepared to sell half. This upda...
by Johm221122
Sun Oct 22, 2017 5:06 am
Forum: Investing - Help with Personal Investments
Topic: Altering AA for retirement
Replies: 5
Views: 670

Re: Altering AA for retirement

I personally would simplify my portfolio,less funds would make it easier for your wife/heirs.You already won the game,do you really 10 holdings? Target AA is as follows: US Total Stock Indexes 14% Wellington 10% Consumer Staples Index 7% Sm. Cap. Value Index 7% Health Care Index 7% REIT Index 7% Tot...
by Johm221122
Sun Oct 22, 2017 2:02 am
Forum: Investing - Help with Personal Investments
Topic: ROTH OR IRA
Replies: 10
Views: 658

Re: ROTH OR IRA

Sounds like I should provide some more info. I'm talking about 401(K) through employment. My employer offers traditional as well as Roth 401(k). My house hold income is below the threshold so my contributions are deductible. You would get better answer if you use Asking portfolio question format We...
by Johm221122
Sat Oct 21, 2017 10:29 am
Forum: Investing - Help with Personal Investments
Topic: Where to park $100,000 safely for 2-3 years?
Replies: 17
Views: 2382

Re: Where to park $100,000 safely for 2-3 years?

Vanguard has CD's, Money market https://personal.vanguard.com/us/funds/snapshot?FundId=0030&FundIntExt=INT Short term bond funds(a little risk) https://personal.vanguard.com/us/funds/snapshot?FundId=0132&FundIntExt=INT Individual bonds(CD's better) Tax exempt short term(little risk) https://advisors...
by Johm221122
Sat Oct 21, 2017 8:52 am
Forum: Personal Finance (Not Investing)
Topic: Better than 4% Rule
Replies: 31
Views: 3280

Re: Better than 4% Rule

SPIA and deferred annuity can be useful
SPIA is just recently mentioned here
viewtopic.php?f=1&t=230298&p=3581917#p3581917

Use search feature(top right),plenty of posts on this
by Johm221122
Sat Oct 21, 2017 7:19 am
Forum: Investing - Help with Personal Investments
Topic: Fixed Annuities Bad Idea?
Replies: 20
Views: 1013

Re: Fixed Annuities Bad Idea?

SPIA becomes more appealing as you get 70 or older because of mortality credits

https://www.kitces.com/blog/understandi ... nt-income/
by Johm221122
Sat Oct 21, 2017 5:03 am
Forum: Investing - Help with Personal Investments
Topic: Where to park $100,000 safely for 2-3 years?
Replies: 17
Views: 2382

Re: Where to park $100,000 safely for 2-3 years?

Shop on line for CD http://www.bankrate.com/cd.aspx https://www.depositaccounts.com/cd/?esourceid=6267926&cchannel=sem&cproduct=cdaccounts&csource=google&cterm=m&cmethod=9013521&ccontent=kwd-555704242&PPCKW=cd%20deposit&ADID=138103009604&matchtype=e&ctype=g&ccreative=1t3&utm_source=google&utm_medium...
by Johm221122
Sat Oct 21, 2017 4:57 am
Forum: Investing - Help with Personal Investments
Topic: Thinking of converting all my total us stock market funds to target date funds
Replies: 8
Views: 1248

Re: Thinking of converting all my total us stock market funds to target date funds

Welcome to forum

Having a balanced fund or retirement fund in taxable is not the most efficient way,

https://www.bogleheads.org/wiki/Tax-eff ... _placement

you don't give us enough information
viewtopic.php?t=6212
by Johm221122
Sat Oct 21, 2017 4:48 am
Forum: Investing - Help with Personal Investments
Topic: help with inheritance and financial planning
Replies: 6
Views: 582

Re: help with inheritance and financial planning

Hi everyone! I am new to this forum welcome and would like to get some advice on what I should do? Please share some of your thoughts as I am very confused and overwhelmed. I am new to financial investing as my husband took care of our finances I became widowed recently, I am 43.. my dh (51) died u...
by Johm221122
Sat Oct 21, 2017 4:37 am
Forum: Personal Finance (Not Investing)
Topic: Better than 4% Rule
Replies: 31
Views: 3280

Re: Better than 4% Rule

So, I just read this paper: Is the argument that one can do better than the 4% rule by investing in derivatives instead of a stock/bond mix? Should an ordinary investor look into derivatives as an investment option? I'm still pretty new to the world of investing and I'm attempting to be smart about...
by Johm221122
Sat Oct 21, 2017 4:18 am
Forum: Investing - Theory, News & General
Topic: Why do I need bonds? (I'm 30)
Replies: 61
Views: 4569

Re: Why do I need bonds? (I'm 30)

I don't think bonds should ever be used if you know you can psychologically handle a downturn. But that's not a common opinion. I plan on having one to two years worth of expenses in CDs during retirement, the rest all equity. That's the closest I will get to bonds. Will you be using a 4% withdraw ...
by Johm221122
Sat Oct 21, 2017 3:57 am
Forum: Investing - Theory, News & General
Topic: What is Bitcoin?
Replies: 238
Views: 27229

Re: What is Bitcoin?

bridge wrote In answer to your question "Can you lose it with some clumsy action?" the answer is YES. If you lose possession of the secret keys to any of your addresses, the coins they hold are gone forever and can never be spent. Similarly if you expose the secret keys, your coins could be stolen....
by Johm221122
Fri Oct 20, 2017 9:34 pm
Forum: Investing - Theory, News & General
Topic: For those near retirement and rebalanced to Bonds...
Replies: 34
Views: 3400

Re: For those near retirement and rebalanced to Bonds...

I had a reply but it seemed to have disappeared. Is there a charge as to when one may go from 100% stock and start migrating to Bonds? Also, how often and at what percentage should one increase? For example, have 100% stock under 40 then migrate 5% every 5 years? By 50 thats a 90/10 split then do 1...
by Johm221122
Fri Oct 20, 2017 6:24 pm
Forum: Investing - Theory, News & General
Topic: The Effect of Rising Rates on Bond Funds
Replies: 8
Views: 1002

Re: The Effect of Rising Rates on Bond Funds

After another good day for stocks, I checked my balance and noticed that my bonds (SCHZ) took a bit of a hit today. It got me wondering -- is there a calculation or rule of thumb that will help me anticipate what my bond losses will be if interest rates continue to rise? Also, I'm curious how peopl...
by Johm221122
Fri Oct 20, 2017 5:22 am
Forum: Investing - Help with Personal Investments
Topic: High fee funds
Replies: 12
Views: 995

Re: High fee funds

KSActuary wrote So how long of a track record would you require before you felt that the past performance was some indication of future performance? The longer the period,the less chance of same manager and the more chance of under performance https://www.google.com/amp/s/www.cnbc.com/amp/2017/04/1...
by Johm221122
Fri Oct 20, 2017 1:40 am
Forum: Investing - Help with Personal Investments
Topic: Out of BND and into VTI or VEU?
Replies: 21
Views: 1539

Re: Out of BND and into VTI or VEU?

I went with BND based on the 3-way approach shared here by many. your plan looks solid I guess I could have been more aggressive with ETFs or individual stocks. hindsight is 20/20 My initial goal was a growth of around 10-12% 10-12% is above average when you have 25% bonds https://personal.vanguard...
by Johm221122
Thu Oct 19, 2017 7:24 pm
Forum: Investing - Theory, News & General
Topic: Larry Swedroe:Better To Face The Correction
Replies: 51
Views: 6370

Re: Larry Swedroe:Better To Face The Correction

If it does fall 85% over the next year, I am going to beat Warren Buffett to the front of the line - buying with whatever cash I have on me. Buy when there is blood on the streets. Really? What if it only falls 80%? Would you wait until it hits 85%? Or even better, what if it falls 10% every month....
by Johm221122
Thu Oct 19, 2017 6:40 pm
Forum: Investing - Help with Personal Investments
Topic: Relatively safe fund for taxable acct.
Replies: 5
Views: 785

Re: Relatively safe fund for taxable acct.

cals400ex wrote:
Thu Oct 19, 2017 3:13 pm
Since I’m still wanting some risk, would VWLTX be an acceptable option?
Yes it is good option
by Johm221122
Thu Oct 19, 2017 6:32 pm
Forum: Investing - Theory, News & General
Topic: For those near retirement and rebalanced to Bonds...
Replies: 34
Views: 3400

Re: For those near retirement and rebalanced to Bonds...

You need to come to terms with risk and how much you want,everyone has different risk tolerance.Stop watching market and turn off market "noise"(news) Pick an asset allocation that lets you sleep at night,check out historical returns of different asset allocations https://personal.vanguard.com/us/in...
by Johm221122
Thu Oct 19, 2017 6:56 am
Forum: Investing - Help with Personal Investments
Topic: low risk, low fee fund for older investor?
Replies: 6
Views: 548

Re: low risk, low fee fund for older investor?

More information would be helpful

Asking portfolio question
viewtopic.php?t=6212
Are you maxing your 401 and your tax rate?
by Johm221122
Thu Oct 19, 2017 5:57 am
Forum: Investing - Help with Personal Investments
Topic: Relationship Between Price of VFIAX and S&P 500 Level
Replies: 5
Views: 412

Re: Relationship Between Price of VFIAX and S&P 500 Level

A fund's share price is known as the net asset value (NAV). If we receive your request to buy or sell a fund before the close of regular trading hours on the New York Stock Exchange (usually 4 p.m., Eastern time), your transaction will receive that day's closing price. Buying and selling Vanguard a...
by Johm221122
Thu Oct 19, 2017 4:15 am
Forum: Investing - Help with Personal Investments
Topic: Relatively safe fund for taxable acct.
Replies: 5
Views: 785

Re: Relatively safe fund for taxable acct.

You don't mention your state,but I bonds and municipal bond funds
by Johm221122
Wed Oct 18, 2017 7:05 pm
Forum: Investing - Theory, News & General
Topic: Thoughts on BONDS and REITS?
Replies: 13
Views: 1285

Re: Thoughts on BONDS and REITS?

Bonds are needed,create an asset allocation that meets your" need,ability and willingness to take risk" REIT's are optional I hold stable value best choice in 401 IPS https://www.bogleheads.org/wiki/Investment_policy_statement REIT https://www.bogleheads.org/wiki/Real_estate_investment_trust Why bon...
by Johm221122
Wed Oct 18, 2017 7:32 am
Forum: Investing - Help with Personal Investments
Topic: Can I hold Vanguard ETFs in a Vanguard Roth IRA?
Replies: 3
Views: 258

Re: Can I hold Vanguard ETFs in a Vanguard Roth IRA?

Yes,you can use ETF's in vanguard Roth IRA
by Johm221122
Wed Oct 18, 2017 4:24 am
Forum: Investing - Theory, News & General
Topic: Does bond length matter for investing in bond funds?
Replies: 20
Views: 1638

Re: Does bond length matter for investing in bond funds?

JustinR If interest rates go up, will the long term bonds go negative? Depends on how much rates go up,dividend(interest) may keep it from going negative Then it doesn't seem like there's any downside to going the higher yield long term bonds? https://www.bogleheads.org/forum/viewtopic.php?t=53592 ...
by Johm221122
Tue Oct 17, 2017 9:36 pm
Forum: Investing - Theory, News & General
Topic: Does bond length matter for investing in bond funds?
Replies: 20
Views: 1638

Re: Does bond length matter for investing in bond funds?

JustinR
If interest rates go up, will the long term bonds go negative?
Depends on how much rates go up,dividend(interest) may keep it from going negative
by Johm221122
Tue Oct 17, 2017 8:23 pm
Forum: Investing - Help with Personal Investments
Topic: seeking advice on asset allocation, or is Vanguard crazy
Replies: 26
Views: 2596

Re: seeking advice on asset allocation, or is Vanguard crazy

Whenever I question my AA,I look at
Vanguard portfolio allocation models
https://personal.vanguard.com/us/insigh ... llocations

How much difference would it make to have 10% more equities
by Johm221122
Tue Oct 17, 2017 6:34 pm
Forum: Investing - Theory, News & General
Topic: Does bond length matter for investing in bond funds?
Replies: 20
Views: 1638

Re: Does bond length matter for investing in bond funds?

aristotelian wrote:
Tue Oct 17, 2017 9:39 am
I am comfortable putting at risk in stocks, and then putting what I want to have stable in intermediate term bonds.
I agree with this,bonds are for stability short or intermediate government bonds
I just don't consider long term or corporate for my investments
by Johm221122
Tue Oct 17, 2017 4:44 am
Forum: Investing - Theory, News & General
Topic: Does bond length matter for investing in bond funds?
Replies: 20
Views: 1638

Re: Does bond length matter for investing in bond funds?

JustinR The yields are better in the long-term fund so why shouldn't I invest in that? The risk is greater,if/when rates rise long term bonds funds NAV will fall more than shorter bonds,but your fund will pay higher interest Have you looked at Wiki https://www.bogleheads.org/wiki/Individual_bonds_v...
by Johm221122
Mon Oct 16, 2017 8:35 pm
Forum: Investing - Help with Personal Investments
Topic: Purchasing Savings Bonds with Pre-Paid Debit Card?
Replies: 3
Views: 279

Re: Purchasing Savings Bonds with Pre-Paid Debit Card?

Is this "savings" for short term,a 401 would be good for hands off "savings"if long term
If and when you need money you could borrow with loan
by Johm221122
Mon Oct 16, 2017 8:10 am
Forum: Investing - Help with Personal Investments
Topic: EE/Ibonds & Tax Advantaged Space
Replies: 25
Views: 1560

Re: EE/Ibonds & Tax Advantaged Space

Yes he could
"Because of interest rates"
He probably would not,but they may be appeal more to him as he ages and if he still has no 401
by Johm221122
Mon Oct 16, 2017 4:31 am
Forum: Investing - Help with Personal Investments
Topic: a question about selecting investments for 401k
Replies: 8
Views: 507

Re: a question about selecting investments for 401k

Asking portfolio question
viewtopic.php?t=6212
Were missing information
What other investments do you have?IRA?tax rate?
by Johm221122
Mon Oct 16, 2017 1:39 am
Forum: Investing - Help with Personal Investments
Topic: EE/Ibonds & Tax Advantaged Space
Replies: 25
Views: 1560

Re: EE/Ibonds & Tax Advantaged Space

Ok, after doing some more reading, what would you think of this? i slowly sell all of my bond holdings (bnd) in my ira and invest in the following: 50% national intermediate muni fund 25% ny long term muni fund 25% ibonds (not too interested in EE bonds as I am also considering this plus my brokera...
by Johm221122
Sun Oct 15, 2017 8:26 pm
Forum: Investing - Help with Personal Investments
Topic: EE/Ibonds & Tax Advantaged Space
Replies: 25
Views: 1560

Re: EE/Ibonds & Tax Advantaged Space

Do you live in Ny city and do you want to invest in only Ny state municipal bonds?
by Johm221122
Sun Oct 15, 2017 8:15 pm
Forum: Investing - Help with Personal Investments
Topic: EE/Ibonds & Tax Advantaged Space
Replies: 25
Views: 1560

Re: EE/Ibonds & Tax Advantaged Space

What information in specific? I'm 33, live in NY, in the 28% tax bracket. Currently have low 6 figures invested in the market and am aiming for around 15% of that in bonds. If you have the same marginal tax rate today until you cash them out, the tax advantage of I and EE Bonds is equivalent to int...
by Johm221122
Sun Oct 15, 2017 7:59 pm
Forum: Investing - Help with Personal Investments
Topic: EE/Ibonds & Tax Advantaged Space
Replies: 25
Views: 1560

Re: EE/Ibonds & Tax Advantaged Space

I would consider Municipal bonds as mentioned by aristotelian And put about half for rebalancing in bond fund hmm...i don't know a single thing about muni bonds, will have to do some reading. are you recommending that i have 50% muni bond(nyc?) in my taxable account and then 50% bnd in my ira and n...
by Johm221122
Sun Oct 15, 2017 7:40 pm
Forum: Investing - Help with Personal Investments
Topic: EE/Ibonds & Tax Advantaged Space
Replies: 25
Views: 1560

Re: EE/Ibonds & Tax Advantaged Space

Yes it would be advisable to not have all savings bonds,so you can easily rebalance Savings bonds have major drawbacks in rebalancing,taxes because of tax differed status and EE bonds and maturity makes sense. is there a certain allocation you would recommend? 50% bnd 50% ibonds? 75/25? Not without...