Search found 88 matches

by matthylland
Sun Jan 18, 2015 5:11 am
Forum: Investing - Help with Personal Investments
Topic: EE bonds vs iBonds
Replies: 39
Views: 6315

Re: EE bonds vs iBonds

I will also vouch for EE bonds. Today the 30 year treasury bond is yielding 2.44%... you can get a 3.52% over 20 years with an EE bond ( 3.98% without considering taxes if you can use if for a qualified education expense). I don't know you and your wife's situations, but As a 27 year old, almost pos...
by matthylland
Sun Mar 23, 2014 7:17 pm
Forum: Investing - Help with Personal Investments
Topic: Where to start investing? Almost 28, 52k in bank, no debt...
Replies: 11
Views: 2344

Re: Where to start investing? Almost 28, 52k in bank, no deb

Welcome hunter. Nice job with the savings. 52k puts you well ahead others your age I am sure. Your questions: 1) Yes you are correct, in order to maximize your match, contribute at least 5%. Setting up your 401k and setting contributions at 5% (or higher obviously if you can) is very important becau...
by matthylland
Sun Mar 09, 2014 10:35 am
Forum: Investing - Help with Personal Investments
Topic: How Are We Doing?
Replies: 10
Views: 1262

Re: How Are We Doing?

Out of curiosity, why such a low emergency fund? That seems way to low when you have 2 cars, a house, (kids?), etc. That is a lot of stuff that can break. If it was me, my first priority would be to add at least $10,000 to that emergency fund, then go back to saving heavily for retirement and paying...
by matthylland
Thu Mar 06, 2014 6:27 pm
Forum: Investing - Help with Personal Investments
Topic: 25 - Making sure I'm on the right track
Replies: 4
Views: 1070

Re: 25 - Making sure I'm on the right track

For 1) and 2) Its hard to answer questions on AA. I think a lot of people would say to someone who is 25 years old to be more in stocks (~80%+), but really that is up to you ultimately on what level of risk you can deal with. I would say that, in my opinion, if you really want to retire in 15-20 yea...
by matthylland
Wed Mar 05, 2014 8:42 pm
Forum: Investing - Help with Personal Investments
Topic: 27 and Risk Averse - Investment Options
Replies: 12
Views: 1252

Re: 27 and Risk Averse - Investment Options

Ok here is what I am having a hard time putting together... -"I'm Extremely Risk Adverse" -"I want to invest in stocks instead of mutual funds" -"I am young and can afford to make mistakes." You acknowledge that you are young and can afford a loss, but you are too risk adverse to be investing in the...
by matthylland
Tue Mar 04, 2014 7:29 am
Forum: Investing - Theory, News & General
Topic: How Much Do Individual Investors Underperform the Market?
Replies: 30
Views: 3059

Re: How Much Do Individual Investors Underperform the Market

JP Morgan reports over the last 20 years, the average annualized return for individual investors is 2.3% in their "Guide To The Markets" report. The chart I am looking at is on slide 65 here: https://www.jpmorganfunds.com/cm/Satell ... ityWrapper
by matthylland
Tue Feb 25, 2014 5:29 pm
Forum: Investing - Help with Personal Investments
Topic: Where to Get Data for Funds?
Replies: 2
Views: 347

Re: Where to Get Data for Funds?

Welcome/ This may require an extra step on your part, but it is better than nothing....and I really don't have any sources of vast historical return data.... What about just using something like yahoo finance's database of historical prices (for example: http://finance.yahoo.com/q/hp?s=VTSMX+Histori...
by matthylland
Mon Feb 24, 2014 7:29 pm
Forum: Investing - Theory, News & General
Topic: historic returns by AA
Replies: 5
Views: 1035

Re: historic returns by AA

I have put together this calculator here: http://www.begintoinvest.com/historical-asset-allocation-calculator/ Its limited right now, the fixed start date keeps it too basic. I am brushing up on some dynamic charts/tables for excel and hopefully it will be much better in the near future. I can add c...
by matthylland
Sat Feb 22, 2014 4:46 am
Forum: Investing - Theory, News & General
Topic: Dividend strategy popularity sowing seeds of disappointment
Replies: 10
Views: 1969

Re: Dividend strategy popularity sowing seeds of disappointm

mathyland First, a high dividend approach, or low p/d, is nothing more than a value strategy, which is a low price to some metric be it, p/e, p/cf or p/b. Clearly since we know that valuations predict future returns, lower prices relative to the metrics have monotonic relationships, then clearly th...
by matthylland
Fri Feb 21, 2014 7:27 pm
Forum: Investing - Theory, News & General
Topic: Would you invest an emergency fund?
Replies: 30
Views: 3934

Re: Would you invest an emergency fund?

Would it be a bad idea, after a certain point, to have a minimal EF, and have a large retirement savings in Roth, 401k, and other areas? If an emergency would arise, money can be taken from a retirement account after paying tax, penalty or both, but over time would the earned interest make that a m...
by matthylland
Fri Feb 21, 2014 7:12 pm
Forum: Investing - Theory, News & General
Topic: Dividend strategy popularity sowing seeds of disappointment
Replies: 10
Views: 1969

Re: Dividend strategy popularity sowing seeds of disappointm

I certainly agree with you on some of the "high yield" efts, which have attracted a ton of attention for the yield alone. But I think you pick a few bad examples and don't really prove a point. You compare a couple of regular "dividend" market efts to 2 value efts...of course the value ETFS are goin...
by matthylland
Tue Feb 18, 2014 7:08 pm
Forum: Investing - Help with Personal Investments
Topic: Could use advice investing for the first time
Replies: 19
Views: 1588

Re: Could use advice investing for the first time

Sam, I posted this in another thread, but it seemed applicable here too: "Can you imagine how you would have performed over the past 50 years if your NEVER invested when the market was near an all time high. 50 years ago the S&P hit an all time high in the mid 80s. Of course, it was at an all time h...
by matthylland
Wed Feb 12, 2014 8:21 pm
Forum: Investing - Help with Personal Investments
Topic: 29-yr old starting to invest
Replies: 5
Views: 885

Re: 29-yr old starting to invest

You can't really go wrong with a simple target date fund. Low cost, easy, no hassle investing. As far as 3) .... Can you imagine how you would have performed over the past 50 years if your NEVER invested when the market was near an all time high. 50 years ago the S&P hit an all time high in the mid ...
by matthylland
Sun Jan 05, 2014 10:14 am
Forum: Investing - Help with Personal Investments
Topic: Good expense ratio savings calculator?
Replies: 14
Views: 12645

Re: Good expense ratio savings calculator?

Nice gadget, matthylland! I like the way you have the results displayed in costs - it's eye-catching. I'm going to forward this to a close friend who is financially indifferent to hopefully help him figure out that his managed investments are too expensive. Thanks happyisland! Hope it can help stee...
by matthylland
Sun Jan 05, 2014 9:54 am
Forum: Investing - Help with Personal Investments
Topic: Good expense ratio savings calculator?
Replies: 14
Views: 12645

Re: Good expense ratio savings calculator?

Hey nyinca, I have made a little calculator on my website that does exactly what you are looking for I think, here: http://www.begintoinvest.com/expense-ratio-calculator/ It allows you to enter 2 different expense ratios, an initial contribution, additional annual contributions, set the return rate ...
by matthylland
Sun Mar 25, 2012 4:06 pm
Forum: Investing - Help with Personal Investments
Topic: Emergency Fund Opinions Needed
Replies: 12
Views: 1254

Re: Emergency Fund Opinions Needed

CD ladder will get you slightly better returns. You will need to keep I bonds for a year....just keep that in mind. But personally, I am willing to sacrifice a small amount of yield for a feeling of safety and some convenience that a checking account, or cash can provide. Try a search on here. I kno...
by matthylland
Sat Dec 31, 2011 3:11 pm
Forum: Personal Consumer Issues
Topic: How to Publish Electronically?
Replies: 20
Views: 1082

Re: How to Publish Electronically?

I believe Clark Howard was talking about this recently on his show.

I found this googling real quick.....he may have more on his site if you look

http://www.clarkhoward.com/news/clarkho ... uide/nFbX/
by matthylland
Thu Dec 15, 2011 4:13 pm
Forum: Investing - Help with Personal Investments
Topic: Decision Paralysis re Short-term Investing
Replies: 6
Views: 761

Re: Decision Paralysis re Short-term Investing

In my personal opinion, because of the nature of possibly needing that money relatively quickly. I would think a money market/"high yield" savings maybe a better choice. Something that you can write a check against at a moments notice if you need to. Any credit unions available to you? mine pays .8%...
by matthylland
Thu Dec 15, 2011 4:07 pm
Forum: Personal Finance (Not Investing)
Topic: Mortgage rates at all times lows
Replies: 67
Views: 7803

Re: Mortgage rates at all times lows

This cannot be sustainable given a current inflation rate of 3.53%. When you compare inflation to my after-tax effective interest rate of 2.26%, you've got to wonder how much longer rates can stay like this. It can go on for a while...look at the history of interest rates in Japan. Low interest rat...
by matthylland
Sat Dec 03, 2011 11:45 am
Forum: Personal Finance (Not Investing)
Topic: Easy to read finance book?
Replies: 11
Views: 913

Re: Easy to read finance book?

The category of "financial books" is pretty vague, anything more specific? Monetary policy? Personal investing? Historical?
by matthylland
Sat Dec 03, 2011 11:31 am
Forum: Investing - Help with Personal Investments
Topic: For those of you who tinker in stocks...
Replies: 8
Views: 808

Re: For those of you who tinker in stocks...

I use Excel to import data from yahoo/google finance and use some nifty conditional formatting and models.
Also just have some basic rules such as profitability, growth rates, positibe cash flow etc etc
by matthylland
Fri Dec 02, 2011 3:51 pm
Forum: Investing - Help with Personal Investments
Topic: Med student investing trust?
Replies: 24
Views: 2008

Re: Med student investing trust?

I think it would probably be best then to obey the parents and do a 50/50 split. 50% in a general stock index fund, the other 50% that your parents want you to keep as an emergency fund is in CDs/Ibonds/Money Market. Count this in your overall AA as you age, and you can be a little more overweight s...
by matthylland
Wed Nov 30, 2011 7:05 pm
Forum: Personal Finance (Not Investing)
Topic: Treasury Direct Payroll Savings Plan
Replies: 3
Views: 612

Re: Treasury Direct Payroll Savings Plan

I use it for automatic I-bond purchases. Set it up a little while ago, so don't remember exactly, but don't remember having any problems. Never had an issue with it in the slightest.
by matthylland
Wed Nov 30, 2011 6:26 pm
Forum: Investing - Theory, News & General
Topic: Can Someone Suggest a Quality Politics/Economics Forum?
Replies: 16
Views: 1740

Re: Can Someone Suggest a Quality Politics/Economics Forum?

A couple of my favorites are:
pragcap.com
zerohedge.com
reading various articles on seekingalpha.com
by matthylland
Fri Nov 25, 2011 11:22 am
Forum: Investing - Help with Personal Investments
Topic: One Fund or ETF for a 20 something child in IRA?
Replies: 11
Views: 579

Re: One Fund or ETF for a 20 something child in IRA?

Any other info we should know? Is this your first investment of any kind? Any other investments at all?

With the limited info, I would say a 2050 target retirement fund.
by matthylland
Thu Nov 17, 2011 5:53 pm
Forum: Investing - Help with Personal Investments
Topic: Betting against
Replies: 19
Views: 1442

Re: Betting against

My advice to you would be that IF you are so confident about this to put your money somewhere safer, rather than risking it all betting things will go down. To me, a much more rational response to your fear would be reducing your AA% in stocks into safer investments....CD's, bonds, etc etc. Rather t...
by matthylland
Thu Nov 17, 2011 5:49 pm
Forum: Investing - Help with Personal Investments
Topic: I know... Don't try to time... But...
Replies: 35
Views: 4055

Re: I know... Don't try to time... But...

How about making several purchases over the next few months? Personally, If I were in your boat I would feel the exact same, hell I second guess about just a normal bi-weekly contribution these days. But i figure that if everything drops, I'll buy in lower in a couple weeks...and so on and so on. Yo...
by matthylland
Wed Nov 09, 2011 6:05 pm
Forum: Investing - Theory, News & General
Topic: a what rates does borrowing money to invest make sense?
Replies: 51
Views: 3251

Re: a what rates does borrowing money to invest make sense?

Good timing, The Wall Street Journal today had an opinion piece "Should Young Investors Borrow to Buy Stocks?" http://blogs.wsj.com/totalreturn/2011/11/08/should-young-investors-borrow-to-buy-stocks/ The author makes some points that investors in their 20's should invest on margin in stocks. As a yo...
by matthylland
Wed Nov 09, 2011 5:52 pm
Forum: Investing - Theory, News & General
Topic: 12yo son's investing class at school driving me nuts
Replies: 46
Views: 9536

Re: 12yo son's investing class at school driving me nuts

Dougk, I thought of this topic today as i saw GMCR is currently down ~32% in the after market tonight after releasing earnings. Just another lesson for your son. All of a sudden -4% in SPY doesn't seem quite as bad. Staying the course and sleep at night...might miss the GMCR upside once in a while. ...
by matthylland
Mon Oct 24, 2011 4:22 am
Forum: Investing - Theory, News & General
Topic: U.S. Government considers new debt security
Replies: 24
Views: 2613

U.S. Government considers new debt security

Thought this article was a little interesting. Would you be interested in a floating rate treasury? I am wondering the impacts this would/could have on a boglehead portfolio. In contrast to normal fixed-rate Treasuries, which pay the same coupon throughout their lifespan, the payment to investors fr...
by matthylland
Sun Oct 23, 2011 7:10 am
Forum: Investing - Help with Personal Investments
Topic: GroupOn IPO
Replies: 42
Views: 4113

Re: GroupOn IPO

Personally, Any time I see a over hyped IPO like this, I know its time to get away. Linkedin (LNKD) is an example from earlier this year. It was so over hyped because it was the first IPO of any social media site. Shares went up to $120 that first day, and a month later were $60, then $100 again, th...
by matthylland
Sat Oct 22, 2011 7:04 am
Forum: Personal Consumer Issues
Topic: Any rock climbers here?
Replies: 12
Views: 913

Re: Any rock climbers here?

I am no personal trainer, but I think you would want to be looking at doing body weight exercises with a high amount of reps. Body squats for legs, lots of pull ups and pushups for arms/back/forearms. Maybe something you can bring to work would be something to improve your grip. I don't know what to...
by matthylland
Thu Oct 20, 2011 5:40 pm
Forum: Investing - Help with Personal Investments
Topic: Am I giving correct advice for this situation?
Replies: 1
Views: 320

Am I giving correct advice for this situation?

My girlfriend has a relatively new job, and after building up savings and getting on her feet she is in a position to start saving. Though, her situation is a little different than the "usual" and I want to make sure you all would agree with the advice I have been giving her. She has a 401k with the...
by matthylland
Sun Oct 16, 2011 6:39 am
Forum: Investing - Help with Personal Investments
Topic: Alpine Dynamic Dividend Fund And Foreign Tax Credit
Replies: 2
Views: 312

I held that fund for a long time. It was the very first thing I bought when I was 18 and opened up an account at scottrade. In fact, I think my first post here where I asked about my portfolio includes ADVDX. It's gone now though.

I never had a Foreign Tax Credit when owning this fund.
by matthylland
Sun Oct 16, 2011 6:22 am
Forum: Investing - Help with Personal Investments
Topic: Kindergardener's merit award [how to invest it]
Replies: 17
Views: 1424

I like the i-bond idea myself. Get a paper bond while you still can, so she can see it. I think it would be a good opportunity for a first lesson on saving and interest.
by matthylland
Sat Oct 15, 2011 4:44 pm
Forum: Investing - Theory, News & General
Topic: How are you doing YTD?
Replies: 68
Views: 4981

roughly -4% looking on mint.com....not including ibonds

that is 55% stock, 25%bond 20%cash
by matthylland
Sat Oct 15, 2011 1:07 pm
Forum: Investing - Help with Personal Investments
Topic: How are TSPers planning to use the Roth option?
Replies: 21
Views: 1973

Waiting to see the details on it. Are there any out? I assumed it would be the same funds as in the TSP....Which isn't a bad thing, but there are a few other holdings I like to have, that makes a ROTH nice to have at a regular brokerage. Maybe a split between them both.
by matthylland
Sat Oct 15, 2011 7:52 am
Forum: Investing - Help with Personal Investments
Topic: If you are buying individual stocks, what are you buying?
Replies: 15
Views: 1520

VOD and PX are the 2 stocks in my portfolio, along with some LEAP calls on a couple stocks and JPM preferred shares . VOD. PX and the JPM preferreds (JPMpI) are the start of my dividend portfolio i am starting. Sounds like I am trying to get something like l2ridehd has.... A couple long term calls (...
by matthylland
Fri Oct 14, 2011 5:53 pm
Forum: Investing - Help with Personal Investments
Topic: Corporate Bond or LQD for my extra cash?
Replies: 3
Views: 806

What is this money for? To me, money in a money market is there for a certain reason, I am willing to accept lower return for safety. Look at LQD. On a 10 year chart I see a low price of ~$75 and a high price of ~120. That volatility is way too much for money I have in a money market account. If you...
by matthylland
Mon Oct 03, 2011 5:40 am
Forum: Personal Consumer Issues
Topic: Want to get rid of cable, but watch sports
Replies: 16
Views: 3491

I am in the same boat as you. Canceled everything, but was missing sports badly. I canceled cable to save ~$60/month if i remember correct To replace that I have Hulu+ ($8/month) Netflix streaming ($8/month) espn3.com (free)...well need internet which is $35/month, but don't think that counts toward...
by matthylland
Sun Oct 02, 2011 8:23 am
Forum: Investing - Help with Personal Investments
Topic: 28. Government Employee - Clueless, but would love to learn.
Replies: 40
Views: 4650

You are doing good with the 5% into your TSP, that is the amount you need to put in to get the full match. https://www.tsp.gov/planparticipation/eligibility/agencyContribution.gif Talk to your supervisor about signing up for the program to have the government help pay off your student loans. In my c...
by matthylland
Sat Sep 24, 2011 4:56 pm
Forum: Personal Finance (Not Investing)
Topic: Shopping for a family SUV Round#2: Kia Sorento vs GMC Acadia
Replies: 16
Views: 3122

My parents recently bought a 2012 KIA sorento about a month ago. So far, they have nothing bad to say about it, except that maybe they should have bought the one with the turbo for a little more power. I haven't driven it, but did check it out last time I was home a few weeks ago. It has a lot of re...
by matthylland
Sat Sep 24, 2011 10:04 am
Forum: Investing - Help with Personal Investments
Topic: APMEX - buying precious metals
Replies: 28
Views: 3548

Maybe this is too late to be helpful to the original poster...but I can also say only good things about APMEX, had 5 purchases from them over the last 4 years or so, and have no complaints.
by matthylland
Sat Sep 24, 2011 9:52 am
Forum: Personal Consumer Issues
Topic: Any good water charities?
Replies: 14
Views: 1222

At a wine tasting event I was at there was a company called wine to water there. They sell wine and a portion the profits go to getting water to people who need it. I am not sure it is as practical (or helpful) as just a check written to a charity, but in addition to that check, maybe next time you ...
by matthylland
Sun Sep 18, 2011 8:14 am
Forum: Investing - Help with Personal Investments
Topic: New Investor Portfolio Questions
Replies: 20
Views: 4083

What funds are available for you in your 401k? Then we can have a better idea of what to tell you to do. Also, with emergency funds in your vanguard account...how easily accessible is that? To me, invested in a Vanguard account that means 1 day to sell, a day for the funds to settle, and a day to ge...
by matthylland
Sat Sep 17, 2011 7:11 am
Forum: Investing - Help with Personal Investments
Topic: Depleting e-funds to buy I-bonds?
Replies: 6
Views: 904

Great idea, just make sure you understand that you have to wait 1 year before you can redeeem I Bonds. This isn't sarcasm, is it? :D Most of the internet forums I hang around on, if someone starts a message with "great idea", it's usually sarcastic. I can't speak for him, but I don't think it was s...
by matthylland
Thu Sep 15, 2011 6:23 pm
Forum: Investing - Help with Personal Investments
Topic: Is portfolio too conservative?
Replies: 28
Views: 3930

elgaeb051,
I am not a professional money manager by any means...but I see nothing wrong with that AA given your age and unemployed status. I would not be calling you too conservative with that.
by matthylland
Thu Sep 15, 2011 6:15 pm
Forum: Investing - Theory, News & General
Topic: TIP Funds - Short Duration or Intermediate?
Replies: 8
Views: 1688

Only my opinion, But if I had 200k that needed to be put into TIPS I would use treasury direct and stay in the short duration bonds. Nothing scientific in my reasoning, I just don't see the risk of buying a 30year bond worth it at 3% interest. Sure you may make out better for a few years, hell even ...
by matthylland
Wed Sep 14, 2011 5:21 pm
Forum: Personal Consumer Issues
Topic: Boglehead Beer
Replies: 785
Views: 144028

I brew my own! Maybe just a touch cheaper than buying at the store, but even if it ends up costing a little more, I love it.