Search found 6543 matches

by rkhusky
Sat May 25, 2019 8:24 pm
Forum: Personal Finance (Not Investing)
Topic: Seeking comment on proposed revisions to Marginal Tax Rate and Traditional v. Roth wiki articles
Replies: 179
Views: 6763

Re: Seeking comment on proposed revisions to Marginal Tax Rate and Traditional v. Roth wiki artic

There are also cases where one should look into the future to determine the optimal strategy. Take for example a pre-med student, whose current marginal rate is 12% and who doesn't have anything in his 401k. That means each dollar contributed to a Roth would be taxed at 12%, but would be taxed at 0...
by rkhusky
Sat May 25, 2019 6:51 am
Forum: Investing - Theory, News & General
Topic: Early retire and taxable. More bonds? Different AA than tax deferred space?
Replies: 26
Views: 1530

Re: Early retire and taxable. More bonds? Different AA than tax deferred space?

You need to be careful about triggering a wash sale in this case. Last time I checked, the IRS ruled that it is a wash sale if your tax advantaged account is an IRA. I don't think they've specifically mentioned 401ks, but it seems like it would apply there as well. 1) It doesn't apply to 401k. 2) I...
by rkhusky
Sat May 25, 2019 6:44 am
Forum: Investing - Theory, News & General
Topic: Early retire and taxable. More bonds? Different AA than tax deferred space?
Replies: 26
Views: 1530

Re: Early retire and taxable. More bonds? Different AA than tax deferred space?

It all equals out as long as you do not run out of funds in the taxable space :oops: So it would be a good idea to build up the taxable a lot more that you might think before being able to backing off of full time work. If you retire from your company in the year you turn 55 or later, you can withd...
by rkhusky
Fri May 24, 2019 5:17 pm
Forum: Personal Finance (Not Investing)
Topic: Seeking comment on proposed revisions to Marginal Tax Rate and Traditional v. Roth wiki articles
Replies: 179
Views: 6763

Re: Seeking comment on proposed revisions to Marginal Tax Rate and Traditional v. Roth wiki articles

Apparently folks with taxable incomes over $100K were expected to be able to deal with such formulas or have the wherewithal to hire someone else who could. Perhaps the law of diminishing return. Lot more taxpayers with taxable income between $0-$100K, then between $100K-$200K, but would require th...
by rkhusky
Fri May 24, 2019 8:11 am
Forum: Personal Finance (Not Investing)
Topic: Seeking comment on proposed revisions to Marginal Tax Rate and Traditional v. Roth wiki articles
Replies: 179
Views: 6763

Re: Seeking comment on proposed revisions to Marginal Tax Rate and Traditional v. Roth wiki artic

I suggest that the article says something such as: One should generally compare the marginal rate on each dollar of contribution versus the marginal rate on withdrawing that dollar when making a Traditional vs Roth decision. However, there are a few situations where that may cause an incorrect choi...
by rkhusky
Fri May 24, 2019 7:35 am
Forum: Personal Finance (Not Investing)
Topic: Seeking comment on proposed revisions to Marginal Tax Rate and Traditional v. Roth wiki articles
Replies: 179
Views: 6763

Re: Seeking comment on proposed revisions to Marginal Tax Rate and Traditional v. Roth wiki articles

I think it would be worthwhile to have the Marginal Tax Rate article explicitly mention the possibility of marginal rates that are greater than 100% (i.e. $100 in additional income results in more than $100 in additional tax). There may be several ways this can happen, but the only example of this ...
by rkhusky
Fri May 24, 2019 7:14 am
Forum: Personal Investments
Topic: Aggressive Roth IRA fund suggestions
Replies: 10
Views: 787

Re: Aggressive Roth IRA fund suggestions

Emerging Markets.
Small Emerging Markets.
Small Value US.
Small Value Emerging Markets.
Health Care.
Mining and Oil.
by rkhusky
Wed May 22, 2019 6:32 pm
Forum: Personal Investments
Topic: Federal Gov't Early Retirement?
Replies: 45
Views: 3501

Re: Federal Gov't Early Retirement?

jfalconsp wrote:
Wed May 22, 2019 5:27 pm
Good to know I could enter at 37 and work 20 years and take a postponed retirement and just wait until 60 to receive full pension and health insurance.
Note that feds have to pay a portion of their premium, something like 25%.
by rkhusky
Wed May 22, 2019 6:30 pm
Forum: Personal Investments
Topic: Federal Gov't Early Retirement?
Replies: 45
Views: 3501

Re: Federal Gov't Early Retirement?

Keep in mind that many retired feds don’t take Medicare Part B, which (unlike Part A) does require a premium payment. So the primary/secondary doesn’t pertain for those costs. I'll have to look at that. From what I remember, if you don't sign up for Part B when you are eligible, then the price star...
by rkhusky
Wed May 22, 2019 3:49 pm
Forum: Personal Investments
Topic: Federal Gov't Early Retirement?
Replies: 45
Views: 3501

Re: Federal Gov't Early Retirement?

I'm just about convinced that I could start in the next year or two, and as long as I work a minimum of 5 years and until age 62, we would then be covered for life and the reduced fed rates. Does that sound correct? Thanks. Note that there is a change in the federal healthcare once you reach Medica...
by rkhusky
Wed May 22, 2019 1:36 pm
Forum: Personal Investments
Topic: Federal Gov't Early Retirement?
Replies: 45
Views: 3501

Re: Federal Gov't Early Retirement?

I'm just about convinced that I could start in the next year or two, and as long as I work a minimum of 5 years and until age 62, we would then be covered for life and the reduced fed rates. Does that sound correct? Thanks. Note that there is a change in the federal healthcare once you reach Medica...
by rkhusky
Wed May 22, 2019 10:52 am
Forum: Personal Finance (Not Investing)
Topic: Seeking comment on proposed revisions to Marginal Tax Rate and Traditional v. Roth wiki articles
Replies: 179
Views: 6763

Re: Seeking comment on proposed revisions to Marginal Tax Rate and Traditional v. Roth wiki articles

I thought 15% was reasonable to use as an example because it covers such a wide range: $39k or $78k single or married up to over $400k. The 15% is tied to your 22% rate on withdrawals. If the withdrawal tax rate was 12%, then you would have used 0% (just pointing out that you really didn't "choose"...
by rkhusky
Wed May 22, 2019 10:02 am
Forum: Personal Investments
Topic: AA Percentages
Replies: 6
Views: 389

Re: AA Percentages

The Morningstar page for the fund lists the breakdown. Look for the Portfolio tab.
by rkhusky
Wed May 22, 2019 8:54 am
Forum: Personal Finance (Not Investing)
Topic: Seeking comment on proposed revisions to Marginal Tax Rate and Traditional v. Roth wiki articles
Replies: 179
Views: 6763

Re: Seeking comment on proposed revisions to Marginal Tax Rate and Traditional v. Roth wiki articles

At 0% LTCG Roth and traditional + taxable will be the same if marginal tax rates were the same before and after retirement. Does this take into account the tax drag of the yearly dividends and cap gains that are produced every year in a taxable account? I believe that the example has a 24% rate dur...
by rkhusky
Wed May 22, 2019 8:48 am
Forum: Personal Finance (Not Investing)
Topic: Seeking comment on proposed revisions to Marginal Tax Rate and Traditional v. Roth wiki articles
Replies: 179
Views: 6763

Re: Seeking comment on proposed revisions to Marginal Tax Rate and Traditional v. Roth wiki articles

I think of my federal effective tax rate as: Tax / gross income . Others think of it as tax/AGI or tax/taxable income or tax/(total income including perks). You can also use it as (tax paid on Roth IRA contribution)/(Roth contribution) or (tax on Traditional 401k withdrawal)/(Traditional 401k withd...
by rkhusky
Wed May 22, 2019 6:54 am
Forum: Personal Finance (Not Investing)
Topic: Seeking comment on proposed revisions to Marginal Tax Rate and Traditional v. Roth wiki articles
Replies: 179
Views: 6763

Re: Seeking comment on proposed revisions to Marginal Tax Rate and Traditional v. Roth wiki articles

...it may be beneficial to use the term effective tax rate or come up with a new term. "Effective" has an unfortunate history in this context. See Roth vs Traditional 401K - earliest Bogleheads thread in which some people argued strenuously but incorrectly that "contributions save a marginal rate b...
by rkhusky
Wed May 22, 2019 6:34 am
Forum: Personal Finance (Not Investing)
Topic: Seeking comment on proposed revisions to Marginal Tax Rate and Traditional v. Roth wiki articles
Replies: 179
Views: 6763

Re: Seeking comment on proposed revisions to Marginal Tax Rate and Traditional v. Roth wiki articles

So in that case, it may be beneficial to use the term effective tax rate or come up with a new term. Oh, oh, you used the word "effective". You will probably hear about that. :-) We are not supposed to come up with new terms in the wiki (i.e. original research). I think using effective, average, or...
by rkhusky
Wed May 22, 2019 6:27 am
Forum: Personal Finance (Not Investing)
Topic: Seeking comment on proposed revisions to Marginal Tax Rate and Traditional v. Roth wiki articles
Replies: 179
Views: 6763

Re: Seeking comment on proposed revisions to Marginal Tax Rate and Traditional v. Roth wiki articles

Good point. Changed that sentence to: " In any case, you should account for inflation, which has historically averaged about 3% per year, by either adjusting the bracket thresholds upward, or subtracting the predicted inflation rate from the expected rates of return of investments. " And yay! Glad ...
by rkhusky
Tue May 21, 2019 6:19 pm
Forum: Investing - Theory, News & General
Topic: TSP modernization implementation date: 9/15/2019
Replies: 19
Views: 1772

Re: TSP modernization implementation date: 9/15/2019

Alan S. wrote:
Tue May 21, 2019 2:06 pm
Form TSP-81 is required, but I cannot even locate it on the TSP site...……..
Perhaps they are making it a part of the online "wizard", like TSP-70 and TSP-77?
by rkhusky
Tue May 21, 2019 6:12 pm
Forum: Personal Finance (Not Investing)
Topic: Seeking comment on proposed revisions to Marginal Tax Rate and Traditional v. Roth wiki articles
Replies: 179
Views: 6763

Re: Seeking comment on proposed revisions to Marginal Tax Rate and Traditional v. Roth wiki articles

I think this statement “In any case, you should adjust the bracket thresholds for inflation, which historically has averaged about 3% per year.” is not necessary as comparisons should be done on real dollars to avoid this complication. It’s under the heading ‘Marginal tax rate in retirement’. P.S: ...
by rkhusky
Tue May 21, 2019 4:53 pm
Forum: Personal Investments
Topic: Federal Gov't Early Retirement?
Replies: 45
Views: 3501

Re: Federal Gov't Early Retirement?

Also, there is no inflation adjustment to the FERS pension until you reach age 62. On the other hand, there is the FERS Supplement from age 56 - 62 that partially compensates the lack of inflation adjustment. Note also that if you retire in the year that you turn 55 or later, you can withdraw from T...
by rkhusky
Tue May 21, 2019 8:58 am
Forum: Investing - Theory, News & General
Topic: TSP modernization implementation date: 9/15/2019
Replies: 19
Views: 1772

Re: TSP modernization implementation date: 9/15/2019

I'm guessing that the modernization will not include changing the I Fund to total world? No, but it will change to Total International. Whoops. That's what I meant I is changing to Total International. Are you sure this change is taking place as well on 9/15/2019? Seems like I saw some posts that t...
by rkhusky
Tue May 21, 2019 8:45 am
Forum: Personal Finance (Not Investing)
Topic: Can a cashiers check be made out to cash?
Replies: 18
Views: 1158

Re: Can a cashiers check be made out to cash?

Gill wrote:
Tue May 21, 2019 8:42 am
rkhusky wrote:
Tue May 21, 2019 8:41 am
Cash. And/or meet at a bank.
No, that's not very workable in this situation. See my post above.
Gill
Bring real cash. Not a check. $10k is not that much these days.
by rkhusky
Tue May 21, 2019 8:44 am
Forum: Investing - Theory, News & General
Topic: TSP modernization implementation date: 9/15/2019
Replies: 19
Views: 1772

Re: TSP modernization implementation date: 9/15/2019

JuniorRob wrote:
Tue May 21, 2019 8:34 am
I'm guessing that the modernization will not include changing the I Fund to total world?
No, but it will change to Total International.
by rkhusky
Tue May 21, 2019 8:41 am
Forum: Personal Finance (Not Investing)
Topic: Can a cashiers check be made out to cash?
Replies: 18
Views: 1158

Re: Can a cashiers check be made out to cash?

Cash. And/or meet at a bank.
by rkhusky
Tue May 21, 2019 6:32 am
Forum: Personal Investments
Topic: TSP Partial Rollover to Vanguard IRA
Replies: 7
Views: 637

Re: TSP Partial Rollover to Vanguard IRA

It took about 2 weeks to get my form back from Vanguard, but I sent it to them via regular mail (https://www.bogleheads.org/forum/viewtopic.php?t=266033#p4258570). Note that Vanguard used a special "account number" on my form, so that they could link the deposit from the TSP directly to the rollover...
by rkhusky
Tue May 21, 2019 6:06 am
Forum: Personal Finance (Not Investing)
Topic: Seeking comment on proposed revisions to Marginal Tax Rate and Traditional v. Roth wiki articles
Replies: 179
Views: 6763

Re: Confused on marginal savings rate

"Cumulative" does have the connotation that one is "adding on," and that is what one has to do when passing through an unfavorable tax region to reach the favorable region. For that reason it would get my vote over "incremental" but a rose by any other name.... Cumulative to me means "area under th...
by rkhusky
Mon May 20, 2019 9:28 pm
Forum: Personal Finance (Not Investing)
Topic: Seeking comment on proposed revisions to Marginal Tax Rate and Traditional v. Roth wiki articles
Replies: 179
Views: 6763

Re: Seeking comment on proposed revisions to Marginal Tax Rate and Traditional v. Roth wiki articles

As long as one is not using "average tax rate" in isolation, it should be reasonably clear what is meant by "the average tax rate for the $6K Roth IRA contribution" or the "average tax rate for the $20K 401k withdrawal". If that confuses someone, they might also think that a cumulative tax rate span...
by rkhusky
Mon May 20, 2019 7:59 pm
Forum: Personal Finance (Not Investing)
Topic: Seeking comment on proposed revisions to Marginal Tax Rate and Traditional v. Roth wiki articles
Replies: 179
Views: 6763

Re: Seeking comment on proposed revisions to Marginal Tax Rate and Traditional v. Roth wiki articles

"Tax rate" without the use of "Marginal" would be appropriate, but the ability to separate that from "Marginal tax rate" in the article's text is a challenge. "Tax Rate (not marginal)" would be somewhat cumbersome. I suggest average tax rate, just like one uses average slope if the delta's are larg...
by rkhusky
Mon May 20, 2019 5:02 pm
Forum: Personal Finance (Not Investing)
Topic: Seeking comment on proposed revisions to Marginal Tax Rate and Traditional v. Roth wiki articles
Replies: 179
Views: 6763

Re: Seeking comment on proposed revisions to Marginal Tax Rate and Traditional v. Roth wiki articles

I don't want to re-read everything from three years ago, but I'd qualify what I said then (that's been quoted), by saying that there could be more than one marginal rate involved in the traditional vs. Roth IRA decision. I think I might have mentioned this already, but you might split your annual c...
by rkhusky
Mon May 20, 2019 5:00 pm
Forum: Personal Finance (Not Investing)
Topic: Seeking comment on proposed revisions to Marginal Tax Rate and Traditional v. Roth wiki articles
Replies: 179
Views: 6763

Re: Seeking comment on proposed revisions to Marginal Tax Rate and Traditional v. Roth wiki articles

We have already agreed that $1 increments are too small to calculate marginal tax rate. $1 is the appropriate amount for the base definition of marginal rate, since that is the term used in "last dollar" or "next dollar" of income. And then one doesn't need to determine what the delta in income sho...
by rkhusky
Mon May 20, 2019 9:58 am
Forum: Personal Finance (Not Investing)
Topic: Seeking comment on proposed revisions to Marginal Tax Rate and Traditional v. Roth wiki articles
Replies: 179
Views: 6763

Re: Seeking comment on proposed revisions to Marginal Tax Rate and Traditional v. Roth wiki articles

Are there any examples in which using (change in tax)/(change in income) leads to an incorrect choice for that change in income? If so, let's discuss. If not, let's put this to bed and go back to the consensus reached three years ago. I disagree that that is the deciding factor. The wiki should use...
by rkhusky
Mon May 20, 2019 6:38 am
Forum: Personal Finance (Not Investing)
Topic: Seeking comment on proposed revisions to Marginal Tax Rate and Traditional v. Roth wiki articles
Replies: 179
Views: 6763

Re: Seeking comment on proposed revisions to Marginal Tax Rate and Traditional v. Roth wiki articles

My only point is that there's also a "cost" associated with deviating from standard terminology, and that has to be balanced against the pedagogical value of what you're proposing. And, as noted previously, the wiki is not supposed to engage in original research. And creating new definitions for ex...
by rkhusky
Sun May 19, 2019 6:36 am
Forum: Personal Finance (Not Investing)
Topic: Tax Loss Harvesting and Wash Sale Advice
Replies: 3
Views: 365

Re: Tax Loss Harvesting and Wash Sale Advice

Have you looked at VLCAX? Or VIMAX? Having the same funds in taxable and tax-advantaged doesn't preclude TLH. You just have to be careful. See https://www.bogleheads.org/forum/viewtopic.php?f=1&t=264203#p4226175 for arguments for including 403b accounts in wash sales. See the prior post for the oppo...
by rkhusky
Sat May 18, 2019 4:52 pm
Forum: Personal Finance (Not Investing)
Topic: Seeking comment on proposed revisions to Marginal Tax Rate and Traditional v. Roth wiki articles
Replies: 179
Views: 6763

Re: Seeking comment on proposed revisions to Marginal Tax Rate and Traditional v. Roth wiki articles

In Traditional versus Roth - Bogleheads , it says The main reason to prefer one type of account over the other is the comparison of marginal tax rates. If your marginal tax rate now is higher than your estimated marginal tax rate at retirement Thus we need an operative definition of "marginal tax r...
by rkhusky
Sat May 18, 2019 1:07 pm
Forum: Personal Finance (Not Investing)
Topic: Seeking comment on proposed revisions to Marginal Tax Rate and Traditional v. Roth wiki articles
Replies: 179
Views: 6763

Re: Seeking comment on proposed revisions to Marginal Tax Rate and Traditional v. Roth wiki articles

Marginal Tax Rate is the percent increase (decrease) in tax liability due to adding (subtracting) $1 of income, i.e. it is the tax rate on the "next" ("last") dollar of income. It is customary to ignore changes in the marginal rate that are due to rounding, tax tables, and other periodic step funct...
by rkhusky
Sat May 18, 2019 7:53 am
Forum: Personal Finance (Not Investing)
Topic: Seeking comment on proposed revisions to Marginal Tax Rate and Traditional v. Roth wiki articles
Replies: 179
Views: 6763

Re: Seeking comment on proposed revisions to Marginal Tax Rate and Traditional v. Roth wiki articles

How about this: A taxpayer's marginal tax rate is the amount by which tax liability increases due to a small increase in income, expressed as the percentage of the income increase by which the tax liability increases. For example, if earning an additional $20 per year would increase your tax liabil...
by rkhusky
Fri May 17, 2019 7:37 pm
Forum: Personal Finance (Not Investing)
Topic: Seeking comment on proposed revisions to Marginal Tax Rate and Traditional v. Roth wiki articles
Replies: 179
Views: 6763

Re: Seeking comment on proposed revisions to Marginal Tax Rate and Traditional v. Roth wiki articles

Put me down for voting for "marginal" to refer to small additions (<$1000, but preferably <$100) to income and "average" to refer to large additions (>$1000 or when crossing discrete tax boundaries). Note that Wikipedia articles are not meant to be original research, but are instead supposed to have...
by rkhusky
Thu May 16, 2019 8:51 pm
Forum: Investing - Theory, News & General
Topic: Argument against Target Fund
Replies: 32
Views: 2477

Re: Argument against Target Fund

TR2040 should be close to 50/50 in 2039. If both US and Int'l stocks drop by 50%, TR2040 would drop by 25%.
by rkhusky
Thu May 16, 2019 6:38 am
Forum: Personal Investments
Topic: Tilting very slightly towards small & mid caps. Is this a good idea?
Replies: 36
Views: 2739

Re: Tilting very slightly towards small & mid caps. Is this a good idea?

pdavi21 wrote:
Wed May 15, 2019 11:33 pm
PS: Many small funds are actually primarily mid...check Morningstar.
Especially since Morningstar redefined mid and small at the beginning of last year. In 2017, Morningstar had Vanguard's Small Cap Index at 40-45% mid-cap. In 2018, it jumped to 60-65% mid-cap, according to Morningstar.
by rkhusky
Thu May 16, 2019 6:32 am
Forum: Investing - Theory, News & General
Topic: Did you buy the 600+ dip last week ?
Replies: 126
Views: 7500

Re: Did you buy the 600+ dip last week ?

I anticipated falling below my rebalance limit and moved some money from bonds to stocks on Monday.
by rkhusky
Wed May 15, 2019 7:19 am
Forum: Personal Investments
Topic: Quick question on Roth IRA and taxable accounts
Replies: 4
Views: 493

Re: Quick question on Roth IRA and taxable accounts

Hi all, I've been a set-and-forget guy for such a long time, that I have literally forgotten the rules :D I want to exchange my Total Market and International holdings for a Target Date fund. Called Vanguard, but the kid on the line was not very convincing, so here goes -- 1. If I sell VTSAX to buy...
by rkhusky
Tue May 14, 2019 8:33 pm
Forum: Personal Finance (Not Investing)
Topic: I accidentally retired, and need tax advice
Replies: 48
Views: 6232

Re: I accidentally retired, and need tax advice

What is your total portfolio value? What are your yearly expenses? If you are in the 12% tax bracket, long term cap gains and qualified stock dividends are taxed at 0%. Bond dividends, short term cap gains, and non-qualified stock dividends are taxed at 12%. Maximize the former and minimize the latt...
by rkhusky
Tue May 14, 2019 5:16 pm
Forum: Investing - Theory, News & General
Topic: Vanguard Long Term Bond Index to charge 0.50% fee on purchases
Replies: 64
Views: 5652

Re: Vanguard Long Term Bond Index to charge 0.50% fee on purchases

Other funds have purchase fees, e.g. Int Corp Bond, which don't have anything to do with ETF's. Vanguard uses the fees to reduce frequent buying and selling of the fund and to compensate long term holders when frequent buying/selling occurs.
by rkhusky
Tue May 14, 2019 12:03 pm
Forum: Investing - Theory, News & General
Topic: Nobody knows nothing and AA
Replies: 19
Views: 2208

Re: Nobody knows nothing and AA

I do think we can have a good idea of what will happen in the short term. Probably within the next few months at least. Beyond that would probably just be speculation. We do have a good idea of where bonds will go for the next year based on interest rates though. Seems like some results can be impr...
by rkhusky
Tue May 14, 2019 11:56 am
Forum: Personal Investments
Topic: 31 Years Old, Sold Company for 3MM. Want to retire. How to allocate in taxable?
Replies: 19
Views: 3071

Re: 31 Years Old, Sold Company for 3MM. Want to retire. How to allocate in taxable?

At 3.5%, anything from 30/70 - 100/0 would probably work (50/50 - 60/40 might be the sweet spot). If all you are doing is withdrawing about $100K/yr ($3M after tax?), you are likely in a low tax bracket. A combination of VTSAX, VTIAX and VBTLX is the classic 3-fund portfolio. Rebalance by withdrawin...
by rkhusky
Tue May 14, 2019 11:38 am
Forum: Investing - Theory, News & General
Topic: Nobody knows nothing and AA
Replies: 19
Views: 2208

Re: Nobody knows nothing and AA

I do think we can have a good idea of what will happen in the short term. Probably within the next few months at least. Beyond that would probably just be speculation. We do have a good idea of where bonds will go for the next year based on interest rates though. Seems like some results can be impr...
by rkhusky
Tue May 14, 2019 7:30 am
Forum: Investing - Theory, News & General
Topic: Firecalc is telling me to be [aggressive]: 85/15. Should I trust the advice?
Replies: 39
Views: 4681

Re: Firecalc is telling me to be [aggressive]: 85/15. Should I trust the advice?

One problem with modeling the stock market is that the statistics change over time - it is non-stationary. Another problem is that there is some structure to the market, it is not completely random. There are correlations over time, which change over time. Those things can be hard to model correctly...
by rkhusky
Mon May 13, 2019 1:34 pm
Forum: Personal Investments
Topic: Vanguard Target Retirement Funds - Investor vs Admiral Shares
Replies: 17
Views: 1699

Re: Vanguard Target Retirement Funds - Investor vs Admiral Shares

Isn't that like saying there is no benefit to the Admiral funds? The makeup of the Admiral funds is identical to the Investor funds. So, why pay more for the exact same thing? The TR funds handle all rebalancing and glide path adjustments for you. All you need to do is contribute. You don't need lo...
by rkhusky
Mon May 13, 2019 1:28 pm
Forum: Investing - Theory, News & General
Topic: Firecalc is telling me to be [aggressive]: 85/15. Should I trust the advice?
Replies: 39
Views: 4681

Re: Firecalc is telling me to be [aggressive]: 85/15. Should I trust the advice?

Firecalc uses historical data , Vanguard is Monte Carlo. I tried reading about it. So Monte Carlo uses a model right? So then my question would be why does Vanguard's model predict better outcomes of bonds? Most sources I've read predict expect returns on bonds. Impossible to know without the detai...