Search found 7316 matches

by rkhusky
Wed Nov 13, 2019 8:25 am
Forum: Personal Investments
Topic: Which BOND Fund in Taxable at 22% Tax Rate
Replies: 15
Views: 1517

Re: Which BOND Fund in Taxable at 22% Tax Rate

High quality muni's on the whole are pretty safe, I hope. A past study showed that AAA and AA muni's had virtually no defaults. And for the few defaults, investors eventually got most of their money back. For a detailed look at muni default, see: https://www.researchpool.com/download/?report_id=141...
by rkhusky
Wed Nov 13, 2019 8:20 am
Forum: Personal Investments
Topic: Do you batch 529 reimbursement or match costs?
Replies: 12
Views: 874

Re: Do you batch 529 reimbursement or match costs?

HereToLearn wrote:
Wed Nov 13, 2019 12:31 am
I sent you a message but it won't leave my inbox. I wonder if that has anything to do with your settings?
I think it stays in your outbox until recipient reads it.
by rkhusky
Tue Nov 12, 2019 10:44 pm
Forum: Personal Investments
Topic: Which BOND Fund in Taxable at 22% Tax Rate
Replies: 15
Views: 1517

Re: Which BOND Fund in Taxable at 22% Tax Rate

Yes, 22% probably unless more dividends from the Bond Funds push me into 24%. With RMDS in 7 years from now, there is a chance that could happen, we will see Thanks Aristotelian for asking. Husky, I like the way you calculate the costs & results of the possible moves you make, to the Dollar. For su...
by rkhusky
Tue Nov 12, 2019 5:18 pm
Forum: Investing - Theory, News & General
Topic: Why is VBTLX dropping?
Replies: 16
Views: 3301

Re: Why is VBTLX dropping?

Deleted. Not relevant anymore.
by rkhusky
Tue Nov 12, 2019 2:05 pm
Forum: Personal Consumer Issues
Topic: Saving seats on Southwest
Replies: 177
Views: 9587

Re: Saving seats on Southwest

And saving seats is apparently not against the rules either. Or choosing the aisle and window, hoping no one sits in the middle. Or buying basic fare and then asking people who paid main cabin fare to switch with you. Or putting your bag above someone else's seat when there is space above your row....
by rkhusky
Tue Nov 12, 2019 11:17 am
Forum: Personal Investments
Topic: TSP question
Replies: 6
Views: 598

Re: TSP question

Historically, having some stocks has been safer than all bonds.

L Income would be better than 100% G Fund, assuming no other investments.
by rkhusky
Tue Nov 12, 2019 10:00 am
Forum: Personal Investments
Topic: Which BOND Fund in Taxable at 22% Tax Rate
Replies: 15
Views: 1517

Re: Which BOND Fund in Taxable at 22% Tax Rate

Thanks Husky for your helpful advice, How much in cap gains ? VWIUX in my account has $3k & DW has $13k in cap gains. Bond Funds if in Taxable carry 15% Cap Gains instead of Ordinary Income tax rate in Tax Deferred, right ? Thanks again If you sold all your VWIUX in yours and DW's account, that wou...
by rkhusky
Tue Nov 12, 2019 9:01 am
Forum: Personal Investments
Topic: Have a regular TSP, should I consider a Roth TSP?
Replies: 5
Views: 476

Re: Have a regular TSP, should I consider a Roth TSP?

Would it be of any benefit to me to establish a Roth TSP? Not unless you plan to contribute a significant amount. The TSP does not allow Roth conversions - you have to transfer funds to an IRA to do that. And you can't roll Roth IRA money into the TSP. In fact, if your annual leave payout and/or VS...
by rkhusky
Tue Nov 12, 2019 8:55 am
Forum: Personal Finance (Not Investing)
Topic: Fed. Employee Retirement /FEHB & HSA contributions
Replies: 1
Views: 149

Re: Fed. Employee Retirement /FEHB & HSA contributions

After your retirement date, but before you received your first annuity payment, how are contributions and premiums handled? thank you You are billed directly by the insurance companies for the first couple of months. You should get a couple of estimated checks before the official checks start to ar...
by rkhusky
Tue Nov 12, 2019 8:45 am
Forum: Investing - Theory, News & General
Topic: Why is VBTLX dropping?
Replies: 16
Views: 3301

Re: Why is VBTLX dropping?

And you should be holding VBLAX, not VBTLX. Or VWETX. That's a completely different fund, rather than Admiral versus Investor. So is VBLAX, the Vanguard Long-Term Bond Index Fund Admiral Shares. VBTLX is the Vanguard Total Bond Market Index Fund Admiral Shares. Whoops! I read the original post as V...
by rkhusky
Tue Nov 12, 2019 8:41 am
Forum: Personal Investments
Topic: Asset allocation in Triditional 401k
Replies: 6
Views: 375

Re: Asset allocation in Triditional 401k

Vanguard Total Bond. If this is to be a permanent move to a safer portfolio, due to change in circumstances or an epiphany about market risk, make the full move today. There is a certain satisfaction at selling near the top of the current market, even if the market goes up from here (even more satis...
by rkhusky
Tue Nov 12, 2019 8:29 am
Forum: Investing - Theory, News & General
Topic: Rich people are hoarding cash
Replies: 136
Views: 19820

Rich preparing for market drop

See: https://www.bloomberg.com/news/articles/2019-11-12/world-s-rich-readying-for-major-stock-sell-off-ubs-wealth-says The (real) lesson here is not that one should try to guess when a major market sell-off will happen, but that one should be ready for one at all times. If you are 100% stock, don't ...
by rkhusky
Tue Nov 12, 2019 8:08 am
Forum: Investing - Theory, News & General
Topic: Why is VBTLX dropping?
Replies: 16
Views: 3301

Re: Why is VBTLX dropping?

rossington wrote:
Tue Nov 12, 2019 3:17 am
rkhusky wrote:
Sun Nov 10, 2019 5:46 pm
And you should be holding VBLAX, not VBTLX.
Or VWETX.
That's a completely different fund, rather than Admiral versus Investor. edit: Sorry. Meant VBLTX (Long Term Investor) not VBTLX (Total Bond Admiral).
by rkhusky
Tue Nov 12, 2019 8:06 am
Forum: Personal Consumer Issues
Topic: Saving seats on Southwest
Replies: 177
Views: 9587

Re: Saving seats on Southwest

How about the couples that choose the two aisle seats across from each other, hogging both 3 seat groups? What's wrong with that? It's open seating. If they both like aisles, they should do exactly this. Same as the rudeness of saving seats or choosing the aisle and window, hoping no one sits in th...
by rkhusky
Tue Nov 12, 2019 8:01 am
Forum: Personal Consumer Issues
Topic: Saving seats on Southwest
Replies: 177
Views: 9587

Re: Saving seats on Southwest

there is no problem. They both bought tickets and both prefer aisle seats. They don't owe any other passengers anything. Neither do the parents that don't control their kids or try to comfort their crying babies. Or those that bring smelly food on the plane. Or those that talk loudly on their cell ...
by rkhusky
Mon Nov 11, 2019 11:05 pm
Forum: Personal Investments
Topic: Which BOND Fund in Taxable at 22% Tax Rate
Replies: 15
Views: 1517

Re: Which Tax Fund in Taxable at 22% Tax Rate

Total Bond has slightly more gov't bonds than Intermediate-Term Bond (63% vs. 54%), so it is slightly safer and should therefore have slightly lower returns. Intermediate-Term Bond has more corporate bonds in the lower credit rating (41% vs 29%), which are riskier and have higher correlation to stoc...
by rkhusky
Mon Nov 11, 2019 10:06 pm
Forum: Personal Investments
Topic: Which BOND Fund in Taxable at 22% Tax Rate
Replies: 15
Views: 1517

Re: Which Tax Fund in Taxable at 22% Tax Rate

What is your state tax rate?
by rkhusky
Mon Nov 11, 2019 6:16 pm
Forum: Personal Investments
Topic: Tax Gain Harvesting and Dividend Schedule
Replies: 33
Views: 1289

Re: Tax Gain Harvesting and Dividend Schedule

There is not much of a reason for OP to avoid dividends, since VTSAX dividends will be either 95% or 100% qualified, and OP is in 0% LTCG/QDI bracket. Unless OP has less room in 0% bracket than cap gains to harvest. Plus VTSAX distributes quarterly, so the dividend is smaller than it would be, for e...
by rkhusky
Mon Nov 11, 2019 2:44 pm
Forum: Personal Investments
Topic: Asset Allocation for larger portfolio
Replies: 29
Views: 1906

Re: Asset Allocation for larger portfolio

Just the opposite for me. The larger my portfolio became (and the older I got), the more that I worried about losing it. So I increased the allocation to bonds.
by rkhusky
Mon Nov 11, 2019 2:02 pm
Forum: Personal Investments
Topic: Tax Gain Harvesting and Dividend Schedule
Replies: 33
Views: 1289

Re: Tax Gain Harvesting and Dividend Schedule

Tax gain harvesting with 0% LTCG and 0% state tax makes good sense. However, you can also sell and buy VTSAX in order to TGH. It is not clear to me why VTI is better than VTSAX for reinvesting dividends. VTI and VTSAX are essentially the same. I also don't see the point of TGH around the dividend p...
by rkhusky
Mon Nov 11, 2019 1:40 pm
Forum: Personal Investments
Topic: Tax Gain Harvesting and Dividend Schedule
Replies: 33
Views: 1289

Re: Tax Gain Harvesting and Dividend Schedule

Tax gain harvesting with 0% LTCG and 0% state tax makes good sense. However, you can also sell and buy VTSAX in order to TGH, although there is the issue with Vanguard's frequent trading policies, but I've heard that they can be avoided with a scheduled transaction. Or you could do a buy and then se...
by rkhusky
Sun Nov 10, 2019 6:52 pm
Forum: Personal Consumer Issues
Topic: Saving seats on Southwest
Replies: 177
Views: 9587

Re: Saving seats on Southwest

How about the couples that choose the two aisle seats across from each other, hogging both 3 seat groups? Spouse and I book aisle seats across from each other all the time as we both prefer the aisle. Our consciences are clear. :D Booking is different than taking on SWA. No, it isn’t. You are assum...
by rkhusky
Sun Nov 10, 2019 6:45 pm
Forum: Personal Consumer Issues
Topic: Saving seats on Southwest
Replies: 177
Views: 9587

Re: Saving seats on Southwest

I don’t fly on Southwest, but when my wife and I fly together in coach, we generally book aisle seats (across the aisle from each other), as it’s more comfortable. Not clear to me why two passengers on Southwest can’t do the same. You’re not suggesting they made the other seats unavailable, are you...
by rkhusky
Sun Nov 10, 2019 6:41 pm
Forum: Personal Consumer Issues
Topic: Saving seats on Southwest
Replies: 177
Views: 9587

Re: Saving seats on Southwest

there is no problem. They both bought tickets and both prefer aisle seats. They don't owe any other passengers anything. Neither do the parents that don't control their kids or try to comfort their crying babies. Or those that bring smelly food on the plane. Or those that talk loudly on their cell ...
by rkhusky
Sun Nov 10, 2019 6:00 pm
Forum: Personal Consumer Issues
Topic: Saving seats on Southwest
Replies: 177
Views: 9587

Re: Saving seats on Southwest

there is no problem. They both bought tickets and both prefer aisle seats. They don't owe any other passengers anything. Neither do the parents that don't control their kids or try to comfort their crying babies. Or those that bring smelly food on the plane. Or those that talk loudly on their cell ...
by rkhusky
Sun Nov 10, 2019 5:59 pm
Forum: Personal Consumer Issues
Topic: Saving seats on Southwest
Replies: 177
Views: 9587

Re: Saving seats on Southwest

HomeStretch wrote:
Sun Nov 10, 2019 5:54 pm
rkhusky wrote:
Sun Nov 10, 2019 5:39 pm
How about the couples that choose the two aisle seats across from each other, hogging both 3 seat groups?
Spouse and I book aisle seats across from each other all the time as we both prefer the aisle. Our consciences are clear. :D
Booking is different than taking on SWA.
by rkhusky
Sun Nov 10, 2019 5:51 pm
Forum: Personal Consumer Issues
Topic: Saving seats on Southwest
Replies: 177
Views: 9587

Re: Saving seats on Southwest

How about the couples that choose the two aisle seats across from each other, hogging both 3 seat groups? What's wrong with that? It's open seating. If they both like aisles, they should do exactly this. Same as the rudeness of saving seats or choosing the aisle and window, hoping no one sits in th...
by rkhusky
Sun Nov 10, 2019 5:46 pm
Forum: Investing - Theory, News & General
Topic: Why is VBTLX dropping?
Replies: 16
Views: 3301

Re: Why is VBTLX dropping?

“Don't feel bad about the NAV dropping. Now you're getting .01% more in interest going foward (unless interest rates drop, but then your NAV will go up).“ You dont get “more interest” because NAV fell. The interest payment amount is the same. The yield (interest amount divided by NAV) goes up becau...
by rkhusky
Sun Nov 10, 2019 5:39 pm
Forum: Personal Consumer Issues
Topic: Saving seats on Southwest
Replies: 177
Views: 9587

Re: Saving seats on Southwest

How about the couples that choose the two aisle seats across from each other, hogging both 3 seat groups?
by rkhusky
Sat Nov 09, 2019 10:53 pm
Forum: Personal Investments
Topic: What’s in your TSP?
Replies: 47
Views: 3281

Re: What’s in your TSP?

It’s interesting to see only one person, so far, using the L Fund. As the ER is quite low, what’s the negative to the L Funds? Is it more optimal to recreate the 3 fund portfolio inside the TSP? Are there any benefits to the L fund? Bogleheads like to mess around with their investments. The L Funds...
by rkhusky
Sat Nov 09, 2019 10:47 pm
Forum: Investing - Theory, News & General
Topic: How often should someone rebalance?
Replies: 43
Views: 3055

Re: How often should someone rebalance?

I check twice a month and rebalance if my categories are off by approximately 1%. Computing my AA takes more work than rebalancing, so why not do it when it deviates from what I want. I rebalance in tax-advantaged so there is no cost or taxes. I suppose if you really only compute your AA once a year...
by rkhusky
Sat Nov 09, 2019 11:53 am
Forum: Investing - Theory, News & General
Topic: Funds Missing from Vanguard Funds List
Replies: 16
Views: 1989

Re: Funds Missing from Vanguard Funds List

RAchip wrote:
Sat Nov 09, 2019 10:13 am
VUSXX does not seem to be listed either.
That has a $50K minimum and no Investor/Admiral shares.
by rkhusky
Sat Nov 09, 2019 7:41 am
Forum: Investing - Theory, News & General
Topic: Funds Missing from Vanguard Funds List
Replies: 16
Views: 1989

Re: Funds Missing from Vanguard Funds List

. Two more that appear to be gone from list: Vanguard FTSE All-World ex-US Small-Cap Index Fund Admiral Shares (VFSAX) Vanguard FTSE All-World ex-US Index Fund Admiral Shares (VFWAX) When I click the link from the first post, using a desktop computer, I see VGRLX, VDADX, VFSAX and VFWAX in the list...
by rkhusky
Fri Nov 08, 2019 9:25 pm
Forum: Personal Finance (Not Investing)
Topic: Do I Understand Safe Harbor rules correctly?
Replies: 27
Views: 2465

Re: Do I Understand Safe Harbor rules correctly?

110% of last years taxes will do it. So will within $1000 of tax owed. Just need one, not both.

However, the tax needs to be either through withholding or evenly spread through the year (e.g. you can't make an estimated payment of 110% on 12/31).
by rkhusky
Fri Nov 08, 2019 6:48 pm
Forum: Personal Investments
Topic: Need Help With Bond Funds and Comfort Level. Or...
Replies: 9
Views: 992

Re: Need Help With Bond Funds and Comfort Level. Or...

Another thing that might help in thinking about bond funds is the duration of the fund. Duration is basically the length of time that you have to wait until the extra interest earned from a rate increase equals the drop in price (or NAV) caused by the interest rate increase. The price is generally e...
by rkhusky
Fri Nov 08, 2019 6:00 pm
Forum: Personal Investments
Topic: Need Help With Bond Funds and Comfort Level. Or...
Replies: 9
Views: 992

Re: Need Help With Bond Funds and Comfort Level. Or...

It is all about risk versus return. Savings accounts, CD’s, and money markets are very safe and therefore return the least. Total Bond Fund is about 70% in Treasuries and 30% in corporate bonds, with intermediate risk in the bond universe and should pay a little more. A full corporate bond fund, esp...
by rkhusky
Fri Nov 08, 2019 2:32 pm
Forum: Investing - Theory, News & General
Topic: Theoretical Portfolio Idea: proportional to AUM of each Vanguard Fund
Replies: 8
Views: 463

Re: Theoretical Portfolio Idea: proportional to AUM of each Vanguard Fund

That’s essentially what Total Stock Market is when using US stocks instead of Vanguard funds. The same for Total International for ex-US stocks. It is market cap weighted investing. It’s the collective wisdom of all investors (along with all their different biases, goals, cost functions, get-rich-qu...
by rkhusky
Fri Nov 08, 2019 11:45 am
Forum: Personal Investments
Topic: TSP Allocation Review
Replies: 4
Views: 477

Re: TSP Allocation Review

F has outperformed G since inception, which is expected since it is more volatile, even accounting for G’s special properties.

Go 100% L2050 in the TSP and 100% Emerging Markets in your Roth IRA.
by rkhusky
Fri Nov 08, 2019 11:34 am
Forum: Investing - Theory, News & General
Topic: How often should someone rebalance?
Replies: 43
Views: 3055

Re: How often should someone rebalance?

As long as it’s free, as often as you want. You would run into Vanguard’s frequent trading policy if you tried to do it weekly.
by rkhusky
Fri Nov 08, 2019 8:48 am
Forum: Personal Investments
Topic: TSP Contributions - Retiring Mid Year
Replies: 16
Views: 1070

Re: TSP Contributions - Retiring Mid Year

Considering retiring from federal service after almost 19 years in Aug 2020, age 61. Was wondering if it was a good idea to change my allotments to max out my Roth 401k and Catch up before I retire, since I won't be working the remainder of the year. Have no plans to tap the TSP for quite a few yea...
by rkhusky
Fri Nov 08, 2019 8:31 am
Forum: Personal Investments
Topic: large stake in VNQ [Vanguard Real Estate ETF]
Replies: 17
Views: 1296

Re: large stake in VNQ [Vanguard Real Estate ETF]

So, recently i decided to put a lot of my Roth money in VNQ, since at least if the market crashes it'll pay out a bigger dividend. Have you noticed that the share price of VNQ drops proportionately to the dividend paid, such that you have as much money before as after the payment of the dividend (t...
by rkhusky
Fri Nov 08, 2019 8:13 am
Forum: Personal Finance (Not Investing)
Topic: 72t withdrawals and new contributions
Replies: 15
Views: 855

Re: 72t withdrawals and new contributions

It seems I can pull out $12k-$28k depending on which method I choose. I need about $20k for living expenses...but I have over 5 years of that in my taxable account. So, the question becomes do I exhaust all the taxable account before starting the 72t? Do you plan to do any Roth conversions between ...
by rkhusky
Thu Nov 07, 2019 10:02 pm
Forum: Personal Finance (Not Investing)
Topic: 72t withdrawals and new contributions
Replies: 15
Views: 855

Re: 72t withdrawals and new contributions

Here is a 72t calculator: https://www.dinkytown.net/java/72t-calculator.html It shows that if you start the 72t at age 50, you can pull about $4700/yr for each $100K in the 72t account, for an interest rate of 3% and single life expectancy and the fixed amortization method. The site below says the F...
by rkhusky
Thu Nov 07, 2019 9:37 pm
Forum: Personal Investments
Topic: taxation when rebalancing??
Replies: 14
Views: 916

Re: taxation when rebalancing??

FYI s have all my tax-advantaged accounts (Trad IRA, Roth IRA, SIMPLE IRA) in Target Retirement 2055 so that of course auto balances. My taxable account is mostly VTSAX and some VGSLX. If you have too much in stock, you can move to a TR fund with an earlier year. If you have too much in bonds, you ...
by rkhusky
Thu Nov 07, 2019 8:27 pm
Forum: Personal Investments
Topic: TSP and Vanguard allocation review
Replies: 16
Views: 1084

Re: TSP and Vanguard allocation review

1. The first sentence above describes a "two-step" process, from TSP to VG Traditional IRA, and from there to Roth IRA. I have gotten mixed messages on that, with some indications that two-step is preferred (or perhaps even required), but other indications that I can do a direct rollover from TSP t...
by rkhusky
Thu Nov 07, 2019 8:24 pm
Forum: Personal Investments
Topic: TSP and Vanguard allocation review
Replies: 16
Views: 1084

Re: TSP and Vanguard allocation review

rinalee wrote:
Thu Nov 07, 2019 10:50 am
I will also further look into Roth conversion. Thank you!
Note that I forgot that you probably have a pension, which should be taken into account in the calculations.
by rkhusky
Thu Nov 07, 2019 8:19 pm
Forum: Personal Investments
Topic: Is there any vanguard fund similar to Target Retirement NOT so intl heavy??
Replies: 15
Views: 1389

Re: Is there any vanguard fund similar to Target Retirement NOT so intl heavy??

Perhaps an earlier Target Retirement plan plus Total Stock Market. Or a later Target Retirement plan plus Total Bond.
by rkhusky
Thu Nov 07, 2019 11:34 am
Forum: Personal Finance (Not Investing)
Topic: Roth 401k Withdrawal Rules
Replies: 11
Views: 539

Re: Roth 401k Withdrawal Rules

FIBoston wrote:
Thu Nov 07, 2019 9:15 am

in the area we want to live, a 3 bed, 2 bath approx 1500 sq ft home will range from $400-$600k. The goal is to save enough to go to $600k if we need to.
Check to see which is better: paying PMI or forgoing the company match.
by rkhusky
Thu Nov 07, 2019 11:27 am
Forum: Personal Investments
Topic: VTSAX vs Target Retirement Date vs Lazy 3 Fund...
Replies: 14
Views: 1453

Re: VTSAX vs Target Retirement Date vs Lazy 3 Fund...

It sure is satisfying to have some bonds to sell and buy stocks when the market crashes.
by rkhusky
Thu Nov 07, 2019 11:19 am
Forum: Investing - Theory, News & General
Topic: The hidden cost of Fidelity’s ZERO funds
Replies: 66
Views: 5570

Re: The hidden cost of Fidelity’s ZERO funds

TSR wrote:
Thu Nov 07, 2019 10:52 am
It would seem that the easiest way to test this would be to compare these funds to the TSP C fund, which tracks the S&P 500 but NEVER pays a dividend! Surely that means they're robbing us blind, right?
Dividends are included in C Fund share price.