Search found 60 matches

by make_a_better_world
Thu Sep 26, 2019 10:49 pm
Forum: Personal Investments
Topic: Mother laid off without retirement savings
Replies: 24
Views: 5539

Re: Mother laid off without retirement savings

I'm sure we each have different relationships with our mothers. With mine, it would be tough for me to know if she genuinely isn't worried or just doesn't want me to worry. I can only tell you what I would do: Make sure she has a house that is paid off. You can help her pay it. If she works, help he...
by make_a_better_world
Tue Sep 24, 2019 9:01 pm
Forum: Personal Investments
Topic: Maxed out tax-advantaged space, next steps
Replies: 14
Views: 1334

Re: Maxed out tax-advantaged space, next steps

First off you're doing an amazing job, especially considering your age. What I would do: 1. 32% is already high to me. I'd do the traditional 401k. 2. I would eliminate both debts. Your February bonus is great. I would not refinance anything but just get rid of it. 3. After #2, before locking too mu...
by make_a_better_world
Sun Sep 22, 2019 3:42 pm
Forum: Personal Investments
Topic: Anyone here has more 200k in a single stock ?
Replies: 58
Views: 8334

Re: Anyone here has more 200k in a single stock ?

The realistic options I can think of to avoid the tax upon sale are: Sell portion of MSFT any time you can capture capital loss elsewhere to have them offset each other. Give $15k worth (calculated based on the original basis, not current value) to someone with low income. If you know someone with i...
by make_a_better_world
Sat Sep 21, 2019 6:47 pm
Forum: Personal Investments
Topic: Investing in an apt complex through a real estate equity firm
Replies: 40
Views: 2423

Re: Investing in an apt complex through a real estate equity firm

My 2 cents: I invest in commercial real estate under the mentorship of some family members that do it for a living. On my 3rd property now. Some of the best investments I've ever made and they are the big part of my retirement plan. None of us give money over to someone else and sacrifice control. ...
by make_a_better_world
Fri Sep 20, 2019 3:54 pm
Forum: Personal Investments
Topic: Investing in an apt complex through a real estate equity firm
Replies: 40
Views: 2423

Re: Investing in an apt complex through a real estate equity firm

My 2 cents: I invest in commercial real estate under the mentorship of some family members that do it for a living. On my 3rd property now. Some of the best investments I've ever made and they are the big part of my retirement plan. None of us give money over to someone else and sacrifice control. A...
by make_a_better_world
Sun Sep 15, 2019 4:25 pm
Forum: Personal Investments
Topic: Can’t pull the trigger
Replies: 15
Views: 2727

Re: Can’t pull the trigger

You could look at this situation the same as having a windfall, which there are many discussions on if you're interested. Many on this forum mention that lump sum statistically beats DCA 2/3 of the time. I linked the actual study. https://personal.vanguard.com/pdf/ISGDCA.pdf What is often not mentio...
by make_a_better_world
Sun Sep 08, 2019 3:06 pm
Forum: Investing - Theory, News & General
Topic: HEDGEFUNDIE's excellent adventure Part II: The next journey
Replies: 1262
Views: 76107

Re: HEDGEFUNDIE's excellent adventure Part II: The next journey

Would you implement this strategy with 100% of the capital? Would you trust your retirement savings using this strategy? Thanks Privatefarmer took it a step further and is holding it with additional leverage (1.5x I believe). I personally find it insane, but impressive grit. im using a combo of LET...
by make_a_better_world
Tue Sep 03, 2019 7:19 pm
Forum: Investing - Theory, News & General
Topic: Forbes: The Bubble That Is The S&P 500 Index
Replies: 38
Views: 7253

Re: Forbes: The Bubble That Is The S&P 500 Index

If prices go up due to more money moving into indexing, then all companies see appreciation and all P/E ratios increase. The fact that it is cap weighted necessarily means that no particular company will get a disproportionate increase in P/E relative to the previous P/E discrepancies with other com...
by make_a_better_world
Thu Aug 15, 2019 9:01 pm
Forum: Investing - Theory, News & General
Topic: Confused, bummed, and concerned
Replies: 74
Views: 10607

Re: Confused, bummed, and concerned

This is how I think of it, which is simplistic compared to many of the very intelligent people on this board: Man began with a pointed stick and an 18-hour-per-day job chasing lizards. One hundred years ago many cities in my home state of Texas were mostly fields. Today there are incredible skyscrap...
by make_a_better_world
Tue Aug 13, 2019 6:38 pm
Forum: Investing - Theory, News & General
Topic: HEDGEFUNDIE's excellent adventure Part II: The next journey
Replies: 1262
Views: 76107

Re: HEDGEFUNDIE's excellent adventure [risk parity strategy using 3x leveraged ETFs]

I'm participating as of July 22 with 3.7% of my net worth. Part of it is in taxable and part in Roth. I'm using the Roth to balance the entire thing as if it were one account. I made an Excel sheet to calculate what I need to buy/sell to rebalance. Hopefully the accounts will not become too skewed o...
by make_a_better_world
Mon Aug 12, 2019 11:03 pm
Forum: Personal Investments
Topic: Portfolio Review - New to Forum
Replies: 7
Views: 734

Re: Portfolio Review - New to Forum

Regarding #4. The Roll-over IRA and traditional-IRA are equivalent in many ways and both can be reverse rolled to the 401k. You can even consolidate them before doing the reverse rollover but it's just an extra application form if they are two accounts. You'll want to make sure the 401k plan will ac...
by make_a_better_world
Mon Aug 12, 2019 3:00 pm
Forum: Personal Investments
Topic: I'm 31, and 95% stocks. Given economy indicators, would moving 20-30% to BND be "timing"?
Replies: 67
Views: 6333

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

Personally I am taking my own amateur version of Ray Dalio's All-Weather fund approach where you have different asset classes with different degrees of correlation. Isn't the Dalio all weather portfolio 30% stock, 60% bonds and rest in gold/commodities? With bonds stuck in low interest rate for >10...
by make_a_better_world
Sun Aug 11, 2019 7:25 pm
Forum: Personal Investments
Topic: I'm 31, and 95% stocks. Given economy indicators, would moving 20-30% to BND be "timing"?
Replies: 67
Views: 6333

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

michoco911 wrote:
Sun Aug 11, 2019 3:24 am
Personally I am taking my own amateur version of Ray Dalio's All-Weather fund approach where you have different asset classes with different degrees of correlation
Would be happy to hear from you how you translated this in terms of ETFs/Codes and percentages
I sent you a PM.
by make_a_better_world
Sat Aug 10, 2019 11:14 pm
Forum: Personal Investments
Topic: I'm 31, and 95% stocks. Given economy indicators, would moving 20-30% to BND be "timing"?
Replies: 67
Views: 6333

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

It's on a lot of our minds. On a short timeline the market may very well take a downturn. Attempting to predict where the market will be in the future, and using that assessment to decide when to move your money in and out is market timing and you'll probably be wrong about the moments to act. Tryin...
by make_a_better_world
Fri Aug 09, 2019 8:07 pm
Forum: Personal Investments
Topic: Tax deferment options for someone employed with side businesses
Replies: 3
Views: 288

Re: Tax deferment options for someone employed with side businesses

I figured it was too good to be true since I have not heard of anyone having three 401k plans before. Appreciate it.
by make_a_better_world
Fri Aug 09, 2019 8:03 pm
Forum: Personal Investments
Topic: Do you pause while doing a Backdoor Roth?
Replies: 16
Views: 1342

Re: Do you pause while doing a Backdoor Roth?

While I have performed the backdoor-Roth myself, I disagree with it being "blessed" by the IRS. If the spirit of the law was to encourage the strategy there would be no income limit on the Roth IRA in the first place. It's a loophole. The IRS is well aware of it and has made clear it is legal under ...
by make_a_better_world
Thu Aug 08, 2019 9:50 am
Forum: Personal Investments
Topic: Tax deferment options for someone employed with side businesses
Replies: 3
Views: 288

Tax deferment options for someone employed with side businesses

Dear Bogleheads, I want to start this post with a big thank you. I started using this forum 6 years ago and have received such great advice. Age 39 Income: Primary: (W-2) - $656k Rental property (NOI): $106k Side business (LLC, sole-proprietor – passes directly to me): highly variable, $26k - $224k ...
by make_a_better_world
Mon Aug 05, 2019 9:24 pm
Forum: Investing - Theory, News & General
Topic: HEDGEFUNDIE's excellent adventure [risk parity strategy using 3x leveraged ETFs]
Replies: 3353
Views: 284939

Re: HEDGEFUNDIE's excellent adventure [risk parity strategy using 3x leveraged ETFs]

This goes against everything the philosophy of this forum has regarding market timing and predictions, but I'm going to post it anyway. TMF likely surged and UPRO likely dropped as a direct result of the Fed interest rate cut and uncertainty in equities with US-China trade war. This quote was in the...
by make_a_better_world
Sun Jul 28, 2019 8:31 pm
Forum: Investing - Theory, News & General
Topic: HEDGEFUNDIE's excellent adventure [risk parity strategy using 3x leveraged ETFs]
Replies: 3353
Views: 284939

Re: HEDGEFUNDIE's excellent adventure [risk parity strategy using 3x leveraged ETFs]

Since you guys keep discussing the optimal frequency for rebalancing, just thought I'd share an option available if you must do this inside a taxable account: M1 offers dynamic rebalancing. So I put in a deposit to get started, set the pie at 40/60, and then added small monthly auto-deposits to go i...
by make_a_better_world
Wed Jul 10, 2019 5:51 pm
Forum: Investing - Theory, News & General
Topic: HEDGEFUNDIE's excellent adventure [risk parity strategy using 3x leveraged ETFs]
Replies: 3353
Views: 284939

Re: HEDGEFUNDIE's excellent adventure [risk parity strategy using 3x leveraged ETFs]

MotoTrojan wrote:
Wed Jul 10, 2019 4:27 pm

Woohoo another bold bet, I like it! Straight up 40/60 monthly rebalance?
I'll probably rebalance every 6 months or year but otherwise yes - the 40/60 split.
by make_a_better_world
Wed Jul 10, 2019 4:23 pm
Forum: Investing - Theory, News & General
Topic: HEDGEFUNDIE's excellent adventure [risk parity strategy using 3x leveraged ETFs]
Replies: 3353
Views: 284939

Re: HEDGEFUNDIE's excellent adventure [risk parity strategy using 3x leveraged ETFs]

Cheers for the thread with special thanks to Hedgfundie, Siamond and Samsdad. I found it a very interesting read and I'm going to try it with 100k as well.
by make_a_better_world
Sun Dec 30, 2018 12:35 am
Forum: Investing - Theory, News & General
Topic: What are some critiques of passive investing/index funds?
Replies: 75
Views: 6324

Re: What are some critiques of passive investing/index funds?

I see two significant potential downsides, which are both related to a scenario where index funds have been widely adopted by retail investors and institutions alike, and comprise a majority stake of all stocks in the market: 1. Indexed, passive investment fund managers do not evaluate individual co...
by make_a_better_world
Tue Oct 30, 2018 7:14 pm
Forum: Investing - Theory, News & General
Topic: Why I'm 100% stocks
Replies: 149
Views: 19634

Re: Why I'm 100% stocks

On backtesting I have done, 100% US stocks has outperformed portfolios that include some mixture of bonds, and the margin is usually modest (but sometimes great). The volatility is essentially always higher. International stocks have not performed nearly as well. I will point out that Warren Buffet ...
by make_a_better_world
Sun Oct 07, 2018 10:20 pm
Forum: Personal Investments
Topic: Investment advice for a friend in her nineties
Replies: 22
Views: 2027

Re: Investment advice for a friend in her nineties

I think it depends on what she plans to do with her assets at death, and I do not think that should be assumed. If she has grandchildren, for example, and plans to gift her assets to them, then I think it would be wise to invest the money into the longest time horizon portfolio just as for anyone el...
by make_a_better_world
Sun Oct 07, 2018 1:07 pm
Forum: Personal Investments
Topic: My biggest mistake - market timing
Replies: 62
Views: 10466

Re: My biggest mistake - market timing

VBMFX is essentially high rated US bonds of all types (short, intermediate, long term - US government and corporate). It avoids high risk/high return bonds (junk bonds). VBMFX is a good fund in my opinion to use for bonds in your investments. You could back test all sorts of scenarios on Portfoliovi...
by make_a_better_world
Wed Oct 03, 2018 8:43 pm
Forum: Personal Finance (Not Investing)
Topic: Real estate vs stock market returns: some unbiased numbers
Replies: 53
Views: 9651

Re: Real estate vs stock market returns: some unbiased numbers

In the last 5 years, I have invested in stocks and now have three commercial properties. For me, commercial real estate has been the best investment I have ever made. My first project cost about 750k, has been rented 3 years now, nets 90k after taxes per year, and the tenant just signed another 5 ye...
by make_a_better_world
Wed Oct 03, 2018 8:27 pm
Forum: Personal Investments
Topic: My biggest mistake - market timing
Replies: 62
Views: 10466

Re: My biggest mistake - market timing

Despite your husband saying he won't check it and that you seem confident, I recommend adding bonds at a significant portion to your stocks as many have suggested. What will happen is that when the market skyrockets you go up but not quite as much. When the market tanks you go down but not as much. ...
by make_a_better_world
Mon Oct 01, 2018 8:03 pm
Forum: Personal Finance (Not Investing)
Topic: What types of insurance do I need?
Replies: 3
Views: 485

Re: What types of insurance do I need?

Yes, I'd suggest that you "run, not walk" to get business/commercial liability/umbrella insurance, and probably for more than 1M (and you might re-consider that amount for your personal policy. It's not difficult for a serious injury to top that, especially if lifetime care is needed. Low probabili...
by make_a_better_world
Fri Sep 28, 2018 2:05 pm
Forum: Personal Finance (Not Investing)
Topic: What types of insurance do I need?
Replies: 3
Views: 485

What types of insurance do I need?

Dear Bogelheads, I own three commercial properties. Well technically, I do not own them; an LLC does and I am the main managing member. One has a free standing building rented to a tenant who runs a restaurant. The second property is a free standing building rented to a tenant who runs a restaurant ...
by make_a_better_world
Tue Sep 18, 2018 6:27 pm
Forum: Investing - Theory, News & General
Topic: Robert Shiller interview: "Market could get a lot higher"
Replies: 28
Views: 4860

Re: Robert Shiller interview: "Market could get a lot higher"

I heard him on YouTube the other day, and the main point he made regarding this, was that in 1996 pundits were saying we've had the longest bull run ever in history and it was about to crash and then the bull run continued for another 4 years. He also mentioned that the various ratios/markers are ve...
by make_a_better_world
Tue May 15, 2018 10:09 pm
Forum: Personal Investments
Topic: Can I afford to retire now?
Replies: 45
Views: 7463

Re: Can I afford to retire now?

Congratulations on your accomplishments. As others have said I would liquidate the foreign property, especially if it does not generate income. The numbers look good, but at 59 years old with a child that hasn't graduated there are a considerable number of assumptions on a long timeline. This gets p...
by make_a_better_world
Tue May 15, 2018 9:23 pm
Forum: Personal Investments
Topic: To sell or not to sell Investment Property?
Replies: 2
Views: 590

Re: To sell or not to sell Investment Property?

It sounds as if you are in an overall good place. I invest in commercial real estate and the market I'm in (Texas) might be very different than yours. Factors I would take into consideration that I could not gather from your post: - If you sell any of those properties, will you pay tax at a capital ...
by make_a_better_world
Sun May 13, 2018 2:20 pm
Forum: Investing - Theory, News & General
Topic: Doubling Your Money
Replies: 47
Views: 11846

Re: Doubling Your Money

This is grossly oversimplified but... If you hold your money in the US stock market as a whole AND the stock market continues to perform as it has over the last 100 years AND you look at a long time line of 30 years or more THEN: In a non-taxable account (you do not pay taxes on gains or dividends, ...
by make_a_better_world
Fri Mar 16, 2018 9:13 pm
Forum: Personal Investments
Topic: what to do with 1 million in hand..
Replies: 23
Views: 4132

Re: what to do with 1 million in hand..

If your mortgage loan is at 3% interest and the rate is locked, I would not pay off the loan. I would invest about 500k into the market inside a regular brokerage account in Vanguard into index funds like the total US stock marker and total international stock market. Don't plan on selling it. I wou...
by make_a_better_world
Sun Mar 11, 2018 1:50 pm
Forum: Personal Investments
Topic: 25YR old with considerable amount of cash
Replies: 48
Views: 7446

Re: 25YR old with considerable amount of cash

I am sorry to hear about your mother. Your most important asset right now is not the 750k. It is your ability to earn. Keeping that in mind I would use some of the money to invest in developing yourself- education and career or business. I agree with what someone said earlier in that I would assume ...
by make_a_better_world
Sun Mar 11, 2018 1:14 pm
Forum: Personal Investments
Topic: Buying a plot of land for retirement
Replies: 35
Views: 4480

Re: Buying a plot of land for retirement

If you are planning to live on the land from now and continue living there for the rest of your life, then it would make an excellent investment financially. If you are planning to hold it and start using it after 30 years, then the money you have now would be much better served in an investment tha...
by make_a_better_world
Fri Feb 09, 2018 8:28 pm
Forum: Investing - Theory, News & General
Topic: "The stock market is officially in a correction... here's what usually happens next"
Replies: 83
Views: 15821

Re: "The stock market is officially in a correction... here's what usually happens next"

I use dollar cost averaging with monthly automatic deposits into the core VG index funds. When the market drops like this, I increase the amounts of each automatic deposit. It is tough to predict where it will bottom out but I see it as American business on sale. I guess you could call this a veiled...
by make_a_better_world
Fri Aug 25, 2017 6:28 pm
Forum: Investing - Theory, News & General
Topic: Buying commercial real estate as investment
Replies: 7
Views: 1446

Re: Buying commercial real estate as investment

I have not seen a lot of support for it on this board, but I personally invest in commercial real estate and it has been rewarding. In fact, commercial real estate is my ultimate retirement plan- to accumulate a number of properties that generate rent indefinitely that goes up as inflation does. It ...
by make_a_better_world
Wed Aug 23, 2017 6:30 pm
Forum: Investing - Theory, News & General
Topic: Account balances over $250,000
Replies: 11
Views: 3309

Re: Account balances over $250,000

I am not 100% sure what you are asking. Does this help at all: https://personal.vanguard.com/pdf/s317.pdf Thank you this link was very helpful. As some have said the FDIC does not insure stocks/funds; it is the SIPC and the limit is 500k not 250k. But this does not really change the spirit of my qu...
by make_a_better_world
Wed Aug 23, 2017 4:21 pm
Forum: Investing - Theory, News & General
Topic: Account balances over $250,000
Replies: 11
Views: 3309

Account balances over $250,000

I am curious what the investors here do when accounts exceed the FDIC insurance limits by large amounts. I have done some research, and the standard deposit insurance coverage limit is $250,000 per depositor, per FDIC-insured bank, per ownership category. In my situation, it primarily applies to a t...
by make_a_better_world
Sat Dec 31, 2016 1:38 pm
Forum: Personal Investments
Topic: What to do with a Solo 401k after employees are hired?
Replies: 6
Views: 1634

Re: What to do with a Solo 401k after employees are hired?

Quentin,

That cost is much less than I expected for a plan that is actually a hybrid plan. Thank you again for the information and Happy New Year.
by make_a_better_world
Wed Dec 28, 2016 10:05 pm
Forum: Personal Investments
Topic: What to do with a Solo 401k after employees are hired?
Replies: 6
Views: 1634

Re: What to do with a Solo 401k after employees are hired?

Thank you for the information, Spirit Rider and QuentinCrisp. Very informative posts! Spirit Rider, you were right that we did not receive all the plan information, and have now requested it. We have decided not to rush something at the 11th hour this year and will explore the options for next year....
by make_a_better_world
Tue Dec 27, 2016 9:43 pm
Forum: Personal Investments
Topic: Asset Allocation Advice for 23Yr old? Roth IRA
Replies: 13
Views: 1336

Re: Asset Allocation Advice for 23Yr old? Roth IRA

Many might disagree with me, but you are so young and interest rates are so low that I would go 100% stocks and forgo the bonds for now. The Vanguard funds you listed are primarily admiral shares, which require a 10k investment so I do not think you will qualify for those. You should be able to go i...
by make_a_better_world
Tue Dec 27, 2016 9:10 pm
Forum: Personal Investments
Topic: What to do with a Solo 401k after employees are hired?
Replies: 6
Views: 1634

What to do with a Solo 401k after employees are hired?

Dear Bogleheads, need some advice: My sister is 100% owner of "Company 1" (S-Corp) and she is the sole employee. I helped her set up a solo 401k at Vanguard and she has put 50k (2014) and 53k (2015) in that account. She has not made a 2016 contribution yet. Company 1 owns 100% of another business Co...
by make_a_better_world
Thu Mar 06, 2014 3:51 pm
Forum: Personal Finance (Not Investing)
Topic: Need help buying health insurance
Replies: 30
Views: 2319

Re: Need help buying health insurance

As I understand the law, as of January 1, 2014 insurers are not allowed to consider health status or ask about preexisting conditions on applications for new health insurance. Premiums charged on new policies can not be based on prior health status. Period. The recent exceptions and extensions that...
by make_a_better_world
Wed Mar 05, 2014 9:57 pm
Forum: Personal Finance (Not Investing)
Topic: Need help buying health insurance
Replies: 30
Views: 2319

Re: Need help buying health insurance

I am a physician and even I have trouble understanding these things sometimes. This is a very primitive explanation, but essentially the law has changed so that insurance companies cannot use pre-existing conditions anymore. Insurance will also now be sold through exchanges, where insurance companie...
by make_a_better_world
Wed May 15, 2013 9:19 pm
Forum: Investing - Theory, News & General
Topic: THANKS, BOGLEHEADS, FROM JACK BOGLE
Replies: 39
Views: 6840

Re: THANKS, BOGLEHEADS, FROM JACK BOGLE

Dear Mr. Bogle, I am a young physician just getting my career started. A year ago I could not have defined what is a mutual fund. Financial advisers (and insurance salesman) have approached me unsolicited on almost a monthly basis at work in person and through the university email. They take us to d...
by make_a_better_world
Tue May 07, 2013 3:12 pm
Forum: Personal Investments
Topic: 4% rule and dying broke
Replies: 62
Views: 7273

Re: 4% rule and dying broke

If you can give us the year of your death, I think we can make a much better calculation for you. Are you planning to live until your 60? 70? 85?
by make_a_better_world
Sat Apr 20, 2013 9:22 pm
Forum: Personal Finance (Not Investing)
Topic: harvard med school vs. penn med+full tuition scholarship
Replies: 115
Views: 20954

Re: harvard med school vs. penn med+full tuition scholarship

Cardiologist here (just finishing my fellowship in June). When you apply for residency your Step scores and clinical evals matter the most, and everyone takes the same exam. If you do great, you can absolutely get into a program like Harvard or Hopkins or UCSF for residency where you will be paid in...