Search found 363 matches

by b42
Sat Jun 27, 2020 8:20 am
Forum: Personal Investments
Topic: Market volatility - ok to simplify portfolio for parent
Replies: 14
Views: 693

Re: Market volatility - ok to simplify portfolio for parent

Welcome to the forums! It's likely best to start simplifying in steps. What I would do first is create a small spreadsheet that lists each account (Roth IRA, Trad IRA, etc.), then list each fund name, ticker symbol, expense ratio, type of fund (US stock, US bonds, etc.) and amount held. Then you can...
by b42
Sat Jun 06, 2020 8:05 pm
Forum: Personal Investments
Topic: Employer 401k with American Funds(Bogleheads style)
Replies: 10
Views: 574

Re: Employer 401k with American Funds(Bogleheads style)

Do you have a listing the funds offered in all available retirement accounts? You may have to split your investments across all of the accounts to get the optimal fund setup and hit your asset allocation goal. For example, my 401k has a Total Bond Fund and Total US Stock Fund, my Roth IRA has a Tota...
by b42
Wed Jun 03, 2020 6:37 am
Forum: Personal Investments
Topic: Bear shares - poor investment choice. Suggestions on how to exit
Replies: 4
Views: 452

Re: Bear shares - poor investment choice. Suggestions on how to exit

I would sell and move on. Consider it your tuition for financial education :D
by b42
Fri May 29, 2020 1:45 pm
Forum: Personal Investments
Topic: HSA investment questions
Replies: 6
Views: 436

Re: HSA investment questions

1. I consider my HSA part of my overall portfolio since I do not plan to spend the funds on medical expenses (at least for the time being). 2. I'd fund the HSA first 3. I budget my full deductible ($2k) outside of the HSA and just use the saved funds. I basically pretend the HSA doesn't exist for me...
by b42
Thu May 28, 2020 1:16 pm
Forum: Personal Investments
Topic: Have you been following your IPS?
Replies: 42
Views: 2040

Re: Have you been following your IPS?

I've stuck to my IPS so far. My stock/bond ratio got close to the 5% rebalancing threshold, but I decided to wait it out and rebalance with new contributions over time. Since it was only a few thousand to rebalance in either direction, I decided it wasn't worth it. I do have language in my IPS that ...
by b42
Tue May 19, 2020 10:06 am
Forum: Personal Investments
Topic: Total world vs total us + international
Replies: 23
Views: 1370

Re: Total world vs total us + international

I hold the two funds separately because I have to balance across my 401k, Roth IRA, and HSA. So even though my individual accounts look weird (like my 401k being more than 60% bonds), in the aggregate I'm hitting my asset allocation target. But if you have only one account and want 60/40, it definit...
by b42
Tue May 19, 2020 10:04 am
Forum: Investing - Theory, News & General
Topic: 2020 Hedge Fund contest
Replies: 237
Views: 17413

Re: 2020 Hedge Fund contest

I want to close my JCP position at the close today. It looks like JCP was delisted so it's breaking the spreadsheet. I'm not sure how you get the final price, or is it whatever it was when the stock was delisted?
by b42
Thu Apr 23, 2020 2:17 pm
Forum: Personal Investments
Topic: All the upside of the S&P with 10% downside protection "Free"?
Replies: 116
Views: 8093

Re: All the upside of the S&P with 10% downside protection "Free"?

Everything that's important has already been said, so I'll just add: This seems like an awfully complicated product just to get "downside protection". Remember these products are sold, not bought. Why not just buy back into the market with a large percentage in bonds or TIPS (Treasury Inflation-Prot...
by b42
Tue Mar 17, 2020 7:46 pm
Forum: Personal Investments
Topic: Only two bond choices in 401K
Replies: 12
Views: 607

Re: Only two bond choices in 401K

What funds does your wife's 401k plan offer? Do you have any other accounts with access to Vanguard's funds, especially tax-advantaged accounts? An option would be to put your wife's funds in a low cost index fund, and then balance out the portfolio with a Total US Bond fund in another account (like...
by b42
Tue Mar 17, 2020 7:40 pm
Forum: Personal Investments
Topic: Feedback on my portfolio diversity please
Replies: 3
Views: 120

Re: Feedback on my portfolio diversity please

I would simplify your portfolio and pick one fund for each sector. Others can correct me, but I believe that the potential tracking error is small enough that it isn't worth the extra complexity to manage 2+ overlapping funds. You have some overlap between the Total Market Index and S&P 500 Index. Y...
by b42
Fri Mar 06, 2020 1:30 pm
Forum: Personal Investments
Topic: 83yr old woman. Reallocate during coronavirus stock mkt reactions?
Replies: 5
Views: 848

Re: 83yr old woman. Reallocate during coronavirus stock mkt reactions?

I checked the current Wellesley fund asset allocation (as of 1/31/2020): 38.71% Stocks 59.37% Bonds 1.92% Short-term Reserves Add in your short term bond index and your prime money market funds, it appears that you have roughly $39,272 in stocks, which is roughly 30.01% of your portfolio of $130,660...
by b42
Fri Mar 06, 2020 10:55 am
Forum: Personal Investments
Topic: Max 401k contribution per check?
Replies: 11
Views: 800

Re: Max 401k contribution per check?

^^

Check with the plan administrator and look at the plan documents if available. My employer's 401k allows employees to contribute up to a maximum of 50% of their pay.
by b42
Fri Feb 28, 2020 1:35 pm
Forum: Personal Investments
Topic: Should I refinance? Help!
Replies: 4
Views: 252

Re: Should I refinance? Help!

If I use an online amortization calculator: Original Loan Amount: $627,182 (A guess, I backed into this number to match your payment) Time: 15 Years Interest: 3.875% Payment: $4,600 Assuming the loan was taken out in February 2019, you paid $23,757 in interest, and $31,452 in principal over the firs...
by b42
Fri Feb 28, 2020 1:22 pm
Forum: Personal Investments
Topic: 36 and no 401K
Replies: 7
Views: 729

Re: 36 and no 401K

Welcome to the forums! You will get more answers if you can reformat your original post using the following template: https://www.bogleheads.org/forum/viewtopic.php?f=1&t=6212 VHCOL is Very High Cost of Living. Are you able to list out your student loans and the interest rates? Depending on the inte...
by b42
Thu Feb 27, 2020 3:32 pm
Forum: Personal Investments
Topic: Thinking about (temporarily) moving all *retirement* stock to bonds - please help
Replies: 292
Views: 25237

Re: Thinking about (temporarily) moving all *retirement* stock to bonds - please help

Again, I think the biggest question I still have has to do with the nature of stocks vs bonds. Can you (or anyone) provide me with a link where I can better educate myself on bonds? In particular, it seems like a lot of people believe that you hold bonds as a hedge against the stock market falling,...
by b42
Wed Feb 26, 2020 9:54 am
Forum: Personal Investments
Topic: What did you learn from the 2/24 sell off?
Replies: 327
Views: 22330

Re: What did you learn from the 2/24 sell off?

I learned that my 70/30 asset allocation is a good fit for me for market turbulence. Knowing that I have a relatively large amount of my portfolio in bonds makes it much easier to ride through the downswings (and not tinker with things).
by b42
Wed Feb 19, 2020 3:28 pm
Forum: Personal Finance (Not Investing)
Topic: HS/College income - optimizing taxes
Replies: 5
Views: 369

Re: HS/College income - optimizing taxes

When I was 19 I opened a Roth IRA and most of my summer work earnings went into it, about $3k a year. I got most of my federal taxes back, plus I get tax-free growth in the future. Another idea, do your kids have any appreciated stock or mutual funds? If they have capital gains they could sell them ...
by b42
Tue Feb 18, 2020 3:34 pm
Forum: Personal Consumer Issues
Topic: Can we trust wirecutter reviews?
Replies: 41
Views: 5032

Re: Can we trust wirecutter reviews?

I've used Wirecutter reviews since before NYT acquired them. They are also really good at tracking deals for their recommended products.
by b42
Mon Feb 17, 2020 1:54 pm
Forum: Personal Investments
Topic: How Should I Think About Fees and Company Additions to This Investment?
Replies: 16
Views: 630

Re: How Should I Think About Fees and Company Additions to This Investment?

Are you able to list the funds offered by both the 401k and the annuity? Otherwise it's harder to determine which is the best option. That being said it is likely better for your wife to stop contributing to the annuity and switch to the 401k plan.
by b42
Mon Feb 17, 2020 1:49 pm
Forum: Personal Consumer Issues
Topic: Do you think I should get a dedicated Chromebook for my financial accounts?
Replies: 60
Views: 4841

Re: Do you think I should get a dedicated Chromebook for my financial accounts?

It's not a bad idea to pick up a relatively inexpensive Chromebook to do all your financially sensitive work. What would help immediately is turning on two-factor authentication if you already haven't for any site that allows it.
by b42
Mon Feb 03, 2020 3:26 pm
Forum: Personal Investments
Topic: starting 3-Fund at 58 (edited 2/5/20)
Replies: 10
Views: 1721

Re: starting 3-Fund at 58

Welcome to the forums! I would open up a Roth IRA. Since you are over 50, you can contribute an extra $1,000 on top of the normal $6,000 per year. You can make a 2019 contribution up until April 15, 2020, then make another contribution for 2020. So if you want you can get $14,000 into a Roth IRA rel...
by b42
Sun Feb 02, 2020 8:49 am
Forum: Personal Investments
Topic: Investment Allocation for 22 year old
Replies: 66
Views: 3489

Re: Investment Allocation for 22 year old

Welcome to the forums! If you are just starting out, Vanguard's Target Retirement Funds are a great place to start. The 2065 fund is currently composed of: US Stock Index - 54% Intl Stock Index - 36% US Bond Index - 7% Intl Bond Index - 3% I'd recommend starting out with this fund and saving as much...
by b42
Fri Jan 24, 2020 3:16 pm
Forum: Investing - Theory, News & General
Topic: Permanent Insurance vs Term + Systematic Investing
Replies: 9
Views: 577

Re: Permanent Insurance vs Term + Systematic Investing

If you search the forums for whole life topics, you'll quickly see that they are rarely recommended, and if they are it's for very specific situations. term4sale.com is a good starting point to see how much a term life policy would cost. No lapse guarantee riders usually have a cost, and I'd expect ...
by b42
Tue Jan 21, 2020 7:32 am
Forum: Personal Consumer Issues
Topic: Looking for a good duplex scanner
Replies: 22
Views: 1141

Re: Looking for a good duplex scanner

I bought a ScanSnap iX 500 in 2016 and I use it all the time to scan thousands of documents. Never had any issues.
by b42
Fri Jan 17, 2020 10:47 am
Forum: Personal Investments
Topic: HSA - Spend or Save?
Replies: 16
Views: 818

Re: HSA - Spend or Save?

I've had a Health Savings Account for a few years and I always max it out. Contributions are taken out of my paycheck automatically, so I pretend it's like another "tax" and the account doesn't exist. I invest all contributions over the $1k minimum balance limit. I do scan all of my medical receipts...
by b42
Fri Jan 10, 2020 9:24 am
Forum: Investing - Theory, News & General
Topic: 2020 Hedge Fund contest
Replies: 237
Views: 17413

Re: 2020 Hedge Fund contest

Penny Stock Year 3

Short
JCP
by b42
Mon Dec 02, 2019 12:37 pm
Forum: Personal Consumer Issues
Topic: Golf Clubs Question
Replies: 30
Views: 2157

Re: Golf Clubs Question

My dad was in a similar situation as you and got back into golf this past summer. We looked at some sets at Dicks and picked up a similar Top Flite set (I think they were $179.99). They have worked out well and he is still using the set, although he did buy a traditional 4 iron online (he says he hi...
by b42
Wed Nov 27, 2019 3:01 pm
Forum: Personal Finance (Not Investing)
Topic: Studying Abroad in Australia
Replies: 8
Views: 675

Re: Studying Abroad in Australia

I have a friend from college who met her husband (also studying abroad) in Australia, so you never know what may happen! Coming from the financial angle, I was planning on going to Australia to study abroad, but ended up picking Ireland instead because the round trip flight at the time was 25% of th...
by b42
Wed Nov 27, 2019 11:16 am
Forum: Personal Consumer Issues
Topic: Honda Lane keep assist
Replies: 94
Views: 6177

Re: Honda Lane keep assist

I have Honda Sensing in my 2017 Civic. I use Lane Keep Assist and Adaptive Cruise Control all the time on the highway. ACC allows me to sit in the right lane and keep a good amount of space behind the car in front of me where I don't have to constantly adjust my cruise control speed manually up and ...
by b42
Fri Nov 08, 2019 3:43 pm
Forum: Personal Investments
Topic: Asset Allocation for my 30 yr old daughter
Replies: 13
Views: 1050

Re: Asset Allocation for my 30 yr old daughter

You know your daughter best, does she have any interest in investing? If not, I'd recommend one of Vanguard's Target Retirement Date funds. It's slightly more expensive than breaking out the funds, but simple. My sister has no interest in investing, so I throw her Roth IRA contributions into a Targe...
by b42
Mon Nov 04, 2019 10:11 am
Forum: Personal Finance (Not Investing)
Topic: Does leasing make sense in this case?
Replies: 48
Views: 3283

Re: Does leasing make sense in this case?

The make and model of the car is a very important factor (I checked the posts and didn't see a mention of either). Depending on the manufacturer/model/trim, leasing may not be a good option. The website https://leasehackr.com/ does a great job breaking down how a lease is calculated and what to look...
by b42
Wed Oct 30, 2019 6:47 am
Forum: Personal Investments
Topic: Go all in w/ 403b or branch in it's after match?
Replies: 14
Views: 552

Re: Go all in w/ 403b or branch in it's after match?

You may want to edit your original post to include more information in this format: https://www.bogleheads.org/forum/viewtopic.php?f=1&t=6212 . You'll get more responses that way. You do have some good options in your 403b. Do you know if there are any additional management fees associated with your...
by b42
Thu Oct 24, 2019 7:41 am
Forum: Personal Investments
Topic: Benefits of Flagship Status at Vanguard?
Replies: 65
Views: 9226

Re: Benefits of Flagship Status at Vanguard?

I spoke with one of the Vanguard Flagship Status representatives last week at Vanguard during the Boglehead conference and asked them a question similar to yours. I agree that one of the benefits, the $0 commissions on most trades, is no longer as great of an offering considering the alternatives. M...
by b42
Tue Oct 22, 2019 3:03 pm
Forum: Personal Investments
Topic: Inherited American Funds
Replies: 8
Views: 886

Re: Inherited American Funds

I agree with snailderby, reformatting your original post will help with determining the best use of the inherited funds. You should also check out this wiki topic on managing a windfall: https://www.bogleheads.org/wiki/Managing_a_windfall What I'd stress most right now is take your time. There is no...
by b42
Fri Oct 11, 2019 6:04 am
Forum: Personal Consumer Issues
Topic: iPhone question - purchase
Replies: 13
Views: 1728

Re: iPhone question - purchase

^^ My mom bought and used an iPhone 8 Plus for about a year and a half, but ended up not liking the phone as much for two reasons. The first was the phone was a bit too big and heavy for her with the case. The second was she couldn't get Touch ID to work reliably (she cleans for a living and I think...
by b42
Fri Oct 04, 2019 2:41 pm
Forum: Personal Consumer Issues
Topic: How old is your cellphone?
Replies: 168
Views: 10780

Re: How old is your cellphone?

Currently using an iPhone X, bought on release date in 2017. Upgraded from an iPhone 5. I'll likely upgrade every 3-4 years from now on. The phones are expensive but I use it all the time and it's 100% worth the cost to me.
by b42
Wed Sep 18, 2019 10:13 am
Forum: Personal Consumer Issues
Topic: Blue Apron for a sick friend?
Replies: 41
Views: 2682

Re: Blue Apron for a sick friend?

I tried Blue Apron for a couple of months. The food was really good, but as others have said there's a lot of prep work involved.
by b42
Wed Aug 21, 2019 7:25 am
Forum: Personal Investments
Topic: Pension and Planning for retirement help
Replies: 9
Views: 1051

Re: Pension and Planning for retirement help

There is a good thread here on the three fund portfolio: https://www.bogleheads.org/forum/viewtopic.php?f=10&t=88005 You have some great Vanguard funds in the posted lineup: Vanguard Institutional Index (.04) Vanguard Total Bond Market Index (.05) Vanguard Total International Stock Index Fund (.11) ...
by b42
Tue Aug 20, 2019 5:42 am
Forum: Personal Investments
Topic: Pension and Planning for retirement help
Replies: 9
Views: 1051

Re: Pension and Planning for retirement help

Welcome to the forums! There is a way that you can still contribute to a Roth IRA even if you are over the income limit: https://www.bogleheads.org/wiki/Backdoor_Roth Do you have more information on your 457 plan, such as expenses (if any) for having such an account, and the funds that are offered?
by b42
Tue Aug 13, 2019 3:22 pm
Forum: Personal Investments
Topic: Laid off - 59yo - advice please
Replies: 44
Views: 7318

Re: Laid off - 59yo - advice please

Welcome to the forums. For your taxable holdings, do you know what the cost basis is and potential capital gains/losses you would incur if you sold? If you end up with a very low income for this year, it may make sense to sell these first (such as the individual stock holdings) up to the point where...
by b42
Tue Aug 13, 2019 11:53 am
Forum: Personal Investments
Topic: Is there a "good" bond fund in my 401(k)?
Replies: 8
Views: 677

Re: Is there a "good" bond fund in my 401(k)?

You mentioned that you are running out of room to convert to more bonds. Do you mean from your Traditional IRA, or your Traditional IRA, Roth IRA, and HSA? You could check the Roth IRA and HSA to see if there is a bond fund that would work.
by b42
Fri Aug 09, 2019 11:34 am
Forum: Personal Consumer Issues
Topic: Cloud Backup solutions for 2019?
Replies: 21
Views: 1381

Re: Cloud Backup solutions for 2019?

I started using Backblaze earlier this year for three separate devices (Windows Desktop and two Apple MacBook Pros). The backups total about 500GB. So far the service has worked well and I haven't had any issues.
by b42
Thu Aug 01, 2019 5:46 pm
Forum: Personal Finance (Not Investing)
Topic: Home Refinance help
Replies: 4
Views: 507

Re: Home Refinance help

One strategy is refinancing to a 30 year fixed mortgage to secure the lower payment, and then if the budget allows make payments as if it was a 15 year loan. You'll pay slightly more in interest that way, but it does give you flexibility in the future if you have a liquidity crisis (such as an accid...
by b42
Tue Jul 30, 2019 7:55 am
Forum: Personal Finance (Not Investing)
Topic: Help choose between High deductible HSA plan vs PPO -- 2nd child expected
Replies: 14
Views: 837

Re: Help choose between High deductible HSA plan vs PPO -- 2nd child expected

I read the original post wrong, I thought you listed monthly contributions, not semi-monthly. Assuming 24 semi-monthly payments, you immediately save $2,269 in premiums. The employer then gives you an additional $1,500 into your HSA that you wouldn't get with the PPO. This more than makes up for the...
by b42
Mon Jul 29, 2019 9:29 am
Forum: Personal Finance (Not Investing)
Topic: Help choose between High deductible HSA plan vs PPO -- 2nd child expected
Replies: 14
Views: 837

Re: Help choose between High deductible HSA plan vs PPO -- 2nd child expected

Does your employer make any contributions to your HSA? That can change the math. Are you hitting your deductible during the current plan year? How much have you spent on copays/prescriptions, etc. so far? Does your company have anything like a HCRA or FSA for the PPO plan? Do they fund any part of i...
by b42
Fri Jul 26, 2019 2:48 pm
Forum: Personal Investments
Topic: Need HSA investment advice
Replies: 9
Views: 705

Re: Need HSA investment advice

In my HSA I put all investment dollars in Vanguard's 500 Index since it's close enough to Vanguard's Total Stock Index. Since I consider it part of my overall portfolio I balance it out with bonds in my 401k. Makes it easy to manage.
by b42
Mon Jul 22, 2019 7:17 am
Forum: Personal Consumer Issues
Topic: Car Leasing Question
Replies: 22
Views: 1794

Re: Car Leasing Question

Another vote for leasehackr.com. Once you understand the math behind a lease, you can run the numbers to see if leasing a specific make/model makes sense. The usual rule of thumb is to get a lease with no money down that has a monthly payment of 1% of the MSRP or less.
by b42
Fri Jul 05, 2019 11:39 am
Forum: Personal Investments
Topic: Best way to plan for $620K long term capital gains?
Replies: 18
Views: 2790

Re: Best way to plan for $620K long term capital gains?

Do you tend to give a certain amount to charity every year? You could check to see if they would accept a gift of appreciated stock and you could keep the cash you normally donate, plus you get the tax benefit.