Search found 43 matches

by justglassin
Wed Sep 09, 2020 5:01 pm
Forum: Investing - Theory, News & General
Topic: Buying covid hit stocks
Replies: 30
Views: 1757

Re: Buying covid hit stocks

Something like an S&P500 or Total Market, ex-Tech/Comms Services, if it existed, might be the most Bogleheaded way to go about this. But I think it's crazy to write off AAPL, MSFT, AMZN, & GOOG.
by justglassin
Wed Sep 02, 2020 9:31 pm
Forum: Personal Investments
Topic: Poor performing portfolio
Replies: 67
Views: 6374

Re: Poor performing portfolio

Was just looking at my taxable account and noticed that my Year To Date gains are currently just $100. LOL! I kid you not. This is on a close to half million dollar position. Clearly I am doing something terribly wrong. Positions : VOO (S&P 500) - 14.14% VFWAX (Total International) - 23.31% VBILX (...
by justglassin
Wed Sep 02, 2020 9:22 pm
Forum: Personal Consumer Issues
Topic: Where to buy disinfectant wipes?
Replies: 33
Views: 1958

Re: Where to buy disinfectant wipes?

Walmart.com shows Clorox Disinfecting Wipes are available for purchase and in stock for 'in-store purchase only' where I live. You would probably be better off getting (or making your own) disinfecting spray and using disposable/paper towels. If COVID-19 is the concern, it might be worthy of consid...
by justglassin
Thu Aug 06, 2020 8:19 pm
Forum: Personal Investments
Topic: Moving "Safety Net" from Betterment to VG?
Replies: 1
Views: 216

Moving "Safety Net" from Betterment to VG?

I've held my "safety net" of roughly 6 months living expenses in Betterment for the past five years. It's a relatively low-cost aggregation of various indexes of stocks and bonds (Vanguard, iShares, etc). Returns have been ok -- it's 40% stocks, 60% bonds -- and it weathered the covid plunge just fi...
by justglassin
Tue Aug 04, 2020 8:45 pm
Forum: Personal Investments
Topic: Roth TSP + Traditional TSP
Replies: 8
Views: 545

Re: Roth TSP + Traditional TSP

How much do you have in tax-deferred (TSP traditional and tIRA) and how much in Roth (again, including IRAs)? And current tax bracket? Possibility of retiring early? Roth IRA is @115k; TSP is @ 560k; nothing in trad IRAs. Current tax bracket is 32%. I'd love to retire early and get the heck out of ...
by justglassin
Tue Aug 04, 2020 8:37 pm
Forum: Personal Investments
Topic: Roth TSP + Traditional TSP
Replies: 8
Views: 545

Re: Roth TSP + Traditional TSP

Are you maxing out your TSP and IRA (and funding a 529 for your children's education, if appropriate)? If not, then the traditional TSP is probably better; as a GS-15, your marginal tax rate is likely to be higher now than in retirement, even with your FERS pension. This is even more the case if yo...
by justglassin
Tue Aug 04, 2020 8:13 pm
Forum: Personal Investments
Topic: Roth TSP + Traditional TSP
Replies: 8
Views: 545

Roth TSP + Traditional TSP

Anyone have experience with changing their TSP contributions from 100% Traditional to a mix of Trad and Roth? Was thinking of contributing 5% to Trad for the match and then direct the rest towards Roth. Pros, cons?

Age 42, GS15, possibly a lifer...not an investing savant.

Thanks!
by justglassin
Fri Jul 31, 2020 10:42 am
Forum: Personal Investments
Topic: >2055 TSP Lifecycle + 10% in G fund
Replies: 13
Views: 696

Re: >2055 TSP Lifecycle + 10% in G fund

Unless of course you don’t believe in holding corporate debt. It seems like a weird thing to hold a superstition about, but okay. Nonetheless, the F fund is the only bond fund in the TSP so .... It’s not a superstition. It’s the belief that you should take your risk in equities and stick to governm...
by justglassin
Fri Jul 31, 2020 10:23 am
Forum: Personal Investments
Topic: >2055 TSP Lifecycle + 10% in G fund
Replies: 13
Views: 696

Re: >2055 TSP Lifecycle + 10% in G fund

The thing about the L funds is that they jump from being aggressive to being extremely conservative. The 2055 fund has a combined 1% in the F and G funds. The 2050 fund has over 18% in those funds combined, and the 2045 has over 23% in the F and G. I noticed the same thing regarding the overly cons...
by justglassin
Fri Jul 31, 2020 9:11 am
Forum: Personal Investments
Topic: >2055 TSP Lifecycle + 10% in G fund
Replies: 13
Views: 696

>2055 TSP Lifecycle + 10% in G fund

Thoughts on holding one of the new TSP Lifecycle funds (which have almost no G or F fund, ~1%) and then some percentage of the account in G fund? I don't believe there is any benefit in being in F funds given where interest rates are now -- not that there is much return in G, but it's as risk free a...
by justglassin
Tue Jul 28, 2020 9:06 pm
Forum: Personal Consumer Issues
Topic: Older Women Lifting Weights
Replies: 159
Views: 16813

Re: Older Women Lifting Weights

Not a female (M, 42), but I've lifted most of my life since high school and intensified it in my mid thirties with a goal of hitting some personal records on my 40th birthday, overhead pressing 205, squatting 405, dead-lifting 515 and benching 335 in under ten minutes. I don't maintain those levels ...
by justglassin
Wed Jul 15, 2020 11:04 pm
Forum: Personal Finance (Not Investing)
Topic: Anybody watch new joe Rogan episode with Peter Schiff?
Replies: 51
Views: 6657

Re: Anybody watch new joe Rogan episode with Peter Schiff?

Got through about an hour of it. Longtime Rogan listener and this was one of the more painful episodes I can remember. Essentially a rehash of his (Schiff's) one-string guitar harping on and on about debt and inflation and how if he were president he'd had let everything collapse, how taxation is th...
by justglassin
Fri Jun 05, 2020 6:58 pm
Forum: Personal Investments
Topic: TSP Investor: Timed the drop - getting back to normal AA
Replies: 9
Views: 720

TSP Investor: Timed the drop - getting back to normal AA

On 26 Feb I moved my TSP AA from 80/20 (Stocks/G-fund) to 20% stocks, 80% G fund, missing much of the worst of the downturn. I also set my bi-weekly contributions to a 100% equity contribution of C, S and I @ 60% C, 15% S, and 25% I funds when I made this move. Around early April, I moved 20% back i...
by justglassin
Tue Apr 28, 2020 12:12 am
Forum: Personal Consumer Issues
Topic: Unable to Order Work Out Equipment
Replies: 45
Views: 3541

Re: Unable to Order Work Out Equipment

Consider making some heavy training tools/implements, such as heavy "medicine balls." I made one a few years ago and it's been a great addition to some of my conditioning workouts (for cleans, over the shoulder runs, bear-hug walks, burpees with a clean and press...get creative). Pick out a bag of s...
by justglassin
Wed Apr 15, 2020 9:00 am
Forum: Investing - Theory, News & General
Topic: Life Strategy VS Target Date funds
Replies: 12
Views: 1374

Re: Life Strategy VS Target Date funds

Are either acceptable in a taxable account? Does one have a more tax-efficient approach?
by justglassin
Wed Apr 01, 2020 1:59 pm
Forum: Investing - Theory, News & General
Topic: Why does anyone invest in international funds?
Replies: 306
Views: 18598

Re: Why does anyone invest in international funds?

I just don't like the idea of having one retirement account entirely invested in a single, ex-US fund simply to plug some gaps in my other plan (emerging markets) and ease of re-balancing. Would it not make more sense to hold a two or three-fund within each account, recognizing that at this time th...
by justglassin
Wed Apr 01, 2020 12:47 pm
Forum: Investing - Theory, News & General
Topic: Why does anyone invest in international funds?
Replies: 306
Views: 18598

Re: Why does anyone invest in international funds?

Now my TSP has seen great gains, whereas my Roth has barely moved in 6 years despite consistent contributions and that one year of out-performance in international in 2017. In hindsight I would have just set my Roth on the most aggressive 3-fund (2-fund, actually) I could there and accept that I wo...
by justglassin
Wed Apr 01, 2020 11:23 am
Forum: Investing - Theory, News & General
Topic: Why does anyone invest in international funds?
Replies: 306
Views: 18598

Re: Why does anyone invest in international funds?

I always read these threads and still come down on the global market-weight side of the equation. However, if I could go back and change one thing it would have been to have NEVER put all my Roth into VTIAX while leaving my TSP in C, S, and G funds to achieve a balanced allocation across my total po...
by justglassin
Tue Mar 17, 2020 5:38 am
Forum: Personal Investments
Topic: The Black Swan is Here
Replies: 164
Views: 19492

Re: The Black Swan is Here

What annoys me about this swan is I felt like I could see it coming from a good distance away. Staying the course really led me strait into an iceberg. My defense strategy is that I still have the benefit of time. 'Staying the course' = 'Ignore developments'. A rational person changes his mind when...
by justglassin
Sat Mar 14, 2020 8:13 am
Forum: Investing - Theory, News & General
Topic: International is in meltdown
Replies: 308
Views: 22644

Re: International is in meltdown

VXUS (Vanguard Total International ETF - corresponds to MUTF: VTIAX) is almost down a staggering -12% today, that puts International down 35% from the peak in Jan 2018 :shock: I know the predictions were for International to outperform US in this decade but the drawdowns have been so deep I don't k...
by justglassin
Mon Sep 30, 2019 3:50 pm
Forum: Personal Investments
Topic: TSP: Moving out of G Fund to F?
Replies: 49
Views: 3797

Re: TSP: Moving out of G Fund to F?

Age: 41, single, no kids To me, the most perplexing part of this situation is that I can't figure out why a 41-year old person with no dependents has 20% of their retirement portfolio parked in cash to begin with. Valid observation. I was trying to roll my own "three fund" between my ROTH and TSP, ...
by justglassin
Mon Sep 30, 2019 1:39 pm
Forum: Personal Investments
Topic: TSP: Moving out of G Fund to F?
Replies: 49
Views: 3797

Re: TSP: Moving out of G Fund to F?

Age: 41, single, no kids To me, the most perplexing part of this situation is that I can't figure out why a 41-year old person with no dependents has 20% of their retirement portfolio parked in cash to begin with. Valid observation. I was trying to roll my own "three fund" between my ROTH and TSP, ...
by justglassin
Sun Sep 29, 2019 9:29 am
Forum: Personal Finance (Not Investing)
Topic: Buying Stock/MFs as gift for niece
Replies: 5
Views: 306

Buying Stock/MFs as gift for niece

If I wanted to start investing/saving for my niece (she's 2) in lieu of or as a supplement to other kinds of gifts (toys, etc.), is there a simple, tax-efficient way to do so? Is there some kind of separate account that could be transferred to her later on, say when she's 18, starts working, or grad...
by justglassin
Sun Sep 29, 2019 8:43 am
Forum: Personal Investments
Topic: TSP: Moving out of G Fund to F?
Replies: 49
Views: 3797

Re: TSP: Moving out of G Fund to F?

Thanks, all. Quick and to the point. I'll give it some thought.
by justglassin
Sun Sep 29, 2019 8:19 am
Forum: Personal Investments
Topic: TSP: Moving out of G Fund to F?
Replies: 49
Views: 3797

TSP: Moving out of G Fund to F?

Background: I keep 20% of my retirement investments (between ROTH IRA and traditional TSP) in G fund; the rest is modeled on a three fund-ish portfolio approach - blend of C,G,S,I in TSP and VTIAX in ROTH (which I regret, wish I'd just done a target date in the ROTH as it really lags the TSP). Was w...
by justglassin
Thu Jun 20, 2019 2:47 pm
Forum: Personal Consumer Issues
Topic: 2017 Ridgeline RTL-E back to 2015 Golf TDI SEL
Replies: 6
Views: 627

Re: 2017 Ridgeline RTL-E back to 2015 Golf TDI SEL

Thanks, all. Some good perspective and I wasn't aware the new TSIs were getting such great fuel economy.
by justglassin
Thu Jun 20, 2019 12:26 pm
Forum: Personal Consumer Issues
Topic: 2017 Ridgeline RTL-E back to 2015 Golf TDI SEL
Replies: 6
Views: 627

2017 Ridgeline RTL-E back to 2015 Golf TDI SEL

I was one of the fortunate (or unfortunate) owners of a TDI VW during the "dieselgate" scandal. Loved my old TDI VW Golf, but VW gave me an offer I couldn't refuse, paying me nearly what I paid for my car after 5 years and 70k miles (orig, purhase price was 25k; they bought it back at 21.5k). I then...
by justglassin
Thu Mar 14, 2019 1:09 am
Forum: Personal Consumer Issues
Topic: Army Reserves at 41 as an MI Captain
Replies: 7
Views: 1799

Re: Army Reserves at 41 as an MI Captain

Big thanks to everyone who has chimed in. Your views and comments on the pros and cons, and especially the unstated realities such as extra effort beyond the as-advertised one weekend/two weeks in TPU, are truly helpful. All the best!
by justglassin
Wed Mar 13, 2019 6:23 am
Forum: Personal Consumer Issues
Topic: Army Reserves at 41 as an MI Captain
Replies: 7
Views: 1799

Army Reserves at 41 as an MI Captain

Apologies for the long post. I'm seeking some advice or insights from others who have served or are still serving in the reserves as I consider returning to the Army as a reserve intel officer. I served 5 years as an infantry officer post 9/11 and left after my initial commitment to pursue some acad...
by justglassin
Wed Jan 02, 2019 3:43 pm
Forum: Personal Investments
Topic: Proxy For TSP “I” Fund please
Replies: 8
Views: 902

Re: Proxy For TSP “I” Fund please

I look forward to this update to the I fund. Question for the thread: If my ROTH is currently 100% VTIAX (to capture some EM exposure, but that will soon be represented in the I fund), how would anyone recommend 'unwinding' this holding in the ROTH? I never liked having my ROTH as 100% VTIAX anyway,...
by justglassin
Wed May 02, 2018 2:43 pm
Forum: Personal Investments
Topic: EMs in TSP's I fund: New AA for TSP and Roth IRA?
Replies: 9
Views: 963

Re: EMs in TSP's I fund: New AA for TSP and Roth IRA?

I understand that VTIAX is a very diverse fund, but with EM coming to TSP I Fund, holding so much VTIAX (100% of my Roth, actually) as a simple way to get DM and EM into my portfolio no longer makes sense to me.
by justglassin
Wed May 02, 2018 2:18 pm
Forum: Personal Investments
Topic: EMs in TSP's I fund: New AA for TSP and Roth IRA?
Replies: 9
Views: 963

Re: EMs in TSP's I fund: New AA for TSP and Roth IRA?

Thanks, all. I'm still a ways from implementing this and plan on waiting until I see something official from TSP, but your comments give me confidence with whichever approach I take.
by justglassin
Tue May 01, 2018 4:00 pm
Forum: Personal Investments
Topic: EMs in TSP's I fund: New AA for TSP and Roth IRA?
Replies: 9
Views: 963

Re: EMs in TSP's I fund: New AA for TSP and Roth IRA?

I don't like being 100% in VTIAX (Total International) when EM will soon be available in TSP's I fund. I'd like my Roth to be more diversified.
by justglassin
Tue May 01, 2018 3:47 pm
Forum: Personal Investments
Topic: EMs in TSP's I fund: New AA for TSP and Roth IRA?
Replies: 9
Views: 963

EMs in TSP's I fund: New AA for TSP and Roth IRA?

Greetings Bogleheads, I'm hoping to get some advice on diversifying my Roth IRA in light of the recently announced changes to the TSP's International Fund ("I"-Fund). https://www.bogleheads.org/forum/viewtopic.php?t=233534 I am 100% VTIAX in my Roth IRA. I arrived at this allocation at the advice se...
by justglassin
Wed Mar 15, 2017 9:59 am
Forum: Personal Investments
Topic: Backdoor Roth: Those few cents that accumulate in your MM settlement funds
Replies: 9
Views: 1734

Backdoor Roth: Those few cents that accumulate in your MM settlement funds

I've noticed that over time a few cents accumulate in my moneymarket settlement account. I only ever convert to my ROTH the original amount that I contributed to my tIRA, i.e., I leave these few cents sitting there. But what am I supposed to be doing with these cents that are accumulating within the...
by justglassin
Wed Mar 08, 2017 11:47 pm
Forum: Personal Investments
Topic: Backdoor Roth conversion form 8606
Replies: 13
Views: 2328

Re: Backdoor Roth conversion form 8606

Thanks! I'm wrapping up now with TT and checked back on my 2015 to see if it included this information. Should I be looking for some 8606 form to have been generated and attached to my 1040? Or does the 1040 generated by TT just include this info in some format that the IRS finds acceptable (includi...
by justglassin
Wed Mar 08, 2017 7:19 am
Forum: Personal Investments
Topic: Backdoor Roth conversion form 8606
Replies: 13
Views: 2328

Re: Backdoor Roth conversion form 8606

Looks like I'm late to this procedure and have never, to my knowledge, used form 8606 to report my conversions from tIRA to ROTH (unless it was so slickly woven into TurboTax's workflow that I didn't notice). I've executed a Backdoor ROTH for the past three years -- '14, '15 and '16. Question: I pla...
by justglassin
Sat Nov 23, 2013 9:15 am
Forum: Personal Investments
Topic: Roth Transfer to VG and New Portfolio Allocation?
Replies: 2
Views: 525

Re: Roth Transfer to VG and New Portfolio Allocation?

Many thanks, Duckie! Makes sense to me. I wasn't aware of TSP's gap in international emerging markets -- good to know. I didn't list an AA because I don't really have one...yet :) If anything yet, based on the below I might push for a slightly more aggressive mix of stocks vs bonds and go 80/20, but...
by justglassin
Fri Nov 22, 2013 5:08 pm
Forum: Personal Investments
Topic: Roth Transfer to VG and New Portfolio Allocation?
Replies: 2
Views: 525

Roth Transfer to VG and New Portfolio Allocation?

Hello everyone - Today I took the first major step towards bogle-izing my personal investment arrangements when I liquidated my Roth IRA holdings at Stifel-Nicolas (one of those 1% "advisory" accounts) so they can be pulled into Vanguard. While a lazy-portfolio/three-ETF approach is appealing and ma...
by justglassin
Mon Nov 11, 2013 10:03 pm
Forum: Personal Investments
Topic: FEE advice - 1% Mgmt Fee @ Stifel vs DIY @ VG
Replies: 5
Views: 3319

Re: FEE advice - 1% Mgmt Fee @ Stifel vs DIY @ VG

Thanks, CABob. I'll give the three-fund allocation some serious thought; simplicity is quite appealing given my (admittedly low) appetite for any kind of intense monitoring of investments.

It certainly looks like a well-tested and safe way to set things up initially.

Best regards.
by justglassin
Mon Nov 11, 2013 8:06 pm
Forum: Personal Investments
Topic: FEE advice - 1% Mgmt Fee @ Stifel vs DIY @ VG
Replies: 5
Views: 3319

Re: FEE advice - 1% Mgmt Fee @ Stifel vs DIY @ VG

Thanks, Steve, for being so concise! Being new to the Boglehead community, I am going to search the forum archives and Wiki for different schools of thought on the right asset allocation for me. If you or anyone else reading this are aware of useful tools/calculators that have helped them into this ...
by justglassin
Mon Nov 11, 2013 4:12 pm
Forum: Personal Investments
Topic: FEE advice - 1% Mgmt Fee @ Stifel vs DIY @ VG
Replies: 5
Views: 3319

FEE advice - 1% Mgmt Fee @ Stifel vs DIY @ VG

Hello everyone, Brand new visitor to this site and I'm hoping the community can give me their opinions/advice on my situation. I'm a Federal Employee and therefore have access to the Thrift Savings Plan. I hear it's a great plan to be in. So far I'm pleased and don't mind not having an "advisor" thr...