Search found 1107 matches

by deikel
Mon Sep 28, 2020 3:57 pm
Forum: Personal Investments
Topic: Is this a perfect time to pile into a 3% yield, net of fees, stable value fund?
Replies: 18
Views: 2757

Re: Is this a perfect time to pile into a 3% yield, net of fees, stable value fund?

Past performance is no prediction of future performance AND I dont really understand why people chase yield on the bond side of their portfolio ? The bond side is to provide security and available monet to tap into if the makret crashes and until it recovers, NOT to make long term money. Example: If...
by deikel
Mon Sep 28, 2020 3:40 pm
Forum: Personal Investments
Topic: AA Glide Paths in Distribution Years
Replies: 6
Views: 623

Re: AA Glide Paths in Distribution Years

I am assuming I will spend the RMDs (mostly on taxes and donations). Longevity runs in my family, so I'm projecting the numbers at least through my mid-90's. So, if this is true/ I understand it correctly, then this is all funny money and you don't need it to cover living expenses ? Which means you...
by deikel
Mon Sep 28, 2020 3:18 pm
Forum: Personal Investments
Topic: Portfolio Help: Struggling to Pick Emerging Markets and or International
Replies: 25
Views: 1614

Re: Portfolio Help: Struggling to Pick Emerging Markets and or International

As an US investor your 'home market' is the US which is the largest economy, so your diversification in international will probably have small impacts if any. For others investing and having a tendency to invest in their home market, an international investments makes a lot more sense and is a lot ...
by deikel
Mon Sep 28, 2020 3:05 pm
Forum: Personal Investments
Topic: New to Vanguard
Replies: 5
Views: 630

Re: New to Vanguard

regarding your comment of :special times in 2020. SInce you are currently only looking to transfer (!) your existing investments into a three fund portfolio, it does not really matter much what is going on in the world - you can execute sell/buy in one day - if you hit a crash day, it might make som...
by deikel
Wed Sep 23, 2020 3:55 pm
Forum: Personal Investments
Topic: Portfolio Help: Struggling to Pick Emerging Markets and or International
Replies: 25
Views: 1614

Re: Portfolio Help: Struggling to Pick Emerging Markets and or International

As an US investor your 'home market' is the US which is the largest economy, so your diversification in international will probably have small impacts if any. For others investing and having a tendency to invest in their home market, an international investments makes a lot more sense and is a lot m...
by deikel
Sat Sep 12, 2020 4:44 pm
Forum: Personal Investments
Topic: Guidelines for easy portfolios
Replies: 4
Views: 388

Re: Guidelines for easy portfolios

If you have the respective mutual fund in the account - why would you go ETF ? It is my understanding that ETFs came about as single sell products so that the underlying mutual fund of company A could also be sold at company B. So, a Vanguard ETF was created so that the ETF could be sold/traded on a...
by deikel
Sat Sep 12, 2020 4:29 pm
Forum: Investing - Theory, News & General
Topic: Jane Bryant Quinn, stock allocation before / after retirement
Replies: 40
Views: 6420

Re: Jane Bryant Quinn, stock allocation before / after retirement

Should be simple to run back testing on it - not sure if that was done before, and I get that past results don't predict future results, but at least that should tell us if the slightly more complicated change in asset allocation over time is or is not superior to specific fixed levels of asset all...
by deikel
Wed Sep 09, 2020 3:31 pm
Forum: Investing - Theory, News & General
Topic: Good to buy Senior Notes (Baby Bond) for attractive bond interest?
Replies: 2
Views: 373

Re: Good to buy Senior Notes (Baby Bond) for attractive bond interest?

How much more return over 3% is this baby bond thing ? What is the risk profile in a downturn compared to total bond market fund ? What equivalent asset allocation shift to stocks would this increase in return be ? Yes, those questions are loaded. 'Take the risk on the stock side of the portfolio, n...
by deikel
Wed Sep 09, 2020 2:56 pm
Forum: Personal Finance (Not Investing)
Topic: Estate planning
Replies: 10
Views: 1088

Re: Estate planning

Is your net worth actually worth setting up a trust ?

If your are not very wealthy, I would suggest to simply draw up a will and split it all by 12 - not sure what amount of money that is, but immediate cash might also be the preferred way for the recipients
by deikel
Wed Sep 09, 2020 2:13 pm
Forum: Investing - Theory, News & General
Topic: Jane Bryant Quinn, stock allocation before / after retirement
Replies: 40
Views: 6420

Re: Jane Bryant Quinn, stock allocation before / after retirement

I am not surprised that Jane will adopt and promote this model - if you read her book, she is very much into the bucket models and this is a nice adjustment to your initial retirement bucket being more conservative in order to cushion the risk for the first 5-10 years And it does make sense. The st...
by deikel
Wed Sep 09, 2020 2:03 pm
Forum: Investing - Theory, News & General
Topic: 401K tax savings in vs. tax cost out
Replies: 18
Views: 1546

Re: 401K tax savings in vs. tax cost out

You paid into the 401k at the top tax dollar (say 25% bracket) and 'saved' that amount of taxes when you paid it in. It then grew and multiplied in the account. Now you are taking it out, however when taking it out at least some of it is your deductable (0% tax bracket), That might apply to the fir...
by deikel
Wed Sep 09, 2020 1:36 pm
Forum: Investing - Theory, News & General
Topic: Jane Bryant Quinn, stock allocation before / after retirement
Replies: 40
Views: 6420

Re: Jane Bryant Quinn, stock allocation before / after retirement

I am not surprised that Jane will adopt and promote this model - if you read her book, she is very much into the bucket models and this is a nice adjustment to your initial retirement bucket being more conservative in order to cushion the risk for the first 5-10 years And it does make sense. The sta...
by deikel
Wed Sep 09, 2020 1:29 pm
Forum: Investing - Theory, News & General
Topic: Jane Bryant Quinn, stock allocation before / after retirement
Replies: 40
Views: 6420

Re: Jane Bryant Quinn, stock allocation before / after retirement

This does not sound like a good idea to me. Sure, you can pick times where it would work. But taking on more risk when you are living off your retirement account and decreasing the amount of fixed income that you can pull from in a down market just does not seem sensible to me. For example, you cou...
by deikel
Sun Sep 06, 2020 1:52 pm
Forum: Investing - Theory, News & General
Topic: 401K tax savings in vs. tax cost out
Replies: 18
Views: 1546

Re: 401K tax savings in vs. tax cost out

the savings will be even more then that. You paid into the 401k at the top tax dollar (say 25% bracket) and 'saved' that amount of taxes when you paid it in. It then grew and multiplied in the account. Now you are taking it out, however when taking it out at least some of it is your deductable (0% t...
by deikel
Sun Sep 06, 2020 1:39 pm
Forum: Investing - Theory, News & General
Topic: Leaving your job: quitting for good vs sabbatical leave
Replies: 46
Views: 3652

Re: Leaving your job: quitting for good vs sabbatical leave

Since you are effectively FIRE and have enough FU money....maybe you go back to work and only do what you deem important, valuable and 'good' ? You did not really list what you don't like about your job, but maybe you can just cut out all the crab you don't like, by simply refusing to do it ? I mean...
by deikel
Sun Sep 06, 2020 1:26 pm
Forum: Investing - Theory, News & General
Topic: Determining withdrawal rate in retirement
Replies: 6
Views: 734

Re: Determining withdrawal rate in retirement

couple of thoughts: - is does not seem to be terrible different then the variable withdrawal approach - at least not for the few data points I ran the system (starts with a 4.6% withdrawel for me, VWS starts with 4.7% - so seems similar or the same - the rational makes sense, you can simply latch on...
by deikel
Sun Aug 30, 2020 2:50 pm
Forum: Personal Investments
Topic: Starting to Invest in Your 50s
Replies: 15
Views: 1734

Re: Starting to Invest in Your 50s

I don't see what is so special or different for investing in your 50s, 40s or 30s ? You loose the advantage of time somewhat, but given that your retirement these days easily takes 30 years or so, it kind of becomes the same. Looking at the FIRE crowd is an odd choice since starting to invest in you...
by deikel
Sun Aug 30, 2020 2:06 pm
Forum: Personal Investments
Topic: Need help deciding whether to pay off mortgage
Replies: 23
Views: 2569

Re: Need help deciding whether to pay off mortgage

I think your reasoning is a bit off If you assume inflation to increase, then sure, a large mortgage is a nice inflation hedge over a long time....but yield of short term bonds will also increase, maybe not in lockstep, but certainly they will/have to (so do savings rates and CDs and MM With the sa...
by deikel
Sun Aug 30, 2020 1:52 pm
Forum: Personal Finance (Not Investing)
Topic: Who is qualified to analyze relative's financial situation?
Replies: 6
Views: 737

Re: Who is qualified to analyze relative's financial situation?

It sounds to me like a stop at social services would be a first start. With the current custody of four children at stake, I would think that any and all services directed at children should be tapped into pronto (housing assistance, medical coverage, food stamps ect) - what is available to the DR w...
by deikel
Thu Aug 27, 2020 5:31 pm
Forum: Personal Investments
Topic: Need help deciding whether to pay off mortgage
Replies: 23
Views: 2569

Re: Need help deciding whether to pay off mortgage

I think your reasoning is a bit off If you assume inflation to increase, then sure, a large mortgage is a nice inflation hedge over a long time....but yield of short term bonds will also increase, maybe not in lockstep, but certainly they will/have to (so do savings rates and CDs and MM With the sam...
by deikel
Wed Aug 26, 2020 12:25 pm
Forum: Personal Investments
Topic: Suggestions for 100x moonshots
Replies: 71
Views: 8848

Re: Suggestions for 100x moonshots

"1M annual household income."

for real ?

...I think you should play on single stocks...have fun :twisted:
by deikel
Wed Aug 26, 2020 12:24 pm
Forum: Personal Investments
Topic: Suggestions for 100x moonshots
Replies: 71
Views: 8848

Re: Suggestions for 100x moonshots

I have a very bogleheadian portfolio. Mostly VTSAX (or FSKAX) and recently venturing into the other 2 legs of the 3 fund portfolio. However, I do have a "play money" account which is at present about 4% of my investible assets (and 2% of NW). I have had some success with this play money. But nothin...
by deikel
Wed Aug 26, 2020 12:20 pm
Forum: Personal Investments
Topic: Bond 401k choices
Replies: 4
Views: 348

Re: Bond 401k choices

Take the risk on the stock side of your portfolio and not on the bond side. You will trick yourself into believing that bonds are safe, when in reality eg high yield corporate bonds are not nearly as safe as i bonds. Or to put it another way. If you don't like the bond yield you have, decrease the a...
by deikel
Tue Aug 25, 2020 12:11 pm
Forum: Personal Finance (Not Investing)
Topic: Poll of the retirees among us--spending in retirement
Replies: 76
Views: 6691

Re: Poll of the retirees among us--spending in retirement

if COVID was any indication in March/April/May/June, then your expenses should drop by a lot if you restrict your movements at higher age (less travel) and stay at home (less entertainment outside the house) and puttering around the house is your only consumption of time 30% drop in my case, so that...
by deikel
Mon Aug 24, 2020 3:22 pm
Forum: Personal Finance (Not Investing)
Topic: Credit Card Dispute--Any Suggestions?
Replies: 46
Views: 2424

Re: Credit Card Dispute--Any Suggestions?

went through a dispute process process with citi lately and it was extremely pain free (the credit card part that is). They posted temporary credit the same day, tried to contact the seller and gave them 60 day to respond. After the 60 days were up, the credit became permanent. I called them up to s...
by deikel
Sun Aug 23, 2020 12:35 pm
Forum: Personal Investments
Topic: Single Stock (TSLA)
Replies: 22
Views: 2030

Re: Single Stock (TSLA)

owning single stock is not a strategy, you will never have any information that other investors do not have before you. So if you go investing in single stock, you are just chasing trends (so skip all the fundamentals rubbish) - you can go after trends or don't, but its no long term strategy Now, ho...
by deikel
Sun Aug 23, 2020 12:22 pm
Forum: Personal Investments
Topic: Sell me on a 401(k)
Replies: 43
Views: 2810

Re: Sell me on a 401(k)

At your tax bracket, that is a no-brainer You are putting money into the 401k and you save (defer) 24% taxes on it. If you are smart in taking the money out in retirement, you will take out some of that money at 0 tax % (your deductions) and then very little in the first and second tax bracket 10-12...
by deikel
Sun Aug 23, 2020 12:15 pm
Forum: Personal Investments
Topic: Refinance question
Replies: 4
Views: 364

Re: Refinance question

Your question boils down to 'should you leverage your home into something else' If you wanted to leverage (current rates are low), you should probably take money out and mortgage to the max the house can carry (less 20% to avoid PMI)...and then take it all into the stock market In that case, you bas...
by deikel
Sun Aug 23, 2020 12:01 pm
Forum: Personal Investments
Topic: Ramping up retirement savings / help with funds
Replies: 11
Views: 820

Re: Ramping up retirement savings / help with funds

1) It sounds like you need to do some more convincing about the value of bonds in your portfolio. Bonds help you not to panic sell in a downturn - if you did not panic in March, then maybe you do not need many bonds for that purpose. Bonds also help you draw on money in the first five to ten years o...
by deikel
Fri Aug 21, 2020 12:59 pm
Forum: Personal Finance (Not Investing)
Topic: Percent of Net Worth in Home too Much?
Replies: 27
Views: 2293

Re: Percent of Net Worth in Home too Much?

You could calculate what your home actually saves you in housing costs and then calculate an investment return based on those numbers. So if your currently invested housing net asset value of say 150k saves you some 6k dollar in rent payment, then your investment returns 4%. That is more then a cash...
by deikel
Fri Aug 21, 2020 12:47 pm
Forum: Personal Finance (Not Investing)
Topic: Housing decision
Replies: 20
Views: 2004

Re: Housing decision

Hi, Need some advice about housing situation. We were looking for a house then put it on hold due to covid. We moved to a house close to my workplace hospital. Now I am liking this situation a lot. I can stay home while on call, go home in between surgeries to have lunch etc. Family is happy too. I...
by deikel
Thu Aug 20, 2020 3:43 pm
Forum: Personal Investments
Topic: Helping my Mom
Replies: 12
Views: 1008

Re: Helping my Mom

I think it would be worth to have a more serious chat with you mom beyond the next couple of months - holding singular stock is risky, great she has apple and it did well for her, but that position should probably go - her Wellesley fund is actually ca 60% bonds and 40% stock - so fairly conservativ...
by deikel
Wed Aug 19, 2020 4:33 pm
Forum: Personal Investments
Topic: Considering Shift in Fixed AA
Replies: 4
Views: 418

Re: Considering Shift in Fixed AA

I would not consider corporate bonds a safe investment, so I would argue that only half your current bond portfolio really qualifies as bonds in the classical reading of an asset allocation, so you are more like 85/15 I would transition all corp bond to CDs and Total bond (or short term bond if that...
by deikel
Wed Aug 19, 2020 4:12 pm
Forum: Personal Investments
Topic: Retirement Help Please
Replies: 7
Views: 1026

Re: Retirement Check Up

To answer your technical question first, if you keep on saving 20k a year, you start at 150k and assume a 5% increase per year (real increase, inflation already taken care off, so 8-9% absolute), then after 29 years you end up with 1.9 mil - less then you wanted. But always calculate without inflati...
by deikel
Wed Aug 19, 2020 3:49 pm
Forum: Personal Investments
Topic: The next bubble: Passive investing in ETFs?
Replies: 9
Views: 1005

Re: The next bubble: Passive investing in ETFs?

How is it conceptually a bad idea to spread your investments across a large range of companies/stocks ? You can argue ETF vs mutual funds and there had been issues with pricing in the past if the market crashes and the ETF pricing can barely keep up....but that's about it. You might also argue that ...
by deikel
Tue Aug 18, 2020 2:48 pm
Forum: Personal Investments
Topic: How much did you save?
Replies: 102
Views: 13807

Re: How much did you save?

A question for the Bogleheads here who have had the good luck of reaching the two-comma club: roughly how much did you save each year? I assume you maxed out the tax-advantaged accounts to which you had access (eg, a 401(k), an IRA, etc.), and selected index funds for your stock and bond allocation...
by deikel
Tue Aug 18, 2020 2:28 pm
Forum: Personal Investments
Topic: Newbie to the Forum - Looking for Feedback
Replies: 21
Views: 1175

Re: Newbie to the Forum - Looking for Feedback

1. There is nothing wrong with having a healthy emergency fund, especially if you need to cover 'emergencies' in two countries. But on teh flip side, you probably want to and can be more aggressive with the money you have invested. having that much cash AND a 50/50 stock/bond allocation seems overly...
by deikel
Tue Aug 18, 2020 1:47 pm
Forum: Personal Investments
Topic: Age of 55 Time Requirement?
Replies: 4
Views: 793

Re: Age of 55 Time Requirement?

I think you might be better off to follow 72(t) regulations and withdraw starting at your age 50 instead (maybe even for 5 years without using that money other then replenishing the taxable) Getting hired again at 55 after 5 years being off work, just to move 401k accounts and then quit seems a lot ...
by deikel
Thu Aug 13, 2020 2:55 pm
Forum: Personal Investments
Topic: Advice on Investing
Replies: 5
Views: 510

Re: Advice on Investing

conceptually, I would just bump up the target in your emergency fund to also cover the needed car - its not an unforeseen emergency and more of a planned expense, but still money needed on such a short time frame should never be invested. Even bonds can drop in price btw, ally is now down to 0.8% on...
by deikel
Thu Aug 13, 2020 2:34 pm
Forum: Personal Investments
Topic: Roll over or self manage
Replies: 7
Views: 415

Re: Roll over or self manage

You are really asking a couple of different things here: a) in what type of account does this money sit in ? left over 401k from previous employment, IRA roth-IRA or is this in an investment account (personal account, not tax advantaged) b) rolling it into your current respective employers 401k (or ...
by deikel
Fri May 08, 2020 2:25 pm
Forum: Personal Investments
Topic: What to do with $200K in TIRA
Replies: 18
Views: 886

Re: What to do with $200K in TIRA

Your time horizon is not really near though (I think) You might declare your self retired in the next 5 years - but your overall assets will have to support you for another say 35 years....so I am not sure if it is the right way to look at to say this money will be needed in 5 or 8 years....part of...
by deikel
Fri May 08, 2020 1:57 pm
Forum: Personal Investments
Topic: Investing in woman-directed businesses
Replies: 4
Views: 339

Re: Investing in woman-directed businesses

when I try to follow the MSCI index, I see a consistent under performance over the last three years (was not available before) The mentioned Fidelity fund FWOMX is brand new, so hard to say, but for the time being it is under performing as well The FWOMX also has an expense ration of 1% - which seem...
by deikel
Wed May 06, 2020 1:59 pm
Forum: Personal Investments
Topic: What to do with $200K in TIRA
Replies: 18
Views: 886

Re: What to do with $200K in TIRA

Your time horizon is not really near though (I think) You might declare your self retired in the next 5 years - but your overall assets will have to support you for another say 35 years....so I am not sure if it is the right way to look at to say this money will be needed in 5 or 8 years....part of...
by deikel
Wed May 06, 2020 1:53 pm
Forum: Personal Investments
Topic: How long is this profit sustainable as a New Trader?
Replies: 61
Views: 4232

Re: How long is this profit sustainable as a New Trader?

Sounds like you substantially underperformed passive stock investing for the month of April. So rather than think in absolute percentages, imagine continuing to underperform by about a third, and think whether there might be a better (and simpler) way. I believe this is to another person? My questi...
by deikel
Wed May 06, 2020 1:27 pm
Forum: Personal Investments
Topic: What to do with $200K in TIRA
Replies: 18
Views: 886

Re: What to do with $200K in TIRA

Your time horizon is not really near though (I think) You might declare your self retired in the next 5 years - but your overall assets will have to support you for another say 35 years....so I am not sure if it is the right way to look at to say this money will be needed in 5 or 8 years....part of ...
by deikel
Wed May 06, 2020 11:59 am
Forum: Personal Investments
Topic: investment question
Replies: 4
Views: 323

Re: investment question

- think about the social security payments resulting if one of you passes away and make sure your finances still work out - whatever you do. - do you really have to spend that much money in repairs for the house to sell ? The usual wisdom is to just sell as is and let the buyer decide what they want...
by deikel
Wed May 06, 2020 7:17 am
Forum: Personal Investments
Topic: Is now a bad time to front load my 401k?
Replies: 12
Views: 1024

Re: Is now a bad time to front load my 401k?

Make sure your company has true up match if you want to max it out early. This is very important, many companies do NOT do that, so if you max out too early you loose the match for the rest of the year - seen that, done that...they only match a percentage of your salary if you contribute every pay ...
by deikel
Tue May 05, 2020 4:03 pm
Forum: Personal Investments
Topic: DAD Trying to accumulate wealth for his lil Girl (Special Needs)
Replies: 27
Views: 3911

Re: DAD Trying to accumulate wealth for his lil Girl (Special Needs)

I actually don't see any difference in the approach if you factor in your special needs kid. Your goal should be to reach financial independence - so go in the FIRE direction as best as you can and as fast as you can. The only difference may be the needed care for the child-eventual adult. Factor in...
by deikel
Tue May 05, 2020 1:47 pm
Forum: Personal Finance (Not Investing)
Topic: Title guy when buying a house
Replies: 17
Views: 1454

Re: Title guy when buying a house

It means when you buy a property, you are checking its title - which basically means you are checking that the seller actually truly owns what they are selling to you (and what exactly is recorded that they are selling) and you are actually buying what you intend to buy - plus you make sure there is...
by deikel
Mon May 04, 2020 3:06 pm
Forum: Personal Finance (Not Investing)
Topic: What makes a real estate agent good?
Replies: 30
Views: 2594

Re: What makes a real estate agent good?

Availability - if I see an interesting property online (and everyone is looking online), I want the agent to react to my info request and send me all the other information available for that property right away - not after two days or even one day Local knowledge - I can see a nice property and thin...