Search found 1108 matches

by dcabler
Sun Nov 17, 2019 8:19 am
Forum: Personal Investments
Topic: Why do you have to "beat the market"?
Replies: 93
Views: 5572

Re: Why do you have to "beat the market"?

Some of us want to attempt to maximize our returns within our risk tolerance. To many of us, that thought process has nothing to do with "the market" if one considers any investment to be an equally viable candidate for consideration.
by dcabler
Sat Nov 16, 2019 6:32 am
Forum: Personal Finance (Not Investing)
Topic: Pre-Tax + After-Tax + Match MAX: Any way to easily avoid IRS limit ($57k)
Replies: 11
Views: 1003

Re: Pre-Tax + After-Tax + Match MAX: Any way to easily avoid IRS limit ($57k)

In my employer's 401k plan, the contributions automatically stop once the limit is reached. I would guess that most 401k plans work this way. The trouble is that match may stop when the total contribution reaches $57k before the last pay check. In my case, match also stops because there is no more ...
by dcabler
Fri Nov 15, 2019 2:42 pm
Forum: Personal Investments
Topic: Cancelling M* Premium
Replies: 13
Views: 1172

Re: Cancelling M* Premium

hirlaw wrote:
Fri Nov 15, 2019 2:29 pm
My public library account has online access to much of the material in Morningstar Premium, including the full X-Ray.
Same here - only downside some may have is that you can't save your portfolio. Not a biggy for me, though.
by dcabler
Fri Nov 15, 2019 11:37 am
Forum: Investing - Theory, News & General
Topic: for all the talk - do we really need to rebalance that often? at all?
Replies: 25
Views: 2080

Re: for all the talk - do we really need to rebalance that often? at all?

Lots of information out there showing that frequent rebalance isn't necessary. That said, it doesn't hurt that much either, unless you're frequently doing it in a taxable account and having to pay cap gains because of it. I have all stocks in taxable and both stocks and bonds in deferred. So any reb...
by dcabler
Thu Nov 14, 2019 10:00 am
Forum: Personal Finance (Not Investing)
Topic: MetLaw - new company benefit - worth it?
Replies: 8
Views: 588

Re: MetLaw - new company benefit - worth it?

I've had this available for several years now, but I've never joined. We are currently in open enrollment and we are also considering it as an inexpensive way to get our wills updated. Not sure we'd ever need the rest, but that's sort of the thing about legal matters - you don't always know when you...
by dcabler
Wed Nov 13, 2019 12:23 pm
Forum: Personal Consumer Issues
Topic: Retired Boglehead obsession with money- devil's advocate
Replies: 84
Views: 13176

Re: Retired Boglehead obsession with money- devil's advocate

This thread needs some music. The only question is whether you listen to Pink Floyd's Time first or Money first. Not a bad album with the eclipse happening soonish. Pink Floyd – Time Ticking away the moments that make up a dull day Fritter and waste the hours in an offhand way. Kicking around on a ...
by dcabler
Wed Nov 13, 2019 7:36 am
Forum: Personal Consumer Issues
Topic: Is LastPass still top in security, any reason to switch?
Replies: 44
Views: 4416

Re: Is LastPass still top in security, any reason to switch?

Not sure why would anyone need to back up his passwords. If I lost a password (that is saved in my password manager), I would simply click "forgot password" at the website I want to access and follow the prompts. Many sites I use ask a large number of extra security questions of their choosing - I ...
by dcabler
Wed Nov 13, 2019 6:55 am
Forum: Personal Consumer Issues
Topic: Is LastPass still top in security, any reason to switch?
Replies: 44
Views: 4416

Re: Is LastPass still top in security, any reason to switch?

My recommendation is to write down financial services (e.g. banks and brokerage firms --- not so much CC companies) passwords in a safe place at home, and use LastPass for everything else. A paper with written passwords presents new vulnerabilities. I recommend a digital record of the passwords sep...
by dcabler
Tue Nov 12, 2019 12:07 pm
Forum: Personal Consumer Issues
Topic: Is LastPass still top in security, any reason to switch?
Replies: 44
Views: 4416

Re: Is LastPass still top in security, any reason to switch?

My recommendation is to write down financial services (e.g. banks and brokerage firms --- not so much CC companies) passwords in a safe place at home, and use LastPass for everything else. A paper with written passwords presents new vulnerabilities. I recommend a digital record of the passwords sep...
by dcabler
Tue Nov 12, 2019 10:08 am
Forum: Investing - Theory, News & General
Topic: Are TIPS really a good inflation hedge? Pros and Cons
Replies: 151
Views: 11560

Re: Are TIPS really a good inflation hedge? Pros and Cons

One important addendum to the bond fund duration-matching strategy is that your average duration target should actually be = Investment Horizon / 2. This rule of thumb generally comes from people who either don't know how to properly calculate the investment horizon or who are making unacknowledged...
by dcabler
Tue Nov 12, 2019 7:44 am
Forum: Investing - Theory, News & General
Topic: Shiller PE10 data not being updated?
Replies: 13
Views: 1215

Re: Shiller PE10 data not being updated?

Usually I check out Shiller's site once a month. Site link: http://www.econ.yale.edu/~shiller/data.htm The CAPE Excel file hasn't been updated since early August. Do you think it will be updated eventually? Any reasons why it is temporarily stale? I like the full file for the data it contains as we...
by dcabler
Fri Nov 08, 2019 3:22 pm
Forum: Personal Consumer Issues
Topic: How bad business travel is?
Replies: 61
Views: 4703

Re: How bad business travel is?

Not sure what my % travel is, but about once a quarter I go to Europe to visit part of my team in the Czech Republic. And since I already made the jump across the pond, I visit some of our internal customers in Belgium and UK. I'm usually gone for 1-2 weeks, depending. And I just got back from 2 wee...
by dcabler
Fri Nov 08, 2019 6:53 am
Forum: Personal Investments
Topic: taxation when rebalancing??
Replies: 14
Views: 927

Re: taxation when rebalancing??

- Rebalance with new money to the underweight investment. - Try to rebalance in tax advantaged accounts - Don't reinvest dividends and instead rebalance with them - Don't rebalance too precisely. Allow the allocation to float a bit. (Write down how much "a bit" is so you don't cheat.) - When sellin...
by dcabler
Thu Nov 07, 2019 6:49 pm
Forum: Personal Investments
Topic: Is Deferred Compensation Program Risky?
Replies: 19
Views: 2093

Re: Is Deferred Compensation Program Risky?

The main risk is of a deferred compensation plan is that in the case of bankruptcy, you are just another creditor to be paid off and most likely not at the top of the list to be paid. There are some protections for this (google "rabbi trust"), but it is not absolute. In my case, there was also some...
by dcabler
Thu Nov 07, 2019 4:26 pm
Forum: Forum Issues and Administration
Topic: New Forum for Retirement / Early Retirement
Replies: 7
Views: 1170

Re: New Forum for Retirement / Early Retirement

pop77 wrote:
Thu Nov 07, 2019 4:21 pm
Would it make sense to start a new forum that focusses on topics exclusively on retirement including ideas /thoughts on early retirement?
You mean like the already existing www.early-retirement.org ?

Cheers
by dcabler
Thu Nov 07, 2019 12:16 pm
Forum: Personal Investments
Topic: Is Deferred Compensation Program Risky?
Replies: 19
Views: 2093

Re: Is Deferred Compensation Program Risky?

The main risk is of a deferred compensation plan is that in the case of bankruptcy, you are just another creditor to be paid off and most likely not at the top of the list to be paid. There are some protections for this (google "rabbi trust"), but it is not absolute. In my case, there was also somet...
by dcabler
Wed Nov 06, 2019 1:53 pm
Forum: Investing - Theory, News & General
Topic: Cap weight and performance
Replies: 3
Views: 244

Re: Cap weight and performance

Interesting article about cap weighting, exploring various approaches: LC, MC, SC. and equal weighting within the LC sector. The author argues that MC seems to be a sweet spot in risk/reward (Mel's unloved MCs) and also shows equal weighting of S&P 500 to avoid domination by mega-caps has produced ...
by dcabler
Wed Nov 06, 2019 7:15 am
Forum: Investing - Theory, News & General
Topic: 2020 I Bonds: what's your plan?
Replies: 19
Views: 1623

Re: 2020 I Bonds: what's your plan?

I will do what I always do. Sometime early January, my wife and I will each purchase $10K. Then, if I got things right, come tax time we'll purchase another $5K from our tax refund. For us the fact that it's inflation adjusted and earnings are tax deferred is more important than the fixed rate since...
by dcabler
Tue Nov 05, 2019 2:11 pm
Forum: Personal Investments
Topic: ESPP and RSUs
Replies: 35
Views: 2001

Re: ESPP and RSUs

Hi all, I started a new job last year and the buy order for the first ESPP offering period I was eligible for went through. Yay me, I now own a slice of the company. Given my preference to invest in a Boglehead-centric, index fund-based portfolio, the stock is definitely an outlier. After reading t...
by dcabler
Tue Nov 05, 2019 9:27 am
Forum: Investing - Theory, News & General
Topic: Wait for Social Security - breakeven returns
Replies: 107
Views: 9832

Re: Wait for Social Security - breakeven returns

Here's a classic post for those who " wish to spend more money in retirement and do not care about leaving an estate ": Delay Social Security to age 70 and Spend more money at 62 . This 2012 post by Cut Throat is well worth reading. Thanks for referencing it. [1] Since that post takes an approach t...
by dcabler
Fri Nov 01, 2019 10:31 am
Forum: Investing - Theory, News & General
Topic: Mel's Unloved Mid-Caps Finally Getting Some Respect
Replies: 79
Views: 12263

Re: Mel's Unloved Mid-Caps Finally Getting Some Respect

After clicking on Mel's OP link and going to an arbitrary page, I realized that the thread is pretty old. That said, a couple of days ago, I was updating my investments spreadsheet and noticed that for the year ending 09/30/2019, extended market has been outperformed by S&P500. Doesn't that essenti...
by dcabler
Fri Nov 01, 2019 9:44 am
Forum: Investing - Theory, News & General
Topic: Mel's Unloved Mid-Caps Finally Getting Some Respect
Replies: 79
Views: 12263

Re: Mel's Unloved Mid-Caps Finally Getting Some Respect

Have any of you midcap lovers formed an opinion of the down jones US completion stock index? I can get FSMAX in my 401k. They reformulate our options and I lost what I was holding. For a mid-cap lover this seems like an okay way to go. Yes, I hold a completion index fund in a deferred compensation ...
by dcabler
Thu Oct 31, 2019 12:30 pm
Forum: Investing - Theory, News & General
Topic: 20 yr review of Mel's Unloved Midcaps
Replies: 43
Views: 9905

Re: 20 yr review of Mel's Unloved Midcaps

I was playing around with portfolio visualizer and I find this interesting: From 1979-1999 small, mid, and large cap perform about the same. From 2004-2019 small, mid, and large cap perform about the same. From 1999-2004 midcap and small cap perform massively better than large cap. The period of ou...
by dcabler
Thu Oct 31, 2019 11:03 am
Forum: Investing - Theory, News & General
Topic: 20 yr review of Mel's Unloved Midcaps
Replies: 43
Views: 9905

Re: 20 yr review of Mel's Unloved Midcaps

I was playing around with portfolio visualizer and I find this interesting: From 1979-1999 small, mid, and large cap perform about the same. From 2004-2019 small, mid, and large cap perform about the same. From 1999-2004 midcap and small cap perform massively better than large cap. The period of ou...
by dcabler
Thu Oct 31, 2019 7:29 am
Forum: Investing - Theory, News & General
Topic: Mel's Unloved Mid-Caps Finally Getting Some Respect
Replies: 79
Views: 12263

Re: Mel's Unloved Mid-Caps Finally Getting Some Respect

Love Mels Unloved Midcaps. I have 50% of my U.S. equities in mid caps and the other 50% in the S&P 500. I use the S&P 400 and the CRSP mid cap index in my wifes TIAA 401(a) account. I’ve been very pleased with the performance of midcaps. I see they still don’t get the respect they deserve though bu...
by dcabler
Mon Oct 28, 2019 8:01 pm
Forum: Personal Consumer Issues
Topic: Anyone have an issue with Corelle plates?
Replies: 38
Views: 3602

Re: Anyone have an issue with Corelle plates?

Was given a set when I started college in 1979 - back when they still had the lifetime guarantee. Didn't get rid of them until I got married. Kinda wish I'd kept them.
by dcabler
Sun Oct 27, 2019 5:39 pm
Forum: Personal Consumer Issues
Topic: Is this new to engineering job hunting?
Replies: 33
Views: 4251

Re: Is this new to engineering job hunting?

My son was graduated as an electrical engineer/minor in mathematics this past spring and was able to obtain a job right away at where he was interned, but its an intern job not a full time. He discovered that many engineers he works with are consultants, afew of them left the company and afew of ne...
by dcabler
Mon Oct 21, 2019 6:31 pm
Forum: Investing - Theory, News & General
Topic: Unique withdrawal method
Replies: 65
Views: 6904

Re: Unique withdrawal method

You mean something besides SWR, VPW, PMT, Kitces ratcheting method, Guyton-Klinger decision rules, ERN's valuation method, 1/N, fixed % of portfolio, Gummy's sensible withdrawals, Taylor's withdraw more if your portfolio does well and less if it doesn't, spend only dividends, McClung's Prime Harves...
by dcabler
Fri Oct 18, 2019 3:43 pm
Forum: Investing - Theory, News & General
Topic: Unique withdrawal method
Replies: 65
Views: 6904

Re: Unique withdrawal method

You mean something besides SWR, VPW, PMT, Kitces ratcheting method, Guyton-Klinger decision rules, ERN's valuation method, 1/N, fixed % of portfolio, Gummy's sensible withdrawals, Taylor's withdraw more if your portfolio does well and less if it doesn't, spend only dividends, McClung's Prime Harvest...
by dcabler
Thu Oct 17, 2019 4:00 pm
Forum: Investing - Theory, News & General
Topic: How often do you look at your IRA or 401K Balances
Replies: 71
Views: 5750

Re: How often do you look at your IRA or 401K Balances

Probably once a week on Saturday mornings. I'm an early riser and this is part of my "me time" before everybody else gets up when I update all of my spreadsheets, take a pulse of where I am and determine (automatically) if I'm up for a rebalance. Not just IRAs and 401K, but across all of my accounts...
by dcabler
Thu Oct 17, 2019 10:53 am
Forum: Personal Investments
Topic: Rebalancing [Portfolio Review]
Replies: 9
Views: 799

Re: Rebalancing

Ferdinand2014 wrote:
Thu Oct 17, 2019 10:13 am
I wouldn’t bother rebalancing. Just contribute to the lagging funds or contribute based on your asset allocation. Your contributions will overwhelm any market changes.
+1, especially in the early years of investing....
by dcabler
Mon Oct 14, 2019 5:13 pm
Forum: Personal Investments
Topic: Withdrawal Plan. McClung or Allocation Bands?
Replies: 47
Views: 3392

Re: Withdrawal Plan. McClung or Allocation Bands?

My personal opinion is that if you believe in market timing, you should use your market timing indicators to create a path independent asset allocation. McClung's prime harvesting is no such strategy and as far as I'm aware of, no such retirement strategy has been proposed by anyone. it's essential...
by dcabler
Sat Oct 12, 2019 6:45 am
Forum: Personal Finance (Not Investing)
Topic: Anyone ever got car insurance JUST for car rentals?
Replies: 13
Views: 1219

Re: Anyone ever got car insurance JUST for car rentals?

I might be renting a car a bit more often in near future, like for a weekend or every weekend or for a week kinda thing. I dont want to buy the car insurance the renters sell since its super expensive on a daily basis, often $40 a day! I figured I could probably buy legit insurance for few hundred ...
by dcabler
Wed Oct 09, 2019 1:31 pm
Forum: Personal Finance (Not Investing)
Topic: Should a job offer include details about relocation package?
Replies: 20
Views: 2095

Re: Should a job offer include details about relocation package?

I know the salary and bonus but not these items..... Should a written job offer include details about relocation package? Or are they normally disclosed after you signed letter accepting job? What a good relocation package for Mid level employee? I need to sell home and move into temp housing befor...
by dcabler
Wed Oct 09, 2019 9:57 am
Forum: Investing - Theory, News & General
Topic: 'Stay the course' with international stock but give up on value?
Replies: 101
Views: 6998

Re: 'Stay the course' with international stock but give up on value?

I think that the options available to a lot of investors through their respective retirement accounts would lead one to believe that diversification isn't as much in the investor's control. What leads you to that conclusion? Would you consider a BH 3 Fund to have "enough" diversification? My questi...
by dcabler
Tue Oct 08, 2019 10:50 am
Forum: Personal Finance (Not Investing)
Topic: What are the essential and discretionary expenses in a retirement budget?
Replies: 110
Views: 6701

Re: What are the essential and discretionary expenses in a retirement budget?

Essential vs Discretionary is a false dichotomy. A better thought process might be to start at the other end and think through what the plan would be if one had to reduce spending at some point in time of if one had to define a plan that set a lower level on spending. Actually the alternative could...
by dcabler
Tue Oct 08, 2019 9:27 am
Forum: Personal Consumer Issues
Topic: Find my phone -- easy way to find it when lost in the house?
Replies: 38
Views: 2672

Re: Find my phone -- easy way to find it when lost in the house?

Funny - I had to do this just last night. Of course it was sitting on a side table next to the bed, in plain sight. :D As folks have already said, whether you have an Android based phone or an IPhone, there is a feature for finding your phone that let you make the phone play a sound so you can find ...
by dcabler
Sat Oct 05, 2019 7:00 am
Forum: Investing - Theory, News & General
Topic: How many are switching from Fidelity?
Replies: 140
Views: 15985

Re: How many are switching from Fidelity?

Fidelity has the vast amounts of my holdings. When I'm done with my current employer, I'll roll over my 401K into my IRA there and I'll move my HSA there. I hold Fidelity Mutual funds + iShares ETFs which trade commission free already. I don't hold any individual stocks at all, so it would make no s...
by dcabler
Fri Oct 04, 2019 12:16 pm
Forum: Personal Investments
Topic: One or more Investment Firms?
Replies: 12
Views: 820

Re: One or more Investment Firms?

As somebody who does have accounts at multiple places, I only wish I were at one for the convenience. Over time, I will consolidate into one after I roll my current 401K from my employer, move my HSA to Fidelity, finish payout of a deferred compensation plan, and sell a single fund I have at Vanguar...
by dcabler
Wed Oct 02, 2019 2:30 pm
Forum: Non-US Investing
Topic: Why is small cap value so special?
Replies: 17
Views: 1555

Re: Why is small cap value so special?

... just additional return in exchange for taking on additional risk . ... That should be priced in. If it would be such a clear case that small cap value would outperform because of the wilder swings, then why don't we all outperform by holding large allocations to small caps? I believe the market...
by dcabler
Wed Oct 02, 2019 2:07 pm
Forum: Non-US Investing
Topic: Why is small cap value so special?
Replies: 17
Views: 1555

Re: Why is small cap value so special?

I believe that it's definitely a risk story where the risk has historically been compensated for the patient ones. I do think that factors, as currently defined (and being redefined with the addition of things like quality, momentum, etc) do make sense historically. Whether it will continue or, perh...
by dcabler
Wed Oct 02, 2019 10:13 am
Forum: Personal Investments
Topic: Learnings/Regrets from last two recessions
Replies: 91
Views: 12511

Re: Learnings/Regrets from last two recessions

First one: oblivious because I was working so much. Was maxing our 401K but basically looking at previous years returns to make investment decisions. Couldn't even spell AA. Some more or less random choices being made in my taxable account at Fidelity. Still, after all of that, I miraculously did OK...
by dcabler
Wed Oct 02, 2019 6:38 am
Forum: Personal Consumer Issues
Topic: Who has had a pool?
Replies: 108
Views: 9967

Re: Who has had a pool?

I live in central TX. We put a pool in when our daughter was about 11 years old. Heavy use for probably the first 5 years we had it in. Since then, it's used heavily a couple of times a year when we have friends over and only occasionally by us now that the kiddo is off to college. Once you get the ...
by dcabler
Tue Oct 01, 2019 2:42 pm
Forum: Personal Consumer Issues
Topic: Salt-Free Water Softeners
Replies: 42
Views: 3297

Re: Salt-Free Water Softeners

Salt-free softeners don't work as well as conventional units. What problem are you actually trying to solve? What is your current GPG hardness and do you have some medical reason to avoid salt? How do I find CPG hardness? I tried researching my city’s water reports, but can’t find anything regardin...
by dcabler
Mon Sep 30, 2019 9:31 am
Forum: Personal Investments
Topic: 401k & IRA Maxed Out- Now What?
Replies: 10
Views: 950

Re: 401k & IRA Maxed Out- Now What?

Many people, once they've filled up all of their tax advantaged space, consider Ibonds. The amount that can be purchased annually is limited, but they do keep up with inflation plus a little, and their accrued interest isn't taxable until they're sold or mature. Tax free if used for education purpos...
by dcabler
Sat Sep 28, 2019 8:12 am
Forum: Investing - Theory, News & General
Topic: AA measured in years, not percentages.
Replies: 30
Views: 1756

Re: AA measured in years, not percentages.

Similar ideas have been put forth on BH in the past. For example, the time-value-of-money thread as well as creating a bond ladder (usually TIPs) to fund the time between retirement and SS. Many times I've seen folks looking at their bond holdings in terms of years that they could sustain a prolonge...
by dcabler
Sat Sep 28, 2019 6:44 am
Forum: Personal Consumer Issues
Topic: First car for child
Replies: 129
Views: 8134

Re: First car for child

Cycle wrote:
Sun Sep 22, 2019 10:54 am
Toyota Corolla or Honda Civic. Not fancy, easy to park, safety features
+1 Our kid inherited my old civic just before she went off to college. Old enough that we've only kept liability on it. Airbags, side airbags, etc.

Cheers
by dcabler
Sat Sep 28, 2019 6:37 am
Forum: Investing - Theory, News & General
Topic: How much cash do you keep in your HSA?
Replies: 63
Views: 4847

Re: How much cash do you keep in your HSA?

When I joined my current company, $1500 was the minimum, but they lowered it to $1000 about a year later. I started off reimbursing everything up to the deductible and invested the rest each year. I've now changed my plan and invest everything but the minimum $1K cash they required and pay out-of-po...
by dcabler
Thu Sep 26, 2019 10:38 am
Forum: Investing - Theory, News & General
Topic: Question About Historic Data Sheets
Replies: 6
Views: 379

Re: Question About Historic Data Sheets

OP was looking for more than just data derived analysis derived from historic returns. If the other items being asked are available on portfoliovisualizer, I haven't seen them. Thanks for that insight. I wanted to make certain they were aware of portfoliovisualizer, and if not, that its capabilitie...
by dcabler
Thu Sep 26, 2019 9:17 am
Forum: Investing - Theory, News & General
Topic: Question About Historic Data Sheets
Replies: 6
Views: 379

Re: Question About Historic Data Sheets

Welcome to Bogleheads! Have you tried Portfolio Visualizer? I expect that it should provide you with what you want with greater ease and accuracy. https://www.portfoliovisualizer.com/backtest-portfolio Cheers OP was looking for more than just data derived analysis derived from historic returns. If ...