Search found 608 matches

by Compound
Sat Sep 22, 2018 6:35 am
Forum: Investing - Help with Personal Investments
Topic: Need 401k Portfolio asset allocation recommendations - 35yo with 200k.
Replies: 9
Views: 1007

Re: Need 401k Portfolio asset allocation recommendations - 35yo with 200k.

Below is my current portfolio makeup, with a balance of $200k. I am currently 35 and would like to retire around 60-65. I will max out my 401k plan between now and retirement on all years, along with maxing out a Roth or traditional IRA on some years. I don't expect to have any other retirement ass...
by Compound
Fri Sep 21, 2018 5:06 am
Forum: Investing - Help with Personal Investments
Topic: Need Help Beginning Ignorant and Naive Investor
Replies: 3
Views: 400

Re: Need Help Beginning Ignorant and Naive Investor

Stay the course. Be patient. Pick your overall desired asset allocation and stick with it. Don’t let short term changes in performance cloud your view of the big picture. And, it sounds like it is time for you to write an investment policy statement: https://www.bogleheads.org/wiki/Investment_policy...
by Compound
Fri Sep 21, 2018 4:41 am
Forum: Investing - Help with Personal Investments
Topic: Let's rebalance my young 401k
Replies: 5
Views: 665

Re: Let's rebalance my young 401k

Let’s say you choose an asset allocation with (roughly) age-10 in bonds as your guide. You’d be at 80% stocks and 20% bonds. On the stock side I’d use VIIIX, VEMPX, and VTSNX to comprise the 80% On the bond side I’d use DEBTM to comprise the 20% The chosen funds are all index funds with low fees. Fu...
by Compound
Wed Sep 19, 2018 6:48 pm
Forum: Investing - Theory, News & General
Topic: A really general question!
Replies: 9
Views: 815

Re: A really general question!

Read this amazingly good primer:

https://www.etf.com/docs/IfYouCan.pdf
by Compound
Wed Sep 19, 2018 6:43 pm
Forum: Investing - Help with Personal Investments
Topic: Asset Location - 403b + Roths
Replies: 4
Views: 565

Re: Asset Location - 403b + Roths

My question is: Does it make sense to load the Roth completely with equities and essentially do all rebalancing in the 403b between Vanguard S&P500 and Total Bond? Yes, your plan makes sense. Many do it the way you propose: put highest risk/expected return assets in Roth account and the rest in tax...
by Compound
Wed Sep 19, 2018 5:40 am
Forum: Personal Finance (Not Investing)
Topic: Best Next Move? HELOC / Mortgage, etc.
Replies: 3
Views: 494

Re: Best Next Move? HELOC / Mortgage, etc.

Lots of unknowns here which make it tough to give a definitive answer. For example, what are you current loan payments (P&I)? We don't know, for sure, what future mortgage rates will be. Don't know how long you will stay in current house. How much can you afford to pay/month. Is your motivation to ...
by Compound
Sun Sep 16, 2018 1:52 pm
Forum: Investing - Theory, News & General
Topic: Podcast Now Available - Bogleheads On Investing: Episode #1 with John C. Bogle
Replies: 66
Views: 7530

Re: Podcast Now Available - Bogleheads On Investing: Episode #1 with John C. Bogle

I found out the feed to Overcast.FM comes through iTunes. The podcast has been submitted to iTunes, but read that It can take several days to validate a new podcast site. When not logged in from my desktop, the podcast does not appear in the search box. Search for "Investing" comes up with many pod...
by Compound
Sun Sep 16, 2018 9:45 am
Forum: Investing - Theory, News & General
Topic: Podcast Now Available - Bogleheads On Investing: Episode #1 with John C. Bogle
Replies: 66
Views: 7530

Re: Podcast Now Available - Bogleheads On Investing: Episode #1 with John C. Bogle

Now on Overcast.com [invalid link, see below --admin LadyGeek] Still waiting approval from iTunes and Google Play. Any other requests? That domain is for sale. I think you mean Overcast (overcast.fm). Sorry, I don't see the podcast. Can you provide a direct link? I found out the feed to Overcast.FM...
by Compound
Sun Sep 16, 2018 6:42 am
Forum: Personal Finance (Not Investing)
Topic: Considering Quitting Job - Seeking Advice. Would you do it?
Replies: 154
Views: 12156

Re: Considering Quitting Job - Seeking Advice. Would you do it?

Sounds like:

80 hours/week minimum.
95 hours/week average.
110 hours/week at its worst.

Continuously putting in those kids of hours is inhumane. Particularly with a family in tow. Time to start looking.
by Compound
Fri Sep 14, 2018 6:13 pm
Forum: Investing - Help with Personal Investments
Topic: How am I doing? -- 32 y/o lawyer in Bay Area
Replies: 32
Views: 4401

Re: How am I doing? -- 32 y/o lawyer in Bay Area

Looks like you’re doing amazingly well at a young age. :moneybag :moneybag :moneybag

One minor tweak to consider: decrease the non-Boglehead position and convert those funds to cash equivalents for upcoming expenses.
by Compound
Sat Sep 08, 2018 10:41 pm
Forum: Investing - Theory, News & General
Topic: Why Bull Markets Are Dangerous
Replies: 152
Views: 19178

Re: Why Bull Markets Are Dangerous

What a great post! Thank you for sharing. Nice reminder to stay the course.
by Compound
Wed Sep 05, 2018 6:23 pm
Forum: Personal Finance (Not Investing)
Topic: Sell our new home to downsize
Replies: 37
Views: 3499

Re: Sell our new home to downsize

<r><QUOTE author="RegDunlopCPA" post_id="4103805" time="1536109216" user_id="117577"><s> </s> <r>We recently built a new 4 BR home in a great school district where the payment is roughly 30-35% of our monthly income, value is 2.5x HHI. We have one child already in daycare @ $1k/ month and currently ...
by Compound
Sun Sep 02, 2018 3:06 am
Forum: Investing - Help with Personal Investments
Topic: Portfolio Review - Please
Replies: 3
Views: 531

Re: Portfolio Review - Please

No red flags. Looks like you’re doing great! Keep saving! :beer
by Compound
Fri Aug 31, 2018 9:20 am
Forum: Personal Consumer Issues
Topic: Looking for a good Moving Company. All have awful reviews.
Replies: 21
Views: 1012

Re: Looking for a good Moving Company. All have awful reviews.

Been a while since I’ve moved, but last time I did I used this website — https://www.movingscam.com — and found it to be very helpful in selecting a mover. You may want to check it out.
by Compound
Sun Aug 26, 2018 7:32 pm
Forum: Personal Consumer Issues
Topic: What to put in a care package for college student
Replies: 44
Views: 2747

Re: What to put in a care package for college student

Money, food, and a note.

He just started college. Being reminded that he’s loved at home can be quite warming in what can be a confusing time.
by Compound
Sat Aug 25, 2018 7:55 pm
Forum: Investing - Help with Personal Investments
Topic: Rebalancing 2018
Replies: 16
Views: 1854

Re: Rebalancing 2018

Seems like your son started you off correctly. You just need to “stay the course.” Rebalance from stocks to bonds (using the two funds you already have) to return to your target 60/40 asset allocation. Don’t fall prey to “performance chasing.” This is to say those returns you’re seeing on those othe...
by Compound
Sat Aug 25, 2018 7:34 am
Forum: Investing - Help with Personal Investments
Topic: Take pension immediately upon retirement, or use 457 funds?
Replies: 36
Views: 1705

Re: Take pension immediately upon retirement, or use 457 funds?

Seems the risk here is political risk. If someone targets that pension system at some point, you could see a change. Unlikely risks aside, wow does this look like an amazing spot to be in!
by Compound
Sun Aug 19, 2018 4:39 pm
Forum: Personal Finance (Not Investing)
Topic: Please review my finances
Replies: 6
Views: 781

Re: Please review my finances

Compound, thanks for the advice. I'm in agreeance about your points on saving. I'll keep those balances in the low ER environment. I went back and checked the doc... Its actually a 7/1 ARM :oops:. The terms are LIBOR + 2.5% so if it were to reset today it would jump from 3.375% ->4.125%. It would b...
by Compound
Sun Aug 19, 2018 2:34 pm
Forum: Investing - Help with Personal Investments
Topic: Finance advice for 35 year old trying to plan ahead
Replies: 8
Views: 1674

Re: Finance advice for 35 year old trying to plan ahead

Since you can foresee using that $60k in the not too distant future (i.e. next 5 or so years), I’d suggest keeping it parked. Or possibly split off a portion not needed for emergency fund purposes, and park that in a CD to get a higher interest rate. Given your current net worth, that outlay to your...
by Compound
Sun Aug 19, 2018 2:16 pm
Forum: Personal Finance (Not Investing)
Topic: Please review my finances
Replies: 6
Views: 781

Re: Please review my finances

Sounds like you and your wife are getting your personal finance house in order — way to go! 1. How much of an emergency fund are you planning on? Is this to protect against job loss or do you project a major life change or purchase upcoming? Seems to me that beefing up the emergency fund should be a...
by Compound
Sun Aug 19, 2018 12:19 pm
Forum: Investing - Help with Personal Investments
Topic: Backdoor Roth IRA Conversion with Possible IRA Aggregation Rule
Replies: 4
Views: 493

Re: Backdoor Roth IRA Conversion with Possible IRA Aggregation Rule

So it seems you contributed $5000 after tax dollars to a traditional IRA in 2012 and have $4600 of earnings in that account and now you’d like to perennially contribute to a backdoor Roth. If you don’t have a employer sponsored plan to roll those earnings into or if you don’t mind paying tax on the ...
by Compound
Thu Aug 16, 2018 4:32 pm
Forum: Investing - Help with Personal Investments
Topic: High tax bracket - Go 100% Roth in tax advantaged?
Replies: 47
Views: 4135

Re: High tax bracket - Go 100% Roth in tax advantaged?

For your non-govt 457, make sure the distribution options are ok. I had one where you had to take a lump sum upon termination which was not going to be favorable with regards to taxes. Blue Man Agreed. OP could be in for a big surprise if they don’t know their non-government 457 plan rules well.
by Compound
Sun Jul 22, 2018 1:53 pm
Forum: Investing - Help with Personal Investments
Topic: 529 strategy?
Replies: 17
Views: 1181

Re: 529 strategy?

My kiddo is 1.5 years old. Won’t a 529 give me a better return (at least in theory) vs saving the money myself? My top choices were New York, Nevada, Ohio, Utah. These all had good reviews and weren’t too expensive Yep. These are good plans to consider. (I personally hadn’t heard of Ohio being good...
by Compound
Sun Jul 22, 2018 1:51 pm
Forum: Investing - Help with Personal Investments
Topic: 529 strategy?
Replies: 17
Views: 1181

Re: 529 strategy?

Hi Everyone, Thinking about starting a 529 plan soon, just not sure exactly which plan to use. I currently live in a state that doesn't allow 529 contributions to be deducted, so that's out. Looking for low fees is a given, as is a directly sold plan. Scanning all the state's plans online, I've fou...
by Compound
Sun Jul 22, 2018 11:08 am
Forum: Investing - Theory, News & General
Topic: I may have understood why it's so hard to save and invest
Replies: 75
Views: 11349

Re: I may have understood why it's so hard to save and invest

Thanks for all your answers, fortunately I am only 24 so I have time for my money to compound ! Just difficult to see my friend spending money on clothes, holidays and me buying shares of S&P500 ETFs ahah Yes, seeing what friends and colleagues are doing can be a challenge at times — especially whe...
by Compound
Mon Jul 16, 2018 11:57 pm
Forum: Personal Finance (Not Investing)
Topic: Buy a vacation home while renting
Replies: 61
Views: 4073

Re: Buy a vacation home while renting

Welcome to the forum. Add me to the developing chorus of “no” votes. Doesn’t make sense to me to go this route. Seems like in the best case scenario you’d have a low profit margin (property management would take chunk of the potential profit). Of course, there are many worse scenarios that could go ...
by Compound
Sat Jul 14, 2018 10:27 pm
Forum: Investing - Theory, News & General
Topic: [Backdoor Roth IRA - Forbes: IRS Unlocks The 'Door' For High-Income Savers]
Replies: 7
Views: 1578

Re: [Backdoor Roth IRA - Forbes: IRS Unlocks The 'Door' For High-Income Savers]

Readers of this thread may want to consider a prior discussion of the implications of the TCJA on the Backdoor Roth:

viewtopic.php?f=10&t=238910&p=3736183&h ... r#p3736183

How authoritative is the IRS person who is referenced in the current thread?
by Compound
Sat Jul 14, 2018 10:16 pm
Forum: Personal Consumer Issues
Topic: Be Careful Using Mailboxes
Replies: 62
Views: 9137

Re: Be Careful Using Mailboxes

It's recommended to use a gel pen when writing checks. Hadn’t heard this before. Does the gel ink not wash out? I've read this several places, for instance here: http://www.ckfraud.org/washing.html From the last paragraph: WHAT TYPE OF PEN TO USE WHEN WRITING A CHECK: If you are a ballpoint pen lov...
by Compound
Sat Jul 14, 2018 7:51 am
Forum: Investing - Help with Personal Investments
Topic: What to do with extra $2500 a month?????
Replies: 36
Views: 3315

Re: What to do with extra $2500 a month?????

I am still confused on what to do :) Based on the additional comments from you, divert the $2.5k monthly to the boat loan and then you have another year or eighteen months to figure out what to do with $2. 75 k after that. That's a guaranteed 3.99% return, much better than any other comparably safe...
by Compound
Sat Jul 14, 2018 7:11 am
Forum: Personal Consumer Issues
Topic: Be Careful Using Mailboxes
Replies: 62
Views: 9137

Re: Be Careful Using Mailboxes

AAA wrote:
Fri Jul 13, 2018 5:56 pm
It's recommended to use a gel pen when writing checks.
Hadn’t heard this before. Does the gel ink not wash out?
by Compound
Fri Jul 13, 2018 9:24 pm
Forum: Investing - Theory, News & General
Topic: COMING SOON: BOGLEHEADS PODCASTS
Replies: 362
Views: 18501

Re: COMING SOON: BOGLEHEADS PODCASTS

I just want an autographed copy of Taylor's book. :sharebeer Taylored Investing Victoria 2015 Bogleheads contest winner and now clearly jonesing to be the Podcast naming contest winner. (Just having a little fun. I truly admire the whit you bring to these forums. In fact, when I first started readi...
by Compound
Fri Jul 13, 2018 9:17 pm
Forum: Investing - Theory, News & General
Topic: COMING SOON: BOGLEHEADS PODCASTS
Replies: 362
Views: 18501

Re: COMING SOON: BOGLEHEADS PODCASTS

Another vote for Bogleheads or Bogleheads Podcast , or something to that effect. Longer, more descriptive titles are unnecessary and can be limiting. 1. One of the most popular ways people download podcasts is through Stitcher. Here is a list of the 100 most popular podcasts on that platform: https...
by Compound
Fri Jul 13, 2018 5:28 pm
Forum: Investing - Theory, News & General
Topic: COMING SOON: BOGLEHEADS PODCASTS
Replies: 362
Views: 18501

Re: COMING SOON: BOGLEHEADS PODCASTS

The more I think about this issue, the more I wonder why we aren’t sticking to a key principle that is commonly touted here on the forums: simplicity. As such, I think the podcast should reflect that shared core value. I’d suggest revisiting the idea of naming the podcast as: Bogleheads When I look ...
by Compound
Thu Jul 12, 2018 6:47 pm
Forum: Investing - Theory, News & General
Topic: COMING SOON: BOGLEHEADS PODCASTS
Replies: 362
Views: 18501

Re: COMING SOON: BOGLEHEADS PODCASTS

Compound wrote:
Thu Jul 12, 2018 6:32 pm
Finance made simple
by the Bogleheads
Hosted by Rick Ferri
Or perhaps open up the branding to allow for a series of podcasts in case it ever came to that. Such as,

Finance Made Simple: A Bogleheads Podcast
Guide to Retirement: A Bogleheads Podcast
Careful Consumption: A Bogleheads Podcast
by Compound
Thu Jul 12, 2018 6:32 pm
Forum: Investing - Theory, News & General
Topic: COMING SOON: BOGLEHEADS PODCASTS
Replies: 362
Views: 18501

Re: COMING SOON: BOGLEHEADS PODCASTS

Finance made simple
by the Bogleheads
Hosted by Rick Ferri
by Compound
Thu Jul 12, 2018 5:22 pm
Forum: Investing - Theory, News & General
Topic: COMING SOON: BOGLEHEADS PODCASTS
Replies: 362
Views: 18501

Re: COMING SOON: BOGLEHEADS PODCASTS

Diehard Bogleheads
Bogleheads live soft
by Compound
Thu Jul 12, 2018 5:16 pm
Forum: Investing - Theory, News & General
Topic: COMING SOON: BOGLEHEADS PODCASTS
Replies: 362
Views: 18501

Re: COMING SOON: BOGLEHEADS PODCASTS

Way over the word limit, but...

Bogleheads — you simply must know Jack
by Compound
Thu Jul 12, 2018 4:28 pm
Forum: Investing - Theory, News & General
Topic: COMING SOON: BOGLEHEADS PODCASTS
Replies: 362
Views: 18501

Re: COMING SOON: BOGLEHEADS PODCASTS

This is so exciting! Can’t wait for the Podcast! Some suggestions for the title: The Bogleheads Way Bogleheads Investing (+\-Show) Path of the Bogleheads Many Roads to Dublin: Bogleheads (I know, the last two are over the three word requirement) Bogleheads Unite This Bogleheads Life Bogleheads Inves...
by Compound
Mon Jul 09, 2018 8:30 pm
Forum: Investing - Help with Personal Investments
Topic: Any Dry Powder Strategies?
Replies: 103
Views: 6367

Re: Any Dry Powder Strategies?

Nearing retirement and feeling FI I have bottomed out my equity allocation and expect it to have a rising guide path, at least in the early years of retirement. As a results, I have more or less ended up with dry powder. My intention going forward had been to add new contributions between here and ...
by Compound
Sun Jul 08, 2018 3:40 pm
Forum: Personal Consumer Issues
Topic: What methods are you using to deterimine price to offer on new cars
Replies: 15
Views: 1516

Re: What methods are you using to deterimine price to offer on new cars

E-mail dealers and ask them for an out-the-door price (including all taxes, fees etc.) on the exact vehicle you are looking at. You can take the best offer or have them start negotiating against each other as outlined here: https://www.bogleheads.org/forum/viewtopic.php?t=124638 One other note, whe...
by Compound
Fri Jun 22, 2018 4:56 pm
Forum: Personal Finance (Not Investing)
Topic: Mid career retirement planning, HCOL area
Replies: 9
Views: 1939

Re: Mid career retirement planning, HCOL area

Hi Compound, Regarding the contributions for my 529: I was planning 4y private colleges for both of my kids . The on-line calculators recommend this savings rate. I actually think I am behind for my 1st child as I have not "front-loaded" the 529 contributions enough to derive maximum benefit. JPM W...
by Compound
Thu Jun 21, 2018 8:06 pm
Forum: Personal Finance (Not Investing)
Topic: Mid career retirement planning, HCOL area
Replies: 9
Views: 1939

Re: Mid career retirement planning, HCOL area

1. I don’t think your retirement savings are behind at all! You have over 3/4 of a million dollars and have only been working and accumulating for less than a decade. To boot, you paid off your loans during that time period and have accumulated substantial equity in your home. That’s amazing! I thin...
by Compound
Thu Jun 21, 2018 7:35 pm
Forum: Personal Finance (Not Investing)
Topic: back door roth ira - is it worth it for me?
Replies: 7
Views: 766

Re: back door roth ira - is it worth it for me?

mhc wrote:
Thu Jun 21, 2018 5:14 pm
Welcome to the forum!

Can you move the IRA to a 401k? If so, that would open the backdoor.
This. If this option is not available, then forget the backdoor Roth.
by Compound
Thu Jun 21, 2018 7:34 pm
Forum: Personal Finance (Not Investing)
Topic: Student Loan Help
Replies: 17
Views: 1541

Re: Student Loan Help

Have you looked into refinancing at least the higher interest loans? What kind of offers did you get?
by Compound
Thu Jun 21, 2018 7:13 pm
Forum: Investing - Help with Personal Investments
Topic: Funds allocations for taxable account and IRA.
Replies: 5
Views: 497

Re: Funds allocations for taxable account and IRA.

Hello. I am currently waiting to attend graduate school. When I graduate, my estimated yearly income should be around 175-250k. I am seeking advice to decide which funds I should get for my taxable account. My employer doesn’t provide 401k. However, I already maxed out my 2018 IRA. I’m looking to i...
by Compound
Thu Jun 21, 2018 7:03 pm
Forum: Investing - Help with Personal Investments
Topic: Poke holes in our plan! Newbie here, need advice.
Replies: 9
Views: 894

Re: Poke holes in our plan! Newbie here, need advice.

I’d suggest putting the additional monies into the 403b vehicle. I would assume you will retire into a lower tax bracket and would thus come out ahead. Since you don’t really have any short term or medium term need for the funds, I fail to see the logic of bypassing using a tax advantaged account. I...
by Compound
Thu Jun 21, 2018 6:42 pm
Forum: Investing - Theory, News & General
Topic: Are mutual funds safer than ETFs?
Replies: 15
Views: 1889

Re: Are mutual funds safer than ETFs?

I’m not ETF expert, but it seems to me that mutual funds are the simpler instrument, but not by a lot. Index mutual funds are bought and sold at one fixed price at the end of the day. If you trade ETFs there is more choice in that one can trade during the day, but what comes with that is more opport...
by Compound
Thu Jun 21, 2018 6:36 pm
Forum: Investing - Help with Personal Investments
Topic: Age 30 portfolio review
Replies: 4
Views: 1000

Re: Age 30 portfolio review

How about focus on paying off those loans even faster? Redirect the money you are currently putting into taxable to loan repayment and take the guaranteed 4.5% interest rate. Then go back to taxable plus the backdoor Roth. (FWIW at a 4.5% loan rate I’d probably contribute to the Roth now and put eve...
by Compound
Tue Jun 19, 2018 8:21 pm
Forum: Investing - Help with Personal Investments
Topic: Yikes! EX-hubby died and left me and four children money
Replies: 5
Views: 2657

Re: Yikes! EX-hubby died and left me and four children money

WE all set up Vanguard Accounts now what? It's not a huge amount but would like to maximize it for myself and adult kiddos. I'm 46 with 72,000 in an IRA with Vanguard not invested yet. He left me an life insurance of 140,000 (I paid off the house I bought at the bottom of CA housing market in 2012)...
by Compound
Sat Jun 16, 2018 10:47 pm
Forum: Investing - Help with Personal Investments
Topic: MD&P just purchased X / sold Y [md&pharmacist]
Replies: 198
Views: 13330

Re: MD&P just purchased X / sold Y [md&pharmacist]

Hello, To be able to discuss additions to your portfolio we first need to understand what you currently have. Can you please complete the table below. - amount = shares - fund $XXX,XXX = XXX - VFIAX (Vanguard 500 Admiral) $XXX,XXX = XXX - VQNPX (Vanguard Growth and Income) $XXX,XXX = XXX - VWNDX (V...