Search found 20 matches

by clayr361
Wed Mar 23, 2016 10:11 am
Forum: Local Chapters and Bogleheads Community
Topic: New Woodlands, Texas Local Chapter
Replies: 21
Views: 3367

Re: The Woodlands, Texas Chapter?

Did anything ever happen with this? I am in The Woodlands also and would be interested in attending.
by clayr361
Wed Mar 23, 2016 10:03 am
Forum: Investing - Theory, News & General
Topic: The Next 40 Years
Replies: 35
Views: 4341

Re: The Next 40 Years

For those that have invested for the past 30+ years and are now in a safer allocation. How would you feel about future gains if you were just starting out today? Have you ever had the same feelings I do now in the past? I haven't been doing this for 30+ years but only 23 years (started investing at...
by clayr361
Tue Mar 22, 2016 3:20 pm
Forum: Investing - Theory, News & General
Topic: The Next 40 Years
Replies: 35
Views: 4341

Re: The Next 40 Years

What is your reason for being so conservative on your allocation? Unless you don't think 75/25 is conservative I guess. I think most models would say you should be 80%+ stocks in your early 30's. Not saying your allocation is wrong, just questioning. I personally am 90%+ stocks and plan to be that ...
by clayr361
Tue Mar 22, 2016 3:08 pm
Forum: Investing - Theory, News & General
Topic: The Next 40 Years
Replies: 35
Views: 4341

Re: The Next 40 Years

I figure very low real returns in my calculations (1-2%), and then I'll be pleasantly surprised if I'm wrong. (In one direction; in the other direction and there will be bigger things to worry about!) And hey, I'm 30 like you. It sounds like you're saving way more than we are (not close to maxing 4...
by clayr361
Tue Mar 22, 2016 3:03 pm
Forum: Investing - Theory, News & General
Topic: The Next 40 Years
Replies: 35
Views: 4341

Re: The Next 40 Years

Folks my age did not know the future either back in the 1970s. If you look back, the stock market didn't do so well in the 1960's and 1970's, did it? Also note that if everyone is getting the same returns, then it really doesn't matter what those returns are. The savers/investors will always be bet...
by clayr361
Tue Mar 22, 2016 2:56 pm
Forum: Investing - Theory, News & General
Topic: The Next 40 Years
Replies: 35
Views: 4341

Re: The Next 40 Years

My wife and I are 30 as well and we are extremely optimistic about the next 40 years. There are a couple billion people on Earth waiting for their chance to earn a middle class lifestyle, plenty of opportunity for growth. Regardless, we are currently on track to reach FI by the time we are 50 but i...
by clayr361
Tue Mar 22, 2016 2:34 pm
Forum: Investing - Theory, News & General
Topic: The Next 40 Years
Replies: 35
Views: 4341

Re: The Next 40 Years

I am in my early 30's and have had similar thoughts. However, I don't think there is any reason at this point to believe over the course of several decades there will be zero to negative returns (if I understand your post correctly). I would not doubt the potential for lower returns than the previo...
by clayr361
Tue Mar 22, 2016 2:26 pm
Forum: Investing - Theory, News & General
Topic: The Next 40 Years
Replies: 35
Views: 4341

Re: The Next 40 Years

I am early 30s myself. I try to invest 1/3 of my household income (I don't make it, probably around 25% right now but I'm still reducing debt as best I can). I have a reasonable and appropriate AA (75/25 for me, tilted towards small, value, and EM). I don't really "plan" with an expected ...
by clayr361
Tue Mar 22, 2016 10:40 am
Forum: Investing - Theory, News & General
Topic: The Next 40 Years
Replies: 35
Views: 4341

The Next 40 Years

I am 30 years old. My wife and I actively contribute a large portion of our salary to retirement savings. Most of that is in the form of Vanguard target retirement funds. I struggle with the idea that throughout the next 35-40 years until retirement age, that I will receive a good return on my inves...
by clayr361
Fri Feb 27, 2015 1:45 pm
Forum: Investing - Help with Personal Investments
Topic: Cash Equivalent Investing
Replies: 5
Views: 909

Cash Equivalent Investing

Sorry I know there are probably a lot of posts already out there for this. I am wondering what would be a good fund to put some extra cash in. I already have contributions for retirement and 529 taken care of. This money is in excess of an emergency fund and could even be part of my emergency fund. ...
by clayr361
Mon Jan 12, 2015 7:29 pm
Forum: Investing - Help with Personal Investments
Topic: Need help informing my father he is making a mistake
Replies: 58
Views: 6088

Re: Need help informing my father he is making a mistake

I'm with you 100%. Do whatever you can to turn him into a Boglehead. I'm guessing you are college educated and certainly Boglehead educated. It's likely the ML guy is not college educated and certainly not Boglehead educated. He likely has only enough education to pass a certificate test. One that ...
by clayr361
Mon Jan 12, 2015 2:26 pm
Forum: Investing - Help with Personal Investments
Topic: Need help informing my father he is making a mistake
Replies: 58
Views: 6088

Re: Need help informing my father he is making a mistake

To the people saying "if he didn't ask for your advice, don't give it to him", I must admit that line of thinking confuses me. If you have evidence and proof that there is a better option out there for someone whom you love and are close to (aka your father), then aren't you doing him a d...
by clayr361
Mon Jan 12, 2015 12:15 pm
Forum: Investing - Help with Personal Investments
Topic: Need help informing my father he is making a mistake
Replies: 58
Views: 6088

Re: Need help informing my father he is making a mistake

All good replies. I was not planning on confronting him and telling him straight up your making a mistake. I was planning more to invoke conversation to point out the problems or issues I saw and suggest alternatives. Correct with him having cash elsewhere he is not 100% stocks but with this advisor...
by clayr361
Mon Jan 12, 2015 10:40 am
Forum: Investing - Help with Personal Investments
Topic: Need help informing my father he is making a mistake
Replies: 58
Views: 6088

Need help informing my father he is making a mistake

My father knows the basics about the markets and how they work etc.. He has recently invested some money with a local Merrill Lynch rep in my hometown. I am unsure of the amount he invested but it is probably close to $100K although the amount does not really matter for the problem at hand here. The...
by clayr361
Fri Oct 03, 2014 10:45 am
Forum: Investing - Help with Personal Investments
Topic: Bond Allocation
Replies: 2
Views: 687

Bond Allocation

Alright so I know there are plenty of past articles out there and I have read through many but have not come to a conclusion. I am allocating my IRA and have the equities portion under control. I have no idea where to invest the bond portion. I am 28, going for a retirement date around 2050 am alloc...
by clayr361
Wed Sep 17, 2014 3:40 pm
Forum: Personal Finance (Not Investing)
Topic: Individual 401K Contribution Questions
Replies: 5
Views: 504

Re: Individual 401K Contribution Questions

Generally, for an Individual 401K the employer contribution is a non elective profit sharing contribution and not an elective match. From a purely tax point of view it does not matter whether pre-tax contributions are from employee deferrals or employer contributions. The only difference would be i...
by clayr361
Wed Sep 17, 2014 1:56 pm
Forum: Personal Finance (Not Investing)
Topic: Individual 401K Contribution Questions
Replies: 5
Views: 504

Individual 401K Contribution Questions

I am an independent contractor and just set up an individual 401K (with Vanguard of course). I realize I can contribute 17.5K + employer contribution of 25%. I only pay myself 24K a year. So in theory I could contribute the 17.5K + 6K employer match to equal $23,500. My question is IF I do not contr...
by clayr361
Tue Aug 26, 2014 3:32 pm
Forum: Local Chapters and Bogleheads Community
Topic: Master Thread for Austin Texas area Bogleheads
Replies: 56
Views: 14373

Re: Master Thread for Austin Texas area Bogleheads

Does anyone know if there is an active Bogleheads community in the Houston area? If not, anyone interested is starting one? I am interested in the same. I did some digging in the local chapter forum and it seems Houston has never had any regular meet ups. A few over the past 2 years but nothing ong...
by clayr361
Wed Aug 20, 2014 2:33 pm
Forum: Investing - Help with Personal Investments
Topic: Personal Finances
Replies: 9
Views: 1782

Re: Personal Finances

The age old question of Roth vs traditional basically boils down to whether you think your tax rate is higher now than it will be during your retirement years. If you think the rate is higher now, defer paying the bill (i.e. go with a traditional account). If you think the rate will be higher in re...
by clayr361
Wed Aug 20, 2014 9:31 am
Forum: Investing - Help with Personal Investments
Topic: Personal Finances
Replies: 9
Views: 1782

Personal Finances

I am 28, wife is 27, first kid on the way in January. We live in Texas, so no state tax. Our AGI for last year was 139K. Should be close to 155K - 165K this year. I am an independent contractor and run my business through an LLC. We have health insurance though my wife's company. Wife gets an 8% mat...