Search found 324 matches
- Sat May 02, 2020 10:46 am
- Forum: Personal Investments
- Topic: 26 Y.O. Portfolio Review
- Replies: 21
- Views: 1593
Re: 26 Y.O. Portfolio Review
Questions: 1. Her employer offers a Roth 401(k) or a Traditional 401(k). Recently been splitting contributions between the two and maxing out contributions each year. I wanted to contribute equally to both to hedge my bets. However due to high income taxes and age would it make more sense to choose...
- Sun Apr 26, 2020 10:34 am
- Forum: Personal Investments
- Topic: Is there a maximum one should keep at one brokerage firm?
- Replies: 25
- Views: 1748
Re: Is there a maximum one should keep at one brokerage firm?
No reason unless it gives you some comfort.
Another thing to consider. More brokerages, means more accounts, means more usernames, means more passwords, means more things to manage...etc etc.
Another thing to consider. More brokerages, means more accounts, means more usernames, means more passwords, means more things to manage...etc etc.
- Thu Apr 23, 2020 5:55 pm
- Forum: Personal Investments
- Topic: Highest yield on a safe 3 year investment of 25K
- Replies: 12
- Views: 1349
Re: Highest yield on a safe 3 year investment of 25K
Hi Mike,
I would recommend either a high yield savings account or a no penalty CD.
I like to use bankrate.com to find out what the various banks are offering in terms of rates for these types of accounts.
Best,
Ace
I would recommend either a high yield savings account or a no penalty CD.
I like to use bankrate.com to find out what the various banks are offering in terms of rates for these types of accounts.
Best,
Ace
- Mon Apr 06, 2020 4:25 pm
- Forum: Personal Investments
- Topic: Tips on how to stop checking finances too often?
- Replies: 29
- Views: 1499
Re: Tips on how to stop checking finances too often?
Maybe this'll work: Mark it on your calendar giving yourself a date to check your account. It may be knowing you have set dates you'll look could be enough to stop you from peeking at it as often. This is exactly what I do and it helps (1st of the month). Or whenever I get an itch to check I come t...
- Mon Apr 06, 2020 12:08 pm
- Forum: Personal Investments
- Topic: 31yo Looking for Review + Questions
- Replies: 5
- Views: 564
Re: 31yo Looking for Review + Questions
Thank you for the information! 4. You were told wrong. Bonds don't always go up. They just tend to have less volatility than stocks, not zero volatility. 5. Yes. Holding more cash makes sense to me if you have ANY doubts about your future income stream. In my opinion, better to hold more cash and a...
- Sun Apr 05, 2020 10:14 am
- Forum: Personal Investments
- Topic: Seasoned Bogleheads; What 3 Things Have You Done Financially Related to the Economy Recently
- Replies: 112
- Views: 11495
Re: Seasoned Bogleheads; What 3 Things Have You Done Financially Related to the Economy Recently
OP, Had our wills and trust reviewed. Amended them to close a few gaps. Quadrupled donations to charities that feed and care for people in crisis Worked with an importer to source KN95 masks and coordinated donations to our area hospitals WoodSpinner There needs to be more people in this world like...
- Sun Apr 05, 2020 9:12 am
- Forum: Personal Investments
- Topic: New Boglehead Requesting Review
- Replies: 2
- Views: 220
Re: New Boglehead Requesting Review
Hi, I am wondering: 1. Is it odd that I have chosen real estate as a heavy portion of my asset allocation? I assume given my age it is a more aggressive version of fixed income with inflation protection, but more volatility? Should I be holding actual bond exposure instead? 2. Should I reconsider m...
- Sun Apr 05, 2020 8:54 am
- Forum: Personal Investments
- Topic: Where to park a house fund?
- Replies: 21
- Views: 2024
Re: Where to park a house fund?
I would keep it in cash at a high yield savings account.
No reason to risk principal loss...
No reason to risk principal loss...
- Sat Apr 04, 2020 7:57 pm
- Forum: Personal Investments
- Topic: Layered Emergency Fund
- Replies: 30
- Views: 2797
Re: Layered Emergency Fund
Personally my EF is set up as: 9 months of cold hard cash in a savings account 4 months in VWITX & VWAHX With the recent virus stuff and some risk to my job, I'm debating just selling out of the bond funds and keeping 1 year in cash. Just depends on what will help you sleep at night. No penalty ...
- Sat Apr 04, 2020 3:05 pm
- Forum: Personal Investments
- Topic: 31yo Looking for Review + Questions
- Replies: 5
- Views: 564
Re: 31yo Looking for Review + Questions
Thank you for the information! 4. You were told wrong. Bonds don't always go up. They just tend to have less volatility than stocks, not zero volatility. 5. Yes. Holding more cash makes sense to me if you have ANY doubts about your future income stream. In my opinion, better to hold more cash and ac...
- Sat Apr 04, 2020 11:43 am
- Forum: Personal Investments
- Topic: 31yo Looking for Review + Questions
- Replies: 5
- Views: 564
31yo Looking for Review + Questions
Hi BHs - Looking to get a review of my portfolio. The COVID stuff has me a bit worried about job security/finances so I figured this would help me stay the course, etc. Questions below, any help/advice is always appreciated! Age: 31 New Salary: $137,000 + 5-10% bonus annually Marital Status: Single ...
- Sat Apr 04, 2020 9:25 am
- Forum: Personal Investments
- Topic: Blessed with a large bonus.. Save or Invest???
- Replies: 37
- Views: 3473
Re: Blessed with a large bonus.. Save or Invest???
if you have any fear of losing your job I would pay off the mortgage and then hold the rest as cash.
Wait until this whole thing cools off and then invest that cash amount, if unused, into the market or even beef up the 529 plans for your children.
Wait until this whole thing cools off and then invest that cash amount, if unused, into the market or even beef up the 529 plans for your children.
- Thu Apr 02, 2020 3:30 pm
- Forum: Investing - Theory, News & General
- Topic: Speculating on Oil/Gasoline
- Replies: 20
- Views: 1062
Re: Speculating on Oil/Gasoline
you might want to read this post from 2015: https://www.bogleheads.org/forum/viewtopic.php?f=1&t=155164 it's fun to read people's thoughts from the past to see how they square (or not) with the present and/or future. For instance, this one (from 2015): I hold both Exxon and Chevron in my stock ...
- Sun Mar 29, 2020 8:00 pm
- Forum: Personal Investments
- Topic: Lump sum or DCA $30,000 in a volatile market?
- Replies: 43
- Views: 2828
Re: Lump sum or DCA $30,000 in a volatile market?
$1000/weekly until you're done 

- Mon Mar 23, 2020 9:27 pm
- Forum: Personal Investments
- Topic: 100 percent stock investors: any of you adding bonds now?
- Replies: 51
- Views: 3718
Re: 100 percent stock investors: any of you adding bonds now?
I'll just let my target date fund decide for me
No stress, no mess, and best of all no mistakes

No stress, no mess, and best of all no mistakes
- Sat Mar 21, 2020 5:56 pm
- Forum: Personal Investments
- Topic: Guys I Rebalanced (Moved Monies Out Of S&P 500)
- Replies: 301
- Views: 18716
Re: Guys I Rebalanced (Moved Monies Out Of S&P 500)
I think someone is just bored at home and needs a thread to chat with other BHs about market timing. :P I think I lost like $50k just in March (only looked out of curiosity). I'm 31 and that's like 40% of my net worth... still buying on a weekly basis :D To quote a great investor... "Be fearful...
- Fri Feb 22, 2019 7:09 pm
- Forum: Personal Finance (Not Investing)
- Topic: New Job + 30 + Yearly Check In
- Replies: 6
- Views: 952
Re: New Job + 30 + Yearly Check In
Wow you are where I want to be at at 30 ! Currently 27, NW 50K and single... I doubt I'll get married by 30 (due to being single currently) but at least I think I can hit your NW ! Thanks! You'll get there, just follow the advice on the forum and keep grinding! Awesome job saving for your future! I...
- Fri Feb 22, 2019 2:24 pm
- Forum: Personal Finance (Not Investing)
- Topic: New Job + 30 + Yearly Check In
- Replies: 6
- Views: 952
Re: New Job + 30 + Yearly Check In
hmm... My thoughts: 1) if you put $$ into the 401k, your AGI will be less than the ROTH limits and you would be fine. 2) see #1 - put $$ into your 401k even without the match. Why would you give up pre-tax space now? 3) if you are really wanting to buy a house - start living on the "post house...
- Fri Feb 22, 2019 7:51 am
- Forum: Personal Finance (Not Investing)
- Topic: New Job + 30 + Yearly Check In
- Replies: 6
- Views: 952
New Job + 30 + Yearly Check In
Hi BHs, Couple big things have happened in my life, so I wanted to check in and see where I stand. Recently turned 30, got engaged, and started a new job this month. Below are the metrics and the questions I have. Thanks in advance for any advice! Age: 30 New Salary: $129,000 + $10,000 (sign-on bonu...
- Wed Aug 15, 2018 2:30 pm
- Forum: Personal Finance (Not Investing)
- Topic: Almost 30 - Check In
- Replies: 33
- Views: 4348
Re: Almost 30 - Check In
I agree with most of the previous posts in that $15k is way too much but if you decide to go down that path do lots of research on diamonds and learn how to use a jeweler’s microscope. It is a common practice for jewelers to sell flawed diamonds for an inflated price. At the very least you might be...
- Tue Aug 14, 2018 3:23 pm
- Forum: Personal Finance (Not Investing)
- Topic: Almost 30 - Check In
- Replies: 33
- Views: 4348
Re: Almost 30 - Check In
Update about the ring. Thanks for the feedback everyone!
- Mon Aug 13, 2018 8:56 pm
- Forum: Personal Finance (Not Investing)
- Topic: Almost 30 - Check In
- Replies: 33
- Views: 4348
Re: Almost 30 - Check In
15K for a ring? That is insane. The average person spends around 6K. Here is a little marriage advice (married 18 yrs). Treat your bride good and don’t be too cheap. However, if you start out too high then you just raised expectations for future purchases. That is one heck of an engagement ring con...
- Mon Aug 13, 2018 8:27 pm
- Forum: Personal Finance (Not Investing)
- Topic: Almost 30 - Check In
- Replies: 33
- Views: 4348
Almost 30 - Check In
Hi BHs, Turning 30 in a few months and haven't checked in a while. Just wanted a review of my current plan as things have changed over the last few years. Moved from DC to LA this year, moved in with girlfriend (soon to buy engagement ring), etc. Below are all the details with questions: Age: 29 Sal...
- Mon Jul 03, 2017 11:47 am
- Forum: Personal Finance (Not Investing)
- Topic: Down Payment vs. 401k
- Replies: 21
- Views: 2142
Re: Down Payment vs. 401k
If you are saving for a down payment, I would suggest contributing the minimum to the 401(k) to get the employer match, and saving more for the down payment to get 20%. The advantage is that by paying 20% down when you do buy the house, you will have smaller mortgage payments, and will be able to c...
- Sun Jul 02, 2017 5:49 pm
- Forum: Personal Finance (Not Investing)
- Topic: First six months savings review
- Replies: 8
- Views: 1497
Re: First six months savings review
Good Job!Mr.BB wrote:I usually don't discuss our finances with most people, (except for this board). But I had to tell someone my happy news!
I just finished doing a 6 month review of our savings and spending this year. So far YTD we have able to save 43.5% of our money!

- Sun Feb 19, 2017 11:23 pm
- Forum: Personal Investments
- Topic: Why own individual stocks?
- Replies: 103
- Views: 13495
Re: Why own individual stocks?
I knew nothing about index funds when I purchased Mcdonalds ,WalMart and Coke,about 25 years ago. I purchased them for Growth of Capital and Income. Fortunately they have provided both. :mrgreen: I I started with these plus XOM and JNJ (3 years ago(.... wish I knew about about index funds a few yea...
- Sun Feb 19, 2017 11:21 pm
- Forum: Personal Finance (Not Investing)
- Topic: Advice for my Age - 28
- Replies: 21
- Views: 3136
Re: Advice for my Age - 28
I'm the same age recommend the following:
1) Max out that TSP
2) Enjoy life

1) Max out that TSP
2) Enjoy life

- Sun Jan 01, 2017 6:27 pm
- Forum: Investing - Theory, News & General
- Topic: REGISTRATION FOR THE 2017 BOGLEHEAD CONTEST
- Replies: 711
- Views: 47814
- Wed Dec 07, 2016 9:40 am
- Forum: Personal Finance (Not Investing)
- Topic: Feel like I'm spending more even though I'm saving more
- Replies: 39
- Views: 4995
Re: Feel like I'm spending more even though I'm saving more
Great thanks everyone who provided input! Factoring in everyone's comments and opinions, I think starting next year I'll reduce that discretionary spending bucket from $900 to $700 and increase my savings and vacation buckets by $100 each. Once I get to maybe 10k in my vacation fund I'll increase my...
- Sun Dec 04, 2016 1:50 pm
- Forum: Personal Finance (Not Investing)
- Topic: Feel like I'm spending more even though I'm saving more
- Replies: 39
- Views: 4995
Feel like I'm spending more even though I'm saving more
So Bogleheads every since I started maxing out my 401k, IRA, and HSA accounts, I've had this mentality that I can spend my remaining paycheck freely and almost recklessly. In my mind if I max these accounts, I will be fine in the future, so why not spend everything else I make? I'm wondering if anyo...
- Mon Nov 21, 2016 7:36 pm
- Forum: Personal Finance (Not Investing)
- Topic: Do you track your net worth? How long have you done so?
- Replies: 110
- Views: 15136
Re: Do you track your net worth? How long have you done so?
Yup, since 2013 almost at 3 years now. I check the first of every month because it helps me stay motivated
- Mon Aug 15, 2016 8:43 pm
- Forum: Personal Finance (Not Investing)
- Topic: Mid Year Check In
- Replies: 5
- Views: 1277
Re: Mid Year Check In
Sorry I'm doing 18k to the 401k. What do you mean 2k less for the HSA ?Strayshot wrote:Good job! You are like a textbook case study for how to do things right.
Only thing I am curious about is why 16k and not 18k to the 401k and just contribute 2k less to the HSA?
- Thu Aug 11, 2016 5:46 pm
- Forum: Personal Finance (Not Investing)
- Topic: Mid Year Check In
- Replies: 5
- Views: 1277
Mid Year Check In
Hi all, Looking to do a mid year check in with everyone here. Below is an older post and updated stats: https://www.bogleheads.org/forum/viewtopic.php?f=1&t=174995&p=2650835#p2650835 Emergency funds: Yup Debt: None Tax Filing Status: Single Tax Rate: 25% Federal, 8% State State of Residence:...
- Sat Jul 23, 2016 9:51 am
- Forum: Personal Finance (Not Investing)
- Topic: Networth = Age x Pretax income then divide by 10?
- Replies: 49
- Views: 12968
Re: Networth = Age x Pretax income then divide by 10?
This can't be a reliable calculation...
Age: 27
Pretax Income: ~$80,000
(27*80,000)/10 = $216,000
My NW is about half that and I thought I was ahead of the game....
Age: 27
Pretax Income: ~$80,000
(27*80,000)/10 = $216,000
My NW is about half that and I thought I was ahead of the game....

- Sun Jul 03, 2016 8:55 am
- Forum: Personal Investments
- Topic: Starting the Investment Journey
- Replies: 9
- Views: 1249
Re: Starting the Investment Journey
Hello all. Recently started a new job and I am now eligible for the company 401(k) plan through Vanguard. I wanted get the opinion of those more experienced and knowledgeable then myself and get headed down the right investing/retirement path. Thanks for any feedback, I know these questions are ask...
- Sat Apr 16, 2016 10:17 am
- Forum: Personal Finance (Not Investing)
- Topic: University of Virginia vs University of Miami
- Replies: 148
- Views: 15896
Re: University of Virginia vs University of Miami
As a recent (4 years out now) grad, I strongly recommend UVA. I recruit for my company (BIG 4) and we are specifically told to focus on only a few schools.
The undergrad degree will never come off the resume...
Best,
AceJ
The undergrad degree will never come off the resume...
Best,
AceJ
- Sun Mar 27, 2016 7:39 pm
- Forum: Personal Finance (Not Investing)
- Topic: Who should I set as my beneficiaries - Single, No kids
- Replies: 23
- Views: 6109
Who should I set as my beneficiaries - Single, No kids
Hi BHs, I just realized I don't have anyone listed as beneficiaries for my accounts. I'm single, 27, and don't have any kids. I also don't have a Will. Should i have a Will made? Other Suggestions? I'm leaning towards my parents, but does that make sense? Edit: Both parents are living (mid-60s). One...
- Sun Mar 27, 2016 7:31 pm
- Forum: Personal Finance (Not Investing)
- Topic: Raid a Roth for second home down payment or US HELOC?
- Replies: 4
- Views: 795
Re: Raid a Roth for second home down payment or US HELOC?
I don't think it ever makes sense to raid retirement accounts unless it is one of those rare extreme emergencies...
Best of luck,
AceJ
Best of luck,
AceJ
- Sat Mar 26, 2016 2:11 pm
- Forum: Personal Investments
- Topic: Best & Worst Financial Decisions?
- Replies: 92
- Views: 12618
Re: Best & Worst Financial Decisions?
Best: Listening to my dad about investing early on starting from age 24 (currently 27).
Worst: Buying a $30k car right out of college thinking I could afford it ha
Best,
AceJ
Worst: Buying a $30k car right out of college thinking I could afford it ha

Best,
AceJ
- Sun Feb 28, 2016 7:38 pm
- Forum: Personal Finance (Not Investing)
- Topic: Quitting college
- Replies: 141
- Views: 13083
Re: Quitting college
"High school graduates earn about 62% of what those with four-year degrees earn" :happy http://time.com/money/4061150/college-degree-worth-it/ +100 Even though my current job isn't related to my college degree in any way shape or form, I don't think my current employer (BIG4 consulting fi...
- Sat Feb 20, 2016 6:58 pm
- Forum: Personal Investments
- Topic: Target Retirement Fund vs. Manual
- Replies: 11
- Views: 1434
Re: Target Retirement Fund vs. Manual
+1Toons wrote:You can't beat it for simplicity.
Set it and forget it.
Automatic Rebalance
I'm 26 and only use Target Date Vanguard Fund 2060 for retirement accounts.
- Tue Feb 16, 2016 10:47 pm
- Forum: Personal Consumer Issues
- Topic: Looking for book(s) on Business Process Improvement
- Replies: 6
- Views: 710
Re: Looking for book(s) on Business Process Improvement
Look into LSS (Lean Sigma Six)
- Sun Feb 14, 2016 2:07 am
- Forum: Investing - Theory, News & General
- Topic: Should I invest anymore money- Theoretical Question
- Replies: 23
- Views: 3418
Should I invest anymore money- Theoretical Question
Hi BHs - Just a theoretical question, information is meant more for discussion then actionable. I will continue to invest based off of my investment plan :happy If I have $150,000 invested towards retirement at the age of 27 and plan to retire at 65 (38 more years of compounding), assuming an annual...
- Sat Jan 30, 2016 11:45 am
- Forum: Personal Finance (Not Investing)
- Topic: What age did you start maxing out your retirement contributions?
- Replies: 65
- Views: 7927
Re: What age did you start maxing out your retirement contributions?
26
Maxing: Roth IRA, Trad 401k, and HSA
Thanks to discovering BH a few years back and hitting the parent lottery.

Maxing: Roth IRA, Trad 401k, and HSA
Thanks to discovering BH a few years back and hitting the parent lottery.

- Wed Jan 13, 2016 7:22 pm
- Forum: Personal Investments
- Topic: Decisions: Eliminate PMI, Max 401k, or Pay Student Loans?
- Replies: 14
- Views: 2279
Re: Decisions: Eliminate PMI, Max 401k, or Pay Student Loans?
Personally I would (I'm also 26!) sell the BAC shares and pay down the car debt. Not having that $250/month commitment would be amazing from a monthly budget stand point. It could easily go towards other things....like loans.
Anyways best of luck!
AceJ
Anyways best of luck!
AceJ
- Fri Jan 01, 2016 11:10 pm
- Forum: Personal Finance (Not Investing)
- Topic: Savings % Target 2016?
- Replies: 168
- Views: 15678
Re: Savings % Target 2016?
around 30% of current salary
- Fri Jan 01, 2016 9:32 pm
- Forum: Personal Investments
- Topic: Where to Keep Down Payment $$ for 6-18 months
- Replies: 13
- Views: 2021
Re: Where to Keep Down Payment $$ for 6-18 months
who ever gives you the highest interest CD.
- Wed Dec 30, 2015 7:56 pm
- Forum: Personal Finance (Not Investing)
- Topic: What age did you hit $100,000?
- Replies: 136
- Views: 26979
Re: What age did you hit $100,000?
I love that this thread has survived about a year.
Keep the answers coming!
Thanks again,
AceJ
Keep the answers coming!
Thanks again,
AceJ
- Tue Dec 29, 2015 8:13 pm
- Forum: Personal Investments
- Topic: How should my daughter invest a $250,000 nest egg?
- Replies: 11
- Views: 3523
Re: How should my daughter invest a $250,000 nest egg?
VWITX is also an option.
- Fri Dec 25, 2015 5:20 pm
- Forum: Personal Finance (Not Investing)
- Topic: [What will you do differently in] 2016
- Replies: 62
- Views: 9705
Re: [What will you do differently in] 2016
Stick to my monthly budget !!
....I always start out strong but some where in the middle of the year I start to falter
....I always start out strong but some where in the middle of the year I start to falter
