Search found 55 matches

by nptit
Thu Nov 26, 2020 4:27 pm
Forum: Investing - Theory, News & General
Topic: Withdrawal rate for an early retirement
Replies: 400
Views: 21371

Re: Withdrawal rate for an early retirement

I believe the sub 3% people are going way overboard. It’s one thing to retire at retirement age and then figuring out you can comfortably live on 2.5% withdrawals. Retirement age doesn't matter. If OP can hit 4M by 45 and figure out they can comfortably live on 2% (80K/yr) then nothing wrong with 2...
by nptit
Tue Nov 24, 2020 11:32 pm
Forum: Investing - Theory, News & General
Topic: Withdrawal rate for an early retirement
Replies: 400
Views: 21371

Re: Withdrawal rate for an early retirement

Here's a data point for you.... When most people were perfectly comfortable with a SWR of 4% + inflation rate I retired early using a 3% guideline with no inflation adjustment (for the then foreseeable future). We were also prepared to pull in our horns should a black swan event occur, which happen...
by nptit
Tue Nov 24, 2020 11:10 pm
Forum: Investing - Theory, News & General
Topic: Withdrawal rate for an early retirement
Replies: 400
Views: 21371

Re: Withdrawal rate for an early retirement

Similar situation here, my approach would simply be 2~2.5% "constant-percentage." I'm not a big fan of SWR + inflation because (imo) it's nonsensical to withdraw the same amount after a year like 2008. Constant-percentage would automatically adjust for such events. My wife wants keep it s...
by nptit
Tue Nov 24, 2020 11:07 pm
Forum: Investing - Theory, News & General
Topic: Withdrawal rate for an early retirement
Replies: 400
Views: 21371

Re: Withdrawal rate for an early retirement

Personally, the methods I like to us is 1 divided your expected life expectancy A life expectancy table would suggest a 45 yo has 38.8 years https://www.fidelity.com/content/apps/moneymovement/rdc/14.05.1.0/pdf/Single-Life-Expectancy-Table.pdf 1/38.8 = 2.57% Without expecting to earn anything on th...
by nptit
Tue Nov 17, 2020 9:58 pm
Forum: Investing - Theory, News & General
Topic: Withdrawal rate for an early retirement
Replies: 400
Views: 21371

Withdrawal rate for an early retirement

I am doing some planning/simulation regarding early retirement say 45 years old. What would be a safe withdrawal rate for a bogleheads portfolio with an allocation of 70% (US and Intl stocks) and 30% (Bonds)? I am targeting 4 MM portfolio size with a 2% withdrawal rate yielding 80K of income each ye...
by nptit
Thu Oct 01, 2020 11:23 am
Forum: Personal Consumer Issues
Topic: how do you make your home smell good?
Replies: 84
Views: 6823

Re: how do you make your home smell good?

indoor plants, open windows, keep the house clean
by nptit
Wed Sep 30, 2020 10:02 pm
Forum: Personal Consumer Issues
Topic: So what are you cooking
Replies: 325
Views: 24451

Re: So what are you cooking

homemade tortilla, pumpkin bread, potato bread, spring roll, homemade pasta, dumpling, buns, sushi, bagel, pizza and etc. We tried to eat less processed food and tried to make food at home as much as possible
by nptit
Mon Aug 31, 2020 2:43 pm
Forum: Investing - Theory, News & General
Topic: Vanguard seems to have web online sign on problem
Replies: 145
Views: 6747

Re: Vanguard seems to have web online sign on problem

Seems to be working for me now, where it previously wasn't this morning. Was able to place a buy order as well.
by nptit
Mon Aug 31, 2020 1:08 pm
Forum: Investing - Theory, News & General
Topic: Vanguard seems to have web online sign on problem
Replies: 145
Views: 6747

Re: Vanguard seems to have web online sign on problem

I'm logged into my Fidelity account and have this message on my portfolio page: Due to high volume, you are temporarily seeing a simplified version of your summary page. Impressive, as that means there is indeed a large volume today. However, Fidelity knows how to handle it. Anyone know why there w...
by nptit
Mon Aug 31, 2020 9:37 am
Forum: Investing - Theory, News & General
Topic: Vanguard seems to have web online sign on problem
Replies: 145
Views: 6747

Re: Vanguard seems to have web online sign on problem

I am also experiencing issues this morning. Aka can't login.
by nptit
Sun Aug 16, 2020 4:28 pm
Forum: Personal Consumer Issues
Topic: Matcha green tea
Replies: 13
Views: 1224

Re: Matcha green tea

You can get it from Asian markets such as H-Mart or 99 Ranch, they have good price and variety to choose. For quality, I would recommend choose the products from Japan or Taiwan.
by nptit
Fri Aug 14, 2020 1:30 pm
Forum: Personal Finance (Not Investing)
Topic: Refinance Mega Thread
Replies: 8037
Views: 560598

Re: Refinance Mega Thread

Just got a quote from a local lender(TX), here are the details: 30 yrs fixed rate @2.625% no cost 3700 credits are given to cover all the cost loan remaining amount 440K current mortgage 15 yrs fixed rate @2.875% loan starts at 469K My ideal target rate is 2.5%, worth to wait for a bit? Which lende...
by nptit
Fri Aug 07, 2020 8:31 pm
Forum: Personal Finance (Not Investing)
Topic: Refinance Mega Thread
Replies: 8037
Views: 560598

Re: Refinance Mega Thread

Just got a quote from a local lender(TX), here are the details: 30 yrs fixed rate @2.625% no cost 3700 credits are given to cover all the cost loan remaining amount 440K current mortgage 15 yrs fixed rate @2.875% loan starts at 469K My ideal target rate is 2.5%, worth to wait for a bit?
by nptit
Fri Jul 17, 2020 9:48 am
Forum: Investing - Theory, News & General
Topic: Optimal way to fund a 529 account a with taxable account
Replies: 5
Views: 497

Re: Optimal way to fund a 529 account a with taxable account

Thanks for the responses you all. Yes, it seems a bit overkill. I'll likely redirect future contributions to the 529 on a monthly basis like a typical account.
by nptit
Thu Jul 16, 2020 7:41 pm
Forum: Investing - Theory, News & General
Topic: Optimal way to fund a 529 account a with taxable account
Replies: 5
Views: 497

Optimal way to fund a 529 account a with taxable account

Hi, Just had a newborn and thinking about the optimal way to fund a 529 account when we also have a sizable taxable account. The taxable account is a standard 3 fund portfolio at Vanguard say ~300K. My thinking is to take advantage of the tax treatment one can sell from the taxable account in market...
by nptit
Thu May 21, 2020 9:53 am
Forum: Personal Investments
Topic: Simplest way to gift shares at Vanguard
Replies: 22
Views: 1342

Re: Simplest way to gift shares at Vanguard

Out of curiosity of how this works. Is the childs account a UTMA account that the gift is going to?
by nptit
Sat May 16, 2020 4:25 pm
Forum: Personal Investments
Topic: Portfolio Question: can we achieve our FIRE goal by age 40?
Replies: 26
Views: 1871

Re: Portfolio Question: can we achieve our FIRE goal by age 40?

So two things: 1) convert 401k from old employers to TIRA. No. You're using confusing terminology. If you're talking about the current Traditional IRAs (his with VTI and VXUS and hers with VXUS) either roll them into the current 401k plans or convert them to Roth IRAs. Since her TIRA is $300 conver...
by nptit
Fri May 15, 2020 11:58 am
Forum: Personal Investments
Topic: Portfolio Question: can we achieve our FIRE goal by age 40?
Replies: 26
Views: 1871

Re: Portfolio Question: can we achieve our FIRE goal by age 40?

Hi, bogleheads users, We are here to seek some sincere advice regarding our current financial situation. Are we on track of achieving our FIRE goal by age 40? Here is our Portfolio: Emergency funds: 20K in checking, 72K in vanguard money market account Debt: mortgage 450K at 15 yrs 2.875% interest ...
by nptit
Fri May 15, 2020 11:23 am
Forum: Personal Investments
Topic: Portfolio Question: can we achieve our FIRE goal by age 40?
Replies: 26
Views: 1871

Re: Portfolio Question: can we achieve our FIRE goal by age 40?

Hi, bogleheads users, We are here to seek some sincere advice regarding our current financial situation. Are we on track of achieving our FIRE goal by age 40? Here is our Portfolio: Emergency funds: 20K in checking, 72K in vanguard money market account Debt: mortgage 450K at 15 yrs 2.875% interest ...
by nptit
Fri May 15, 2020 10:41 am
Forum: Personal Investments
Topic: Portfolio Question: can we achieve our FIRE goal by age 40?
Replies: 26
Views: 1871

Re: Portfolio Question: can we achieve our FIRE goal by age 40?

Are the TIRAs rollovers from prior employers' 401(k) plans? Why not transfer to your current 401(k)s, as they seem to have good choices (unless there are high non-MF fees)? Your wife's TIRA balance is so low, I would just go ahead and convert it into Roth. Maybe same for you, but it might be better...
by nptit
Fri May 15, 2020 10:24 am
Forum: Personal Investments
Topic: Portfolio Question: can we achieve our FIRE goal by age 40?
Replies: 26
Views: 1871

Re: Portfolio Question: can we achieve our FIRE goal by age 40?

Regarding FIRE, a lot depends on your current spending and your FIRE plans. You certainly have more than we had 30 and we will likely FIRE before 40, but we have pretty low expenses and no mortgage to offset most of our net worth. As for whether or not to invest in rental property, that depends on ...
by nptit
Fri May 15, 2020 10:22 am
Forum: Personal Investments
Topic: Portfolio Question: can we achieve our FIRE goal by age 40?
Replies: 26
Views: 1871

Re: Portfolio Question: can we achieve our FIRE goal by age 40?

I do not think FI by 40 (10 years) with a $450k mortgage and 2-3 kids is really possible. Not trying to burst your bubble. You have great incomes. If you could save $100k/year for 10 years, that is $1 million+. That would give you ~$25k for 35-40 years. Not enough really. $2 million. $3 million? Bi...
by nptit
Fri May 15, 2020 10:19 am
Forum: Personal Investments
Topic: Portfolio Question: can we achieve our FIRE goal by age 40?
Replies: 26
Views: 1871

Re: Portfolio Question: can we achieve our FIRE goal by age 40?

Hi, bogleheads users, We are here to seek some sincere advice regarding our current financial situation. Are we on track of achieving our FIRE goal by age 40? ... Questions What could we do better for our assessment allocation? Wife wants to invest in a rental property, should we consider this opti...
by nptit
Fri May 15, 2020 10:12 am
Forum: Personal Investments
Topic: Portfolio Question: can we achieve our FIRE goal by age 40?
Replies: 26
Views: 1871

Re: Portfolio Question: can we achieve our FIRE goal by age 40?

Are the TIRAs rollovers from prior employers' 401(k) plans? Why not transfer to your current 401(k)s, as they seem to have good choices (unless there are high non-MF fees)? Your wife's TIRA balance is so low, I would just go ahead and convert it into Roth. Maybe same for you, but it might be better...
by nptit
Fri May 15, 2020 9:43 am
Forum: Personal Investments
Topic: Portfolio Question: can we achieve our FIRE goal by age 40?
Replies: 26
Views: 1871

Portfolio Question: can we achieve our FIRE goal by age 40?

Hi, bogleheads users, We are here to seek some sincere advice regarding our current financial situation. Are we on track of achieving our FIRE goal by age 40? Here is our Portfolio: Emergency funds: 20K in checking, 72K in vanguard money market account Debt: mortgage 450K at 15 yrs 2.875% interest r...
by nptit
Sun Mar 29, 2020 6:29 pm
Forum: Investing - Theory, News & General
Topic: Optimal allocation amongst account types?
Replies: 3
Views: 231

Re: Optimal allocation amongst account types?

This has been asked a million times, and there isn't one answer. It depends on how much you have, current and future income, what your goals are for that money, when you retire, and probably dozens of other factors, some of which cannot be known with certainty (e.g., future tax rates). Unless you p...
by nptit
Sun Mar 29, 2020 6:08 pm
Forum: Investing - Theory, News & General
Topic: Optimal allocation amongst account types?
Replies: 3
Views: 231

Optimal allocation amongst account types?

What would be the optimal allocation amongst account types? Yes, nobody knows what the optimal allocation will be, but what do you all think is optimal? To clarify, for example my allocation amongst account types currently while accumulating is: 46.8% Taxable Brokerage 26.2% Roth IRA 23.4% Tradition...
by nptit
Sat Mar 28, 2020 9:28 pm
Forum: Personal Investments
Topic: Does anyone use a one fund portfolio?
Replies: 34
Views: 3680

Re: Does anyone use a one fund portfolio?

Do it if you have access to your desired fund in all of your accounts. I wouldn't think twice. So I have access to it in my Taxable and IRAs that are with Vanguard. My 401k will not have this option, but should be able to do something comparable. I do make sure to rollover my 401k whenever I switch...
by nptit
Sat Mar 28, 2020 9:21 pm
Forum: Personal Investments
Topic: Does anyone use a one fund portfolio?
Replies: 34
Views: 3680

Does anyone use a one fund portfolio?

The market swings have me thinking, does anyone use a one fund portfolio? I am thinking about simplifying from my current three fund portfolio. This may help simplify things like dealing with rebalancing, tax loss harvesting, and some mental games regarding tilting your allocations. For example http...
by nptit
Fri Dec 27, 2019 4:37 pm
Forum: Personal Investments
Topic: Contribute to 529 or ROTH via After tax 401k
Replies: 8
Views: 380

Re: Contribute to 529 or ROTH via After tax 401k

I should clarify this is for both my wife and I, so it's not just 50K it's 50K for me and another 50K for her. So in total 100K. We had been saving what additional we had in a taxable account as well, so will have to look at things closer. Our mortgage is 15 years as well. Regarding state tax deduct...
by nptit
Fri Dec 27, 2019 2:40 pm
Forum: Personal Investments
Topic: Contribute to 529 or ROTH via After tax 401k
Replies: 8
Views: 380

Re: Contribute to 529 or ROTH via After tax 401k

Regarding state tax deduction we are in Texas, so not a factor. Regarding either/or question; It would be tight to cashflow our expenses; mortgage, daycare, etc...while maxing out the after tax portion of the 401ks for wife and I and 529s So I am mainly asking what do you think I should prioritize m...
by nptit
Fri Dec 27, 2019 11:41 am
Forum: Personal Investments
Topic: Contribute to 529 or ROTH via After tax 401k
Replies: 8
Views: 380

Contribute to 529 or ROTH via After tax 401k

Hello, Soon to be new parent. I am faced with the following choice assuming I can continue to invest this much money when the baby comes: My employer offers an after tax 401k that I can contribute to and roll over to my vanguard IRA. Should I continue to invest the 20% (following 57K limit) of my sa...
by nptit
Mon Dec 02, 2019 7:26 pm
Forum: Personal Consumer Issues
Topic: Need Advice for Cheap Wireless Plans
Replies: 23
Views: 2129

Re: Need Advice for Cheap Wireless Plans

I have been using https://fi.google.com/about/plans/ and have found it be very good. Also if you ever find yourselves traveling overseas your service works like normal no extra sim card and data is the same price.
by nptit
Wed Dec 27, 2017 8:43 pm
Forum: Personal Consumer Issues
Topic: What frugal thing did you do today?
Replies: 1498
Views: 176290

Re: What frugal thing did you do today?

jojay wrote: Mon Dec 25, 2017 1:17 pm I have been a test shaver for a major razor company for nearly 25 years. I have enough blades to last me for several years.
I gave multiple blades to my son today - probably worth $100.
How did you come into this opportunity? Seems pretty unique. Can you describe more?
by nptit
Sun Jan 29, 2017 1:37 pm
Forum: Personal Investments
Topic: HSA/Health Care saving for one in their 20s
Replies: 6
Views: 1068

HSA/Health Care saving for one in their 20s

Hello, I am in my mid 20's and lucky enough to be able to max out my HSA each year. I have accumulated about 10K at this point and invest around 90% in a fidelity index fund. I understand the HSA is a special vehicle regarding tax advantages, so I am definitely going to continue taking advantage of ...
by nptit
Thu Sep 22, 2016 7:11 pm
Forum: Personal Finance (Not Investing)
Topic: Please assess my situation/If I can afford my first house
Replies: 22
Views: 2910

Re: Please assess my situation/If I can afford my first house

Thanks again everyone for all the advice. This forum is truly an awesome place to get a real unbiased second opinion. I have decided to continue renting for at least the next year and reassess later.
by nptit
Thu Sep 22, 2016 7:09 pm
Forum: Personal Finance (Not Investing)
Topic: Please assess my situation/If I can afford my first house
Replies: 22
Views: 2910

Re: Please assess my situation/If I can afford my first house

Side note- How do you have so much in your ROTH IRA if contribution limits have been $5,500 per annum the last several years? I had two summer internships in college and maxed the ROTH IRA then. So I have been maxing it each year starting when I was 20. I also utilize the back door method. Meaning ...
by nptit
Sat Sep 17, 2016 8:36 pm
Forum: Personal Finance (Not Investing)
Topic: Please assess my situation/If I can afford my first house
Replies: 22
Views: 2910

Re: Please assess my situation/If I can afford my first house

Thanks for the responses everybody!

I am still deciding, but am leaning towards waiting it out a few more years to save more/mature personally as well.

Hopefully the market in my area will cool down a bit as this is a significant factor as well.
by nptit
Sat Sep 17, 2016 3:03 pm
Forum: Personal Finance (Not Investing)
Topic: Please assess my situation/If I can afford my first house
Replies: 22
Views: 2910

Re: Please assess my situation/If I can afford my first house

What is the PITI on this new house? Why were you using a Roth 401k? The PITI estimate is around $2,500. I am using a ROTH 401k on the basis that I was young 22-25 during that time and my income has been increasing. I plan on next year transitioning to a traditional account. I would hope this thread...
by nptit
Sat Sep 17, 2016 2:26 pm
Forum: Personal Finance (Not Investing)
Topic: Please assess my situation/If I can afford my first house
Replies: 22
Views: 2910

Re: Please assess my situation/If I can afford my first house

What is the PITI on this new house? Why were you using a Roth 401k? The PITI estimate is around $2,500. I am using a ROTH 401k on the basis that I was young 22-25 during that time and my income has been increasing. I plan on next year transitioning to a traditional account. I would hope this thread...
by nptit
Sat Sep 17, 2016 2:13 pm
Forum: Personal Finance (Not Investing)
Topic: Please assess my situation/If I can afford my first house
Replies: 22
Views: 2910

Please assess my situation/If I can afford my first house

Below I have tried to give the most information I can in hopes of getting the most accurate answers. Thank you for taking the time to look this over, I really appreciate it! Personal: 25 Financial Stats: Gross income 95K (salaried employee pretty stable). ROTH 401k - 59K Fidelity s&p 500 fund; R...
by nptit
Tue Dec 29, 2015 9:40 pm
Forum: Investing - Theory, News & General
Topic: Jack Bogle on Bloomberg TV (12-29-15)
Replies: 20
Views: 2531

Jack Bogle's Guide to a Winning Strategy

[Thread merged into here, see below. --admin LadyGeek] Great interview with Jack Bogle on Bloomberg http://www.bloomberg.com/news/videos/2015-12-29/jack-bogle-s-guide-to-a-winning-strategy . I like his take on interest rates with regards to inflation. Additionally, he closes out strong noting the g...
by nptit
Sun Oct 11, 2015 4:26 pm
Forum: Investing - Theory, News & General
Topic: Optimal way to fund IRA?
Replies: 7
Views: 723

Re: Optimal way to fund IRA?

Thanks. I get the the drift of what you are saying now.
I do not have emergency cash reserves. I am in my 20's in a strong industry/job market. I have chosen at this point in my life to have more of an aggressive approach while keeping ~6 months reserve in a total bond fund.
by nptit
Sun Oct 11, 2015 3:58 pm
Forum: Investing - Theory, News & General
Topic: Optimal way to fund IRA?
Replies: 7
Views: 723

Re: Optimal way to fund IRA?

Thanks for the input. The notion "if I could fund it the first day of the year I would" is still not clear. You can then make the point that you should not just have money sitting on the sidelines accumulating cash for ~3 month before January. During the ~3 months before January I would be...
by nptit
Sun Oct 11, 2015 2:24 pm
Forum: Investing - Theory, News & General
Topic: Optimal way to fund IRA?
Replies: 7
Views: 723

Optimal way to fund IRA?

What is the optimal way to fund ones IRA? The way I see it my options are: (Note I making the assumption that all accounts are funded and I have room for after tax investing) * Start diverting money away from taxable investing in say August of each year into a money market fund/cash, so that you can...
by nptit
Sat Oct 03, 2015 6:16 pm
Forum: US Chapters
Topic: Master Thread for Austin Texas area Bogleheads
Replies: 83
Views: 39590

Re: Master Thread for Austin Texas area Bogleheads

Posting to follow for the next meeting as well.
by nptit
Sat Aug 29, 2015 2:41 pm
Forum: Investing - Theory, News & General
Topic: What ETF to use to harvest VXUS losses?
Replies: 4
Views: 1138

What ETF to use to harvest VXUS losses?

This will be my first time tax loss harvesting. To confirm my strategy will be: Sell my entire position in VXUS and buy VEU then wait 30 days and swap back. When is the right time to swap back? If VEU rises and I swap i'll just have the losses offset by the gains. The ideal situation seems to be to ...
by nptit
Wed Aug 19, 2015 6:29 pm
Forum: Personal Finance (Not Investing)
Topic: 401K Match vs Cash Bonus
Replies: 5
Views: 858

Re: 401K Match vs Cash Bonus

Have you been with your current company long enough that their previous matches have vested? * Yes, everything is vested immediately. Are you entitled to a prorated match if you leave early in the year? * No, I am not entitled to a prorated match if I leave early. The answer to your question would ...
by nptit
Wed Aug 19, 2015 6:18 pm
Forum: Personal Finance (Not Investing)
Topic: 401K Match vs Cash Bonus
Replies: 5
Views: 858

401K Match vs Cash Bonus

I am going to be offered a position at another company in September. The 401k at my current employer is matched at the end of the year. I should expect a 5K match. The question is what exactly is that 5K 401k match worth in comparison to cash (Bonus I would ask for in the new job)? Is it 10K cash eq...
by nptit
Tue Jul 28, 2015 6:44 pm
Forum: Personal Investments
Topic: Roll over mailing logistics?
Replies: 6
Views: 1514

Roll over mailing logistics?

Assume you are rolling over after tax 401k contributions to a roth IRA. Fiduciary A sends a check to you and then you have to send the check to fiduciary B. Note I asked fiduciary A if they will send it directly to B and they will not only to me. How does one secure/ensure nothing happens to the let...