Search found 1087 matches

by Tyler Aspect
Tue May 08, 2018 11:37 pm
Forum: Investing - Help with Personal Investments
Topic: Breaking Up and Staying On Good Terms with an Advisor
Replies: 42
Views: 5259

Re: Breaking Up and Staying On Good Terms with an Advisor

This is a relationship based on money and fees. Once that fee is cut off, then the relationship should rightfully end. The only mitigating factor are your parents. The advisor might not want to offend your parents if he wishes to keep your parents' account. However, this can work both ways; your par...
by Tyler Aspect
Tue May 08, 2018 12:31 am
Forum: Investing - Help with Personal Investments
Topic: Nationwide Indexed Annuity
Replies: 7
Views: 742

Re: Nationwide Indexed Annuity

Run away from these products. Indexed annuities are the worst things you could buy.
by Tyler Aspect
Tue May 08, 2018 12:29 am
Forum: Investing - Help with Personal Investments
Topic: New Investor
Replies: 14
Views: 988

Re: New Investor

Vanguard® Institutional Index Fund - Institutional Shares in the 457 program would give you S&P 500 exposure.

Your government pension's growth is very bond-like. You can treat it as bond currently.

Do keep a 6 month expense worth of emergency cash; just in case.

Good luck!
by Tyler Aspect
Sat May 05, 2018 2:11 am
Forum: Investing - Help with Personal Investments
Topic: Confused by Fees - Valic 401k
Replies: 4
Views: 1045

Re: Confused by Fees - Valic 401k

My wife's 401k is with Valic and I am a bit confused about certain fund fees. Typical fund expense ratios I get. For example one fund MUETX, lists a net expense ratio of 0.85%, that I understand. However, if I click on another option for Fund Fees in the side bar, I see the following: VALIC receive...
by Tyler Aspect
Fri May 04, 2018 3:25 pm
Forum: Investing - Help with Personal Investments
Topic: Two Fund Across Three IRAs
Replies: 14
Views: 648

Re: Two Fund Across Three IRAs

At your age you should have 23% bond in your portfolio. Dave Ramsey's all stock recommendation is not a good one. DR isn't the only 'guru' who says 100% stocks. JL Collins says it on his website and in his book. Joshua Sheats says it on his podcast Radical Personal Finance. It's not unheard of. Bon...
by Tyler Aspect
Fri May 04, 2018 2:43 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard Target retirement funds
Replies: 28
Views: 4691

Re: Vanguard Target retirement funds

Adding a target retirement fund when you already have a Three Funds portfolio just muddies the water in my opinion. Target retirement funds are intended to be your first fund that someday you can graduate out of it.
by Tyler Aspect
Fri May 04, 2018 1:59 pm
Forum: Investing - Help with Personal Investments
Topic: Two Fund Across Three IRAs
Replies: 14
Views: 648

Re: Two Fund Across Three IRAs

Hi. I've asked for a lot of advice lately that is quite different. It's from lots of paralysis from analysis. Here's my latest conundrum. If I'd like to do the three fund portfolio less bonds how do I do it across three IRAs? Here's what we have: SEP IRA that will not be added to (previous employer...
by Tyler Aspect
Fri May 04, 2018 10:44 am
Forum: Personal Finance (Not Investing)
Topic: Interest only loan
Replies: 24
Views: 2424

Re: Interest only loan

In a high inflation driven recession you can see a combination of high interest rate and a recession happening at the same time.
by Tyler Aspect
Thu May 03, 2018 10:08 pm
Forum: Personal Finance (Not Investing)
Topic: Interest only loan
Replies: 24
Views: 2424

Re: Interest only loan

So I have an interest only loan tied to my condo I own that I pay 1m libor plus 162 bps on (currently 3.5%). Assuming top tax bracket, that's an after tax rate of roughly 2.25%. I'm relatively young (34), and have built up a substantial nest egg. My gut tells me I'm supposed to continue to pile $ i...
by Tyler Aspect
Sun Apr 29, 2018 4:58 pm
Forum: Investing - Help with Personal Investments
Topic: $750,000 in Cash at 30
Replies: 14
Views: 4414

Re: $750,000 in Cash at 30

You appear to be a conservative investor, so 70% stock / 30% bond could work for you. On the stock side, 75% US stock / 25% international stock.

You could look into creating a 401k program for your small business to increase tax deferred investing.
by Tyler Aspect
Sat Apr 28, 2018 12:22 pm
Forum: Investing - Help with Personal Investments
Topic: Retirement Plan funds Transfer question
Replies: 1
Views: 222

Re: Retirement Plan funds Transfer question

My daughter has just left her job and retains a 403(b) plan with that company. She would like to transfer it to a TIRA to have better control of the funds. The question I have is whether she can make that transfer and continue to make "backdoor" Roth contributions without tax consequences. Somewher...
by Tyler Aspect
Sat Apr 28, 2018 12:03 pm
Forum: Investing - Help with Personal Investments
Topic: Short term bonds appropriate for this money?
Replies: 5
Views: 543

Re: Short term bonds appropriate for this money?

For vacation savings I would just put the $3k into two year US Treasury Notes. For car savings a short term bond index fund like the one you mentioned could work. Usually I turn off the dividend reinvestment features of all my taxable funds and invests in units of $1000, in order to avoid small lots...
by Tyler Aspect
Fri Apr 27, 2018 10:07 pm
Forum: Investing - Help with Personal Investments
Topic: Concerns with Index funds (VTSAX, VOO, QQQ, etc.)
Replies: 31
Views: 4328

Re: Concerns with Index funds (VTSAX, VOO, QQQ, etc.)

In terms of index composition, VTSAX is composed of mostly large companies, with some medium sized and small companies. VOO is all large sized companies. QQQ is mostly composed of technology companies. Bogleheads tend to not use the NASDAQ 100 index because it is not diversified. VTSAX has similar p...
by Tyler Aspect
Fri Apr 27, 2018 4:57 pm
Forum: Investing - Help with Personal Investments
Topic: 401K Investment Menu Selection
Replies: 4
Views: 300

Re: 401K Investment Menu Selection

You should find out the cost charged to your employer from picking funds not in the default list. The minimum requirement is a low cost S&P 500 index fund, and a low cost bond index fund. After that, you can go down this list. target retirement funds money market fund short term bond index fund / sh...
by Tyler Aspect
Wed Apr 25, 2018 6:44 pm
Forum: Investing - Help with Personal Investments
Topic: Managed Beating Index?
Replies: 35
Views: 2972

Re: Managed Beating Index?

Have you visited PortfolioVisualizer.com ? They have a portfolio back test tool that can help you see what your contributions and withdrawals impacted the sum of the estimated final values. This is a free tool, but the resolution is limited to one month, so you have to adjust all contributions and w...
by Tyler Aspect
Wed Apr 25, 2018 6:07 pm
Forum: Investing - Help with Personal Investments
Topic: Rising Interest and bond funds
Replies: 19
Views: 2502

Re: Rising Interest and bond funds

There are two views on rising yield. One view is to ignore the temporary loss in a bond fund's net asset value, because the higher yield will eventually earn back the difference over many years. As long as you have the patience, steady waiting will do the job. An alternative view is to move to short...
by Tyler Aspect
Tue Apr 24, 2018 4:51 pm
Forum: Investing - Help with Personal Investments
Topic: Income investing in Taxable
Replies: 17
Views: 1455

Re: Income investing in Taxable

Maybe $120k in Balanced Index, and $80k in Two Year US Treasury Notes.
by Tyler Aspect
Mon Apr 23, 2018 11:07 pm
Forum: Investing - Help with Personal Investments
Topic: Managed Beating Index?
Replies: 35
Views: 2972

Re: Managed Beating Index?

Is the 8.43% annualized 5 year return? You have to subtract out the effect of your incoming money contributions, otherwise you are comparing apple and oranges.
by Tyler Aspect
Mon Apr 23, 2018 10:42 pm
Forum: Investing - Help with Personal Investments
Topic: Total beginner to investing, need help with basic questions
Replies: 9
Views: 1068

Re: Total beginner to investing, need help with basic questions

I would recommend Beth Kobliner's "Get A Financial Life - Personal Finance in Your Twenties and Thirties" as a good introductory personal finance book for young people.
by Tyler Aspect
Mon Apr 23, 2018 7:06 pm
Forum: Investing - Help with Personal Investments
Topic: Dividend fund in taxable account during retirement, yea or nay?
Replies: 33
Views: 3389

Re: Dividend fund in taxable account during retirement, yea or nay?

A dividend income fund does not protect you from an economic recession. Vanguard Equity Income Fund behaved in the same way as Total Stock Market Index during the last recession. Yes you are right, but it continues to provide a revenue stream that low dividend stocks do not provide, even if the val...
by Tyler Aspect
Mon Apr 23, 2018 4:42 pm
Forum: Investing - Help with Personal Investments
Topic: Questions about investing through Roth internationally
Replies: 3
Views: 371

Re: Questions about investing through Roth internationally

Hello, Background: I am an Indian citizen, living and working in the US. I have been contributing to a Roth account through both the IRA backdoor and employee after tax option, and plan to continue doing this going forward. So some of the 2-3 year CDs offered through banks in India offer close to 7...
by Tyler Aspect
Mon Apr 23, 2018 3:17 pm
Forum: Investing - Help with Personal Investments
Topic: Help with 111K IRA Vanguard Portfolio
Replies: 7
Views: 804

Re: Help with 111K IRA Vanguard Portfolio

Thx a lot! I plan to keep the rental property for another couple of years before I decide whether to sell or keep it for long term. One more unrelated question - Given that I have a 7/1 ARM which will convert to market rate after 6 yrs. Should I start paying off the 7/1 ARM by making additional pay...
by Tyler Aspect
Mon Apr 23, 2018 3:03 pm
Forum: Investing - Help with Personal Investments
Topic: Dividend fund in taxable account during retirement, yea or nay?
Replies: 33
Views: 3389

Re: Dividend fund in taxable account during retirement, yea or nay?

I am interested by this subject as well. As stated in some answers above, the dividend yield is less volatile than the stock prices. And now especially if you select the stocks yourself based on their dividend history (some companies like XOM have been paying dividends for decades). I would be inte...
by Tyler Aspect
Sun Apr 22, 2018 10:47 pm
Forum: Investing - Help with Personal Investments
Topic: Help with 111K IRA Vanguard Portfolio
Replies: 7
Views: 804

Re: Help with 111K IRA Vanguard Portfolio

Your updated information helped me to see your situation. I do not see a fund by fund break-down yet, but just sub-account totals. For an investor at age 40, a typical asset allocation would be 70% stock / 30% bond. You have a rental property with 510k loan that is slightly cash flow negative. As lo...
by Tyler Aspect
Sun Apr 22, 2018 9:00 pm
Forum: Investing - Help with Personal Investments
Topic: Help with 111K IRA Vanguard Portfolio
Replies: 7
Views: 804

Re: Help with 111K IRA Vanguard Portfolio

Welcome to Bogleheads. You did not supply us enough information to get an accurate answer. Can you repost using the standard format quoted below? We need to know your age, and a list of your other fund assets in percentages that all add up to 100%. Thanks! Example: age 30 emergency cash: yes (3 mont...
by Tyler Aspect
Sun Apr 22, 2018 8:53 pm
Forum: Investing - Help with Personal Investments
Topic: Please Evaluate My Portfolio and Make Recommendations
Replies: 30
Views: 1187

Re: Need Advice Related to 3-Fund Plan in TIRA

Usually you want to select the lowest cost fund in a retirement plan, while keeping your overall asset allocation within your target. The lowest cost fund in the variable annuity is the stock index fund. So, pick it as the only selection, because a 0.65% expense ratio bond fund is too expensive. Dir...
by Tyler Aspect
Sun Apr 22, 2018 12:59 pm
Forum: Investing - Help with Personal Investments
Topic: Should I consider Roth conversions while working?
Replies: 12
Views: 1063

Re: Should I consider Roth conversions while working?

If you believe your tax bracket after retirement will be higher compared to your current tax bracket, then you can do Roth conversion. Don't do Roth conversion if you are not sure.
by Tyler Aspect
Sat Apr 21, 2018 11:25 pm
Forum: Investing - Help with Personal Investments
Topic: How to invest what little retirement money is left at 85
Replies: 10
Views: 2459

Re: How to invest what little retirement money is left at 85

I agree selling the house is a good idea to fund future living expenses. What is left in the retirement accounts is no longer enough.

20% Total Stock Market Index
80% Short Term Bond Index
by Tyler Aspect
Sat Apr 21, 2018 8:32 pm
Forum: Investing - Help with Personal Investments
Topic: Young and unsure how to invest
Replies: 4
Views: 546

Re: Young and unsure how to invest

Since you are almost college age, then your funds should be allocated for college, housing, food, and transportation expenses. Any money needed within the current year can be put into a Vanguard money market fund. Any money not needed in the current year can be parked in US Treasury Notes, or US Tre...
by Tyler Aspect
Sat Apr 21, 2018 1:17 pm
Forum: Investing - Help with Personal Investments
Topic: Healthcare ETF to Invest in Cannabis?
Replies: 4
Views: 701

Re: Healthcare ETF to Invest in Cannabis?

The Cannabis industry is probably too small to register in a healthcare ETF. If cannabis becomes completely legalized, then it becomes just a crop type. Low barrier of entry and intense price competition are bad for profits.
by Tyler Aspect
Sat Apr 21, 2018 12:54 pm
Forum: Investing - Help with Personal Investments
Topic: Help figuring out investment/retiring/medium term savings
Replies: 7
Views: 1484

Re: Help figuring out investment/retiring/medium term savings

I hadn't thought about counting the vested pension value as part of bonds. Right now the only vested part is my personal contributions, which I think is at around $6k, but that still gets me closer to the 28% figure. When you say the fixed 7% is the best return option, do you mean, as a bonds alter...
by Tyler Aspect
Tue Apr 17, 2018 2:11 pm
Forum: Investing - Help with Personal Investments
Topic: Too Many Options: IRA, i401k, 403b, 457b. What to do?
Replies: 8
Views: 896

Re: Too Many Options: IRA, i401k, 403b, 457b. What to do?

If you would like to make more taxable saving, then that would be a fine thing to do as well. Because of your low tax bracket, a modest reduction in 457b contribution would give you more taxable savings to invest.
by Tyler Aspect
Tue Apr 17, 2018 11:43 am
Forum: Investing - Help with Personal Investments
Topic: Portfolio Help for a New Investor!
Replies: 7
Views: 504

Re: Portfolio Help for a New Investor!

If your Roth IRA withdrawal was done less than 60 days ago, I would recommend you to rollover that money back into a rollover Roth IRA account as soon as possible. This is because the Roth IRA tax free investment is very valuable. Just because in a few years your tax bracket will increase to a point...
by Tyler Aspect
Sun Apr 15, 2018 12:30 am
Forum: Investing - Help with Personal Investments
Topic: Help figuring out investment/retiring/medium term savings
Replies: 7
Views: 1484

Re: Help figuring out investment/retiring/medium term savings

Welcome to Bogleheads. For an investor that is 38 years old, a typical asset allocation figure would be 72% stock / 28% bond. The best option in the New York City TDA program is the fixed 7% return option by far. You can include your current vested pension lump sum value as a part of your bond holdi...
by Tyler Aspect
Sat Apr 14, 2018 11:59 pm
Forum: Investing - Help with Personal Investments
Topic: How volatile could REITs be going forward?
Replies: 7
Views: 1062

Re: How volatile could REITs be going forward?

There are many advertising spots for no-credit-check home loans in our radio market. This feels the same as the run-up toward the last home loan bust 10 years ago.
by Tyler Aspect
Sat Apr 14, 2018 11:05 pm
Forum: Investing - Help with Personal Investments
Topic: Windfall advice
Replies: 3
Views: 869

Re: Windfall advice

Target Retirement Funds in the taxable account is a trap because after a few decades it is going to contain quite a bit of tax inefficient bonds, but by that time you will have accumulated lots of capital gains in there so that selling will be painful. Something is off with your allocation. You say ...
by Tyler Aspect
Sat Apr 14, 2018 7:23 pm
Forum: Investing - Help with Personal Investments
Topic: Help with Personal Investments, thanks for LOOKING!
Replies: 14
Views: 2307

Re: Help with Personal Investments, thanks for LOOKING!

Young investors should have minimum of 20% investments in bonds. No valid bond options are shown in the retirement fund options, and that is the most obvious lacking point. The taxable account has a collection of different strategies, but lacked the traditional broad market US stock index fund, and ...
by Tyler Aspect
Sat Apr 14, 2018 7:06 pm
Forum: Investing - Help with Personal Investments
Topic: What advantages do a personalized portfolio have over a target date fund, in your opinion?
Replies: 50
Views: 4267

Re: What advantages do a personalized portfolio have over a target date fund, in your opinion?

Most target date funds are too aggressive for young investors, and too conservative for older investors. They have a great marketing message for one stop shopping, but the implementation details are written to facilitate the ease of selling. Ultimately these target date funds are planner hostile and...
by Tyler Aspect
Sat Apr 14, 2018 10:48 am
Forum: Investing - Help with Personal Investments
Topic: Starting Taxable Account vs. Increasing 403b
Replies: 17
Views: 1618

Re: Starting Taxable Account vs. Increasing 403b

Welcome to Bogleheads. What is your current age? Do you have 6 months worth of expense in a money market fund or high interest online savings account? Populating the emergency cash is an important savings goal as well. Investing in Roth IRA, and populating the emergency cash would be the highest pri...
by Tyler Aspect
Fri Apr 13, 2018 5:59 pm
Forum: Personal Finance (Not Investing)
Topic: Should mom file married filing separate?
Replies: 5
Views: 498

Re: Should mom file married filing separate?

A husband can gift stock shares to his wife directly (without selling). This is independent of the filing decision.
by Tyler Aspect
Fri Apr 13, 2018 2:00 pm
Forum: Investing - Help with Personal Investments
Topic: Employee IPO windfall - mid 7 figures
Replies: 30
Views: 4013

Re: Employee IPO windfall - mid 7 figures

One other thing worth doing is to do estimated tax payment or to increase your current year W4 tax withholding (110% of FY 2017 income tax) so that you have safe harbor status for the upcoming stock sales.
by Tyler Aspect
Fri Apr 13, 2018 11:52 am
Forum: Investing - Help with Personal Investments
Topic: sprawling portfolio need sanity check
Replies: 5
Views: 664

Re: sprawling portfolio need sanity check

I did not see you listing any bond fund options for her retirement accounts. It would be good if you can add them to the post. Target retirement fund in the taxable account could be a problem in the long run. Wait for the next recession for a chance to sell it off without too much capital gains. Mea...
by Tyler Aspect
Thu Apr 12, 2018 4:59 pm
Forum: Investing - Help with Personal Investments
Topic: Partial shift from bond funds to CD ladder
Replies: 10
Views: 1058

Re: Partial shift from bond funds to CD ladder

Maybe we all had a case of loss aversion here. If you take the long term view, then net asset loss will be made up by having higher dividends 6 years consecutively for the intermediate term duration. I read a study showing that you may need to keep the bond fund for almost twice the duration to rec...
by Tyler Aspect
Thu Apr 12, 2018 1:33 pm
Forum: Investing - Help with Personal Investments
Topic: Partial shift from bond funds to CD ladder
Replies: 10
Views: 1058

Re: Partial shift from bond funds to CD ladder

Maybe we all had a case of loss aversion here. If you take the long term view, then net asset loss will be made up by having higher dividends 6 years consecutively for the intermediate term duration. If you make the move to short term, then that is a temporary move. You still have to move back to th...
by Tyler Aspect
Thu Apr 12, 2018 12:54 pm
Forum: Investing - Help with Personal Investments
Topic: Early Retirment Allocation Question
Replies: 7
Views: 691

Re: Early Retirment Allocation Question

Welcome to Bogleheads. Usually you do not want to construct a CD ladder with each step being one year of expense. The reason is that capital gains are taxed at lower rate compared to ordinary dividends. Assuming if you have any stock remaining in your taxable account, then you would want to sell sto...
by Tyler Aspect
Wed Apr 11, 2018 11:16 pm
Forum: Investing - Help with Personal Investments
Topic: Perspective on AA for a 91-year-old Mother with Alzheimer's
Replies: 4
Views: 707

Re: Perspective on AA for a 91-year-old Mother with Alzheimer's

1. Given my mother's age/condition, do you think the Asset Allocation is appropriate? Too conservative? Too aggressive? Maybe increase stock allocation to 25%. 2. Should I extend the bond duration and use some Intermediate (or LT?) Treasuries to hedge against declining interest rates/economy? Inter...
by Tyler Aspect
Wed Apr 11, 2018 7:04 pm
Forum: Investing - Help with Personal Investments
Topic: Ditched bond fund for money market. Thoughts?
Replies: 40
Views: 6305

Re: Ditched bond fund for money market. Thoughts?

How about looking at the possibility of buying Two Year US Treasury Notes at monthly auction? The process is usually straight forward for a brokerage account.
by Tyler Aspect
Wed Apr 11, 2018 6:59 pm
Forum: Investing - Help with Personal Investments
Topic: Tax Liens [Purchasing tax liens]
Replies: 5
Views: 644

Re: Tax Liens [Purchasing tax liens]

Tax liens are not passive income investments. Stay with the "Three Funds" approach.
by Tyler Aspect
Wed Apr 11, 2018 6:49 pm
Forum: Investing - Help with Personal Investments
Topic: Initial Installation Revenue Credit Inquiry
Replies: 2
Views: 311

Re: Initial Installation Revenue Credit Inquiry

Empower had some bad Yelp reviews. You should read them.