Search found 1084 matches

by Tyler Aspect
Fri Mar 02, 2018 4:02 pm
Forum: Investing - Help with Personal Investments
Topic: Investing to Maximize Cash on Hand for Quarterly Tax Payments
Replies: 6
Views: 581

Re: Investing to Maximize Cash on Hand for Quarterly Tax Payments

All, Appreciate the replies! Tyler - Can you expand a bit more on the reasoning behind taxable vs. tax advantaged accounts? This is something I have not thought of but will likely have to start thinking about more. Why would I want to keep bonds in the tax advantaged accounts? I would think that a ...
by Tyler Aspect
Fri Mar 02, 2018 3:55 pm
Forum: Investing - Help with Personal Investments
Topic: Financial Snapshot [help with investments]
Replies: 10
Views: 729

Re: Financial Snapshot [help with investments]

Can you edit your posting so that the sum of all your investments add up to 100%? Thanks. A listing of the possible investment options of the 401k account would be useful as well (filter out anything higher than 0.50% expense ratio).
by Tyler Aspect
Fri Mar 02, 2018 3:24 pm
Forum: Investing - Help with Personal Investments
Topic: Need help with my dad's portfolio
Replies: 14
Views: 1075

Re: Need help with my dad's portfolio

Hi my dad is currently 60 years old and is currently retired because of illness. He owns a home worth 250,000, currently no debt and has about 150,000 dollars in high yield savings and CD's which he wants to invest. He also has an extra 50,000 in high yield savings which he wants to keep for his em...
by Tyler Aspect
Thu Mar 01, 2018 6:44 pm
Forum: Investing - Help with Personal Investments
Topic: Investing to Maximize Cash on Hand for Quarterly Tax Payments
Replies: 6
Views: 581

Re: Investing to Maximize Cash on Hand for Quarterly Tax Payments

Welcome to Bogleheads. Doing 4 estimated 2018 tax payment totaling 110% of what you owe in federal tax for tax year 2017 will allow you to avoid underpayment penalty. It sounds like debt payment would be a good idea now that your family income has increased. If you have not set up a target asset all...
by Tyler Aspect
Wed Feb 28, 2018 7:04 pm
Forum: Investing - Help with Personal Investments
Topic: 1/4 of FI for rebalance: Tot bond vs stable value/short term
Replies: 2
Views: 430

Re: 1/4 of FI for rebalance: Tot bond vs stable value/short term

Why not continue to add bond exposure? It seemed the amount of bond you have is under your target. Moving away from total bond market into a stable value fund will probably reduce your potential return over the long run, since a stable value fund usually hold shorter term bonds.
by Tyler Aspect
Wed Feb 28, 2018 2:13 pm
Forum: Investing - Help with Personal Investments
Topic: Holding area for funds
Replies: 5
Views: 445

Re: Holding area for funds

It takes one day to move money from the Prime Money Market to the sweep fund.
by Tyler Aspect
Wed Feb 28, 2018 1:45 pm
Forum: Investing - Help with Personal Investments
Topic: Need Fundamental help with Finances and Insurance
Replies: 26
Views: 1868

Re: Need Fundamental help with Finances and Insurance

Welcome to Bogleheads. Hi, Turning here to finally LEARN finances myself & what's SMART (while maintaining SIMPLE as we're overwhelmed with all other obligations and stresses of raising a young family). To back up...a while ago we randomly chose Edward Jones to open a SEP IRA for my husband. Fees we...
by Tyler Aspect
Tue Feb 27, 2018 5:40 pm
Forum: Investing - Help with Personal Investments
Topic: Young person wonders about Bonds
Replies: 19
Views: 2656

Re: Young person wonders about Bonds

Consider setting up a target asset allocation that is appropriate for your age. Also ask yourself how much are you willing to lose in a recession without selling out? I have presented below a typical asset allocation glide path chart, offering a range of possible allocations between aggressive, norm...
by Tyler Aspect
Tue Feb 27, 2018 4:28 pm
Forum: Investing - Help with Personal Investments
Topic: General Investment / Money placement advice
Replies: 1
Views: 264

Re: General Investment / Money placement advice

Mortgage pre-payment should be a good thing to do. Individual stocks you can sell them if you like. I imagine the proceeds can be invested in ticker symbol VTI. What is your target asset allocation? You should decide on a particular figure if you have not done so yet. http://drive.google.com/uc?expo...
by Tyler Aspect
Tue Feb 27, 2018 12:32 pm
Forum: Investing - Help with Personal Investments
Topic: how to draw down taxable retirement acct...?
Replies: 20
Views: 1780

Re: how to draw down taxable retirement acct...?

In the early retirement period typically people sell stocks to fund their yearly expense. At the same time they would still maintain their target asset allocation. I don't know if you will still have these extra funds in 15 years, but if you did then you should maintain the dollar level of each fund...
by Tyler Aspect
Tue Feb 27, 2018 1:49 am
Forum: Investing - Help with Personal Investments
Topic: Where to open IRA and taxable account for both "Robo advisor" and picking ETFs and stocks.
Replies: 3
Views: 534

Re: Where to open IRA and taxable account for both "Robo advisor" and picking ETFs and stocks.

Exiting a Robo managed position can be messy. I saw someone posting a message about the result of exiting Wealthfront, and ended up with 40 individual stocks and ETFs. It is my impression that Robo is used for initial hand-holding, but eventually the latent fees start to kick in.
by Tyler Aspect
Mon Feb 26, 2018 11:28 pm
Forum: Investing - Help with Personal Investments
Topic: Added Cash upsets my AA
Replies: 10
Views: 823

Re: Added Cash upsets my AA

I know I'll have to post details for a portfolio review, and I'm pulling those pieces together now. At age 64, I'm adjusting our AA for roughly 40-60. I was on my way to that goal, though still at 56% stocks, when we got an influx of cash due to inheritance. It is larger than our entire portfolio a...
by Tyler Aspect
Mon Feb 26, 2018 4:38 pm
Forum: Investing - Help with Personal Investments
Topic: Help me understand
Replies: 21
Views: 1676

Re: Help me understand

I have a good friend who invests in individual stocks, and is constantly showing me returns in the few stocks he invests in over the past 5 years: AAPL - 186% V - 206% AMZN - 455% FB - 535% vs S&P 500 Index - 78% I've been putting any and all investments into total market index funds for the past f...
by Tyler Aspect
Mon Feb 26, 2018 4:28 pm
Forum: Investing - Help with Personal Investments
Topic: What to do
Replies: 8
Views: 744

Re: What to do

Welcome to Bogleheads. Ok, I have to start by saying I am not a fan of the market and just don't feel comfortable with it. I do understand I should be investing in it, but I struggle with the risk involved. Anyway here is where I am with investments. I currently own 9 rentals all paid off, personal ...
by Tyler Aspect
Mon Feb 26, 2018 4:15 pm
Forum: Investing - Help with Personal Investments
Topic: More to 401K or start a Roth IRA??
Replies: 11
Views: 611

Re: More to 401K or start a Roth IRA??

Contribute toward 401k account up to the matching ceiling. Then contribute toward your Roth IRA, as well as the spousal Roth IRA.
by Tyler Aspect
Mon Feb 26, 2018 2:47 pm
Forum: Investing - Theory, News & General
Topic: Stock/Bond Ratio Determines Risk: Flawed Thesis?
Replies: 34
Views: 2871

Re: Stock/Bond Ratio Determines Risk: Flawed Thesis?

This is my favorite chart at PortfolioVisualizer.com where you can see the stock / bond ratio completely determines the risk. The symmetry is quite beautiful. https://www.portfoliovisualizer.com/backtest-portfolio?s=y&timePeriod=4&startYear=2004&firstMonth=1&endYear=2014&lastMonth=12&endDate=02%2F16...
by Tyler Aspect
Mon Feb 26, 2018 12:59 pm
Forum: Investing - Help with Personal Investments
Topic: Occasional Portfolio Checkup
Replies: 2
Views: 388

Re: Occasional Portfolio Checkup

Welcome to Bogleheads. Hi everyone. Doing a every-once-in-a-while portfolio checkup. I think I'm in OK shape, but never bad to have other sets of eyes and views. Me (38), wife (37), one daughter (6). I work for federal government in a job where I expect to retire around 55 with a pension appx. 30% o...
by Tyler Aspect
Mon Feb 26, 2018 1:12 am
Forum: Investing - Help with Personal Investments
Topic: Retirement investing - starting out
Replies: 8
Views: 1089

Re: Retirement investing - starting out

Hey all, Came across this site while searching out info on different investment brokers. After reading a bunch of the threads, I figured this would be a great place to hopefully get some investing insight. I'm in my mid 20's and have decided it's overdue that I get rolling on retirement investing. ...
by Tyler Aspect
Sat Feb 24, 2018 8:19 pm
Forum: Investing - Help with Personal Investments
Topic: TIPS vs Bonds again!
Replies: 13
Views: 2977

Re: TIPS vs Bonds again!

Now we are all looking for something a little safer its time to ask the question again TIPS or Bonds. The turmoil recently has made me doubt the adage that bonds are safe. Its a myth. Its also a fact that most 10 year bond fund ETF's are down about 20% from their peak mutuals the same. So we lose p...
by Tyler Aspect
Sat Feb 24, 2018 7:55 pm
Forum: Investing - Help with Personal Investments
Topic: TSP & taxable allocations, near retirement
Replies: 7
Views: 1059

Re: TSP & taxable allocations, near retirement

Welcome to Bogleheads. My wife & I would like advise/ideas on allocations/strategies, as we are planning to retire in 2020. We are trying to determine a good approach to our TSP and taxable account funds (which we will have soon due some real estate sales). Here's our situation: Retirement in 2.5 ye...
by Tyler Aspect
Sat Feb 24, 2018 1:27 pm
Forum: Investing - Help with Personal Investments
Topic: Add short term bond fund to bond portion of AA?
Replies: 5
Views: 714

Re: Add short term bond fund to bond portion of AA?

A short term bond fund would be appropriate if you have short term expenses that you want to save. One example is to put 3 years worth of Required Minimum Distribution of a traditional IRA account in a short term bond fund upon reaching age 68. For general retirement investing, a total bond market i...
by Tyler Aspect
Sat Feb 24, 2018 1:19 pm
Forum: Investing - Help with Personal Investments
Topic: "Invest" in Student Loans or Retirement?
Replies: 18
Views: 2096

Re: "Invest" in Student Loans or Retirement?

Welcome to Bogleheads. Ok bogleheads, I’m a newbie investor who just started really trying to get my financial house in order. I stay home with the kids (4, 2, and 1 due in a week :shock: ) and my husband is a dentist, he’s been out of school for 3 years. I’ve been reading on here and on the White C...
by Tyler Aspect
Fri Feb 23, 2018 3:36 pm
Forum: Investing - Help with Personal Investments
Topic: transfers and funds available to trade in brokerage account
Replies: 7
Views: 668

Re: transfers and funds available to trade in brokerage account

You can transfer your money ahead of time to Vanguard Prime Market fund. That way you can exchange to a mutual fund on the same day, or purchase an ETF on the next day.

Margin accounts are bad fit for persons who are prone to short term speculation.
by Tyler Aspect
Fri Feb 23, 2018 2:56 pm
Forum: Investing - Help with Personal Investments
Topic: Portfolio review; Suggestions on how to create early retirement income
Replies: 4
Views: 963

Re: Portfolio review; Suggestions on how to create early retirement income

Welcome to Bogleheads. Portfolio is ~$2MM+ (MM=million) Summary of accounts: Emergency funds: 12 months’ worth of expenses Pseudo-Pension – His: 40K 401k – His: 440K 401k – Her: 290K Roth IRA – His: 102K Roth IRA – Her: 103K 529 – 1 year old child: 106K Taxable Accounts (4): 1MM+ Age and Tax: His: 3...
by Tyler Aspect
Fri Feb 23, 2018 1:20 pm
Forum: Investing - Help with Personal Investments
Topic: What do Bogleheads think of Passive income through Dividend Stocks
Replies: 58
Views: 7353

Re: What do Bogleheads think of Passive income through Dividend Stocks

Depends on your definition of reliably. The things I listed will pay that much or more and have in the past. I would say it's safe to say they will pay this much this year too. Might not in a longer time frame. But don't expect much capital growth. That's not how these work. They generally have pre...
by Tyler Aspect
Fri Feb 23, 2018 1:18 am
Forum: Investing - Help with Personal Investments
Topic: What do Bogleheads think of Passive income through Dividend Stocks
Replies: 58
Views: 7353

Re: What do Bogleheads think of Passive income through Dividend Stocks

I am student who probably won't have time to work during school. I have enough to pay for tuition in cash. I don't want the rest of my money to just sit in a 2% CD during 4+ years of school and am looking for some passive income for living expenses during school. I think this is a critical statemen...
by Tyler Aspect
Fri Feb 23, 2018 12:53 am
Forum: Investing - Help with Personal Investments
Topic: Retiree newbies financial life...
Replies: 4
Views: 1341

Re: Retiree newbies financial life...

Welcome to Bogleheads. As retiree newbies, we are finding our way into a new financial life, and will very much welcome comments, thoughts and suggestions from fellow Bogleheads: Background: My wife and I, 61/69, retired from Va state and fed govt with 20 and 25 years in 2017 and 2015. Our govt annu...
by Tyler Aspect
Thu Feb 22, 2018 12:29 pm
Forum: Investing - Help with Personal Investments
Topic: Young Investor: Investing In A Bear Market
Replies: 29
Views: 2997

Re: Young Investor: Investing In A Bear Market

Hold 20% of your portfolio in bond located in your tax deferred account. Gradually increase your emergency cash reserve to prepare for possibility of job loss in the next recession.
by Tyler Aspect
Thu Feb 22, 2018 12:40 am
Forum: Investing - Help with Personal Investments
Topic: Still lose with bonds even at duration
Replies: 41
Views: 5228

Re: Still lose with bonds even at duration

The original poster is not taking account of the bond fund's underlying bonds' net asset value climbing back toward par at maturity. I have in my taxable account a bit of US Treasury Bill that does not pay interests. I can see its net asset value dropping during the last few months as short term yie...
by Tyler Aspect
Wed Feb 21, 2018 12:45 pm
Forum: Personal Finance (Not Investing)
Topic: Home Refinancing Advice - First Home Buyer
Replies: 9
Views: 741

Re: Home Refinancing Advice - First Home Buyer

Bad things can happen when you invest with borrowed money. Go with 30 year fixed; these ARM loans can be a bear trap.
by Tyler Aspect
Wed Feb 21, 2018 12:14 pm
Forum: Personal Finance (Not Investing)
Topic: Understanding 2017 ACA Insurance >> Alternative to ACA until age 65 >>Possible Solutions??
Replies: 115
Views: 9089

Re: Need Help Understanding 2017 ACA Insurance Bill for $28,690 and tax liabilities? Confused? Help?

No salaries paid from the rental business, only direct rent paid personally. Not looking good at all on that end :( Also have royalty income from our photography portfolio's from Getty, etc, etc. But it is not a salary. No looking good. There is a $14,000 annual gift allowance and I have 2 sons. Is...
by Tyler Aspect
Wed Feb 21, 2018 12:45 am
Forum: Investing - Help with Personal Investments
Topic: Employer Sponsored 401K Fund Question
Replies: 7
Views: 585

Re: Employer Sponsored 401K Fund Question

90% stock / 10% bond is very aggressive at age 35. The market had a great run, but perhaps it is time where it no longer makes sense to be very aggressive when constructing our portfolio for the first time. As the events of the previous few weeks demonstrate that the market can go down as well. I fe...
by Tyler Aspect
Wed Feb 21, 2018 12:22 am
Forum: Personal Finance (Not Investing)
Topic: Understanding 2017 ACA Insurance >> Alternative to ACA until age 65 >>Possible Solutions??
Replies: 115
Views: 9089

Re: Need Help Understanding 2017 ACA Insurance Bill for $28,690 and tax liabilities? Confused? Help?

The ACA subsidy cutoff for a family of 2 in year 2017 was $64,960. This is a hard cut-off; if your MAGI is above it then you do not get any ACA premium subsidy at all.
by Tyler Aspect
Tue Feb 20, 2018 5:11 pm
Forum: Investing - Help with Personal Investments
Topic: What do Bogleheads think of Passive income through Dividend Stocks
Replies: 58
Views: 7353

Re: What do Bogleheads think of Passive income through Dividend Stocks

You can look at this historical performance comparison from year 2006 to 2009. The chart represents a four year period, so you can imagine year 2006 as the first year of college, and year 2009 as the fourth year of college. The performance comparison is between Vanguard Equity Income (dividend appro...
by Tyler Aspect
Tue Feb 20, 2018 1:00 pm
Forum: Investing - Help with Personal Investments
Topic: Recent retiree - where to invest today
Replies: 23
Views: 2373

Re: Recent retiree - where to invest today

This is all very confusing. I retired last year and rolled my company stock over ($414,000) over into two vanguard tax deferred traditional ira funds (Wellesley admiral and 2015 retirement index fund). I did this in early July. Everything was fun through January of this year. I made $30,000 from my...
by Tyler Aspect
Tue Feb 20, 2018 2:11 am
Forum: Investing - Help with Personal Investments
Topic: Flexible Premium Deferred Annuities
Replies: 4
Views: 407

Re: Flexible Premium Deferred Annuities

a bad product in search of a new name to escape its bad reputation
by Tyler Aspect
Tue Feb 20, 2018 1:43 am
Forum: Investing - Help with Personal Investments
Topic: What do Bogleheads think of Passive income through Dividend Stocks
Replies: 58
Views: 7353

Re: What do Bogleheads think of Passive income through Dividend Stocks

Hopefully we can save the original poster from a very expensive learning experience of excessive yield chasing. There is a very basic observation that states when the yield is very high, then the principle value must be extremely unstable. Works for high yield bonds as well as high yield stocks.
by Tyler Aspect
Tue Feb 20, 2018 1:25 am
Forum: Investing - Help with Personal Investments
Topic: VAIPX/TIPS: To sell or not to sell
Replies: 14
Views: 1267

Re: VAIPX/TIPS: To sell or not to sell

You can think the intermediate term TIPs fund as similar to an intermediate term Treasury fund, but with the added feature of insulating you from the negative effects of inflation. Over the long term you should expect return slightly lower compared to an intermediate term Treasury fund. Don't panic,...
by Tyler Aspect
Mon Feb 19, 2018 8:08 pm
Forum: Investing - Help with Personal Investments
Topic: Need Help with How to Invest Assets
Replies: 2
Views: 348

Re: Need Help with How to Invest Assets

It seemed that you have done well with your commercial properties, but there is a point where the values of your commercial properties outstrips the amount of your stock holding then you have a lot of risk in a single industry sector - the real estate sector. You might want to pay off some of the co...
by Tyler Aspect
Mon Feb 19, 2018 7:51 pm
Forum: Investing - Help with Personal Investments
Topic: What do Bogleheads think of Passive income through Dividend Stocks
Replies: 58
Views: 7353

Re: What do Bogleheads think of Passive income through Dividend Stocks

I am student who probably won't have time to work during school. I have enough to pay for tuition in cash. I don't want the rest of my money to just sit in a 2% CD during 4+ years of school and am looking for some passive income for living expenses during school. 4 years is not a long enough time p...
by Tyler Aspect
Sat Feb 17, 2018 10:52 pm
Forum: Investing - Theory, News & General
Topic: Bond Fund Distributions as Interest Rates Rise
Replies: 3
Views: 806

Re: Bond Fund Distributions as Interest Rates Rise

I feel the yield of the intermediate term bond index fund might go up next year. That is the extent of my guess.
by Tyler Aspect
Sat Feb 17, 2018 7:12 pm
Forum: Investing - Help with Personal Investments
Topic: New Job, New Accounts/Transfers, New Allocations
Replies: 2
Views: 296

Re: New Job, New Accounts/Transfers, New Allocations

You have a number of high interest loans outstanding. I would recommend immediately starting paying back the 401k loan. Defer Roth IRA contributions until student loan #3 and #4 are paid off. Stop accumulating any new debt, etc.
by Tyler Aspect
Sat Feb 17, 2018 12:56 pm
Forum: Investing - Help with Personal Investments
Topic: Where to invest money first? Employer SIMPLE-IRA or taxable account?
Replies: 29
Views: 1311

Re: Where to invest money first? Employer SIMPLE-IRA or taxable account?

It appeared the least expensive options are the Equity Growth Fund (0.67%), and the Government Bond Fund (0.47%).
by Tyler Aspect
Fri Feb 16, 2018 1:56 pm
Forum: Investing - Help with Personal Investments
Topic: Stock vs Bond
Replies: 2
Views: 431

Re: Stock vs Bond

Stocks have variable return, while bonds over the long term have stable return. I have the plot of a period of historical performance for three sample portfolios (2004 - 2014). Portfolio 1 represents a typical young investor. Portfolio 2 represents a worker nearing retirement. Portfolio 3 represents...
by Tyler Aspect
Fri Feb 16, 2018 10:17 am
Forum: Investing - Help with Personal Investments
Topic: Which should I use short term corporate or longterm bond index money for roth IRA contribution
Replies: 7
Views: 648

Re: Which should I use short term corporate or longterm bond index money for roth IRA contribution

One more point. It is a good idea to turn off in your taxable accounts dividend and capital gains distribution reinvestment and have them go toward cash. Otherwise you could have an accidental wash sale situation when you try to realize a tax loss. Read up on wash sales in our Wiki. https://www.bogl...
by Tyler Aspect
Fri Feb 16, 2018 1:32 am
Forum: Investing - Help with Personal Investments
Topic: Which should I use short term corporate or longterm bond index money for roth IRA contribution
Replies: 7
Views: 648

Re: Which should I use short term corporate or longterm bond index money for roth IRA contribution

Hi folks, here is my dilemma. This may be our last Roth IRA contribution for retirement accounts. I have put my emergency money in short term corporate bond index which it lost around $300, while I also have total bond market index which it lost $800 in my brokerage accounts. Which of these I shoul...
by Tyler Aspect
Thu Feb 15, 2018 11:08 pm
Forum: Investing - Help with Personal Investments
Topic: Starting a new account
Replies: 6
Views: 644

Re: Starting a new account

I would like to start to build a new portfolio and I don’t know how to start. The most I can start with is $500 and who can I open an account with. Thank You Hi, this is an example $500 Three Funds portfolio at Fidelity. Assuming age 20 to age 30 or so. 4 shares ITOT (iShares S&P 1500 Index) $249.6...
by Tyler Aspect
Thu Feb 15, 2018 10:52 pm
Forum: Investing - Help with Personal Investments
Topic: Selecting Bonds
Replies: 3
Views: 613

Re: Selecting Bonds

A short term bond fund typically has duration of 3 years. An intermediate term bond fund typically has duration of 7 years. A long term bond fund might have a duration of 20 years. A bond fund's duration indirectly determines for how long you should own the bond fund without much selling. After a yi...
by Tyler Aspect
Thu Feb 15, 2018 10:42 pm
Forum: Investing - Help with Personal Investments
Topic: Exchanging SEP balances Vanguard to Vanguard
Replies: 1
Views: 179

Re: Exchanging SEP balances Vanguard to Vanguard

Hello all, I'm sure I'm not the only person hitting 50 and realizing he's way too heavy in stocks in retirement accounts. Is there anything I should be concerned about in exchanging a Target 2035 retirement (SEP) balance in-full to a new Target 2025 retirement (SEP) account? Sum approx 800K. Thanks...