Bogleheads.org

Third Son

OK so that was unexpected. Glad I didn't do anything

Third Son

I did nothing 'cuz I'm retired and don't bother about such things

or

Third Son

viewtopic.php?f=2&t=57154

This might help

Third Son

I was planning on rebalancing down from 45/55 to 40/60.. The market has done that for me... Yawn.

Third Son

Good sentiments in this thread, but before you feel too good about this, put this "Crash" into perspective. I'd hesitate to call the current market event a "crash." We've had a correction that has (so far) lasted about a week. The financial crisis crash (and that was a *real* cr...

Third Son

Retired yesterday. Two years of cash to live off of. Took a hit last week as did everyone. Am I worried? A bit, but I have been here before. Currently at 40/60 but that was a consequence of the hit on equities. I will leave it there and see how it goes. Still trying to get over the fact that I don't...

Third Son

I'm still getting 2% yield so far YTD. Will the 10 year Treasury affect my FXNAX bond fund? Why would anyone invest in a 10 year Treasury note for 1~% when they can invest in a bond fund like the Fidelity FNBGX Long Term bond fund that YTD has gotten 7.50%? I was invested in FNBGX before I schooled...

Third Son

I started investing in 2010. I never have been tested in a significant, concerning market cycle like the tech bubble or the Great Recession. However, I did my homework and internalized the buy and hold long term investor should expect harrowing times. you should have stopped here Odds are if you tu...

Third Son

Not exactly sure what qualifies as winning the game but as I become eligible for SS later this year, it feels like I have. So then the question becomes, what is that level of more risk than is needed that it would be unwise to take? You don't know what winning is, but you think you have? How would ...

Third Son

I like bonds.... They make me happy.

Third Son

Well today is my official retirement day. I feel pretty good about our situation since we have two years of cash saved and will be receiving a lump sum pension in about six weeks. My 401k/IRA has taken a hit (as has everyone's) over the past week but I am at 45/55 so it hasn't been too harrowing. W...

Third Son

Being a "Millionaire" isn't what it used to be. So true. We could almost say “Billionaire” is the new “Millionaire” in how it used to be perceived. It takes a 1,000 millions to make one billion, so I don't know if I would say a "Billionaire" is the new "Millionaire", b...

Third Son

Why are there so many of these threads in a forum based upon sound principles and historical data?

Third Son

You won't be successful at this unless you leave your money alone. Playing with it constantly will only end in defeat. Maybe you should put all of your money in a money market and leave it at that. Investing seems too stressful for you.

Third Son

At this point I'm calculating the tax burden of selling everything and going back to cash versus staying in and going through a drop of 20%+. For me, as a new investor, it's safer to pull out now and get everything back to cash. I'm limiting my upside for the next couple weeks, but based on how thi...

Third Son

Friends, I indulged in some market-timing-lite today. I put in my entire Roth contribution for 2019 today based on the state of the market. (To be fair, I did not really have a plan for when to put in the order, but this put a fire under me.) Impossible to know if this was a good move or a bad move...

Third Son

OK I will ask this question since I already did a search and nothing I was useful to my specific case. My income for the first two months is $40K. I want to make a conversion up to the 12% bracket which is $103,500 or so ( i know it changed slightly..MFJ). Can I make a $60K conversion and just pay ...

Third Son

OK I will ask this question since I already did a search and nothing I was useful to my specific case. My income for the first two months is $40K. I want to make a conversion up to the 12% bracket which is $103,500 or so ( i know it changed slightly..MFJ). Can I make a $60K conversion and just pay t...

Third Son

Silk McCue wrote: ↑Fri Feb 28, 2020 8:16 am Take a look at this current thread on the subject.

Should we use the coronavirus drop to do Roth conversion?

Cheers

Thanks....I actually looked for a recent thread and couldn't find one. Appreciate the reply....

Third Son

Bogleheads : is anyone considering accelerated Roth conversions now that the market is a bit lower? This would give a discounted tax implication for monies wandering over from an IRA.

Third Son

Wife had some RSUs vest today, unfortunately we really wanted to use some of it immediately. They're going to be sold to buy into our AA now and we're putting the original plans on hold. That said, we netted approximately 58.7% of the granted shares after the tax withholding which is controlled by ...

Third Son

The Coronavirus hype is being over blown by the media with their non-stop fear . I'm not saying there shouldn't be concern but really the bunker mentally is getting overplayed. I would guess that the whole Coronavirus FEAR hype bunker mentally will get played for another couple of weeks and when al...

Third Son

Risk showing up very fast after such a nice stretch. Stocks are real risky. Bonds yields are anemic and stocks are tanking. Would hate to be a retiree right now. No where to hide. Are we just getting started into a terrible bear or will this blow over by summer as if nothing happened? In either cas...

Third Son

Adding with new money is usually preferable. That is more Bogle- heady.

Third Son

Well today is my official retirement day. I feel pretty good about our situation since we have two years of cash saved and will be receiving a lump sum pension in about six weeks. My 401k/IRA has taken a hit (as has everyone's) over the past week but I am at 45/55 so it hasn't been too harrowing. Wh...

Third Son

I have a Fidelity 401k. You can move funds within the brokerage free of charge. If you decide then to move it back within 30 days, you will be flagged for a round trip transaction. They will limit your ability to do future trades by having you wait longer times between transactions.

Third Son

I think I am realizing that having a high percentage of bonds is good for when there are down turns, BUT they also drag down your appreciation during good times. So being 100% equity would mean that you would "lose" more during severe down turns but you'd also MAKE more during upturns? Is...

Third Son

It sounds like the OP is spooked about the uncertainties of a possible pandemic. He wants to preserve his 401K the best he knows how. In his case, he is more concerned with preservation rather than missing out on potential future gains. Say he had 1.075M in his 401k that went to 1.0M in three days ...

Third Son

Bonds yields have plummeted. Unless you’re buying on the really short end of the curve and holding to maturity, you are risking principal should bond yields go back up. Basically, you’re buying at a high for duration treasuries. High yield should follow stocks down. I might sell off my Internationa...

Third Son

vipertom1970 wrote: ↑Wed Feb 26, 2020 10:19 am For me the best way to prepare for big market drop is not AA, it’s having no mortgage, no debt, low expenses and having at least two years of EF. My portfolio dropped close to 200k last couple days but I din’t even break a sweat or panic at all.

^^^This

Third Son

A good idea for a thread :beer I have recently retired (1 month ago) so no longer accumulate any funds (just spending the money 8-) ), so I am watching all this turmoil with interest as it is a "first" for me. However I have no intention of changing my AA (currently 43/57) as this will ev...

Third Son

I think this may be good news for poor folks like myself in accumulation phase with only $42k invested. If we get down to S&P 1000 points and everything is good again I can buy cheap until I retire in 20 years! YES!!! That's true. Also a great test of discipline. Better to experience the first ...

Third Son

mentos wrote: ↑Tue Feb 25, 2020 5:25 pm I feel like this is the only forum on the internet that recommends any amount of bonds at our age. I'm 36 and 100% stocks. I had bonds from 2009-2019 and missed out on a LOT of gains while my peers made hundreds of thousands.

Isn't back-testing fun?

Third Son

I've got an extra $3400 in cash in Fidelity (I know chump change for most of you!) . Should I put it into Fidelity Select Gold mutual fund or just buy $3400 of Total Market? Or just buy some GLD shares? Thanks Don't ever think that your investments are chump change. They all contribute something me...

Third Son

I heard somewhere that REITs are now a good investment compared to Bonds. Is that true or should I just stick with my FXNAX Bond fund? I heard somewhere that they were a good alternative to bond funds because bonds weren't doing so good nowadays. I have both FXNAX and REITS in my portfolio.. I am g...

Third Son

This post should be titled "six of one, half a dozen of the other." Aren't we splitting hairs?

Third Son

Well that was insightful....

Third Son

I retired last week. Maybe I should un-retire?...

Naw that's nuts!

Third Son

YTD, the U.S. stock market is up by 5.2%, Long Treasuries up by 7.6%, and Gold by 6.2%. These assets are normally negatively correlated, but they are all flying up together. Seems crazy. Is it time to step aside? I am staying put because any movement would be irrational. My holdings seem to be pret...

Third Son

thelateinvestor43 wrote: ↑Fri Feb 21, 2020 12:31 pm
Bluce wrote: ↑Fri Feb 21, 2020 10:08 am Treasuries are way up!!
Does that mean my FXNAX fund will do good today?!

10 year treasuries up 0.5%

Third Son

OP, I guess you are talking about me. A) 40% 3-funds B) 40% Wellington Fund C) 20% Mini-Larry -> 10% SCV and 10% Intermediate-Term Treasury. I do not like the 3-funds strategy. It is overly complicated and rebalancing is required. I am forced into 3-funds because 45% of my portfolio is in the taxab...

Third Son

Third Son, There are only 2 companies that I trust in active management: A) Wellington fund and Wellesley fund B) BRK.A and BRK.B -> Warren Buffett's company. KlangFool Has Wellington been worth the expense ratio they charge? Granted it isn't exorbitant but 0.25% is higher than I would like to pay....

Third Son

OP, I guess you are talking about me. A) 40% 3-funds B) 40% Wellington Fund C) 20% Mini-Larry -> 10% SCV and 10% Intermediate-Term Treasury. I do not like the 3-funds strategy. It is overly complicated and rebalancing is required. I am forced into 3-funds because 45% of my portfolio is in the taxab...

Third Son

OP, I guess you are talking about me. A) 40% 3-funds B) 40% Wellington Fund C) 20% Mini-Larry -> 10% SCV and 10% Intermediate-Term Treasury. I do not like the 3-funds strategy. It is overly complicated and rebalancing is required. I am forced into 3-funds because 45% of my portfolio is in the taxab...

Third Son

OP, I guess you are talking about me. A) 40% 3-funds B) 40% Wellington Fund C) 20% Mini-Larry -> 10% SCV and 10% Intermediate-Term Treasury. I do not like the 3-funds strategy. It is overly complicated and rebalancing is required. I am forced into 3-funds because 45% of my portfolio is in the taxab...

Third Son

OP, I guess you are talking about me. A) 40% 3-funds B) 40% Wellington Fund C) 20% Mini-Larry -> 10% SCV and 10% Intermediate-Term Treasury. I do not like the 3-funds strategy. It is overly complicated and rebalancing is required. I am forced into 3-funds because 45% of my portfolio is in the taxab...

Third Son

Are most people actually buying Treasuries or other types of bonds on the market (meaning they own the bonds), or are they just investing in a general bond fund/ETF, such as BND or VBMFX or FXNAX or MUB (muni bond fund)? If a Bond fund, how do those work, are the bond fund managers constantly buyin...

Third Son

Thursday....

Third Son

Absolutely do it now. A couple of months won't matter. It will be there compounding for a while before you need it.

Third Son

Around age 30 with 10% bonds. Now retired at 60, I am at 50/50.

Search found 289 matches