Search found 289 matches

by Third Son
Fri Feb 14, 2020 1:21 pm
Forum: Investing - Theory, News & General
Topic: Blog post: When You Were Born > Everything Else
Replies: 31
Views: 2733

Re: Blog post: When You Were Born > Everything Else

if you had invested from 1960-1980 and beaten the market by 5% each year, you would have made less money than if you had invested from 1980-2000 and underperformed the market by 5% a year. When You Were Born > Everything Else Posted February 13, 2020 by Michael Batnick I started investing in 1983 s...
by Third Son
Thu Feb 13, 2020 10:34 am
Forum: Personal Finance (Not Investing)
Topic: Yet another 2 -> 1 income thread
Replies: 50
Views: 4022

Re: Yet another 2 -> 1 income thread

Hi Bogleheads, I’m seeking the BH collective wisdom on our families situation & decision for my DW to stop working. This should be an easy decision but we’re both struggling coming to terms with it. DW has been with her megacorp 15 years and earns about $110k/yr, great low cost 401k and ESPP. I...
by Third Son
Tue Feb 11, 2020 9:10 pm
Forum: Personal Investments
Topic: Find a list of the best performing index funds
Replies: 35
Views: 3408

Re: Find a list of the best performing index funds

Welcome to the forum, grandcanyon. I think it might be necessary to clarify your question. Presumably, an investor chooses index funds because they are persuaded by the mountain of evidence supporting a low cost, passive buy-and-hold approach to investing as the most reliable way to capture the ret...
by Third Son
Tue Feb 11, 2020 12:56 pm
Forum: Personal Investments
Topic: Help choosing my GF portfolio please..
Replies: 17
Views: 1090

Re: Help choosing my GF portfolio please..

You haven't mentioned how much she has saved currently. That may help us help you.
by Third Son
Tue Feb 11, 2020 12:45 pm
Forum: Personal Investments
Topic: allocation and bond fund choice at age 58
Replies: 14
Views: 1413

Re: allocation and bond fund choice at age 58

PROFILE: Emergency funds: Yes Debt: None Tax Filing Status: Single (no children) Tax Rate: FED = 10% State of Residence: Iowa Age: 58 TAX ADVANTAGED STATUS: No IRAs, company plans or pensions available to me Desired Asset allocation: (see question below) Size of current total portfolio: -- low 6 fi...
by Third Son
Tue Feb 11, 2020 11:20 am
Forum: Personal Consumer Issues
Topic: What is your most luxury/expensive hobby.
Replies: 264
Views: 21154

Re: What is your most luxury/expensive hobby.

Photography and the necessary travel that goes with it :-)

Antique hand tools. I build furniture.
by Third Son
Tue Feb 11, 2020 9:34 am
Forum: Investing - Theory, News & General
Topic: Market Cycle Psychology
Replies: 50
Views: 4180

Re: Market Cycle Psychology

Jason Zweig had an article over weekend. People have been pouring into bond funds. Large money moving from equity into bonds. I don’t really get how you can quantify those flows. Anyhow, I want no part of bonds. So what effect are these flows having on prices? My guess based on eyeballing the price...
by Third Son
Tue Feb 11, 2020 9:25 am
Forum: Investing - Theory, News & General
Topic: Market Cycle Psychology
Replies: 50
Views: 4180

Re: Market Cycle Psychology

Jason Zweig had an article over weekend. People have been pouring into bond funds. Large money moving from equity into bonds. I don’t really get how you can quantify those flows. Anyhow, I want no part of bonds. So what effect are these flows having on prices? My guess based on eyeballing the price...
by Third Son
Mon Feb 10, 2020 1:22 pm
Forum: Investing - Theory, News & General
Topic: Whats your number to walk away?
Replies: 360
Views: 58015

Re: Whats your number to walk away?

Sandi_k wrote: Mon Feb 10, 2020 10:44 am
Third Son wrote: Sun Feb 09, 2020 3:51 pm Retiring next week; age 60; $2.7M; Peace out.
FANTASTIC! And congratulations. Make sure to give us a 1 month and 6 month update. :D
:sharebeer Will do!
by Third Son
Sun Feb 09, 2020 6:22 pm
Forum: Investing - Theory, News & General
Topic: Whats your number to walk away?
Replies: 360
Views: 58015

Re: Whats your number to walk away?

AerialWombat wrote: Sun Feb 09, 2020 4:43 pm
Third Son wrote: Sun Feb 09, 2020 3:51 pm Retiring next week; age 60; $2.7M; Peace out.
Is that the BH mic drop? :)

Congrats!
Yeah I guess.... I will continue to hang out here though... Thanks! :beer
by Third Son
Sun Feb 09, 2020 6:21 pm
Forum: Investing - Theory, News & General
Topic: Whats your number to walk away?
Replies: 360
Views: 58015

Re: Whats your number to walk away?

EnjoyIt wrote: Sun Feb 09, 2020 3:54 pm
Third Son wrote: Sun Feb 09, 2020 3:51 pm Retiring next week; age 60; $2.7M; Peace out.
Congrats.
Enjoy your freedom
Come back and post your experience.
Thanks. It's going to be weird for a while. :shock:
by Third Son
Sun Feb 09, 2020 3:51 pm
Forum: Investing - Theory, News & General
Topic: Whats your number to walk away?
Replies: 360
Views: 58015

Re: Whats your number to walk away?

Retiring next week; age 60; $2.7M; Peace out.
by Third Son
Fri Feb 07, 2020 8:13 pm
Forum: Personal Finance (Not Investing)
Topic: Couples w/ kids: What is/was the most expensive time period of your life?
Replies: 145
Views: 12377

Re: Couples w/ kids: What is/was the most expensive time period of your life?

Wife and I make so much more than we used to but life feels like it has more than kept us in check via expenses. I'm NOT talking lifestyle creep either, I think we lived far more "luxuriously" around 7-8 years ago than we do now. I chalk it up to kids mostly. I'm really hoping things will...
by Third Son
Fri Feb 07, 2020 3:05 pm
Forum: Investing - Theory, News & General
Topic: Any point in having FXAIX and FSKAX?
Replies: 4
Views: 2432

Re: Any point in having FXAIX and FSKAX?

Are you holding FXAIX in a Taxable account? FXAIX is a good fund. But if you prefer to hold just FSKAX, you could sell FXAIX and buy FSKAX. I wouldn’t sell FXAIX just to buy FSKAX in a taxable account if there is a large gain or any short term gain. If you don’t sell FXAIX immediately, you can turn...
by Third Son
Fri Feb 07, 2020 1:42 pm
Forum: Investing - Theory, News & General
Topic: It's all about accumulating shares?
Replies: 71
Views: 6674

Re: It's all about accumulating shares?

Basic math dictates that it doesn't matter if your are holding $X total market index and S+P goes up or down by Y%. Your total change should be based on the value you have invested. Individual stocks do not follow this concept since their price is based on several factors on how the specific company...
by Third Son
Thu Feb 06, 2020 1:57 pm
Forum: US Chapters
Topic: Vermont/New Hampshire Bogleheads?
Replies: 12
Views: 2229

Re: Vermont/New Hampshire Bogleheads?

Thinking of moving to NH soon so maybe next year? :-)
by Third Son
Thu Feb 06, 2020 1:53 pm
Forum: Investing - Theory, News & General
Topic: How much to hold in cash during retirement?
Replies: 51
Views: 5553

Re:

A person holding a balanced portfolio of stocks and bonds sells bonds to take withdrawals and to rebalance into more stocks. There is no selling of stocks when stocks are down. There is no need to hold cash in addition to the already planned asset allocation of stocks and bonds. In any case cash is...
by Third Son
Thu Feb 06, 2020 11:14 am
Forum: Investing - Theory, News & General
Topic: U.S. stocks continue to soar!
Replies: 12026
Views: 931069

Re: U.S. stocks continue to soar!

Bonds are definitely knocking down my gains but still not bad returns overall. 15 days until retirement... What the heck is wrong with you?!! If I learned anything from 80s buddy cop movies, now you're certain to be shot saving your partner's life in the next two weeks. I sure hope your life insura...
by Third Son
Thu Feb 06, 2020 7:19 am
Forum: Investing - Theory, News & General
Topic: U.S. stocks continue to soar!
Replies: 12026
Views: 931069

Re: U.S. stocks continue to soar!

Bonds are definitely knocking down my gains but still not bad returns overall. 15 days until retirement... Up what, 8% YTD? I will gladly take bond years like this. What bonds are you referring to? I am in total bond index FXNAX. Apologies, I meant the 1 year performance meaning one year ago to tod...
by Third Son
Thu Feb 06, 2020 5:35 am
Forum: Investing - Theory, News & General
Topic: U.S. stocks continue to soar!
Replies: 12026
Views: 931069

Re: U.S. stocks continue to soar!

z3r0c00l wrote: Wed Feb 05, 2020 11:04 pm
Third Son wrote: Wed Feb 05, 2020 6:58 pm Bonds are definitely knocking down my gains but still not bad returns overall. 15 days until retirement...
Up what, 8% YTD? I will gladly take bond years like this.
What bonds are you referring to? I am in total bond index FXNAX.
by Third Son
Wed Feb 05, 2020 6:58 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks continue to soar!
Replies: 12026
Views: 931069

Re: U.S. stocks continue to soar!

Bonds are definitely knocking down my gains but still not bad returns overall. 15 days until retirement...
by Third Son
Wed Feb 05, 2020 12:30 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks continue to soar!
Replies: 12026
Views: 931069

Re: U.S. stocks continue to soar!

gmaynardkrebs wrote: Wed Feb 05, 2020 12:27 pm
beehivehave wrote: Wed Feb 05, 2020 12:00 pm Good ole Cramer, the King of Pump and Dump. Booyah!
I find him amusing (but useless), but my wife cringes whenever she hears his voice.
Yes...I hate being yelled at by that "Louie CK" looking guy on CNBC.... :shock:
by Third Son
Tue Feb 04, 2020 7:20 am
Forum: US Chapters
Topic: Sad news: LadyGeek's husband has passed
Replies: 352
Views: 29036

Re: Sad news: LadyGeek's husband has passed

Just saw this now LG. I am so sorry for your unimaginable heartache and loss. Prayers to you and your family. I hope you find comfort in his memories and all the wonderful times you had together.
by Third Son
Sat Feb 01, 2020 12:08 pm
Forum: Personal Consumer Issues
Topic: I have a question for those in early FIRE or planning on early FIRE
Replies: 81
Views: 8413

Re: I have a question for those in early FIRE or planning on early FIRE

I have a question for those in early FIRE or planning on early FIRE. 5 years in, what you you see yourself doing daily? I get the excitement of it when it is new, but 5 years in what do you see an average day being like? It would be interesting to know how's old the ER folks are as that would have ...
by Third Son
Thu Jan 30, 2020 9:37 am
Forum: Personal Investments
Topic: What is the most aggressive Boglehead allocation for a Roth IRA?
Replies: 38
Views: 3843

Re: What is the most aggressive Boglehead allocation for a Roth IRA?

Days away from retirement, I have 100% of my Roth in Fidelity total stock index FSKAX. This adds into a total AA of 45/55 for all of my accounts. The Roth is about 10% of my portfolio.
by Third Son
Tue Jan 28, 2020 7:12 am
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 21201
Views: 2876558

Re: U.S. stocks in free fall

Third Son wrote: Tue Jan 28, 2020 7:11 am One upside of the slide is that I have automatically re-balanced :-)
by Third Son
Tue Jan 28, 2020 7:11 am
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 21201
Views: 2876558

Re: U.S. stocks in free fall

One upside is that I have automatically re-balanced :-)
by Third Son
Mon Jan 27, 2020 7:48 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 21201
Views: 2876558

Re: U.S. stocks in free fall

AerialWombat wrote: Mon Jan 27, 2020 7:41 pm
Bluce wrote: Mon Jan 27, 2020 7:27 pm
Third Son wrote: Mon Jan 27, 2020 7:20 pm
Bluce wrote: Mon Jan 27, 2020 7:12 pm I was down .28% today. :shock:
Is that all? You must be heavy in bonds.....
30/70 :beer
Amen to this!

I was down 0.18% today. Praise the power of Wellesley. :moneybag
Down a bit but not too concerned...
by Third Son
Mon Jan 27, 2020 7:20 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 21201
Views: 2876558

Re: U.S. stocks in free fall

Bluce wrote: Mon Jan 27, 2020 7:12 pm I was down .28% today. :shock:
Is that all? You must be heavy in bonds.....
by Third Son
Mon Jan 27, 2020 9:20 am
Forum: Personal Investments
Topic: help us find good charities
Replies: 20
Views: 683

Re: help us find good charities

My charitable donations every year goes to a local food bank. Of the money donated, over 99% goes to purchasing food for those most vulnerable in our community. The food bank's purchasing power is around 5x what I could buy on my own. I find this a great use of my charitable funds....plus I get a mo...
by Third Son
Fri Jan 24, 2020 7:19 am
Forum: Investing - Theory, News & General
Topic: Larry Swedroe says "Goodbye."
Replies: 445
Views: 70343

Re: Larry Swedroe says "Goodbye."

Without realizing it, I had prescribed to the passive investing philosophy in my accumulation phase. I pumped money into the 401(k) and kept upping the amount contributed without batting an eye. I never looked at my balances until I was ~ 1 year out from retirement. I had a small portion of my portf...
by Third Son
Wed Jan 22, 2020 8:34 pm
Forum: Personal Investments
Topic: Last gasp of the bull
Replies: 118
Views: 18400

Re: Last gasp of the bull

The bull will end on March 1st. That is because I am retiring on February 29th :oops:
by Third Son
Wed Jan 22, 2020 12:14 pm
Forum: Investing - Theory, News & General
Topic: [Fidelity Health Savings Account Mega-Thread]
Replies: 1099
Views: 128174

Re: [Fidelity Health Savings Accounts Mega-Thread]-QUERY

As has also been pointed out, you should almost never use distributions from a traditional IRA or any other tax-advantaged account to make HSA contributions unless you have no other sources of money to make those contributions. You are giving up the benefit of receiving a deduction for the HSA cont...
by Third Son
Wed Jan 22, 2020 11:59 am
Forum: Investing - Theory, News & General
Topic: [Fidelity Health Savings Account Mega-Thread]
Replies: 1099
Views: 128174

Re: [Fidelity Health Savings Accounts Mega-Thread]-QUERY

I am set to retire on Feb 29th 2020. All of my investment assets are with Fidelity (IRA, Roth IRA). In retirement, I will be in a HDHCP and as such, I believe I am eligible to contribute to an HSA. I opened an HSA account at Fidelity this morning but have not yet funded it since my HDHCP starts Mar...
by Third Son
Wed Jan 22, 2020 11:24 am
Forum: Investing - Theory, News & General
Topic: [Fidelity Health Savings Account Mega-Thread]
Replies: 1099
Views: 128174

Re: [Fidelity Health Savings Accounts Mega-Thread]-QUERY

I am set to retire on Feb 29th 2020. [. . .] In retirement, I will be in a HDHCP and as such, I believe I am eligible to contribute to an HSA. Does your new insurance have the word "HSA" prominently displayed in its name ? If not, you will want to call the insurer and confirm that it is a...
by Third Son
Wed Jan 22, 2020 10:00 am
Forum: Investing - Theory, News & General
Topic: [Fidelity Health Savings Account Mega-Thread]
Replies: 1099
Views: 128174

Re: [Fidelity Health Savings Accounts Mega-Thread]-QUERY

Good morning all, I have to admit I did not read this entire thread, but have done some research into my situation at Fidelity and other searched sources. I am set to retire on Feb 29th 2020. All of my investment assets are with Fidelity (IRA, Roth IRA). In retirement, I will be in a HDHCP and as s...
by Third Son
Wed Jan 22, 2020 9:29 am
Forum: Investing - Theory, News & General
Topic: [Fidelity Health Savings Account Mega-Thread]
Replies: 1099
Views: 128174

Re: [Fidelity Health Savings Accounts Mega-Thread]-QUERY

Good morning all, I have to admit I did not read this entire thread, but have done some research into my situation at Fidelity and other searched sources. I am set to retire on Feb 29th 2020. All of my investment assets are with Fidelity (IRA, Roth IRA). In retirement, I will be in a HDHCP and as s...
by Third Son
Wed Jan 22, 2020 8:54 am
Forum: Investing - Theory, News & General
Topic: [Fidelity Health Savings Account Mega-Thread]
Replies: 1099
Views: 128174

Re: [Fidelity Health Savings Accounts Mega-Thread]-QUERY

Good morning all, I have to admit I did not read this entire thread, but have done some research into my situation at Fidelity and other searched sources. I am set to retire on Feb 29th 2020. All of my investment assets are with Fidelity (IRA, Roth IRA). In retirement, I will be in a HDHCP and as s...
by Third Son
Wed Jan 22, 2020 8:00 am
Forum: Investing - Theory, News & General
Topic: [Fidelity Health Savings Account Mega-Thread]
Replies: 1099
Views: 128174

[Fidelity Health Savings Accounts Mega-Thread]-QUERY

Good morning all, I have to admit I did not read this entire thread, but have done some research into my situation at Fidelity and other searched sources. I am set to retire on Feb 29th 2020. All of my investment assets are with Fidelity (IRA, Roth IRA). In retirement, I will be in a HDHCP and as su...
by Third Son
Sat Jan 18, 2020 8:45 am
Forum: Personal Investments
Topic: changing AA as one approaches their "number"
Replies: 8
Views: 863

Re: changing AA as one approaches their "number"

In my experience, you will enjoy your job right up until the moment when you don't I really loved my job and the folks I worked with. However, shortly after I hit my number, the little things (the travel, the increased tech demands and some of the office politics) suddenly had me saying"why am...
by Third Son
Fri Jan 17, 2020 8:58 am
Forum: Investing - Theory, News & General
Topic: U.S. stocks continue to soar!
Replies: 12026
Views: 931069

Re: U.S. stocks continue to soar!

Not in the accumulation phase anymore but it is sure fun watching you guys :-) :greedy
by Third Son
Thu Jan 16, 2020 6:40 am
Forum: Investing - Theory, News & General
Topic: Does Windows 7 void your Vanguard fraud reimbursement?
Replies: 69
Views: 5170

Re: Does Windows 7 void your Vanguard fraud reimbursement?

I just upgraded my Windows 7 PC to Windows 10 Pro last night using the free download link provided by Microsoft. I first imaged my operating system in case it didn't work and then went through the install (downloaded to USB drive). It was an almost seamless transition except for a couple of re-regis...
by Third Son
Wed Jan 15, 2020 8:18 am
Forum: Investing - Theory, News & General
Topic: Hypothetical Bond Fund Question
Replies: 7
Views: 493

Re: Hypothetical Bond Fund Question

Thanks for the replies folks...kinda what I thought even though there is some ambiguity in my brain :confused
by Third Son
Tue Jan 14, 2020 10:40 am
Forum: Investing - Theory, News & General
Topic: Hypothetical Bond Fund Question
Replies: 7
Views: 493

Hypothetical Bond Fund Question

Good Morning, Say I want to invest in Fidelity's Total Bond index fund (FXNAX) and put $1M in the Fund in January. My "imaginary friend" Invests $1M in September. Knowing that the fund prospectus states: Dividends and Capital Gain Distributions ........The fund normally pays capital gain d...
by Third Son
Sat Jan 11, 2020 8:15 am
Forum: Investing - Theory, News & General
Topic: Has anyone read 'How Money Became Dangerous?'
Replies: 8
Views: 1841

Re: Has anyone read 'How Money Became Dangerous?'

There is a lot of noise even in this forum that wavers from the Boglehead's core tenets. But there are also an untapped wealth of good information to be gleaned. The basis for sound investment is unchanged.
by Third Son
Fri Jan 10, 2020 4:39 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks continue to soar!
Replies: 12026
Views: 931069

Re: U.S. stocks continue to soar!

Still learning....
by Third Son
Fri Jan 10, 2020 10:27 am
Forum: Investing - Theory, News & General
Topic: Value of Active and Ongoing Reading of the Bogleheads Forums
Replies: 104
Views: 9431

Re: Value of Active and Ongoing Reading of the Bogleheads Forums

..........................deleted...sorry double post
by Third Son
Fri Jan 10, 2020 10:25 am
Forum: Investing - Theory, News & General
Topic: Value of Active and Ongoing Reading of the Bogleheads Forums
Replies: 104
Views: 9431

Re: Value of Active and Ongoing Reading of the Bogleheads Forums

Having not been solidly in the market over my working career but saving dutifully in my workplace 401(K) and maximizing my savings over the years, I am now days away from retirement. I have to admit I was a bit overwhelmed when I first realized I had to make my life's savings last the rest of mine a...
by Third Son
Thu Jan 09, 2020 8:43 am
Forum: Personal Investments
Topic: Taking over from my financial planner
Replies: 17
Views: 2133

Re: Taking over from my financial planner

You can move your funds to brokerages like Vanguard, Fidelity or Schwab in-kind and then do the manipulations yourself with little to no cost. I did this with Fidelity since my company works directly with them for my 401(k). Do not let your financial advisor in on this until all the funds are moved....
by Third Son
Wed Jan 08, 2020 8:50 pm
Forum: Personal Investments
Topic: Does anyone own FSDAX Defense fund?
Replies: 34
Views: 1730

Re: Does anyone own FSDAX Defense fund?

Cramer said that since tensions are rising in the Middle East that Defense is good right now. I looked at FSDAX and it seems to be heading up. Does anyone own this? I'm thinking of putting it in my Roth for a while. Any of the select funds in fidelity are by nature a higher risk. That was language ...