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Third Son

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...

Third Son

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...

Third Son

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...

Third Son

You haven't mentioned how much she has saved currently. That may help us help you.

Third Son

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...

Third Son

Photography and the necessary travel that goes with it

Antique hand tools. I build furniture.

Third Son

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...

Third Son

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...

Third Son

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.

Will do!

Third Son

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!

Third Son

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.

Third Son

Retiring next week; age 60; $2.7M; Peace out.

Third Son

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...

Third Son

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...

Third Son

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...

Third Son

Thinking of moving to NH soon so maybe next year?

Third Son

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...

Third Son

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...

Third Son

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...

Third Son

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.

Third Son

Bonds are definitely knocking down my gains but still not bad returns overall. 15 days until retirement...

Third Son

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....

Third Son

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.

Third Son

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 ...

Third Son

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.

Third Son

Third Son wrote: ↑Tue Jan 28, 2020 7:11 am One upside of the slide is that I have automatically re-balanced

Third Son

One upside is that I have automatically re-balanced

Third Son

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.
Is that all? You must be heavy in bonds.....
30/70
Amen to this!

I was down 0.18% today. Praise the power of Wellesley.

Down a bit but not too concerned...

Third Son

Bluce wrote: ↑Mon Jan 27, 2020 7:12 pm I was down .28% today.

Is that all? You must be heavy in bonds.....

Third Son

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...

Third Son

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...

Third Son

The bull will end on March 1st. That is because I am retiring on February 29th

Third Son

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...

Third Son

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...

Third Son

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...

Third Son

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...

Third Son

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...

Third Son

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...

Third Son

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...

Third Son

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...

Third Son

Not in the accumulation phase anymore but it is sure fun watching you guys

Third Son

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...

Third Son

Thanks for the replies folks...kinda what I thought even though there is some ambiguity in my brain

Third Son

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...

Third Son

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.

Third Son

Still learning....

Third Son

..........................deleted...sorry double post

Third Son

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...

Third Son

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....

Third Son

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 ...

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