Search found 4631 matches

by Noobvestor
Tue Feb 06, 2018 1:09 am
Forum: Investing - Theory, News & General
Topic: Bitcoin in Freefall
Replies: 168
Views: 20493

Re: Bitcoin in Freefall

Went to Subway to buy a sub with bitcoin. By the time I got there all I could afford was a bag of chips.... Haha. Just kidding. Real businesses don't take bitcoin. You mean like Overstock.com, Microsoft, Expedia.com, Whole Foods, and Dish Network? I'm not a Bitcoin proponent, but let's get the fact...
by Noobvestor
Tue Feb 06, 2018 1:01 am
Forum: Investing - Theory, News & General
Topic: Short NVDA?
Replies: 11
Views: 1134

Re: Short NVDA?

whodidntante wrote:
Tue Feb 06, 2018 12:26 am
In the address bar of my browser, it says www.bogleheads.org. What does your say?
:shock: :o :P

You go long, I'll go short ... touchdown1
by Noobvestor
Tue Feb 06, 2018 12:07 am
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 6639
Views: 1434779

Re: U.S. stocks in freefall

Japanese stocks down 7% overnight so far - is there a thread for that?!
by Noobvestor
Tue Feb 06, 2018 12:06 am
Forum: Investing - Theory, News & General
Topic: Bitcoin in Freefall
Replies: 168
Views: 20493

Re: Bitcoin in Freefall

Nate79 wrote:
Tue Feb 06, 2018 12:00 am
Went to Subway to buy a sub with bitcoin. By the time I got there all I could afford was a bag of chips....

Haha. Just kidding. Real businesses don't take bitcoin.
:sharebeer
by Noobvestor
Mon Feb 05, 2018 11:09 pm
Forum: Investing - Theory, News & General
Topic: Bitcoin in Freefall
Replies: 168
Views: 20493

Re: Bitcoin in Freefall

As of 2/5/2018, 9:51 p.m. coindesk.com is showing Bitcoin at $6,486.10. I was curious to see the change in price at coindesk from nis' post, but then became even more curious about the ads at the bottom! Conspiracy theories, mixed messages, the works. Forget bitcoin! Forget cryptos! Who wants to be...
by Noobvestor
Mon Feb 05, 2018 8:13 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 6639
Views: 1434779

Re: U.S. stocks in freefall

are we expecting another dumpster fire mañana as well ? International didn't save the day in 2000-2002 nor in 2008-2009 either. Many argue that international markets are becoming increasingly interdependent, leading to returns being more strongly correlated now than in the past. i'm quite disappoin...
by Noobvestor
Mon Feb 05, 2018 7:51 pm
Forum: Investing - Help with Personal Investments
Topic: Rebalance after today's drop?
Replies: 32
Views: 4700

Re: Rebalance after today's drop?

Newbie question here: After today's drop, I'm reading of some people rebalancing to a higher bond allocation. Is rebalancing during a drop considered a deviation of "stay the course?" Or is "stay the course" aimed at those wanting to sell? I'm currently at 60/40 and a little bummed out after today,...
by Noobvestor
Mon Feb 05, 2018 4:11 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 6639
Views: 1434779

Re: U.S. stocks in freefall

vanguard.com is down.... Yes it is....sigh...great timing. there's a market timing joke in here somewhere... Actually, I find all of these comments about buying today to be quite funny. The Boglehead philosophy says "don't time the market," yet many here are shoving far more into the market today t...
by Noobvestor
Mon Feb 05, 2018 4:01 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 6639
Views: 1434779

Re: U.S. stocks in freefall

Helo80 wrote:
Mon Feb 05, 2018 3:56 pm
eye.surgeon wrote:
Mon Feb 05, 2018 3:51 pm
vanguard.com is down....I'm guessing a lot of sellers. I'd like to think it's too many buyers, but the markets suggest otherwise.

Wow.... I submitted a buy order for TSM.... glad I did not wait to the last minute on this.
And that's it folks, ding ding ding! No more for today!
by Noobvestor
Mon Feb 05, 2018 2:37 am
Forum: Investing - Help with Personal Investments
Topic: I've never rebalanced - Can I do ok without it?
Replies: 35
Views: 4537

Re: I've never rebalanced - Can I do ok without it?

Gnirk wrote:
Sun Feb 04, 2018 11:54 pm
Not planning to rebalance, (over 90% of my portfolio is in taxable) but then I didn't have a high percentage to equities to begin with.
I'm mostly taxable too, so I rebalance a bit in tax-advantaged, but also use dividends - it's worked out well so far.
by Noobvestor
Sat Feb 03, 2018 7:59 pm
Forum: Investing - Help with Personal Investments
Topic: What Would You Do With $100,000 Right Now
Replies: 28
Views: 3128

Re: What Would You Do With $100,000 Right Now

If you have an IPS that specifies your glide path should change based on total portfolio value, and this trips one of the thresholds, follow the rules you wrote down for yourself. If your glide path is age-based, put this in your portfolio as you would any other amount of money. Either way, take thi...
by Noobvestor
Sat Feb 03, 2018 1:41 am
Forum: Investing - Theory, News & General
Topic: Alan Greenspan says there are bubbles in both stocks and bonds
Replies: 87
Views: 8634

Re: Alan Greenspan says there are bubbles in both stocks and bonds

Nis covered things well, but a few more thoughts: I wonder if the Fed really controls long term interest rates. Even if they did (they don't), why would you care if you were holding a normal (short or intermediate duration) bond fund like most investors? I wonder what would happen if we had a spike ...
by Noobvestor
Fri Feb 02, 2018 5:25 pm
Forum: Investing - Help with Personal Investments
Topic: Finally going to invest, brother is FA
Replies: 89
Views: 7081

Re: Finally going to invest, brother is FA

Agree with the above - if you want more detailed feedback, provide us with his proposed portfolio. That said, I feel bad for you and for your brother. You're going to have to turn him down for your financial health, but also face a tough question: do you tell him that he is working for an unethical ...
by Noobvestor
Fri Feb 02, 2018 4:31 pm
Forum: Investing - Theory, News & General
Topic: U.S. bonds in freefall
Replies: 33
Views: 5714

Re: U.S. bonds in freefall

Thanks, I'll go ahead and do it then. I am actually excited to see yields finally creeping up. Which is making it harder for me to pull the trigger on EE Bonds this year. If I had bought EE bonds about a year ago like some here were recommending, I'd be nervous at this point. That 3.53% yield for a...
by Noobvestor
Thu Feb 01, 2018 6:27 pm
Forum: Personal Consumer Issues
Topic: [What TV Show Have You Recently Watched?]
Replies: 694
Views: 75125

Re: Netflix, Your Current Favorite Show

Dark is amazing. Ideally, switch to German w/English subtitles to watch. Also, try to get through an episode and a half before deciding to drop it - the first episode doesn't even really reveal the nature of the series, though it does open some interesting questions. I totally agree this series was...
by Noobvestor
Thu Feb 01, 2018 6:24 pm
Forum: Investing - Theory, News & General
Topic: Stocks/Bonds relationship
Replies: 10
Views: 826

Re: Stocks/Bonds relationship

Here is a classic thread by Robert T analyzing the 'Diversifying Power of Long-Term Treasuries' - it's worth checking out: https://www.bogleheads.org/forum/viewtopic.php?p=27634&highlight=#27634 The main focus is on how safe Treasury bonds have reacted during various big downturns. The 'sweet spot' ...
by Noobvestor
Wed Jan 31, 2018 7:44 pm
Forum: Investing - Theory, News & General
Topic: Wow: Shiller PE is 34.52
Replies: 52
Views: 6777

Re: Wow: Shiller PE is 34.52

Trailing earnings yield is 3.79%. 2 year treasury yield is 2.11% Your choice if that's worth the risk. It's looking less and less like it. I was 75/25 US/international a couple years ago but have transitioned to 60/40 now. Was contemplating a move to 50/50. 50/50 is a nice place to be IMHO. Half-an...
by Noobvestor
Wed Jan 31, 2018 7:39 pm
Forum: Investing - Help with Personal Investments
Topic: Why do many bogleheads feel they can time the housing market but can't time the stock market?
Replies: 63
Views: 5130

Re: Why do many bogleheads feel they can time the housing market but can't time the stock market?

Statements such as: "I'm going to rent for now and wait for the market to crash before I buy a home". I see these sentiments specifically for VHCOL locations such as SF, LA, NYC. VHCOL resident here, checking in. I don't know that I've seen a lot of comments like that example, but I'll give you my ...
by Noobvestor
Wed Jan 31, 2018 2:22 am
Forum: Investing - Theory, News & General
Topic: Wow: Shiller PE is 34.52
Replies: 52
Views: 6777

Re: Wow: Shiller PE is 34.52

Trailing earnings yield is 3.79%. 2 year treasury yield is 2.11% Your choice if that's worth the risk. It's looking less and less like it. I was 75/25 US/international a couple years ago but have transitioned to 60/40 now. Was contemplating a move to 50/50. 50/50 is a nice place to be IMHO. Half-an...
by Noobvestor
Mon Jan 29, 2018 2:59 pm
Forum: Investing - Theory, News & General
Topic: The ''Bulletproof'' Wait and See Portfolio - Anti-Inflation and Minimum Risk
Replies: 52
Views: 6562

Re: The ''Bulletproof'' Wait and See Portfolio - Anti-Inflation and Minimum Risk

Assuming that you want to preserve your capital with a 4% average annual return, here is the allocation using ETFs: TLT = 25% VTI = 10% GLD = 5% CASH = 60% I'd be surprised if this returned 4% nominal, let alone 4% real. Vanguard is projecting 4% or so for a 60/40 stock/bond over the next decade. H...
by Noobvestor
Mon Jan 29, 2018 1:43 pm
Forum: Investing - Theory, News & General
Topic: Larry Swedroe: Rising Rates Increase Worries
Replies: 86
Views: 13901

Re: Larry Swedroe: Rising Rates Increase Worries

The four alternative funds ... The four alternatives we use are the AQR Style Premia Alternative Fund (QSPRX) and three funds from Stone Ridge (LENDX, SRRIX and AVRPX). We believe that an equal-weighted portfolio of these four funds has forward-looking return expectations similar to that of a globa...
by Noobvestor
Sat Jan 27, 2018 11:55 pm
Forum: Investing - Theory, News & General
Topic: Starting to feel like the late 1990s?
Replies: 145
Views: 13601

Re: Starting to feel like the late 1990s?

Shiller called Housing in Bubble in 2003. Shiller called Stock market bubble July 2015. Shiller is supposed to be source of 'Irrational exuberance' by Greenspan in 1996. Listening to armchair economists can be injurous to your wealth. Is it different this time, who knows, but we have not had such l...
by Noobvestor
Sat Jan 27, 2018 6:16 pm
Forum: Investing - Theory, News & General
Topic: Larry Swedroe: Rising Rates Increase Worries
Replies: 86
Views: 13901

Re: Larry Swedroe: Rising Rates Increase Worries

The four alternative funds ... The four alternatives we use are the AQR Style Premia Alternative Fund (QSPRX) and three funds from Stone Ridge (LENDX, SRRIX and AVRPX). We believe that an equal-weighted portfolio of these four funds has forward-looking return expectations similar to that of a global...
by Noobvestor
Wed Jan 24, 2018 9:43 pm
Forum: Investing - Theory, News & General
Topic: Any logic to picking multiple target date funds?
Replies: 16
Views: 1454

Re: Any logic to picking multiple target date funds?

No logic I can see. The idea is that Target Date funds provide a built-in glide path so you don't have to worry about moving toward safer assets as you approach/enter retirement. If you stacked a bunch of them, you'd effectively be taking the 'average' of the group, I think. So if you bought a Targe...
by Noobvestor
Tue Jan 23, 2018 2:14 pm
Forum: Investing - Help with Personal Investments
Topic: Am I being greedy?
Replies: 51
Views: 6480

Re: Am I being greedy?

My plan is to get to $2M and then re-evaluate Stick To Your Plan. If your risk tolerance is 100% equities through bull and bear markets, Go For It. Let Us Know When You Reach Your Milestone. :thumbsup :thumbsup Of course, it's always possible that by failing to diversify, this target amount will ne...
by Noobvestor
Tue Jan 23, 2018 2:05 pm
Forum: Investing - Help with Personal Investments
Topic: A 4-5% rebalance to bonds barely budges risk/return
Replies: 43
Views: 3785

Re: A 4-5% rebalance to bonds barely budges risk/return

I rebalanced today - just 62/38 back to 60/40. It's not called for in my IPS, but permitted. As I see it, that's 2% of my portfolio that is now on the 'safe' side of things. Feels good looking at the dollar value - 'whew, I don't have to worry about that money' - even though it's just a small percent.
by Noobvestor
Mon Jan 22, 2018 11:12 pm
Forum: Investing - Theory, News & General
Topic: Small Value Premium - How Do You View It?
Replies: 95
Views: 7748

Re: Small Value Premium - How Do You View It?

The is no magical reason why small and value companies should outperform. There were casual reasons. Just because there were casual reasons in the past does not mean that these casual reasons will hold tommorow. No magical reason, that's true. But either you believe small and value companies are ri...
by Noobvestor
Mon Jan 22, 2018 11:03 pm
Forum: Investing - Help with Personal Investments
Topic: Am I being greedy?
Replies: 51
Views: 6480

Re: Am I being greedy?

I used to kayak with an olympic level kayaker. One time, when we were scouting a class 5 rapid, I asked him if he thought I might die if I tried running it. His reply was "If you think you might die, you probably will." Wise advice. If you think you might be greedy, you probably are. (btw, I just n...
by Noobvestor
Mon Jan 22, 2018 7:49 pm
Forum: Investing - Help with Personal Investments
Topic: Am I being greedy?
Replies: 51
Views: 6480

Re: Am I being greedy?

Fellow veteran noob here checking in. It's not an all-or-nothing proposition. You can establish a glide path that takes both age and distance to goal into account. For example, you might go to 20% bonds now, and 30% when you hit $X, then 40% when you hit $Y, etc... As for physical assets: I don't th...
by Noobvestor
Mon Jan 22, 2018 7:39 pm
Forum: Investing - Theory, News & General
Topic: Vanguard chief says "You will never see a bitcoin fund from us"
Replies: 33
Views: 3029

Re: Vanguard chief says "You will never see a bitcoin fund from us"

whodidntante wrote:
Mon Jan 22, 2018 7:37 pm
Bogle initially rejected ETFs. Now Vanguard is playing catch up to Blackrock.
Hmmm. I thought they were ahead of the game by patenting the use of ETFs as a share class of mutual funds.
by Noobvestor
Mon Jan 22, 2018 7:22 pm
Forum: Investing - Theory, News & General
Topic: Small Value Premium - How Do You View It?
Replies: 95
Views: 7748

Re: Small Value Premium - How Do You View It?

- Negative: It's just random luck or an anomaly that it outperformed in the past. Large cap companies are more proven and deserve their heavier market weight status in Total Stock Market Index Fund. I tilt small/value but think this is a mis-characterization of total-market approaches. They don't '...
by Noobvestor
Mon Jan 22, 2018 12:14 am
Forum: Investing - Help with Personal Investments
Topic: current asset vs paycheck asset allocation
Replies: 3
Views: 364

Re: current asset vs paycheck asset allocation

If your 401k automatically rebalances (mine does) it doesn't matter too much, and mirroring is probably fine. If it doesn't for some reason, you can use new contributions to rebalance each pay period, or periodically, by switching back and forth between funds.
by Noobvestor
Sun Jan 21, 2018 11:29 pm
Forum: Investing - Theory, News & General
Topic: Automated Tax Loss Harvesting by Robo Advisor - Anyone with real results?
Replies: 40
Views: 3980

Re: Automated Tax Loss Harvesting by Robo Advisor - Anyone with real results?

The thing I always wonder is: what happens when you eventually leave the robo-advisor? Like if you transfer it all to Vanguard, will all the lot info be transferred into VG's systems, or will you have to keep track yourself? If the latter, not worth dealing with the headaches I would think of all th...
by Noobvestor
Wed Jan 17, 2018 1:07 pm
Forum: Investing - Theory, News & General
Topic: Emerging Markets equities went sideways for 50 years 1920-70
Replies: 24
Views: 2385

Re: Emerging Markets equities went sideways for 50 years 1920-70

columbia wrote:
Wed Jan 17, 2018 11:57 am
I wonder how folks will feel about owning a dedicated EM fund, if China eventually moves to a DMs status.
I'll be annoyed by the cap gains, but overall happy to have my EM fund be even more split up among smaller developing countries.
by Noobvestor
Fri Jan 12, 2018 2:29 am
Forum: Personal Consumer Issues
Topic: [What TV Show Have You Recently Watched?]
Replies: 694
Views: 75125

Re: Netflix, Your Current Favorite Show

A toss up between Dark (Stranger Things but with time travel and older kids) and Godless (western). Netflix has been doing a great job with content this past year. I liked Godless quite a bit. Dark is also really interesting. It's a German show overdubbed with English, so that was a little off putt...
by Noobvestor
Mon Jan 08, 2018 10:41 pm
Forum: Personal Finance (Not Investing)
Topic: When the rubber hits the road [Progressive Dementia thread with merged updates]
Replies: 106
Views: 8575

Re: The reality hits - my dementia update

Sounds to me like you're doing all the right things, to the best of your ability. I can't imagine how frightening this all must be, at least in bad moments, but appreciate your updates and tenacity. I write this as someone who has someone close to me going through something similar. Sincere best wis...
by Noobvestor
Sun Jan 07, 2018 11:09 pm
Forum: Investing - Help with Personal Investments
Topic: Can only invest in Taxable and Roth IRA - most tax efficient place to hold bonds?
Replies: 21
Views: 1584

Re: Can only invest in Taxable and Roth IRA - most tax efficient place to hold bonds?

I am 31 - will fall into the 22% tax bracket for 2018. I currently have bond funds in my taxable (AGDAX, JDBAX, LFRAX, LALDX, NFRAX, PRSNX) but want to sell them and buy vanguard bond funds to make them more tax efficient long term. The simplest would be to sell them all and buy Vanguard Intermedia...
by Noobvestor
Sun Jan 07, 2018 10:53 pm
Forum: Investing - Help with Personal Investments
Topic: Can only invest in Taxable and Roth IRA - most tax efficient place to hold bonds?
Replies: 21
Views: 1584

Re: Can only invest in Taxable and Roth IRA - most tax efficient place to hold bonds?

I am probably going against the grain on this one, but: I would hold stocks in Roth, tax-exempt (and/or I/EE) bonds in taxable. Based on the way yields are these days, tax-exempt does pretty well. On top of that, if you change your mind later, or find you have other kinds of space available or whate...
by Noobvestor
Sun Jan 07, 2018 6:41 pm
Forum: Investing - Help with Personal Investments
Topic: A lot in taxable, or a little in Roth: a no-brainer?
Replies: 19
Views: 1463

Re: A lot in taxable, or a little in Roth: a no-brainer?

Impossible to say for absolute certain. For instance: what if I had a lot of money in (traditional) 401ks/IRAs (which will eventually be taxed)? Then that Roth space becomes more valuable, relatively, for timing taxes. But if I had to pick blind to other variables, I'd take the $100K in taxable. You...
by Noobvestor
Sun Jan 07, 2018 6:06 pm
Forum: Investing - Theory, News & General
Topic: Long Term Bonds as Alternative Asset Class (Not Fixed Income)
Replies: 11
Views: 1160

Re: Long Term Bonds as Alternative Asset Class (Not Fixed Income)

Would anyone hold either Vanguard Long Term Treasury (VUST) or Long Term Bond (VBLTX) to play that role in their portfolio? Which would you choose and why? Has anyone used this approach successfully? I don't buy the alternative asset class argument either, but I will say if I had to choose between ...
by Noobvestor
Sun Jan 07, 2018 5:54 pm
Forum: Investing - Help with Personal Investments
Topic: Seeking advice on exchanging Vanguard TD Fund 2030 to TD 2035
Replies: 2
Views: 224

Re: Seeking advice on exchanging Vanguard TD Fund 2030 to TD 2035

If the exchange is happening within a Roth, there are no tax implications. Would suggest changing to reach your target allocation across accounts, and not trying to time the market.
by Noobvestor
Sun Jan 07, 2018 4:19 pm
Forum: Investing - Help with Personal Investments
Topic: Help go from cash to 50/50 AA
Replies: 16
Views: 1484

Re: Help go from cash to 50/50 AA

Any day you're not buying you're selling. A choice to delay or slow getting back in is just a way of saying 'my risk tolerance isn't up for this.' Instead of trying to figure out the market's next move or slowly get back in, consider ramping up your bond/cash allocation.
by Noobvestor
Sun Jan 07, 2018 11:04 am
Forum: Investing - Help with Personal Investments
Topic: Asset Class combination analysis
Replies: 4
Views: 409

Re: Asset Class combination analysis

I'm stumped - why aren't you doing total-portfolio backtests? Don't you want to choose based on how this subset will function in combination with your other holdings? Can't see the reason for this exercise otherwise.
by Noobvestor
Sat Jan 06, 2018 12:20 am
Forum: Investing - Help with Personal Investments
Topic: 401k underperformance
Replies: 4
Views: 861

Re: 401k underperformance

Impossible to provide a meaningful response without the fund names/tickers and their benchmarks. But sure, in the abstract sense, yes, absolutely, underperforming by that amount is pretty dismal. Could be the funds, expenses, or benchmarks. Do they offer anything low-cost and indexed? If not, consid...
by Noobvestor
Thu Jan 04, 2018 10:27 pm
Forum: Investing - Theory, News & General
Topic: Removed
Replies: 39
Views: 3950

Re: Jeremy Grantham (GMO) Memo 1/3/08

So even the permabear is bullish. I can't decide what kind of indicator this is. :oops:
by Noobvestor
Thu Jan 04, 2018 10:16 pm
Forum: Investing - Help with Personal Investments
Topic: Higher net worth / lower cash flow - How to Invest
Replies: 23
Views: 2496

Re: Higher net worth / lower cash flow - How to Invest

Cash - $450k Our cash flow from my income alone is slightly negative due to our families large decrease in take home pay. I feel/know I have too much cash on the sidelines, but with the current cash flow situaion, I'm leery to invest more. I think some obvious answer might be to invest the cash usi...
by Noobvestor
Thu Jan 04, 2018 7:50 pm
Forum: Investing - Help with Personal Investments
Topic: Sub-Asset Class Rebalancing Dilemma -- Taxable vs. Tax-Advantaged
Replies: 2
Views: 226

Re: Sub-Asset Class Rebalancing Dilemma -- Taxable vs. Tax-Advantaged

You should have a tolerance band; at 63/37, it isn't necessary to rebalance to get back to 60/40. Agreed. A sort of de facto third option is just to wait until my 5% band is tripped at 65/35. Partly, too, I'm trying to get ahead of it, and flesh out my own IPS a bit more because this is a somewhat ...
by Noobvestor
Thu Jan 04, 2018 7:17 pm
Forum: Investing - Help with Personal Investments
Topic: Sub-Asset Class Rebalancing Dilemma -- Taxable vs. Tax-Advantaged
Replies: 2
Views: 226

Sub-Asset Class Rebalancing Dilemma -- Taxable vs. Tax-Advantaged

So the big-picture question (specifics below) is: how much should I (or: do you) worry about sub asset classes vs cap gain taxes? Target: 60/40 stocks/bonds. Stocks: 50/50 US/international, 50/50 large/small value within US, 50/50 total/emerging within international. Right now, the actual portfolio ...
by Noobvestor
Tue Jan 02, 2018 2:36 am
Forum: Investing - Help with Personal Investments
Topic: Brand New Investor; Thoughts on 401k allocations.
Replies: 7
Views: 752

Re: Brand New Investor; Thoughts on 401k allocations.

Seems fine, though heavy on US vs intl - 50/50 is simple and around market weights, and the US has done well recently, so beware recency bias. I also think 20-25% is a better starting point for bonds - as you said: diminishing returns. Regardless: if you're in a low bracket, consider prioritizing a...
by Noobvestor
Tue Jan 02, 2018 2:32 am
Forum: Investing - Help with Personal Investments
Topic: Bond questions: Tax-Exempt vs. Total Bond, placing in taxable vs. Roth
Replies: 8
Views: 1369

Re: Bond questions: Tax-Exempt vs. Total Bond, placing in taxable vs. Roth

You may find these helpful: https://personal.vanguard.com/us/FundsTaxEquivForYield https://personal.vanguard.com/us/funds/tools/taxequivalentyield?FundId=&Sc2=0&Sc=0&FundId1=0075&FundId2=&FederalTaxBracket=0#form I use a combination of TIPS (in trad IRA) and munis, EE and I Bonds (in taxable). I avo...