Search found 492 matches

by jaj2276
Sun Feb 17, 2019 4:03 am
Forum: Personal Finance (Not Investing)
Topic: H&R Block tax preparation software and Form 1116
Replies: 15
Views: 1387

Re: H&R Block tax preparation software and Form 1116

Printed out instructions for Form 1116 and crossed out all sections that I believe do not pertain to me. This made it MUCH MUCH easier to read and understand, thank you to all for the suggestion. I am going to pay foreign tax on my Vanguard mutual fund holdings (1099-DIV) and an investment company i...
by jaj2276
Sat Feb 16, 2019 7:33 pm
Forum: Investing - Theory, News & General
Topic: HEDGEFUNDIE's excellent adventure [risk parity strategy using 3x leveraged ETFs]
Replies: 3353
Views: 401113

Re: HEDGEFUNDIE's excellent adventure [risk parity strategy using 3x leveraged ETFs]

... Sure but they are not the one's taking the risk nor is it their money. Good luck. Not sure where it was stated otherwise. If my father, their grandfather, would like to leave them a gift that would change their lives and would also bring enjoyment for him while trying to achieve that then I don...
by jaj2276
Sat Feb 16, 2019 5:54 pm
Forum: Investing - Theory, News & General
Topic: HEDGEFUNDIE's excellent adventure [risk parity strategy using 3x leveraged ETFs]
Replies: 3353
Views: 401113

Re: HEDGEFUNDIE's excellent adventure [risk parity strategy using 3x leveraged ETFs]

Call me crazy, but I am going to play this game even though I do not need to. I allocated 3 accounts with $30k in each account for the kids. The kids can have a nice little easter egg that they will discover in the will when we are gone. It might be worth a lot or it might not be worth anything. Ti...
by jaj2276
Sat Feb 16, 2019 5:12 pm
Forum: Investing - Theory, News & General
Topic: HEDGEFUNDIE's excellent adventure [risk parity strategy using 3x leveraged ETFs]
Replies: 3353
Views: 401113

Re: HEDGEFUNDIE's excellent adventure [risk parity strategy using 3x leveraged ETFs]

Call me crazy, but I am going to play this game even though I do not need to. I allocated 3 accounts with $30k in each account for the kids. The kids can have a nice little easter egg that they will discover in the will when we are gone. It might be worth a lot or it might not be worth anything. Ti...
by jaj2276
Sat Feb 16, 2019 4:43 pm
Forum: Personal Finance (Not Investing)
Topic: H&R Block tax preparation software and Form 1116
Replies: 15
Views: 1387

Re: H&R Block tax preparation software and Form 1116

Ok good to know that I'm not the only one that has had trouble with it and good to know that others have fought through it. I'll do the suggestion of crossing out all sections that don't pertain to me and then see if that turns on any lightbulbs for me. Here are a few of my questions. 1) If I'm subj...
by jaj2276
Sat Feb 16, 2019 11:39 am
Forum: Personal Finance (Not Investing)
Topic: H&R Block tax preparation software and Form 1116
Replies: 15
Views: 1387

Re: H&R Block tax preparation software and Form 1116

You could take a look at: https://www.greenbacktaxservices.com/blog/expat-taxes-explained-form-foreign-tax-credit/ Ahh, this is a good place to start, thanks! Even though it's not my income (passive vs general category), I think I might be able to follow along and substitute my values/situation in ...
by jaj2276
Sat Feb 16, 2019 11:19 am
Forum: Personal Finance (Not Investing)
Topic: H&R Block tax preparation software and Form 1116
Replies: 15
Views: 1387

Re: H&R Block tax preparation software and Form 1116

HueyLD wrote:
Sat Feb 16, 2019 10:33 am
You can switch back to TaxAct or switch to TurboTax.
Thanks.

Related question, why do you think people feel the need to post clearly unhelpful suggestions?
by jaj2276
Sat Feb 16, 2019 10:29 am
Forum: Personal Finance (Not Investing)
Topic: H&R Block tax preparation software and Form 1116
Replies: 15
Views: 1387

H&R Block tax preparation software and Form 1116

I am attempting to make a switch to H&R Block this year from TaxAct. I've used TaxAct for the past 5 years and it's been good but their price increases are annoying. I choose to voice my displeasure by not giving TaxAct my dollars but maybe I've made a mistake because H&R Block seems to completely p...
by jaj2276
Sat Feb 16, 2019 10:22 am
Forum: Investing - Theory, News & General
Topic: HEDGEFUNDIE's excellent adventure [risk parity strategy using 3x leveraged ETFs]
Replies: 3353
Views: 401113

Re: HEDGEFUNDIE's excellent adventure [risk parity strategy using 3x leveraged ETFs]

... Which brings up a good question: for those of you trying this, where’d the money come from? Was it in an S&P 500 allocation? TSM? Newly found cash? Mine was sitting in IJR (S&P 600) only because that’s what I was mainly invested in at the Fidelity account this is running in. My wife's Roth IRA ...
by jaj2276
Sat Feb 16, 2019 10:09 am
Forum: Investing - Theory, News & General
Topic: HEDGEFUNDIE's excellent adventure [risk parity strategy using 3x leveraged ETFs]
Replies: 3353
Views: 401113

Re: HEDGEFUNDIE's excellent adventure [risk parity strategy using 3x leveraged ETFs]

Why not go 100% UPRO? If you’re willing to treat this as a lottery ticket, doesn’t that stand a better chance of reaching the $10M? I answered someone else with this exact same question earlier in the thread. Here is my answer to his similar (if not exact) question. Why not go 100% UPRO? Being able...
by jaj2276
Sat Feb 16, 2019 9:49 am
Forum: Investing - Theory, News & General
Topic: HEDGEFUNDIE's excellent adventure [risk parity strategy using 3x leveraged ETFs]
Replies: 3353
Views: 401113

Re: HEDGEFUNDIE's excellent adventure [risk parity strategy using 3x leveraged ETFs]

That being said I wouldn't buy or sell these ETNs ETFs without a limit price, like any stock because a large order can execute at weird prices but then get back to equilibrium within a half second. This may be a valid reason to avoid M1 and use a discount brokerage like Fidelity or Schwab that allo...
by jaj2276
Thu Feb 14, 2019 5:53 pm
Forum: Investing - Theory, News & General
Topic: HEDGEFUNDIE's excellent adventure [risk parity strategy using 3x leveraged ETFs]
Replies: 3353
Views: 401113

Re: HEDGEFUNDIE's excellent adventure [risk parity strategy using 3x leveraged ETFs]

Since I plan to use this thread share in the joy and despair (hopefully more joy) of this strategy, I wanted to easily be able to get back to my initial investment. $54,741 Roth IRA. I will continue to direct future Roth IRA contributions to this strategy. Edit 1: Trade has been completed. I bought ...
by jaj2276
Thu Feb 14, 2019 12:59 pm
Forum: Investing - Theory, News & General
Topic: HEDGEFUNDIE's excellent adventure [risk parity strategy using 3x leveraged ETFs]
Replies: 3353
Views: 401113

Re: HEDGEFUNDIE's excellent adventure [risk parity strategy using 3x leveraged ETFs]

My M1 Finance Roth IRA was opened and funded yesterday. Auto invest triggered the buy orders this morning in the portfolio. Very small part of the portfolio but I'm in :sharebeer How long from when you emailed them your statement to when the transactions occurred? I'm trying to clean up some accoun...
by jaj2276
Wed Feb 13, 2019 4:14 pm
Forum: Investing - Theory, News & General
Topic: HEDGEFUNDIE's excellent adventure [risk parity strategy using 3x leveraged ETFs]
Replies: 3353
Views: 401113

Re: HEDGEFUNDIE's excellent adventure [risk parity strategy using 3x leveraged ETFs]

For those using M1 Finance, a couple of questions: 1) Any concern about the company going belly up in the future? Something like MF Global (commingling company and investor funds). Not sure how it works with securities held in book form so might not be relevant. 2) When you rebalance your pie, when ...
by jaj2276
Tue Feb 12, 2019 8:36 pm
Forum: Investing - Theory, News & General
Topic: HEDGEFUNDIE's excellent adventure [risk parity strategy using 3x leveraged ETFs]
Replies: 3353
Views: 401113

Re: HEDGEFUNDIE's excellent adventure [risk parity strategy using 3x leveraged ETFs]

I have read some of links of other sites that analyzed the same approach and when it came to rebalancing I only saw test done by set frequency, i.e. annual, semi, quarterly, etc... Has anyone run the rebalancing using a standard boglehead 5% drift method? Good luck. I've run it but the bands look m...
by jaj2276
Mon Feb 11, 2019 8:02 am
Forum: Investing - Theory, News & General
Topic: HEDGEFUNDIE's excellent adventure [risk parity strategy using 3x leveraged ETFs]
Replies: 3353
Views: 401113

Re: HEDGEFUNDIE's excellent adventure [risk parity strategy using 3x leveraged ETFs]

I see above that AlohaJoe has completed the LTT magnum opus , and I'm really interested to see the results. Before I do, I'm going to make a bet that it's going to change the results on the optimum (depending on your point of view I suppose) historical rebalancing timing. It dawned on me while fall...
by jaj2276
Sun Feb 10, 2019 4:30 pm
Forum: Investing - Theory, News & General
Topic: HEDGEFUNDIE's excellent adventure [risk parity strategy using 3x leveraged ETFs]
Replies: 3353
Views: 401113

Re: HEDGEFUNDIE's excellent adventure [risk parity strategy using 3x leveraged ETFs]

... Curiosity got the better of me. Here's "my" data from June 2009 to December 2018. I can't do a specific day. Jun 09-18 Final Balance CAGR Stdev Best Year Worst Year Max. Drawdown Sharpe Sortino US Mkt Correlation No rebalancing: $61,344 21.04% 30.12% 59.40% -20.83% -35.66% 0.78 1.22 0.87 Annual...
by jaj2276
Sun Feb 10, 2019 3:03 pm
Forum: Investing - Theory, News & General
Topic: HEDGEFUNDIE's excellent adventure [risk parity strategy using 3x leveraged ETFs]
Replies: 3353
Views: 401113

Re: HEDGEFUNDIE's excellent adventure [risk parity strategy using 3x leveraged ETFs]

Instead of posting pictures some more, let me just tell you what my data set says about rebalancing. Again CAUTION! 40/60 3X Initial bal:$10k 1950-2018 Final Balance CAGR Stdev Best Year Worst Year Max. Drawdown Sharpe Sortino US Mkt Correlation No rebalancing: $123,159,666 14.86% 36.19% 124.87% -6...
by jaj2276
Sun Feb 10, 2019 11:18 am
Forum: Investing - Theory, News & General
Topic: HEDGEFUNDIE's excellent adventure [risk parity strategy using 3x leveraged ETFs]
Replies: 3353
Views: 401113

Re: HEDGEFUNDIE's excellent adventure [risk parity strategy using 3x leveraged ETFs]

It looks to me like holding this in taxable could present some fabulous tax loss harvesting opportunities due to the volatility. UPRO and SPXL have no overlapping holdings so could be pair funds. Any suggestions for TMF? TYD perhaps, but that tracks 7-10 year treasuries instead... I’m very hesitant...
by jaj2276
Sun Feb 10, 2019 9:46 am
Forum: Investing - Theory, News & General
Topic: HEDGEFUNDIE's excellent adventure [risk parity strategy using 3x leveraged ETFs]
Replies: 3353
Views: 401113

Re: HEDGEFUNDIE's excellent adventure [risk parity strategy using 3x leveraged ETFs]

I now want this thread deleted (kidding!, only slightly). I understand why it was started, to hold OP to the fire. However I fear that it will make the trade crowded, a sure-fire deathknell for the success of the trade itself.
by jaj2276
Sun Feb 10, 2019 6:07 am
Forum: Investing - Theory, News & General
Topic: HEDGEFUNDIE's excellent adventure [risk parity strategy using 3x leveraged ETFs]
Replies: 3353
Views: 401113

Re: HEDGEFUNDIE's excellent adventure [risk parity strategy using 3x leveraged ETFs]

... This is why I prefer the use of UGLD (3X gold) for 10% of my portfolio. It is also why I’ve considered the use of TYD (7-10 year treasuries) for a portion of the bond exposure. A portfolio of 35% UPRO, 55% TMF/TYD, and 10% UGLD may be more ideal from a risk parity perspective. I too am going to...
by jaj2276
Thu Feb 07, 2019 3:01 pm
Forum: Investing - Theory, News & General
Topic: HEDGEFUNDIE's excellent adventure [risk parity strategy using 3x leveraged ETFs]
Replies: 3353
Views: 401113

Re: HEDGEFUNDIE's excellent adventure [risk parity strategy using 3x leveraged ETFs]

I have received some PMs asking whether there is a minimum dollar amount below which this strategy becomes impractical or not worth the time/effort. This is really more a question about the transaction costs of rebalancing. I am using M1 Finance for this strategy and they offer free rebalancing. So...
by jaj2276
Thu Feb 07, 2019 12:45 pm
Forum: Investing - Theory, News & General
Topic: HEDGEFUNDIE's excellent adventure [risk parity strategy using 3x leveraged ETFs]
Replies: 3353
Views: 401113

Re: HEDGEFUNDIE's excellent adventure [3x leveraged ETF strategy]

i dont understand one thing. why not put all 15% in UPRO? we're only talking about 15% of your portfolio to begin with, an amount you are willing and able to lose, potentially. i get the hogwash about higher sharpe ratios yada yada but why do you care? who cares if the sharpe ratio is higher? again...
by jaj2276
Wed Feb 06, 2019 8:42 pm
Forum: Investing - Theory, News & General
Topic: HEDGEFUNDIE's excellent adventure [risk parity strategy using 3x leveraged ETFs]
Replies: 3353
Views: 401113

Re: HEDGEFUNDIE's excellent adventure [3x leveraged ETF strategy]

... i get what you're saying. its no different than rebalancing from bonds into stock... problem is, in both cases your expected return is lower. rebalancing does not boost returns when you are rebalancing from a lower return instrument to a higher one . you're better off just owning 100% of the hi...
by jaj2276
Wed Feb 06, 2019 8:25 pm
Forum: Investing - Theory, News & General
Topic: HEDGEFUNDIE's excellent adventure [risk parity strategy using 3x leveraged ETFs]
Replies: 3353
Views: 401113

Re: HEDGEFUNDIE's excellent adventure [3x leveraged ETF strategy]

i dont understand one thing. why not put all 15% in UPRO? we're only talking about 15% of your portfolio to begin with, an amount you are willing and able to lose, potentially. i get the hogwash about higher sharpe ratios yada yada but why do you care? who cares if the sharpe ratio is higher? again...
by jaj2276
Wed Feb 06, 2019 8:09 pm
Forum: Investing - Theory, News & General
Topic: HEDGEFUNDIE's excellent adventure [risk parity strategy using 3x leveraged ETFs]
Replies: 3353
Views: 401113

Re: HEDGEFUNDIE's excellent adventure [3x leveraged ETF strategy]

What is your goal? $10M. If past is prologue, I should be able to hit this number in 20 years when I am 53 years old, at which point I will stop "playing the game" and move into [unleveraged] Treasuries. Penalty-free Roth IRA withdrawals begin, as we all know, at 59.5. When I've looked at this stra...
by jaj2276
Tue Feb 05, 2019 7:55 pm
Forum: Personal Finance (Not Investing)
Topic: Tax filing software
Replies: 61
Views: 5711

Re: Tax filing software

What are the pros/cons of a download version vs online? Seems unnecessary to download. Huh, I see it as totally opposite. Seems unnecessary to waste packaging, a CD, and use resources for shipping it around when all one has to do is download it. I meant why use a download when you can just do the o...
by jaj2276
Tue Feb 05, 2019 7:50 pm
Forum: Investing - Theory, News & General
Topic: HEDGEFUNDIE's excellent adventure [risk parity strategy using 3x leveraged ETFs]
Replies: 3353
Views: 401113

Re: HEDGEFUNDIE's excellent adventure [3x leveraged ETF strategy]

I'm quite the risk averse investor but it's ideas like this that pique my interest for a small portion of my portfolio. I'd hate to lose $100k of Roth space that I won't be able to get back. Definitely going to look in to this some more to try and understand the actual machinations of the strategy. ...
by jaj2276
Sun Jan 13, 2019 8:25 pm
Forum: Personal Finance (Not Investing)
Topic: Tax filing software
Replies: 61
Views: 5711

Re: Tax filing software

Triple digit golfer wrote:
Sun Jan 13, 2019 8:06 pm
What are the pros/cons of a download version vs online? Seems unnecessary to download.
Huh, I see it as totally opposite. Seems unnecessary to waste packaging, a CD, and use resources for shipping it around when all one has to do is download it.
by jaj2276
Sun Jan 13, 2019 8:24 pm
Forum: Personal Finance (Not Investing)
Topic: Tax filing software
Replies: 61
Views: 5711

Re: Tax filing software

I purchased the download version of H&R Block Deluxe 2018 for Windows today for $14.97. I used the promo code from this link: https://slickdeals.net/f/12615334-h-r-block-2018-tax-software-sale-deluxe-2018-federal-state-20-more The promo code works for physical editions, too, as well as discounts on...
by jaj2276
Fri Dec 28, 2018 7:52 pm
Forum: Personal Investments
Topic: UTMA and Tax Loss Harvesting
Replies: 0
Views: 163

UTMA and Tax Loss Harvesting

Two UTMA accounts for my two daughters. Both accounts have unrealized losses this year. I had always planned to tax gain harvest at the end of each year up to their 0% limit but not sure what to do if there are tax losses to harvest against cap gains that wouldn't be taxed anyways. 1st account has $...
by jaj2276
Tue Dec 11, 2018 4:46 pm
Forum: US Chapters
Topic: Post your Financial Milestone Announcements Here
Replies: 1500
Views: 199479

Re: Post your Financial Milestone Announcements Here

jory1804 wrote:
Sat Dec 08, 2018 7:27 pm
My net worth recently crossed the 10M mark. Never thought I'd be saying that.

The day it happened, I treated myself to a new shower curtain. My current one had been getting cloudy, and it was time to replace.
Congrats. And love the celebration.
by jaj2276
Thu Nov 29, 2018 4:39 pm
Forum: Personal Investments
Topic: What would you do with $6,000 in gold and silver?
Replies: 40
Views: 4067

Re: What would you do with $6,000 in gold and silver?

Sell it to me for $4000. PM me if you're interested.
by jaj2276
Thu Nov 22, 2018 1:00 pm
Forum: Personal Finance (Not Investing)
Topic: 529 Plan as an Uncle
Replies: 21
Views: 2080

Re: 529 Plan as an Uncle

OP, https://www.bogleheads.org/forum/viewtopic.php?f=2&t=264069 From your other thread, you are in the late 30s with 250K gross income and net worth of 350K. Your annual expense is probably at least 100K. Your FI number is about 25X 100K = 2.5 million. You are not in a good financial shape to pay f...
by jaj2276
Thu Nov 22, 2018 8:39 am
Forum: Investing - Theory, News & General
Topic: What are you up YTD? [Year To Date]
Replies: 3074
Views: 536762

Re: What are you up YTD? [Year To Date]

+2.13% YTD

25% bonds, 50% stocks (2/3 US, 1/3 Intl), 7.5% precious metals, 17.5% Hedge Fund.
by jaj2276
Thu Nov 22, 2018 8:35 am
Forum: Personal Finance (Not Investing)
Topic: 529 Plan as an Uncle
Replies: 21
Views: 2080

Re: 529 Plan as an Uncle

OP, https://www.bogleheads.org/forum/viewtopic.php?f=2&t=264069 From your other thread, you are in the late 30s with 250K gross income and net worth of 350K. Your annual expense is probably at least 100K. Your FI number is about 25X 100K = 2.5 million. You are not in a good financial shape to pay f...
by jaj2276
Wed Nov 21, 2018 8:03 am
Forum: Personal Finance (Not Investing)
Topic: 529 Plan as an Uncle
Replies: 21
Views: 2080

Re: 529 Plan as an Uncle

There are two plans for Maryland, a Prepaid College Trust and a College Investment Plan ( https://maryland529.com/ ). What you described in your original email seems like you were talking about the Prepaid College Trust (i.e. you prepay for MD tuition credits). The College Investment Plan however is...
by jaj2276
Thu Oct 25, 2018 8:57 am
Forum: Personal Finance (Not Investing)
Topic: Net worth compared to Medicare earnings
Replies: 16
Views: 1740

Re: Net worth compared to Medicare earnings

Well Medicare earnings is what the Soc Sec statement calls it but yes, gross wages is the equivalent. My NW is high. My gross earnings are high(er). I guess I was surprised to see that my NW wasn't as high as my gross earnings would have suggested. Doesn't seem others are too interested in this so ...
by jaj2276
Thu Oct 25, 2018 7:33 am
Forum: Personal Finance (Not Investing)
Topic: Net worth compared to Medicare earnings
Replies: 16
Views: 1740

Re: Net worth compared to Medicare earnings

Well Medicare earnings is what the Soc Sec statement calls it but yes, gross wages is the equivalent. My NW is high. My gross earnings are high(er). I guess I was surprised to see that my NW wasn't as high as my gross earnings would have suggested. Doesn't seem others are too interested in this so a...
by jaj2276
Wed Oct 24, 2018 12:44 pm
Forum: Personal Finance (Not Investing)
Topic: Net worth compared to Medicare earnings
Replies: 16
Views: 1740

Net worth compared to Medicare earnings

Does anyone know of any research articles where they look at net worth as a function of Medicare earnings? I looked at my social security statement and I was surprised that my medicare earnings were so high (simply a function of time in the job market I suppose) and that my net worth was a small % o...
by jaj2276
Tue Sep 25, 2018 7:23 pm
Forum: Personal Finance (Not Investing)
Topic: How to direct spouse to use life insurance proceeds if I die first?
Replies: 15
Views: 1129

Re: How to direct spouse to use life insurance proceeds if I die first?

In my view, life insurance is to buy some time for the survivors to figure out what to do next. Life can go on as normal as possible for a while. They need information. They may want some suggestions. You might have some conversations about "what if". Ultimately, it's not your choice any more. We h...
by jaj2276
Tue Sep 25, 2018 10:37 am
Forum: Personal Investments
Topic: Investing in the Rare Opportunity
Replies: 59
Views: 4766

Re: Investing in the Rare Opportunity

If this was posted 5-10 years ago I would have said to simply take the cashout (option #2). I have however been presented an opportunity that is similar in nature (if not amounts) to fictitious Johnny's. I started a job after I had a good low 7-figure nest egg. This new company was closer to a start...
by jaj2276
Sun Sep 23, 2018 4:21 pm
Forum: Personal Consumer Issues
Topic: “Floating Basement Flooring” - Which Product?
Replies: 5
Views: 633

Re: “Floating Basement Flooring” - Which Product?

I'm in the process of renovating the 1st floor of our house that acts as the "downstairs." I didn't want to spend a lot of money so was directed to use a floating floor. My contractor (who I've used for various reno projects throughout the year) uses a professional wholesale place for tile, flooring...
by jaj2276
Fri Aug 10, 2018 4:04 pm
Forum: Personal Finance (Not Investing)
Topic: Is your monthly expense really that stable or in reality, pretty volatile?
Replies: 46
Views: 3770

Re: Is your monthly expense really that stable or in reality, pretty volatile?

cj2018 wrote:
Fri Aug 10, 2018 3:34 pm
  • oil change: $220 (damn you, jiffy lube) - i drive a Honda and only do oil change stuff probably once and twice per year
I hope this is a typo and you really don't get charged $220 for an oil change. Even if that oil change is full synthetic.
by jaj2276
Thu Aug 02, 2018 3:13 pm
Forum: Personal Consumer Issues
Topic: Hiking vacation in November - any recomendations?
Replies: 35
Views: 2995

Re: Hiking vacation in November - any recomendations?

Might I suggest Big Bend National Park in Texas. I did a President's Day weekend trip (Feb '16) by myself (male also) and thoroughly enjoyed it. There were hardly any hikers so if you want to social hike then this probably isn't the place for you. They have desert hikes, mountain hikes, and river hi...
by jaj2276
Mon Jul 16, 2018 11:06 am
Forum: Personal Finance (Not Investing)
Topic: Alliant 3/2.5% card - any experience?
Replies: 55
Views: 10837

Re: Alliant 3/2.5% card - any experience?

Still love this card. I don't partake in churning so this is still the best straight up cash back card even at 2.5% and $59. There are a few things I like about this card more than the Citi Double Cash (which I used prior to this card as my main card). There is no minimum amount of cashback before ...
by jaj2276
Fri Jul 13, 2018 7:28 am
Forum: Personal Investments
Topic: What's your *real* asset allocation?
Replies: 30
Views: 3838

Re: What's your *real* asset allocation?

My point in doing this exercise was to see if I felt I was taking more or less risk with my portfolio. On one hand my bond allocation went from ~29% to ~21% which seems like a big increase in risk. However my largest single position (US equities) went down from ~40% to ~30% so it seems like I've bec...
by jaj2276
Thu Jul 12, 2018 4:33 pm
Forum: Personal Investments
Topic: What's your *real* asset allocation?
Replies: 30
Views: 3838

What's your *real* asset allocation?

I state that my asset allocation is Age - 10 in bonds (29.5% since I average both my wife and my ages together), 10% precious metals, rest in equity split 2/3 US and 1/2 Intl. And I keep pretty close to that in the accounts that I use to compute these values (29.67% bonds, 9.52% precious metals, 41....
by jaj2276
Mon Jul 09, 2018 12:06 pm
Forum: Personal Finance (Not Investing)
Topic: "Managing" a DAF for very long term
Replies: 7
Views: 733

Re: "Managing" a DAF for very long term

I've mentioned this in a few other threads but I use VPW ( https://www.bogleheads.org/wiki/Variable_percentage_withdrawal ) to manage my DAF grants. The VPW is meant to deplete a retirement portfolio but I find it works for a philanthropic portfolio as well. We gifted a medium-sized stock account w/...
by jaj2276
Fri Jul 06, 2018 8:54 am
Forum: Personal Investments
Topic: Do you count pension contributions as a portion of your overall retirement contributions.
Replies: 47
Views: 4686

Re: Do you count pension contributions as a portion of your overall retirement contributions.

I've seen this question somewhere on the forum but can't dig it up. When contributing to a pension should you include that amount as part of your overall contribution amount? If so what part of the breakdown below? If you contribute 5% to a pension and your workplace contributes 5% and you contribu...