Bogleheads.org

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VW GTI if you want something that's fun to drive.

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You have been given a wonderful gift of this inherited IRA. Leave it alone! If invested properly, it will grow nicely over the next 30 years and you will have a nice nest egg on which to retire. Psychologically, people who have a windfall feel compelled to spend it. Resist that temptation. If nothi...

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I have an inherited traditional IRA (inherited before the 10 year rule) worth about 90K and am 34 years old, so my MRDs are about 2% of the total balance, which I know will increase more and more the older I become. Currently, I am making roughly 70K pre-tax and maxing out my Roth IRA, HSA and TSP (...

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moderate hiking <4 hours Define "moderate". Hikes in the nearby area that are great: Looking Glass Rock (get there early), Catawba Falls, Black Balsam Knob, Mt. Pisgah. Mt. Mitchell is a great option too and you can either drive up and hike the rest (20mins, if that) or you can earn the v...

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Is anyone aware of some good research into why AVUV is better than a fund like IJS/SLYV? I remember reading that AVUV might have a deeper tilt, but with a 0.10% higher expense ratio, it might be a wash in the end. Although lately, it seems AVUV has had the advantage: https://etfdb.com/tool/etf-compa...

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Invest the $200K all at once into your desired AA. If you're hesitant, then your AA is most likely too aggressive.

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I am in my 30's too and a fed as well, and I have 0% in bonds. If you do insist of having some bonds, get them in your TSP and not your Roth IRA.

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I have an inherited traditional IRA and would like to take as much out per year as I can without a large tax hit. If I don't, over the years, the RMD might become more of a tax bomb for me.

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I'm a federal employee and thankfully we are allowed to set a fixed dollar amount.

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setitandforgetit wrote: ↑Sat Jan 23, 2021 1:38 pm I don’t expect to draw on retirement or taxable for ~20 years

Mathematically speaking, being 100% in equities makes the most sense. If you do elect to have 10% or so in bonds, I would recommend a long-term bond fund like EDV.

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Keep on keeping on!

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This video might help:
https://www.youtube.com/watch?v=0ECqDaPjjV0

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Thanks for once again doing this!

Fund name: Chrono Triggered

Long:
JNJ
NVDA
VEEV

Short:
TSLA
ZM

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Another great day so far.

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Nice to see some gains outside the US. Makes my 50% allocation to it look genius for a change.

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My INTL portfolio is half INTL large cap like VXUS, and half small cap blend with VSS. Easy to keep track of and has enough of a tilt for me. An alternative measure would be to use the numbers that determine the factor weights; to estimate your value exposure, look at the P/E and P/B ratios of a fun...

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I heard about a Roth IRA in my teens but thought there was an age restriction so when I was in my early 20's, I didn't think I could contribute to it. Luckily I started in my late 20's so it wasn't a huge deal, but still.

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I found this link helpful for my agency:
https://www.fsafeds.com/enroll/schedules

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I have 50% of each. I've been looking at AVDV instead of VSS (or instead of VXUS) but I haven't decided anything.

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This plan didn't exactly work out the greatest this year but money that can be invested is certainly better than money that is sitting.

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Welcome to the forum.

This thread might be beneficial if you haven't seen it:
viewtopic.php?t=274390

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Hydration bladder for my outdoor outings.

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If you have an account at Fidelity, their 2% reward card is an excellent option.

My rotation is either that card, the Discover card you mentioned, or the Chase Freedom (similar to the Discover). I have an Amex Blue too and usually use that card for the offers they have; some are quite good.

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This is excellent news, I see it as well.

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What's your AA? If you're hesitant to lump sum it, perhaps your AA is too aggressive.

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Thanks for the heads up, OP.

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I don't understand the underlined portion of the quote, Chrono. What other taxes are there besides "federal taxes"? Sorry, I meant just taxes on other income and not SS income as well. Thanks for that catch and thanks for the great reply. The spreadsheet you linked to was very helpful. I ...

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I assist with my mother with her finances and I'm trying to get a grasp on something. Please let me know if my thought process is wrong. She is retired, files single, and will receive $19,236 in SS income for this year. She has an inherited IRA, and has withdrawn $8,682 so far. Add in taxable divide...

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I'm in my early 30's, and think equities purchased now while be worth more than bonds when I plan on withdrawing, so I am 100% stocks. I would consider adding bonds when I have a realization that my portfolio being halved would cause me distress; this has not happened yet. I have considered going 10...

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Items with dark chocolate.

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I would call up the billing department, explain your end of it in a calm manner, and ask for the bill to be reduced or dropped entirely. Medical bills can often be haggled.

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33, 100% stocks. 50% USA, 50% INTL. I tilt to small in each category so my overall portfolio is: 25% US Large Cap 25% US Small Cap Value (IJS, VIOV, SLYV) 25% INTL Large Cap (IXUS, VXUS) 25% INTL Small Cap (VSS) Make it easy to rebalance. I don't have any bonds because I believe equities purchased n...

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I've heard good things about beer from Athletic Brewing. Can't personally speak on it but I would look into it.

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Why so little international equities? Looks like it's 2% of your stock portfolio; I would either eliminate it entirely and stick with us stocks, but if you're trying to diversify with international equities, increase the percentage so it will have an impact.

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I have a Garmin Fenix and I absolutely love it. You can plot many activities and the details about elevation, heart beat, etc, that it tracks is pretty impressive. You can also download the Garmin Connect app and really go into depth about your activities sand general stats, like resting heart rate ...

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Spend some time on kitchen knife forums. You'll find a wealth of information: https://www.kitchenknifeforums.com/ https://www.bladeforums.com/ As mentioned earlier, you don't need a set. Start off with a great Chef's knife. Get something with a quality steel. The Tojiro DP is excellent if you're loo...

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My oh my.

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Spend money on items you use constantly. Like to cook? Get some great knives and other utensils. Like to hike? Splurge on great gear. How comfortable is your bed? If it could be better, splurge on that. Same thing for hobbies. Can you get better items to make your hobbies more enjoyable? If so, do t...

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I don't use the heater. I like living in an igloo. I currently live in NC but used to live in MN.

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I have the same card and use PayPal whenever I can for the 5% cash back. Similarly, on Amazon with my Discover card.

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I like Hotwire. You can sort by star ratings too.

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My husband and I are 30, no kids. This money is meant for early retirement, probably sometime in our mid-late 40s. Any other information you need? Ask yourself this question; do you think the price of equities will higher or lower in 15+ years compared to what they are priced at now? If you think t...

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I usually get an 11lb bag of whey protein from MyProtein when it's on sale for around $50, an excellent value. Comes in a dog food sized bag too, what's not to like? A recent deal: https://slickdeals.net/f/14364875-myprotein-1-x-11lb-impact-protein-blend-49-fs Good ratings on labdoor too: https://la...

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Counter Culture. Excellent quality and I live somewhat close to it so the shipping time is minimal. https://counterculturecoffee.com/ I would say if you have a great roaster in your area, get beans from them. If you don't, then find a great roaster that ideally isn't clear across the country to redu...

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50%. 25% VSS, 25% VXUS/IXUS.

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See here:
https://www.bogleheads.org/wiki/Thrift_ ... o_tracking

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Small cap value would be swell, since I tilt. But it's all good regardless.

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It's always a good time to invest in a globally weighted stock market index fund.

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My taxable account contains my most tax-efficient holdings: Total Stock Market Index (VTSAX) Developed Markets ETF (VEA) Emerging Markets Index (VEMAX) FTSE All-World Ex-US Small-Cap ETF (VSS) iShares EAFE Value Factor ETF (IVLU) My Roth IRA and HSA hold the less tax-efficient US value and REIT sto...

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What fund or funds are in your taxable account? Why did you choose that fund? VOO - Vanguard S&P500 ETF IJS - S&P600 (Small Cap Value) ETF VXUS - Vanguard Total International ETF Why? I have an extensive SCV tilt so I had to purchase some of it in taxable, which actually happens to be prett...

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