Bogleheads.org

UpperNwGuy

This quotation is often cited by those who only hold treasuries in the bond side of their portfolios. I am not one of those people.

UpperNwGuy

I can't read the article either. What does it say?

Didn't we have another post with approximately the same title earlier today?

Edit: Here it is: viewtopic.php?f=10&t=346388&sid=d3e22b7 ... 76c4974f72

UpperNwGuy

There seems to be a lot of differing opinions out there about the market right now, so I want to see what the Boglehead community thinks. What are your guys expected returns for say an S&P 500 Index fund for the next 1-, 3-, 5-, and 10- year periods? Do you believe that despite just coming out ...

UpperNwGuy

Best way to get Vanguard bond funds at schwab is via ETF purchases. I have done this and never had anyone discourage me. I think their are some transaction costs if your prefer mutual fund form, so I would agree direct is better for mutuals, or Schwabs own mutual fund. The Vanguard funds that OP wa...

UpperNwGuy

Whenever I have a car that old, I just donate it to the Salvation Army. In fact, I have a 2002 car that I'm about to dispose of that way later this year.

UpperNwGuy

Vanguard households trade infrequently Fewer than one-quarter of Vanguard households trade in any given year, and those that do typically only trade twice. Most traders’ behavior is consistent with rebalancing or is professionally advised... Trading and product holdings are correlated: Households w...

UpperNwGuy

I was just wondering everyone's philosophy on adjusting to more "efficient" funds vs paying the tax man. For example, I own: - VGPMX Vanguard Global Capital Cycles ER=.38 - VHGEX Vanguard Global Equity Fund ER=.45 With about $7k in LTG between the funds. I was considering moving to VTSAX/...

UpperNwGuy

I am also considering getting a new Forester this year. I got a monthly subscription for Consumer Reports and their top rankings and scores are; Forester 89 Mazda CX5 83 Honda CRV 82 Kia sportage 81 You may want to check the most recent US News auto ratings. CRV is ranked number one, and the Forest...

UpperNwGuy

I saw an article on Yahoo about taking profits in anticipation of a 10% correction in the near future. Can you post a link to the article? I'm always eager to learn how people are able to predict the future. This is not the one I read the headline, but is as good as any. https://www.yahoo.com/finan...

UpperNwGuy

peddler12 wrote: ↑Thu Apr 15, 2021 3:02 pm I saw an article on Yahoo about taking profits in anticipation of a 10% correction in the near future.

Can you post a link to the article? I'm always eager to learn how people are able to predict the future.

UpperNwGuy

I am comfortable with there being only a handful of companies at the top. I hold broad market index funds, so as new companies rise to the top, I will already be invested in them. I'm an old guy, so I remember when the companies at the top were totally different from today. I'm sure the list will ch...

UpperNwGuy

SunTrust has a branch diagonally across the street from my home. I can walk there in 5 minutes. If it were a better bank, I would immediately start banking there, but every time I look at their offerings and their fees, I realize that SunTrust is not for me.

UpperNwGuy

I"m invested in 2 funds: 50/50 Wellesley and Wellington. That works out to be roughly 60% stocks and 40% bonds. This way I'm letting Vanguard manage my money I'm invested in Vanguard's low-cost, broad-market index funds, so I'm also letting Vanguard manage my money — but for a lot less risk.

UpperNwGuy

A family of 3 (have a new baby). We live in NJ and currently I am the sole breadwinner as my wife staying home for the baby, I make $98K. NJ rents and houses are very high, however, we inherited a moderate-income rent apartment and currently paying $1400/mo. My income is not much higher than yours,...

UpperNwGuy

Stay with BND but increase your allocation to stocks.

UpperNwGuy

Sonicare is the gold standard.

UpperNwGuy

Bad companies that are cheap for a reason bother me, too, and it's part of why I refuse to tilt to value. I stick to Total Stock.

UpperNwGuy

Like your mother, I have only taxable accounts, no retirement accounts, and I hold bonds in those accounts. It's not the end of the world. As long as she is in the 20% tax bracket, she's fine with her present holdings. If she somehow ends up in the 24% tax bracket, she may want to consider municipa...

UpperNwGuy

I've never used a tax preparer, only TurboTax. I just bite the bullet and pay my taxes.

UpperNwGuy

I'm back with the standard screed. 1. Asset values are completely ridiculous. Returns have been dragged forward to the detriment of early accumulators. If you think these values are remotely reasonable you are completely blind. https://www.multpl.com/s-p-500-pe-ratio 2. What are your best strategie...

UpperNwGuy

I worked for 40 years and slightly eased up on the accelerator during my final nine months. During those months I worked mostly 8 hour days instead of my usual 10 hour days, stopped coming to work on weekends, and only took one business trip instead of my usual 10-12. On the other hand, I was in th...

UpperNwGuy

Like your mother, I have only taxable accounts, no retirement accounts, and I hold bonds in those accounts. It's not the end of the world. As long as she is in the 20% tax bracket, she's fine with her present holdings. If she somehow ends up in the 24% tax bracket, she may want to consider municipa...

UpperNwGuy

Learn to delegate. Even delegate those tasks that fall into your personal area of expertise. Even delegate those tasks that your boss asks you to do personally. Use your admin support. Let them keep your calendar and make your appointments and your travel arrangements. Stop doing that stuff yourself...

UpperNwGuy

For me, the problem with dividends can be summarized in one word: taxes.

UpperNwGuy

I worked for 40 years and slightly eased up on the accelerator during my final nine months. During those months I worked mostly 8 hour days instead of my usual 10 hour days, stopped coming to work on weekends, and only took one business trip instead of my usual 10-12. On the other hand, I was in th...

UpperNwGuy

Why are you folk so reluctant to let the dealer do a hard pull? Because if I am not borrowing money from the dealer or its affiliates, then the private information in my credit file is none of their business? Because it's none of my creditors' business (who monitor and review your report for new in...

UpperNwGuy

AGG is safe.

UpperNwGuy

Why are you folk so reluctant to let the dealer do a hard pull?

UpperNwGuy

burritoLover wrote: ↑Wed Apr 14, 2021 4:02 pm Has there ever been any 30-year period you DCA'd into the S&P 500 that returned less than 3%?

Nope.

UpperNwGuy

Obviously office REIT's are depressed still and does not look like a good buy for awhile. That's exactly why it is a good time for a long term investor to buy. And what if commercial office real estate never comes back? What if working from home becomes the permanent new normal. Office buildings wi...

UpperNwGuy

Obviously office REIT's are depressed still and does not look like a good buy for awhile. That's exactly why it is a good time for a long term investor to buy. And what if commercial office real estate never comes back? What if working from home becomes the permanent new normal. Office buildings wi...

UpperNwGuy

Unlike many bogleheads, I like mortgages. I think they're a good way to buy a house without hindering the growth of your investment portfolio. For me, housing is an expense, not an investment.

UpperNwGuy

I have all the REIT I need in VTSAX — market weight — so I will never have to add any REIT. I also don't have an advisor, so I don't have to deal with this kind of suggestion.

UpperNwGuy

calliecake47 wrote: ↑Tue Apr 13, 2021 9:24 pm Now that we are recently retired we are more sensitive to the accounts going down in value.

Are your accounts going down in value, or just this one fund? You should be managing your portfolio as a whole, not each fund separately.

UpperNwGuy

mrpotatoheadsays wrote: ↑Tue Apr 13, 2021 12:09 pm - with YTD total return of -3.12%. - Morningstar

and a five year average annual return of 3.07%.

UpperNwGuy

If you dont mind sharing: how was the transition from working to retirement for you going from the usual brisk clip on the final day to then being retired the very next day with all the time on your hands? You didn't ask me, but in my case it was wonderful. Suddenly I could do all my weekly errands...

UpperNwGuy

I worked for 40 years and slightly eased up on the accelerator during my final nine months. During those months I worked mostly 8 hour days instead of my usual 10 hour days, stopped coming to work on weekends, and only took one business trip instead of my usual 10-12. On the other hand, I was in the...

UpperNwGuy

Like your mother, I have only taxable accounts, no retirement accounts, and I hold bonds in those accounts. It's not the end of the world. As long as she is in the 20% tax bracket, she's fine with her present holdings. If she somehow ends up in the 24% tax bracket, she may want to consider municipal...

UpperNwGuy

Why should this be important to me? My IPS says to stay the course, not only through market crashes, high valuations, low interest rates, but also through changes to the rate of inflation.

UpperNwGuy

When you submit the paperwork for the background investigation leading to a government security clearance, they ask you to give them permission to check your credit reports.

UpperNwGuy

hi_there wrote: ↑Tue Apr 13, 2021 4:54 pm I would just throw it into the taxable account based on your current asset allocation. This $10k is 1% of your wealth.

+1

UpperNwGuy

You don't need an alternative to Total Bond. Rather you need to better understand how Total Bond will help you over the course of its duration.

UpperNwGuy

I retired with six months of cash, and I really didn't need most of that. I don't know why anyone would want multiple years of cash at retirement. In reading some of the responses to your questions, I think some folk are simply expressing a preference for going heavy on cash in the fixed income side...

UpperNwGuy

sport wrote: ↑Tue Apr 13, 2021 1:09 pm The solution is to transfer your Admiral Federal Cash Reserve Fund to the Federal MM fund or Treasury MM fund. These funds allow check writing.

This sound like an easy solution to me. What's all the fuss about?

UpperNwGuy

I was born, raised, studied, worked, and retired in DC, VA, NC, and MD. I suspect I'll live the rest of my life in one of those four states. I'm not fond of the hot, humid summers, and the winters sometimes get rough, but not so much in recent years. The springs and falls are lovely.

UpperNwGuy

Rules of thumb are often helpful to real estate investors. Also, someone with an $800,000 pretax income and only half a million invested in their portfolio is abyssal. OP, can you speak to why your retirement accounts seem to be low relative to your income? OP is probably younger and probably came ...

UpperNwGuy

watchnerd wrote: ↑Mon Apr 12, 2021 8:04 pm
UpperNwGuy wrote: ↑Mon Apr 12, 2021 7:53 pm
watchnerd wrote: ↑Mon Apr 12, 2021 3:06 pm Bah, I couldn't get my full limit order filled.

Even though I was offering the closing price.
Why didn't you use a market order?
See upthread

Because it would take the fun out of it?

UpperNwGuy

I would always go to my local jeweler.

UpperNwGuy

watchnerd wrote: ↑Mon Apr 12, 2021 3:06 pm Bah, I couldn't get my full limit order filled.

Even though I was offering the closing price.

Why didn't you use a market order?

UpperNwGuy

Conventional wisdom does have you shift assets into bonds at a higher proportion as you get older. I was 100% equities at your age and am now comfortable at 30% in bonds. I still have difficulty with moving towards a lower stock allocation. Therefore, I frequently review Jack Bogle’s “Common Sense ...

Search found 4983 matches