Bogleheads.org

arcticpineapplecorp.

If you have to live to 88+ to break even, then this seems like a "no brainer." Just take it at 67. If you live beyond 88, then so be it. Also, if you take it at 67, you could invest the $42K each year for three years until 70. But I would suggest spend the whole thing and live it up. By t...

arcticpineapplecorp.

Could it be that the pension fund is assuming a certain rate of return which is easier to achieve when bonds are earning 4 or 5% rather than 1 or 2%?

arcticpineapplecorp.

Good luck with that then. Let us know how that goes. I'll stick with my boring investments and leave the excitement to you. I only invest in boring index funds as you do, but we need to acknowledge that the reason why we can do it is that other people are doing the dirty job of asset pricing for us...

arcticpineapplecorp.

if so, then isn't this a self correcting problem? Yes, but perhaps the time scale of self-correction might be long enough for the best active investors to outperform easily enough for it to be worthy. Good luck with that then. Let us know how that goes. I'll stick with my boring investments and lea...

arcticpineapplecorp.

if the market is inefficient then won't more people stop passively investing to instead arbitrage those inefficiencies in an active strategy?

if so, then isn't this a self correcting problem?

arcticpineapplecorp.

just heard this:
https://themoth.org/stories/double-whammy
Aditya Dakshinamourtay learns a lesson about negotiating.

arcticpineapplecorp.

JHU ALmuni wrote: ↑Fri Apr 16, 2021 5:23 pm Bitcoin.

said someone who wants others to prop up his/her bitcoin?

arcticpineapplecorp.

if you don't want to generate the cap gains tax you could: 1. change dividends/cap gains to cash (turn off reinvestment of cap gains and dividends) 2. use dividends generated from these funds to buy the vtsax/vtiax 3. keep the current shares to: a. donate now or later b. gift to children later (the...

arcticpineapplecorp.

here's the other thread about a similar topic:
viewtopic.php?p=5950195#p5950195

arcticpineapplecorp.

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...

arcticpineapplecorp.

if you don't want to generate the cap gains tax you could: 1. change dividends/cap gains to cash (turn off reinvestment of cap gains and dividends) 2. use dividends generated from these funds to buy the vtsax/vtiax 3. keep the current shares to: a. donate now or later b. gift to children later (the...

arcticpineapplecorp.

I wasn't sure how to phrase this, but one thing I noticed from reading this article (https://ercouncil.org/2019/top-ten-companies-by-market-cap-over-20-years/) is that the total market cap of the largest companies in the index relative to the rest of the index seems to be the highest in history. Ad...

arcticpineapplecorp.

have you looked at how much you'd get for trade in where you're buying your new car (assuming your replacing)? I'm surprised you got a lower offer from carvana than carmax. my mom's experience was the opposite, but oh well. She had offer from carmax in hand, but I'm not sure if she needed to present...

arcticpineapplecorp.

https://www.bogleheads.org/wiki/Prioritizing_investments Funding priority Here is a general account funding priority that often works well for many people (not all points will apply to everyone): Establish an emergency fund to your satisfaction. If you have many other high financial priorities (like...

arcticpineapplecorp.

if the stock market was due for a 10% decline and you have 50% in stocks, then that would be a 5% total decline. if that's a concern to you, then you shouldn't be 50/50. maybe you'd think 5%, huh? well that's nothing. but then you have to look at 5% of what? your overall portfolio. if you have $1 mi...

arcticpineapplecorp.

No index annuities. Don’t even get us started on these evil products. Please do tell. My understanding of an Index annuity is that if the market crashes you lose nothing and if the market rallies in a year, you get some of the upside. Return is typically better than a CD over most years and I am th...

arcticpineapplecorp.

... I also have family with total market index funds. The dividend income is more than enough to retire from. ... The yield on total market index fund is about 1.3%. If you can live on a 1.3% withdrawal rate, just about any strategy will work. this is only true if you assume: 1. you never withdrawa...

arcticpineapplecorp.

not with regularity, but it can. I think used Prius were going for more than new ones in early production because there weren't enough prius' to meet demand. Not sure that's the case anymore.

arcticpineapplecorp.

What are some extremely stable (not inflated) stocks that pay a modest dividend that are not affected by market corrections or movements? I have large cash holdings that lose money on all current CD or HISA bank options from inflation, and I want to stash this in a stable utility type company that ...

arcticpineapplecorp.

What are some extremely stable (not inflated) stocks that pay a modest dividend that are not affected by market corrections or movements? I have large cash holdings that lose money on all current CD or HISA bank options from inflation, and I want to stash this in a stable utility type company that ...

arcticpineapplecorp.

depends upon the level of risk you want, and time horizon, however, there are risks with short term bonds too: https://www.forbes.com/sites/rickferri/2014/07/02/the-risk-of-short-term-bond-funds/?sh=5ba5b35bf67b nothing wrong total bond index. just understand how it's likely to perform when interest...

arcticpineapplecorp.

there was a similar post about this yesterday on bogleheads (similar problem). I'll look (haven't found it yet). perhaps someone will find it.

arcticpineapplecorp.

Kenneth French has studied the dividend phenomenon and has documented that, historically, dividend paying stocks have provided higher total returns , with lower standard deviation of those returns, compared to non-dividend paying stocks. This may be a case of investors being willing to pay a higher...

arcticpineapplecorp.

Why do so many folks on here find dividend income undesirable if one needs income? Qualified dividends have the same tax rate as long term capital gains, so what difference does it make whether the income comes from selling appreciated assets or from dividends? Dividends are WORSE than selling the ...

arcticpineapplecorp.

sorry for the confusion. i'm retiring but my wife is going to continue to work for 4 more years. his comment about the reit because i was talking to him about now that i'm in 60/40 things to think about if we have a long recovery like we did from 99-10. I was reading about murdoch today and he said...

arcticpineapplecorp.

Do you have a reason for buying REITs other than a comment from your advisor? I find his stated rationale ("you have cash"), while it might be a good point to invest in *something*, I find the pivot to REITs, *specifically*, to be worthy of more elaboration for investing in a particular s...

arcticpineapplecorp.

thanks for the fund information. i said i would think about it. up to january i was 90% stocks US based and 10% bonds. i've shifted to 60/40 and sleep better that's for sure but i should be opening up to shifting to some international (europe) and some REIT. He was telling me i should look for reit...

arcticpineapplecorp.

did you hear the interview with Bill Bernstein on Saturday about his new book "The Delusions of Crowds: Why People go mad in groups"? Have you read Larry Swedroe's book "Rational Investing in Irrational Times". It covers 52 different types of mistakes common to investors. No. gu...

arcticpineapplecorp.

If YTD return equals annual withdrawal amount do I harvest gains or continue to evaluate any rebalancing based on AA tolerance bands? First year in retirement and deciding whether an additional year of expenses gained is worth harvesting in tax deferred accounts. 1. tax deferred accounts will requi...

arcticpineapplecorp.

That said, the capital gains estimator is still broken. When I reduce the "taxable income" in the cap gains estimator to $135,200, it still shows a $12k capital gains tax, taxing all $80k of the gains instead of the first $24,800 falling into the 0% LTCG bracket. In fact, if I input $80,0...

arcticpineapplecorp.

did you hear the interview with Bill Bernstein on Saturday about his new book "The Delusions of Crowds: Why People go mad in groups"? Have you read Larry Swedroe's book "Rational Investing in Irrational Times". It covers 52 different types of mistakes common to investors. No. I'...

arcticpineapplecorp.

three answers: I was waiting for your disapproval before deciding to buy. 1. did you read this: Wall Street analysts and Bitcoin-loving investors are forecasting that Coinbase could debut at a $100 billion valuation. To justify that number, the math shows, Coinbase would need to mushroom into the b...

arcticpineapplecorp.

If YTD return equals annual withdrawal amount do I harvest gains or continue to evaluate any rebalancing based on AA tolerance bands? First year in retirement and deciding whether an additional year of expenses gained is worth harvesting in tax deferred accounts. 1. tax deferred accounts will requi...

arcticpineapplecorp.

arcticpineapplecorp.

Looks to me like taxcaster asks for "taxable wages" ...I didn't go beyond that, but are they assuming you already subtracted out your standard deduction...back of the envelope math says every extra dollar would get taxed at 22% plus push a dollar into 15% cap gains, for a 37% bracket....3...

arcticpineapplecorp.

Looks to me like taxcaster asks for "taxable wages" ...I didn't go beyond that, but are they assuming you already subtracted out your standard deduction...back of the envelope math says every extra dollar would get taxed at 22% plus push a dollar into 15% cap gains, for a 37% bracket....3...

arcticpineapplecorp.

Looks to me like taxcaster asks for "taxable wages" ...I didn't go beyond that, but are they assuming you already subtracted out your standard deduction...back of the envelope math says every extra dollar would get taxed at 22% plus push a dollar into 15% cap gains, for a 37% bracket....3...

arcticpineapplecorp.

Hi Bogleheads, I have been doing my own taxes for many years but recently they've gotten just slightly more complex due to having a Trust. In general I feel like I have less time to do taxes since I am busy with my kids now too. So I am thinking of using a tax preparer, but I am not sure how I woul...

arcticpineapplecorp.

HueyLD wrote: ↑Wed Apr 14, 2021 11:39 am Taxslayer won the prize.

thanks. good to know.

arcticpineapplecorp.

However, if you plug in $80k ltcg and $160,000 total income combined with earned and ltcg (or even enter $135,200 total taxable income (i.e., line 15 on 1040), the amount after standard deduction) turbo tax cap gains calculator shows "estimated" $12,000 in cap gains tax (15%). This seems ...

arcticpineapplecorp.

What age did you use for the tax-payers? Since the standard deduction is different for over 65, maybe that could explain it? 49. was assuming the person was under 65. either way I don't think the numbers would be that different. the cap gains calculator at turbo tax doesn't ask age. the taxcaster d...

arcticpineapplecorp.

retiredjg wrote: ↑Wed Apr 14, 2021 11:24 am Could one of the estimators be using 2021 numbers while the TaxSlayer practice lab is using 2020 numbers?

possible but i don't think so. if you look at taxcaster and the cap gains tax calculator at turbotax they both indicate 2020

arcticpineapplecorp.

I recently heard a question on talking real money here at the 8:24 mark (https://www.talkingrealmoney.com/talking-real-money/2021/4/7/free-steak-dinners-are-back) that went like this: 1. MFJ 2. $80,000 earned income 3. wants to know if has additional $80,000 in long term cap gains will there be any ...

arcticpineapplecorp.

just saw this in George Sistri's latest Vectors:
http://www.oncoursefp.com/files/Vectors ... 0final.pdf

what do you think now??

arcticpineapplecorp.

have you tried a credit union?

that's who is more likely to write the smaller loans.

heard that on Clark Howard and also see it here:

https://www.lendingtree.com/home/mortga ... age-loans/

arcticpineapplecorp.

You might want to read Larry Swedroe's book "Rational Investing in Irrational Times". It covers 52 different types of mistakes common to investors. If you read it, you'll realize you're asking how to go about making Mistake 51 "Do You Chase the IPO Dream?" In this chapter Larry g...

arcticpineapplecorp.

https://clark.com/travel/how-to-get-rid-of-a-timeshare/
https://clark.com/travel/new-site-buyin ... imeshares/

arcticpineapplecorp.

VGK costs 0.08% per year: https://investor.vanguard.com/etf/profile/VGK that being said I have to ask: 1. are you slicing and dicing international between europe, asia, north america, south america, etc? 2. if so, wouldn't a total international (or total world) stock index fund be easier? 3. do you ...

arcticpineapplecorp.

looks like fidelity offers it:
https://www.fidelity.com/cash-management/checkwriting

arcticpineapplecorp.

whatever prevents tempting you from buying individual stocks, unsubscribe. there's no additional investment value to be had from t.v. and most of what's on the internet is of little to no value. once you've discovered the three fund portfolio, everything else you might need to know about (tax loss h...

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