Search found 41 matches

by Tipro
Thu Jun 10, 2021 2:17 pm
Forum: Personal Investments
Topic: Mutual Fund Vs Money Market Account
Replies: 9
Views: 1207

Re: Mutual Fund Vs Money Market Account

Short term bond ETF like ISTB may suite you nicely
by Tipro
Fri Jun 04, 2021 6:00 pm
Forum: Investing - Theory, News & General
Topic: WisdomTree 90/60 US Efficient Core Fund [NTSX] (formerly US Balanced Fund)
Replies: 589
Views: 84360

Re: WisdomTree 90/60 US Efficient Core Fund [NTSX] (formerly US Balanced Fund)

keith6014 wrote: Fri Jun 04, 2021 5:53 pm My only gripe with NTSX is there are no options. One can only wish
Are you just wanting to write covered calls? Unsure why you'd want to buy options on this specific fund.
by Tipro
Sat May 22, 2021 9:14 am
Forum: Investing - Theory, News & General
Topic: WisdomTree NTSX now has siblings NTSI and NTSE launched today
Replies: 64
Views: 6819

Re: WisdomTree NTSX now has siblings NTSI and NTSE launched today

Nice. But I hope they use foreign treasuries instead of US treasuries in the bond part. Also, hope NTSX can attract more investors thus has more liquidity... For what it's worth, Wisdom Tree's brochure for these funds (https://www.wisdomtree.com/-/media/us-media-files/documents/resource-library/inv...
by Tipro
Fri May 14, 2021 2:06 pm
Forum: Investing - Theory, News & General
Topic: Should the Total World Index include Crypto?
Replies: 30
Views: 2515

Re: Should the Total World Index include Crypto?

VT is Vanguard's "Total World Stock Index Fund". It holds stocks, so yes as you pointed out it would be completely inappropriate for the stock index fund to hold something that's not a stock or security of any type. You would have to hold it separately. If crypto is something you want to ...
by Tipro
Fri May 14, 2021 2:02 pm
Forum: Investing - Theory, News & General
Topic: Should the Total World Index include Crypto?
Replies: 30
Views: 2515

Re: Should the Total World Index include Crypto?

Changing the subject slightly - are there single funds that track a market cap basket of all major asset classes? Stocks, bonds, crypto I guess. . . real estate, commodities, maybe even art?
by Tipro
Wed May 12, 2021 5:19 am
Forum: Investing - Theory, News & General
Topic: NTSX(90/60) corresponds to SPY and BND conversion
Replies: 9
Views: 680

Re: NTSX(90/60) corresponds to SPY and BND conversion

NTSX delivers the returns of both 90% large cap US stock and 60% intermediate treasuries, not an average of those two things. Not sure why you think the numbers you posted are concerning.
by Tipro
Sat May 08, 2021 12:13 pm
Forum: Investing - Theory, News & General
Topic: A bond rule of thumb better than "age in bonds"
Replies: 210
Views: 20909

Re: A bond rule of thumb better than "age in bonds"

For those who prefer to think in terms of wealth, rather than age, there's a roughly equivalent wealth-based rule of thumb. Compute your expected retirement withdrawals (in current dollars) as a multiple of your current retirement savings: this is (in percentage terms) your bond allocation. I've be...
by Tipro
Fri May 07, 2021 1:16 pm
Forum: Personal Investments
Topic: Short-Term Bond ETF: VCSH vs IGSB vs ISTB
Replies: 6
Views: 621

Re: Short-Term Bond ETF: VCSH vs IGSB vs ISTB

https://www.portfoliovisualizer.com/backtest-portfolio?s=y&timePeriod=4&startYear=1985&firstMonth=1&endYear=2021&lastMonth=12&calendarAligned=true&includeYTD=false&initialAmount=10000&annualOperation=0&annualAdjustment=0&inflationAdjusted=true&annualPe...
by Tipro
Thu Apr 29, 2021 1:04 pm
Forum: Personal Finance (Not Investing)
Topic: Retiring manager, when to take over?
Replies: 6
Views: 1249

Re: Retiring manager, when to take over?

Congratulations!

Unless this is a forced retirement, your manager probably recommended you for the job and may be offended if you didn't ask for their insight. Assuming you are taking over a management role, make sure to go over performance reviews with the old boss as well.
by Tipro
Fri Apr 23, 2021 12:22 pm
Forum: Investing - Theory, News & General
Topic: WisdomTree 90/60 US Efficient Core Fund [NTSX] (formerly US Balanced Fund)
Replies: 589
Views: 84360

Re: WisdomTree 90/60 U.S. Balanced Fund [NTSX]

Someone posted this a while back in this thread or another thread . I realize this is just a backtest approximation, but I tried to use it calculated expected return of this fund compared to 100% S&P 500 given current low rate environement. The current yield on short-term fund is 0.43%. For int...
by Tipro
Fri Apr 23, 2021 10:34 am
Forum: Investing - Theory, News & General
Topic: WisdomTree 90/60 US Efficient Core Fund [NTSX] (formerly US Balanced Fund)
Replies: 589
Views: 84360

Re: WisdomTree 90/60 U.S. Balanced Fund [NTSX]

Someone posted this a while back in this thread or another thread . I realize this is just a backtest approximation, but I tried to use it calculated expected return of this fund compared to 100% S&P 500 given current low rate environement. The current yield on short-term fund is 0.43%. For int...
by Tipro
Fri Apr 16, 2021 5:57 am
Forum: Investing - Theory, News & General
Topic: TIPS yield curve has dramatically steepened. Why? What does this mean for investors?
Replies: 27
Views: 3689

Re: TIPS yield curve has dramatically steepened. Why? What does this mean for investors?

Investors seem to be expecting that recent actions could cause a short-term boost in inflation but that long-term structural trends suggest that inflation will be tame over the next several decades.
by Tipro
Thu Mar 25, 2021 11:36 am
Forum: Personal Finance (Not Investing)
Topic: Home remodels right now
Replies: 12
Views: 1143

Re: Home remodels right now

I was recently quoted $120,000 for a 462 sq ft bed /bath add on. That's $260 / sq ft. A few years ago $80k might have been more inline. We said thanks no thanks. WSJ had a recent article about how home building supplies are all shooting up in price, and we're going to wait 12 - 24 months and try aga...
by Tipro
Mon Mar 22, 2021 3:58 pm
Forum: Personal Consumer Issues
Topic: Overthinking my Lawnmower Purchase (Push vs. Riding)
Replies: 56
Views: 3274

Re: Overthinking my Lawnmower Purchase (Push vs. Riding)

I have 3/4 acre and used to dread mowing with the push. Always let it get too high. Bought a used riding mower 2 years ago and I actually enjoy it now. Doesn't matter how hot and humid it gets I can always get it done. Never going back. Unless I had a real small yard, in which case I'd get an electr...
by Tipro
Sat Mar 20, 2021 11:48 am
Forum: Investing - Theory, News & General
Topic: WisdomTree 90/60 US Efficient Core Fund [NTSX] (formerly US Balanced Fund)
Replies: 589
Views: 84360

Re: WisdomTree 90/60 U.S. Balanced Fund [NTSX]

Note: I re-iterate that this fund must be seen similarly to a 100% stocks fund in terms of risk profile. It is not a 'balanced' risk fund, it is not a 75/25 fund... the equity risk exposure you're taking is still 90% stocks. And to pile on, in some markets this fund will be riskier than 90% stocks....
by Tipro
Fri Mar 19, 2021 5:46 pm
Forum: Investing - Theory, News & General
Topic: WisdomTree 90/60 US Efficient Core Fund [NTSX] (formerly US Balanced Fund)
Replies: 589
Views: 84360

Re: WisdomTree 90/60 U.S. Balanced Fund [NTSX]

Now that WisdomTree is developing two more ETFs like NTSX, one with Int'l developed and another with EM - Perhaps they should consider changing NTSX investment objective so that it tracks US Extended Market as well. I have been thinking about this as well. It makes sense that their next step would ...
by Tipro
Fri Mar 12, 2021 11:31 am
Forum: Personal Consumer Issues
Topic: 3 days in Asheville NC -- end of march weekend
Replies: 39
Views: 3360

Re: 3 days in Asheville NC -- end of march weekend

Botanical gardens are very nice. Eat at Zambra. My wife likes the Wake Foot Sanctuary. Check out the Battery Book Exchange, and Captains Shelf if they are open yet (closed all 2020 for COVID). Good parking at the Grove Arcade in general. If you come back in season, see the Montford Park Players, who...
by Tipro
Fri Mar 12, 2021 10:53 am
Forum: Investing - Theory, News & General
Topic: Google sheets not pulling stock prices
Replies: 209
Views: 33913

Re: Google sheets not pulling stock prices

In my Google spreadsheet, I use the GOOGLEFINANCE(ticker) as a default. But I have learned that it's flakey. It usually works, but sometimes it doesn't. Sometimes it's only a few funds not working, whereas other funds are correct. Maybe 1x per week? When it doesn't work, I don't stress out about. I...
by Tipro
Wed Mar 10, 2021 1:18 pm
Forum: Investing - Theory, News & General
Topic: Smarter approach to "emergency funds"?
Replies: 235
Views: 48085

Re: Smarter approach to "emergency funds"?

This thread is opening up my mind and I am sure learning a lot by reading through. At present, I'm in the situation of beginning to start my first taxable investments (outside of a very small EF.) All other assets are in 401k/Roths at 90/10 asset allocation split between S&P500/Total Stock and ...
by Tipro
Tue Mar 09, 2021 8:19 pm
Forum: Personal Finance (Not Investing)
Topic: Different viewpoint to encourage young savers
Replies: 2
Views: 456

Re: Different viewpoint to encourage young savers

I am struggling with whether this makes sense. If you need $2.25 million in today's dollars and have just $50k in today's dollars, you're just 2% there. I got $520k, not $417k. I understand what you did, but you can't just save $578k and call it a day because each year what you save becomes less an...
by Tipro
Tue Mar 09, 2021 6:51 pm
Forum: Personal Finance (Not Investing)
Topic: Different viewpoint to encourage young savers
Replies: 2
Views: 456

Different viewpoint to encourage young savers

This isn't revolutionary, and won't let you retire a single day earlier, but it hadn't occurred to me until reading the lifecycle investing threads and thought I'd share. I've saved only a couple years of expenses towards retirement, and it's daunting to think about how much further there is go to. ...
by Tipro
Sat Feb 27, 2021 1:10 pm
Forum: Personal Investments
Topic: Best place to park cash at Fidelity ?
Replies: 23
Views: 4285

Re: Best place to park cash at Fidelity ?

I’ve just learned about Toyota Income Driver notes which are not FDIC insured but are demand deposits paying 1.5%. That’s where I now plan on holding substantial cash balances. Interesting. A+ rated demand notes at 1.50% interest. I am not sure it is a good fit for me but I find the concept intrigu...
by Tipro
Fri Feb 26, 2021 8:10 pm
Forum: Personal Consumer Issues
Topic: Whole House Backup Generator or Tesla Powerwalls?
Replies: 26
Views: 3043

Re: Whole House Backup Generator or Tesla Powerwalls?

If this is not with great certainty your forever home, I wouldn't invest in the powerwall. And frankly I would get a smaller portable generator in that case than what you're looking at. Something sufficient to keep a heat pump, water heater, well and microwave running for several days would put you ...
by Tipro
Fri Feb 26, 2021 12:44 pm
Forum: Personal Investments
Topic: Short-ish Term Investing
Replies: 3
Views: 309

Re: Short-ish Term Investing

Decide on a long term asset allocation for your taxable and start working your way into it. Use portfolio visualizer to see what type of draw downs you might expect in a crash, and always leave enough in cash so that you will not drop below 6 months of spending (assuming that's your desired safety n...
by Tipro
Fri Feb 12, 2021 10:23 pm
Forum: Personal Investments
Topic: Decide 401k or Roth 401k
Replies: 25
Views: 1986

Re: Decide 401k or Roth 401k

I think you can hedge a little risk by diversifying your future tax obligations. I would do a bit of both.
by Tipro
Fri Feb 05, 2021 7:24 am
Forum: Personal Investments
Topic: Shift from Roth IRA to Roth 401k - any issues?
Replies: 5
Views: 363

Shift from Roth IRA to Roth 401k - any issues?

There's a chance that we will cross over the income limit for Roth IRA contributions in 2021. I've been maxing out my 401k and Roth IRA, but my employer offers a Roth 401k as well. I'm considering putting $6,000 into the Roth 401k, and then maxing out the rest of my traditional 401k and IRA space. A...
by Tipro
Fri Oct 23, 2020 11:47 am
Forum: Investing - Theory, News & General
Topic: 7 Reasons Not to Use a 100% Stock Portfolio - The White Coat Investor
Replies: 200
Views: 13910

Re: 7 Reasons Not to Use a 100% Stock Portfolio - The White Coat Investor

I'm 100% stocks in retirement accounts. At this stage in my life (mid 30s, just 2 years expenses saved for retirement) watching the market tank in March was easy. Back of the napkin here but as a percentage of my retirement goal I only lost 2% in Feb / March. Why would that bother me? At every paych...
by Tipro
Tue Sep 22, 2020 8:26 pm
Forum: Personal Consumer Issues
Topic: New Rolling Stone Top 500 Albums (which is a must buy?)
Replies: 48
Views: 4283

Re: New Rolling Stone Top 500 Albums

tenkuky wrote: Tue Sep 22, 2020 7:51 pm
atikovi wrote: Tue Sep 22, 2020 6:30 pm IBTL! tic tic tic...
Not really. Actionable as in..
Which of these new "top 500" should I go out and purchase as a priority?
Buy apple music or spotify. I can't imagine buying individual albums anymore when each one pays for a month of unlimited streaming.
by Tipro
Sat Sep 05, 2020 3:38 pm
Forum: Investing - Theory, News & General
Topic: Did bonds really beat stocks over the last 20 years?
Replies: 34
Views: 3839

Re: Did bonds really beat stocks over the last 20 years?

For what it's worth, long term treasury did beat TSM over 20 years. https://www.portfoliovisualizer.com/backtest-asset-class-allocation?s=y&mode=1&timePeriod=4&startYear=2000&firstMonth=1&endYear=2020&lastMonth=12&calendarAligned=true&includeYTD=false&initialAmou...
by Tipro
Thu Sep 03, 2020 5:53 pm
Forum: Investing - Theory, News & General
Topic: Selling SPY options, gains seem too good? Do I misundertand
Replies: 23
Views: 2251

Re: Selling SPY options, gains seem too good? Do I misundertand

I am completely new to this and am looking at the wrong part as you have stated. Can someone explain how to understand what you would make on selling puts of SPY? What columns do you look at and the math? I tried using Google to educate myself but clearly have failed! I understand why you say I hav...
by Tipro
Wed Aug 19, 2020 6:47 am
Forum: Personal Investments
Topic: Should we expect EE Savings Bond terms to change soon?
Replies: 19
Views: 2006

Re: Should we expect EE Savings Bond terms to change soon?

Quick EE question not worth its own thread: if I buy EE today at 0.1% fixed and don't cash after the 20 year doubling is applied, would the bonds continue accruing at 0.1% or at the 3.5% rate?
by Tipro
Thu Jun 11, 2020 5:46 pm
Forum: Personal Consumer Issues
Topic: Best car between $15,000 and $20,000?
Replies: 29
Views: 2811

Best car between $15,000 and $20,000?

I can't / won't buy something $150,000 to $200,000. What do you all like in the budget range?
by Tipro
Tue May 26, 2020 2:44 am
Forum: Personal Finance (Not Investing)
Topic: For EF "months", are we including unemployment benefits & stated severance policies? And both parts of a couple?
Replies: 19
Views: 1203

Re: For EF "months", are we including unemployment benefits & stated severance policies? And both parts of a couple?

You're overthinking. Keep some cash on hand, then gradually get more aggressive. Don't sweat not making the best possible return. This is your insurance policy.
by Tipro
Tue May 05, 2020 5:00 pm
Forum: Investing - Theory, News & General
Topic: Where should I put my spare Cash?
Replies: 4
Views: 679

Re: Where should I put my spare Cash?

You need earned income to contribute to an IRA. Keep it in savings. Best of luck.
by Tipro
Wed Apr 01, 2020 5:48 pm
Forum: Personal Investments
Topic: Roth Conversion during the time of the corona virus.
Replies: 9
Views: 811

Re: Roth Conversion during the time of the corona virus.

Reasons to: Cheaper stocks -> lower tax on the conversion.

Reasons not to: Paying the tax hit with all this craziness, well you may want that cash back. Conversions are a one-way street. If that's not a concern, I'd like a conversion makes sense sooner than later. YMMV
by Tipro
Wed Apr 01, 2020 5:47 pm
Forum: Personal Investments
Topic: Roth Conversion during the time of the corona virus.
Replies: 9
Views: 811

Re: Roth Conversion during the time of the corona virus.

Reasons to: Cheaper stocks -> lower tax on the conversion.

Reasons not to: Paying the tax hit with all this craziness, well you may want that cash back. Conversions are a one-way street. If that's not a concern, I'd like a conversion makes sense sooner than later. YMMV
by Tipro
Thu Jul 18, 2013 6:58 pm
Forum: Personal Investments
Topic: Young Investor- New Boglehead (7 Year Update - Thank you!)
Replies: 9
Views: 1542

Re: Young Investor- New Boglehead

Don't forget to save for that engagement ring! Making your wife happy is a wise investment imo
by Tipro
Mon Jul 15, 2013 1:08 pm
Forum: Personal Finance (Not Investing)
Topic: Anything better than Barclay's Online Savings?
Replies: 6
Views: 1532

Re: Anything better than Barclay's Online Savings?

Thanks everyone for helping out with this. Fighting for marginal gains really, but I'm not one to turn away what would essentially be free money.
by Tipro
Sun Jul 14, 2013 8:39 pm
Forum: Personal Finance (Not Investing)
Topic: Anything better than Barclay's Online Savings?
Replies: 6
Views: 1532

Anything better than Barclay's Online Savings?

First time poster. I'm a student graduating in December of this year. Married, spouse has income in mid 5 figure range. I'm inheriting roughly $40k that I will get in August, and will combine this with the $10k I have saved, currently in a mutual fund through Wells Fargo. Hoping to put the money tow...