Re: bogle.tools/saving - tool to Prioritize Investments (per bogleheads wiki) by Affable at 50 » Sat Dec 31, 2022 11:01 pm. The employee contribution limit for someone 50+ in 2023 should be $30,000, not $29,000, following the $7,500 catch up contributions. The tool has a lot of potential and you're off to great start.Beyond that just start reading boglehead forums for some of the things to consider... I woudln't rush into anything until you feel like you have a good grasp on the risks & issues. He indicates he spends less than $120K per year, so less than 1.7% withdrawal rate. I dunno, he may be cutting it close; maybe he should work another year.Information. Sorry but you are not permitted to use the search system.Bogleheads.org – Investing advice inspired by John Bogle. On the Forum, …Re: 2021/2022 retirees: your feelings. by RetirementClass2021 » Thu May 12, 2022 10:53 pm. I retired at the end of 2021. In the first week of 2022 I rolled over my retirement funds into an IRA that includes 5 ETFs allocated at 60/40. At the end of trading today my portfolio's value has dropped by 12.14% YTD.NTSX is a relatively new ETF from WisdomTree that launched in late 2018. Its name is the WisdomTree U.S. Efficient Core Fund (formerly WisdomTree 90/60 U.S. Balanced Fund). It holds entirely U.S. securities, investing in 90% straight S&P 500 stocks (think 90% VOO or SPY, for example) and 10% 6x treasury bond futures using a bond …Bogleheads regulars who will be participating are Bill Bernstein, Rick Ferri, Mike Piper, Jon Luskin, Christine Benz, Karen Damato, and Allan Roth. The first day will be dedicated to an expanded Bogleheads University. There will be two tracks this year: "Bogleheads 101," for investing fundamentals, and new this year, "Bogleheads 501 ...21 hours ago · ↳ The Bogleheads® Wiki: a collaborative work of the Bogleheads community; ↳ Canada - finiki (wiki) Community; ↳ Personal Consumer Issues; ↳ Local Chapters and Bogleheads Community; ↳ US Chapters; ↳ Wiki and Reference Library; ↳ Non-US Chapters; ↳ Calendar of Events; ↳ Forum Issues and Administration Welcome to the Bogleheads Forum! You have selected my favorite stock and bond funds. Don't worry about a temporary decline in either one. Investing during market lows (when stocks and bonds are cheap) is one of the smartest things you can do. I doubt you have only an "8-10 year time-frame." Most of us have an investment "time-frame" until we die.It's varied so much dependent upon age, kids (expenses) and income over the years I don't even know if my current average can even come close to representing the average over time. 20's - 30's probably around 10% (talking 2-5K/year) 40's got up to 25% (around 20-30Kish/year) 50s 45-50% (around 90-95k/year) pasadena.A: Whether or not to add international stocks is one of the most controversial subjects on the Bogleheads Forum. In my book, I recommend that international stocks represent 20% of equity for U.S ...It's the yield with the decimal point shifted one place to the right. So, the 10 year yields 2.362. You're setting 23.62 as the quote. stlutz wrote: ↑ Sat Dec 02, 2017 5:07 pm It's the yield with the decimal point shifted one place to the right. So, the 10 year yields 2.362. A look at what a Boglehead is, and how they follow the investing philosophies and lessons of Jack Bogle the founder of Vanguard. The College Investor Student Loans, Investing, Building Wealth Updated: July 17, 2022 By Robert Farrington 85Sh...The new Diehards in the Vanguard forum I wrote about two weeks ago was renamed to Bogleheads forum. It moved to the diehards.org. domain, which has been the more popular entry point for the old Morningstar forum.. Diehards.org is the #1 spot on Google when you search for “Vanguard Diehards.” They changed the forum’s name to …The durations of DODIX, WATFX, and USAIX are 4.7 years, 7.54 years, and 6.41 years, respectively. Bond funds are not bank accounts. They are far less risky than stocks, but they are not bank accounts. The appropriate holding period for a bond fund is the duration of the fund, maybe a little less.New Boglehead Member Seeks Portfolio Advice. by WinterSkies » Mon Jun 06, 2022 3:25 pm. Greetings to all, I am a new Bogleheads member and am seeking advice and/or insight to my portfolio and the way it stands and any improvements that could be implemented. Thank you in advance!! Age: 25. Salary: $75,000.Information. Sorry but you are not permitted to use the search system. Hi Bogleheads, I recently reread JL Collin's books "The Simple Path to Wealth" and am inspired to simplify my portfolio in Bogleheads fashion. I am currently maxing out my Roth IRA and Roth 457. In these accounts i would like to go with SWTSX (Schwab Total Stock Market Index Fund). Later on down the road i plan on taking a lump sum pension and ...Important to mention it is a ban on discussion centering on crypto, not a blanket ban. Personally I think it makes sense in the context of bogleheads. Crypto is speculation, there is no metrics to determine valuation, and Jack Bogle was staunchly against it , even more than his aversion to gold and other commodity. 141.Re: Vanguard hedge fund. by arcticpineapplecorp. » Sat May 07, 2022 1:34 am. here's what the "product summary" at vanguard says: This fund has a unique and complex investment approach, compared with other Vanguard funds. Its goal is to "neutralize," or limit, the effect of stock market movement on returns. Because of this, the fund's ...From Bogleheads. This article contains details specific to United States (US) investors. For non-US investors, acting on fund or ETF suggestions in it may have harmful US tax consequences. Exchange-traded funds (ETFs) have become increasingly popular due to their low barrier to entry. [1] Major brokerages such as Fidelity, Schwab and Vanguard ...Jan 27, 2023 · This forum is always full of the discussion du jour. Recency is a powerful force. Trying to use conversations on Boggleheads to find lasting points of consensus on most things does not work very well. More often conversations just spread out a wider range of options and opinions than existed before. Re: bogle.tools/saving - tool to Prioritize Investments (per bogleheads wiki) by Affable at 50 » Sat Dec 31, 2022 11:01 pm. The employee contribution limit for someone 50+ in 2023 should be $30,000, not $29,000, following the $7,500 catch up contributions. The tool has a lot of potential and you're off to great start.Welcome to the forum. Your accountant is mistaken. That fact that you each have a plan at work does not mean that you cannot contribute to a traditional IRA. ... Bogleheads are probably less than 1% of the population. (About 40-50% of the US population doesn't even have to file!). And not even all Bogleheads need to use this strategy since ...I'm new to the Boglehead forum so I'm ready for the help. $270k between ROTH and Traditional IRAs. I'm 45. I was looking at a simple 25% in large, mid, and small cap, and international mix. I understand I probably have some bonds but not ready for that leap yet. 20% VIGRX 05% VVIAX 25% VIMAX 25% VSMAX 25% VWILXThis will increase your Medicare Part A and Part B out-of-pocket. But still give you an annual maximum out of pocket ($2,700 in 2023 indexed to CPI) and will lower your premium. You can't use your HSA (and I assume your RMA) to pay Medicare Supplemental premiums. So, with a G HD supplemental plan you will use your HSA quicker but leave more in ...Multiply this percentage by the remaining balance of your portfolio. Withdrawal = P X Balance. Here is an example for a 65-year old person with a 40% Stocks / 60% Bonds $1,000,000 portfolio: At age 65, the percentage (age 65 in the 40/60 VPW Table) is 4.6%, so she withdraws $46,000. At age 66, the percentage is 4.6%.Bogleheads.org – Investing advice inspired by John Bogle. On the Forum, …Bogleheads: The 2022 Boglehead Contest has ended with sincere thanks and appreciation to Ralph Arvesen who has managed the Boglehead Contests since 2003 but has been called away this year because of a severe illness in his family. Recap of 2022 Contest: * The S&P 500 Index closed today at 3839. This is a loss of -19.4% in 2022. * Palaheel had the winning forecast of 3820, outguessing 659 ...Move enough that you feel you did something, but not so much that your course is dramatically changed. Small course changes are much better than abandoning the ship. 1) Invest you must 2) Time is your friend 3) Impulse is your enemy | 4) Basic arithmetic works 5) Stick to simplicity 6) Stay the course. retiredjg.Makes me thankful for the rules that exist on Bogleheads forum and the moderators that enforce them. Still like Jim's blog and other publishings, but the forum is a mess. I think you're right, so much emphasis on early retirement that slow and steady diversified index investing is not attractive.The Bogleheads forum is a great place to give and get free, unbiased advice. Members discuss various topics such as personal investing, investing theory, personal finance, …york pa weather forecast
The Bogleheads forum is a great place to give and get free, unbiased advice. Members discuss various topics such as personal investing, investing theory, personal finance, personal consumer issues, non-U.S. investing, and local chapters news and events. Registration is free.Welcome to the forum. Your accountant is mistaken. That fact that you each have a plan at work does not mean that you cannot contribute to a traditional IRA. ... Bogleheads are probably less than 1% of the population. (About 40-50% of the US population doesn't even have to file!). And not even all Bogleheads need to use this strategy since ...Bogleheads Stay the Course. Bears and market volatility don’t scare these die-hard Vanguard investors. On the morning of Thursday, October 13, as the Dow Jones industrial average plunged more ...The forum topic "Active vs. Passive Investing" has all of 10 posts, the last in 2009. When asked at the October gathering how many Bogleheads use active fund managers, only seven sheepishly raised ...Forum is registered with the U.S. Securities and Exchange Commission as an investment adviser and with the U.S Commodity Futures Trading Commission as a ...Multiply this percentage by the remaining balance of your portfolio. Withdrawal = P X Balance. Here is an example for a 65-year old person with a 40% Stocks / 60% Bonds $1,000,000 portfolio: At age 65, the percentage (age 65 in the 40/60 VPW Table) is 4.6%, so she withdraws $46,000. At age 66, the percentage is 4.6%.In this forum, we rarely mention the names of the managers of the Total Stock Market Index Fund or the Total Bond Market Index Fund. (They are mentioned mostly when, e.g. they get interviewed for the Bogleheads' podcast!) People do not pay close attention to management changes.As described above, the leveraged ETFs for the strategy borrows money at a short term rate and invests it into the S&P 500 (in the case of UPRO) and long term Treasuries (in the case of TMF). As of November 2018, the borrow rate of UPRO's swaps was 2.87%. This cost is on top of the 0.92% expense ratio. As of October 2018, the borrow rate of TMF ...Computer etiquette is the proper way to communicate while interacting with people online. Whether it’s done in an email, a chat room, a forum or a blog, there are certain things to keep in mind to ensure that what an individual writes is un...Re: [Boglehead vs Mr Money Mustache philosophies] The MMM philosophy is basically live below your means to such a degree as to enable not only the ability to retire but to retire early (some would say extremely early). Bogleheads believe in the value of living below your means but are not as concerned (as a group) about early …January 10, 2023 by blbarnitz. William Bernstein, investment manager and author, first introduced a version of his “Coward’s portfolio” in 1996. The “coward” refers not to the investor’s risk tolerance but to the strategy of hedging one’s bets and having slices of a number of asset classes. An indexed 60% equity/ 40% fixed income ...↳ The Bogleheads® Wiki: a collaborative work of the Bogleheads community; ↳ Canada - finiki (wiki) Community; ↳ Personal Consumer Issues; ↳ Local Chapters and Bogleheads Community; ↳ US Chapters; ↳ Wiki and Reference Library; ↳ Non-US Chapters; ↳ Calendar of Events; ↳ Forum Issues and Administrationpaalaa kai bakery
I'm ready to Bail on Vanguard. by rick51 » Wed Mar 30, 2022 9:54 pm. I suspect Vanguard has become a victim of its own success. And the competition that scoffed at the Vanguard business model of offering low cost index funds has scrambled to copy and they have taken a chunk out of the Vanguard growth engine.In today’s digital age, having a unique and eye-catching profile picture is essential. Whether you’re using it for your social media accounts, professional platforms, or online forums, a well-designed profile picture can make a lasting impr...So, if you are 40 years old, then use a 60/40 (equity/bond) allocation. • 110 minus your age = equities (110-40 yrs old=70/30 asset allocation) • 120 minus your age = equities (120-40 yrs old = 80/20 asset allocation) • Vanguard can also help you Create an Investment Plan and can make an investment recommendation.Starbase wrote: ↑ Thu Jan 05, 2023 8:04 am My wife has been acting very distant and aloof since about October. On NYE she was really quiet and on New years day she said she wanted to separate. I said I'm not interested in separation, if she wants to leave let's divorce right away (but really hoping she changes her mind and drop the separation and divorce talk).Welcome to the Bogleheads Forum! I am retired in the situation you describe--my income "covers ALL of my retirement living costs." Although I hold a small percentage of bonds, I think a 100% stock portfolio (plus cash for everyday expenses) is acceptable. Best wishes TaylorSep 23, 2007 · - A template that can be used to create a forum post is in the wiki. See: Asking portfolio questions - Bogleheads - Post revised by admin LadyGeek, Suggestion for updating "Asking Portfolio Questions" thread, June 24, 2019. - Post revised by moderator Misenplace, Suggestion for updating "Asking Portfolio Questions" thread, October 20, 2020. This isn’t a joke post. I really mean it—if you already have a strategy and in true boglehead fashion are sticking to it ... (and the boglehead forums) are a good way to find the counter argument when someone has a /really/ good pitch for something batshit crazy but you don't know whats wrong with it.Inconsistencies with the Boglehead principles? Discuss all general (i.e. non-personal) investing questions and issues, investing news, and theory. 69 posts 1; 2;pll media credentials
There are many things like Tether that should have brought down crypto that happened earlier like Mt.Gox collapse yet it survived. Land/Real Estate:89.4% (Land/RE is Inheritance which will be recieved in 10-20 years) Equities:7.6% Fixed Income:1.7% Gold:0.8% Cryptocurrency:0.5%. Anon9001.Jan 27, 2023 · This forum is always full of the discussion du jour. Recency is a powerful force. Trying to use conversations on Boggleheads to find lasting points of consensus on most things does not work very well. More often conversations just spread out a wider range of options and opinions than existed before. by stillkickin » Sat Jan 07, 2023 3:42 pm. First post here. At about 25.5 minutes into the 6/22/22 Bogleheads Live podcast, Dr. William Bernstein, speaking of stock risk, says he's learned that stocks are, "three mile island, nuclear toxic for the retiree." This struck me as a bit over broad and overstated, to say the least.Just an FYI - Fidelity offers a Solo 401k that has no fees, and also allows you to purchase T-Bills (and brokered CDs if you decided to go that way) without fees. I suggest that might be a good place to research. "Superhuman effort isn't worth a damn unless it achieves results." ~Ernest Shackleton.boognish wrote: ↑ Fri Sep 02, 2022 4:56 pm I would like to have more foreign assets in my Roth IRA to diversify. I currently have about 10% in foreign markets, with about 8% of that in VEA and 2% in VWO. I've been thinking about making all future contributions for a while go into VEA, until I get to ~20%, but it seems like everyone is really down on …January 10, 2023 by blbarnitz. William Bernstein, investment manager and author, first introduced a version of his “Coward’s portfolio” in 1996. The “coward” refers not to the investor’s risk tolerance but to the strategy of hedging one’s bets and having slices of a number of asset classes. An indexed 60% equity/ 40% fixed income ...As described above, the leveraged ETFs for the strategy borrows money at a short term rate and invests it into the S&P 500 (in the case of UPRO) and long term Treasuries (in the case of TMF). As of November 2018, the borrow rate of UPRO's swaps was 2.87%. This cost is on top of the 0.92% expense ratio. As of October 2018, the borrow rate of TMF ...Bogleheads.org – Investing advice inspired by John Bogle. On the Forum, members discuss financial news and theory. The members also welcome less experienced investors who have questions about investing or who need help to develop their portfolios. The most recent Forum posts are summarized below. Post Listings View subforum list.Who is online. In total there are 896 users online :: 59 registered, 21 hidden and 816 guests (based on users active over the past 5 minutes) Most users ever online was 7738 on Sun Aug 20, 2023 12:39 pm.Yet Another Post About Bond Fund Capitulation. by JSparks » Thu Oct 13, 2022 7:59 pm. So much has been posted here lately about bond fund capitulation vs staying the course that my head is spinning. Half of my 401k is in a Dodge & Cox Income fund (DODIX, with a 5.2 year duration) and like so many others, I've lost decent money there.The non-hybrid brand doesn't offer a hybrid in the model I like. Normally the price difference is a couple of thousand, but due to the hybrid not being available in the base trim, the difference is more like $4,000. Given the low miles I drive yearly, it would take 8 to 9 years to break even with the hybrid at today's average gas price.Yet Another Post About Bond Fund Capitulation. by JSparks » Thu Oct 13, 2022 7:59 pm. So much has been posted here lately about bond fund capitulation vs staying the course that my head is spinning. Half of my 401k is in a Dodge & Cox Income fund (DODIX, with a 5.2 year duration) and like so many others, I've lost decent money there.Bogleheads Forum. Another way to learn more about what is a Boglehead exactly is by visiting Bogleheads.org. This is a free online forum that discusses all things Boglehead-related. The forum is not associated with Vanguard. It’s run by average investors who love investing in index funds.I retired two weeks ago. I'm 72. I have (now) $95,000 in a Voya 457 (b) in these funds: Voya Intermediate Bond Fund 41.7% (IIBPX) Vanguard Target Retirement 2050 58.3% (VFIFX) The agent who manages the 457 (b) suggested that I move this money into an IRA, specifically the Voya Select Advantage Fund. That fund contains IIBPX, but no Vanguard ...Sep 10, 2016 · Bogleheads forum topic: "Downloadable Social Security Benefit Estimator", neurosphere. Oct 31, 2018. (Regularly updated with up-to-date versions). Provides ballpark estimates of social security benefits, as well as allow you to simulate the effects of future price and wage inflation in order to convert benefits more "accurately" into "today's ... As described above, the leveraged ETFs for the strategy borrows money at a short term rate and invests it into the S&P 500 (in the case of UPRO) and long term Treasuries (in the case of TMF). As of November 2018, the borrow rate of UPRO's swaps was 2.87%. This cost is on top of the 0.92% expense ratio. As of October 2018, the borrow rate of TMF ...Aug 21, 2023 · The Bogleheads follow a few simple investment principles that have historically produced risk-adjusted returns that are better than the returns of average investors. These principles are the results of Nobel prize-winning research on Modern Portfolio Theory and the Capital Asset Pricing Model. They are however easy to understand and implement ... Mortgage or Pay Cash. My 60 year old father has $1,275,000 at Vanguard. He is buying a house that costs $469,000. Which scenario makes more sense financially? Scenario A - Put 20% down ($93,800) and get a mortgage ($375,200) at 4% interest. Vanguard account would have $1,181,200. Scenario B - Pay $469,000 in cash.who has the fastest 40 yard dash
The forum topic "Active vs. Passive Investing" has all of 10 posts, the last in 2009. When asked at the October gathering how many Bogleheads use active fund managers, only seven sheepishly raised ...Penthouse Letters Magazine can be read for free on websites such as Magzus and Magstack. Each of these sites provide access to the full magazine; however, they only stock a small number of back issues. Access to the magazine is only within ...The Bogleheads community. The Bogleheads community encompasses the forum, the wiki, and an investment blog. Affiliate sites include a presence on Facebook, Reddit and Twitter; a regular series of podcasts and The John C. Bogle Center for Financial Literacy.. The Bogle Center has established the Bogleheads YouTube channel, and sponsors the U.S. Bogleheads Conferences, the Bogleheads Virtual ...One thing Gouri, The Finance Buff, also known as his name is Harry Sit, he often–he’s a Boglehead who writes on the Boglehead forum–he has his own blog thefinancebuff.com. I think he had a wonderful article years ago, and he called it “Safety in the Mainstream” and basically it relates to the Stoic values that you were talking about.Dec 24, 2022 · Breakeven inflation (BEI) is about 2-2.4% across most of the TIPS yield curve; e.g., the 10/15/2027 yield is 1.54%, and the 9/30/2027 nominal yield is 3.89%, so the BEI is 2.36% (2.30% if using seasonally adjusted TIPS yields). If you think this is low for expected inflation, then TIPS are even a better deal for you. NTSX is a relatively new ETF from WisdomTree that launched in late 2018. Its name is the WisdomTree U.S. Efficient Core Fund (formerly WisdomTree 90/60 U.S. Balanced Fund). It holds entirely U.S. securities, investing in 90% straight S&P 500 stocks (think 90% VOO or SPY, for example) and 10% 6x treasury bond futures using a bond …In today’s digital age, having a unique and eye-catching profile picture is essential. Whether you’re using it for your social media accounts, professional platforms, or online forums, a well-designed profile picture can make a lasting impr...Bogleheads feel that "enough" is a minimum, but more is better. Freedom isn't worth having less stuff, or at least isn't worth the risk that enough may not really be enough long term. That said, many Mustachians are also on Bogleheads for financial information. In that way, the Bogleheads forum feels more one dimensional compared to the MMM forum.•Boglehead since 2004 (net worth zero to FI in 14 years) •25 thmost prolific poster on the forum (used to be 8 ) •Took the Boglehead philosophy to my profession via a successful online business •Author of four books on personal finance, investing, and asset protection and multiple book chaptersA portfolio held by many Bogleheads forum members is the three fund portfolio, which allocates investments among a U.S. Total stock market index fund, a Total International stock market index fund, and a U.S Total bond market index fund. Many Bogleheads extend the bond portion of this portfolio to include a fourth asset class, U.S. inflation ...I don't remember what I was searching for on the internet back in 2011, but my search led me to the Boglehead's forum. They mentioned the upcoming August Twin Cities meeting so my husband and I attended. We have attended every meeting since then. The Boglehead's approach to investing resonated with both my husband and with me.Because you had to pay $5 to post on the Morningstar forum and not too long after I paid it, we all moved to Bogleheads.org. 1) Invest you must 2) Time is your friend 3) Impulse is your enemy | 4) Basic arithmetic works 5) Stick to simplicity 6) Stay the course. Mr.BB.A forum for the discussion of the MonAmour 2A3 monoblocks amp kit. 499 Posts 52 Topics Last post by Altecboy in By Pass Capacitors on B... on September 13, 2023, 06:05:44 AM Kaiju Stereo 300B amp. A forum for discussing the Bottlehead Kaiju stereo/mono 300B power amplifier kit. 2368 Posts 234 Topics Last post by …jw woodward obituariesBut it is true the change stock earnings yield since the big yield increase is much less than TIPS yield increase. Using 1/CAPE as simple (imperfect, sure) proxy for S&P earnings yield 1/29.5 now=3.4% call it 3.5% for consistency, was 1/36.94=2.7% in beginning Jan '22. 5 yr TIPS yield was -1.58%.The Bogleheads forum does not have any built-in facilities for including images in posts. Posting images in the Bogleheads forum is a rough-and-ready guide to how to do it. Unfortunately, exact step-by-step details depend on what platform you're using (Windows, Mac, Linux), what browser you are using (Firefox, IE, Safari), and what image-editing tools you have at your disposal, so this article ...Re: Boglehead suggestions for a new sofa? Post by JBTX » Wed Nov 18, 2020 6:24 pm totallynotsure wrote: ↑ Fri Nov 13, 2020 12:54 am i'm thinking this is more of a cry once (or a couple times) buy once. instead of buying something in the $5-800 range that will likely need to be replaced within 5 years, i'm thinking of spending a bit more and ...The second is a 98-year-old man named Taylor Larimore. Larimore is known as “the king of the Bogleheads.”. More on what a Boglehead is shortly, but count me among the hundreds of thousands of people who continue to benefit from Larimore’s wisdom. Larimore is a World War II veteran who was paratrooper in the 101st Airborne Division …An example of an actual reusing password is if you reuse your boglehead forum password to log into your bank. Top. UpperNwGuy Posts: 9037 Joined: Mon Oct 09, 2017 12:16 am. Re: Question about login.gov. Post by UpperNwGuy » Thu Jan 12, 2023 11:20 pm.It's varied so much dependent upon age, kids (expenses) and income over the years I don't even know if my current average can even come close to representing the average over time. 20's - 30's probably around 10% (talking 2-5K/year) 40's got up to 25% (around 20-30Kish/year) 50s 45-50% (around 90-95k/year) pasadena.In other words, now as well as in retirement, you are and will be firmly in the 22% tax bracket. So whether you contribute to a Roth IRA or a Traditional IRA, you will end up paying the same marginal tax rate. But, as the law stands now, the 22% tax bracket will disappear in 2026. It will become 25% tax bracket then.In other words, now as well as in retirement, you are and will be firmly in the 22% tax bracket. So whether you contribute to a Roth IRA or a Traditional IRA, you will end up paying the same marginal tax rate. But, as the law stands now, the 22% tax bracket will disappear in 2026. It will become 25% tax bracket then.It is true that for the three months Jan 2023-Mar 2023 AVUV has lost compared to the others. Stock performance over months is meaningless noise. Stock performance over years can be more noise than system. Some stock performance, such as a higher return for small cap and value may just be happenstance even over decades.I'm realizing that writing a bogleheads forum post is a lot more time-consuming than reading one. Top. Gryphon Posts: 589 Joined: Sat May 07, 2016 4:43 pm Location: Missouri. Re: Early retirement, qualifying for ACA subsidy. Post by Gryphon » Wed Nov 30, 2022 5:39 am.In 1998, a small group of cost-conscious investors who called themselves "Vanguard Diehards" formed a group chat on a Morningstar electronic forum. Two years later, 22 Diehards met Bogle for ...The Bogleheads forum does not have any built-in facilities for including images in posts. Posting images in the Bogleheads forum is a rough-and-ready guide to how to do it. Unfortunately, exact step-by-step details depend on what platform you're using (Windows, Mac, Linux), what browser you are using (Firefox, IE, Safari), and what image-editing tools you have at your disposal, so this article ...Brokerage 2: RobinHood. ESPP: E*Trade. HSA: WealthCare (through my Medical Provider Anthem) I actually like E*Trade user interface compared to Fidelity, but I know Fidelity has more options so I want to convince my employer to start moving the company's HSA, 401k, and ESPP to Fidelity just to consolidate everything.The Bogle Center Board has made the following announcement on the Boglehead forum:The Bogleheads ... Read More. August 9, 2021 . ... The Boglehead® 11 conference was held in Philadelphia, Pennsylvania. The conference was sponsored by ... Read More. May 6, 2020 .deku vs asta
For example, today I bought 125 of the T bill maturing 5/11/23, so a term of 4.7 months, at a yield of 4.52%, which is a TEY for me of 5.14% at marginal tax rates of 22% and 9.3%. The closest maturity new-issue CD I see at Fidelity is one maturing 5/5/2023 at a yield of 4.35% that settles 12/21/2023. So the CD yield is lower than the T bill ...Bottomline, become a Boglehead and prosper! Originally just the chat-line ruminations of Boglehead founder Taylor Larimore, and Morningstar forum leading cohorts Mel Lindauer and Michael LeBoeuf, their trusted advice has been brewed and distilled into an easy-to-use, need-to-know, no frills guide to building up your own financial well-being …What I do in 2023 is mainly due to my imminent retirement in April, 2023. - Will still buy our usual $10K I-bonds each next week + $5K tax refund as we've been doing since 2017. - Will cancel life insurance in February and employer provided life insurance will naturally disappear. No more need.As described above, the leveraged ETFs for the strategy borrows money at a short term rate and invests it into the S&P 500 (in the case of UPRO) and long term Treasuries (in the case of TMF). As of November 2018, the borrow rate of UPRO's swaps was 2.87%. This cost is on top of the 0.92% expense ratio. As of October 2018, the borrow rate of TMF ...Boglehead 3 fund 50% each small cap value and gold (silly allocation, just showing how easier it is to get something more efficient than VTI) ... If you go and read the original forum it was well known that periods of rapidly rising interest rates would hurt the strategy as stocks and bonds fall in tandem.Joined: Thu Dec 26, 2013 7:12 pm. Re: Top 10 Things Bogleheads Get Wrong - White Coat Investor. by core4portfolio » Mon Jun 22, 2020 10:39 pm. Bogleheds forum is meant for advising the strategy to normal person in most understandable way. Save money wherever possible and avoid fund managers are general concepts.Sep 29, 2023 · The Bogleheads® Wiki: a collaborative work of the Bogleheads community New Investors, Philosophy, ... Discussions about the forum and contents 1862 Topics 29185 ... Now may be a good time to get a dreaded lease that this forum often derides. I sold my old car (Toyota Corolla) for $3k less than I bought it 5 years before then leased a new car (2021 Hyundai Sonata) for $204 per month for 35 months after scouring the sites of all the local dealerships for lease deals on cars that had been sitting for too long.What is a 'Boglehead' Anyway?! While it means different things to different people, the 'Bogleheads' (or: passive indexing) approach to investing is all about low-cost, tax-efficient, broadly diversified, long-term simplicity.The start of the 24% tax bracket for MFJ is $190,750 + standard deduction of $27,700 = AGI of $218,450. (OK, there is a $10k window here where a person can be in 24% tax bracket yet can make direct Roth IRA contributions, but it is quite narrow window).inandrajog wrote: ↑ Thu Mar 02, 2023 9:03 pm I am new to the Bogleheads forum and this is my first forum post. I have been index investing with Vanguard for over 25 years and am sold on the idea of passive investing as opposed to chasing the latest high flying fund/stock.united funeral home new albany ms
There are a large number of professionals, Doc's, CPA's, investors, and engineers on the Bogleheads forum. Therefore, there is an element of "lifestyle creep" with higher pay etc. When discussions of withdraw rates and "needed income" get posted, I stay clear. For many here, it becomes silly.Below I put the 7-day yield, followed by the % of income from US Govt Securities in 2021, which may not be taxable in your state. Could not find 2022 figures. core options: SPAXX Fidelity® Government Money Market Fund 3.85%, 52.9%. FZFXX FIDELITY TREASURY MONEY MARKET FUND 3.96%, 100%.I was a first-time conference attendee this year, after considering myself a Boglehead and lurking on the forum for many years. My friend attended with me, who hadn't heard the term Boglehead until fairly recently. We both found the conference very enjoyable and useful. I agree with all four of welderwannabe's suggestions, and have two …Live where you want to live. Most of the time the tax situations amount to a few hundred or maybe a few thousand bucks difference. Compare that to where you spend your life, enjoying 365 days a year minus vacations. I say this because I think Bogleheads are notorious for letting small financial differences guide their decision making.The Wiki is a comprehensive investing and personal finance reference that was built and is maintained by members of the Bogleheads® community. Many newcomers find that a good way to begin is by reading these Wiki articles: Getting Started and the Bogleheads' investment philosophy. On the Forum, members discuss financial news and theory.Some Bogleheads just hold one fund, BND or a similar index fund from another provider for bonds. It is possible that the multi-fund bond portfolio managed by Ameriprise was less diversified than just BND. Another well designed bond portfolio is the one recommended by David Swensen, who was the chief investment officer of the Yale endownment ...