Investing - Theory, News & General • Why "traditional" asset...
returns in equity heavy portfolios will offset even the worst sequence of returns risk. Even with the risk of a 50% drawdown an equity heavy (or all equity) portfolio outperforms over the course of a...
View ArticlePersonal Finance (Not Investing) • Do LLC Expenses Reduce Our Overall AGI?
Your LLC will probably have to depreciate the tractor because it has a useful life of more than one year and it's over the de minimis amount. A quick Google search shows that it's either 5 year or 7...
View ArticlePersonal Finance (Not Investing) • College Scholarship, 529, AOTC, Taxes,...
My daughter is currently enrolled in college. She received a full scholarship. For this semester she received $12,500. The school paid her tuition ($3000) and housing ($4500) and refund $5000 to her...
View ArticlePersonal Finance (Not Investing) • Trust Services: Fidelity v Schwab v...
roguewarrior01. If you have a 2 fund portfolio, I suspect you know the benefits of a simple, low cost portfolio. I have no confidence in >95% of financial planners / portfolio managers to do...
View ArticlePersonal Consumer Issues • One benefit of money in retirement
You touring on a bicycle?Weeks of hot (90 degree) weather and in one day it turns to rain and 50s!I hope your trip is fabulous!Thanks! Not on a bike this time, but I retired this year and bike touring...
View ArticleInvesting - Theory, News & General • Direct Indexing-personal situation...
I have never heard the claim that direct indexing has lower tracking error than an equivalent index fund. Do you have a source for that? And a source ideally that is not trying to sell something. I've...
View ArticlePersonal Investments • Early Retirement Now - SWR [Safe Withdrawal Rate]...
Thanks Ben. Have you looked at the EarlyRetirementNow SWR toolbox? I totally get that a binary SWR approach is over-simplistic, but Karsten's done both Monte Carlo and historical analysis to come up...
View ArticlePersonal Investments • A positive Fidelity experience
Then again, my early investing exposure was work's 401K and Thrift Plans, way back in the dark ages. Investment were bought once a month approx the 15th of the following month. You could only change...
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Non-US Investing • Looking for portfolio advice for early 30s
[Moved to Non-US Investing subforum - moderator Kendall] Hello - please, I am looking for some advice on how to start investing. My portfolio thoughts are below and I am thinking of putting my savings...
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Investing - Theory, News & General • HEDGEFUNDIE's excellent adventure...
Hi comeinvest,What does "FOP" stand for? Thanks! Futures optionsThanks, I had not seen this initialism before. Is this use of futures options as collateral related to box spreads with futures options...
View ArticlePersonal Finance (Not Investing) • Is there a good way to determine if I...
A lot of places will not want to deal with such a small mortgage. But leaving that aside, I always do no-fee refis, where you get a lender credit in exchange for a slightly higher rate. That way, if...
View ArticlePersonal Finance (Not Investing) • Denied comprehensive auto insurance claim...
Here's the timeline:-I sent Progressive photos of the damage on August 11 (after filing the comprehensive claim).-I took the car in to get repaired at a Progressive "network shop" on September 9.-The...
View ArticleInvesting - Theory, News & General • I Bonds Mega Thread (I Bond Heads...
I was curious about how many I bonds are outstanding. Interesting, I had previously looked at the site, but not the PDF. It appears the relative balance of savings bond ownership changed fairly...
View ArticlePersonal Finance (Not Investing) • When to pull the plug - OMYing [One More...
Watching threads of this type, my own biased eyes marvel at the high salaries so often mentioned... but not at the total portfolio amount. The OP has done fantastically well, but the ratio of his net...
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Investing - Theory, News & General • Variable Percentage Withdrawal (VPW)
Another graph based on my historical data table. It tracks the drawdowns for for a portfolio of 70% stocks, 30% of which are International, and 30% bonds. I takes care of showing the effect of both...
View ArticleInvesting - Theory, News & General • International (Non-US) versus US...
Valuations and risk are intertwined. The risk is that valuations are not correct.When the market determines that risk has increased or decreased, valuations adjust to compensate.Valuation changes not...
View ArticlePersonal Investments • I'm thinking about getting a financial advisor.
I'm about five years our from retiring and I'm considering getting a financial advisor. Some bullet points:1. As I understand it, AUM is not a good idea and I can see why because even the 0.75% they'd...
View ArticleInvesting - Theory, News & General • The Final, Definitive Thread on...
They made a point in the signup process of saying they relied heavily on being able to verify by using one's mobile phone number and checking that the name matched what the carrier had on file, which...
View ArticlePersonal Finance (Not Investing) • Tax Implications of Large W-2 Windfall
Like others said, make sure to also check your state's rules for state tax underpayment penalty. For example, for California, if your California AGI this year is more than $1 million, you cannot use...
View ArticlePersonal Consumer Issues • Does an averagely reliable car last long if it is...
Try it and let us know how it turns out. The key is to pick cars with good repair records. Buy a new Toyota, or buy a 2-year-old Mazda, taking advantage of its steeper depreciation relative to a...
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