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[ajm184]

I would be wary your performance comparison statement as comparing portfolio performance is on an apple to apple basis is very difficult. You note one...

[ajm184]

Congrats on taking control of your finances. No issues with your AA, though can't say I'm a huge fan of factor investing (VGT / QQQ). Small cap is...

[ajm184]

Depends on how you define the phrase 'maximize my retirement contribution'. Basically, there is a Simple IRA and a 401K. A Simple IRA is relatively...

[ajm184]

Couple thought in no particular order:
a. At a macro level, there is a possibility of increased capital gain taxes that may impact your marginal...

[ajm184]

IMO if your contributions are made since they were born, with a reasonable AA, sufficient funds will be available for undergrad at minimum when the time...

[ajm184]

VTI does not include international exposure, so would be more inclined to be in the TDF (VFFVX or VFIFX) which does provide/contain international exposure....

[ajm184]

Couple Points:
a. Do you have enough term insurance?
b. Do you have trust/succession plan if you pass unexpectedly. Sounds (like most) that...

[ajm184]

A 15-year mortgage from a payment standpoint (P&I) will be about 20% more versus a 30 year mortgage of the same interest rate. Going from a 3.375%...

[ajm184]

This appears to be a bit of a personal preference issue. Putting $75K towards your mortgage basically gets you to not needing a jumbo mortgage to refinance,...

[ajm184]

It is potentially a mathematically sound point by your financial advisor. I am assuming that your mortgage is in the low 2%, therefore there is a potential...

[ajm184]

In an accumulation phase, targeted a retirement spending amount is certainly appropriate, though inflation is a challenge to accurately calculate (along...

[ajm184]

Listened to a comment a couple weeks ago on FAANG, basically justifying the valuations saying yes FAANG makes up 20% ish percent of the market and make...

[ajm184]

I read this as 'No way to justify these insane vacations' with the corresponding thought of I can totally justify insane vacations, except those that...

[ajm184]

Suggest speaking to a mortgage lender who does VA loans. If you have a local bank in Nebraska, that would be ideal, the larger national type specialized...

[ajm184]

The numbers have to be fairly larger before an ER makes a meaningful difference between the Admiral shares and the similar ETF (think 200K+) IMO.

[ajm184]

I would tag upon Jack Sparrow's reason's
a. Currency risk- Investing in the US goes a long ways towards reducing international risks due to currency....

[ajm184]

My guess, is that the life insurance policy payout is 2x the OP's salary. If one is a highly compensated employee like a physician, then it could be...

[ajm184]

Maybe, maybe not. My crystal ball is fuzzy. What I do know is that the returns of VTIAX over the last 10 years have been poor both relative to US equity...

[ajm184]

A lack of inflation is not a foregone conclusion over the long term. Between the issuance of federal debt and monetary policy acting in place fiscal policy/regulatory...

[ajm184]

3 months duration maybe, 3 year no way. Every single one of the companies has about annual BK percentage probability of between 17 and 20 percent. If...

[ajm184]

For deploying money into market. Are you trading or investing for retirement? If latter, all at once or chunk it over some timeframe (1 month to 1 year)...

[ajm184]

You mention contributing 25% - 30% of income towards retirement. Question; does this % of income towards retirement allow you to maximize your contributions...

[ajm184]

Some additional things working with my 'De-Cumulation' model:
a. Intent: a. Use of taxable assets during 'early retirement' to conduct Roth conversions...

[ajm184]

Must say, I find this a fascinating topic. I have started creating what I call the 'de-cumulation' model in excel. A couple of things I have learned...

[ajm184]

This is a foolish place to invest. Not FDIC insured, appears to be an unsecured bond. No clue of the companies loan underwriting capabilities. Paying...

[ajm184]

I am aggressive with my AA, at 50 yo I was at 80/20 equity to bonds. Intent is to step up to a 60/40 split by the time I am 65, then step to a 'final'...

[ajm184]

Excel spreadsheet also. Each workbook by quarter/year calculates AA split, sub-totals for tax-free/tax-deferred/taxable accounts, estimated future contributions,...

[ajm184]

First Congrats. My advice/points from someone who has BTDT 8'ish months ago.
a. Do not get a payoff letter, mortgage companies will charge you...

[ajm184]

My wife's attention span with finance is limited, with the exception of being very irritated when talking about 'basis points'. I have written and told...

[ajm184]

What bonds are you purchasing now at par with = or > than a mortgage? Any that meets the return metric stated above contains a great deal more risk....

[ajm184]

Couple points:
a. Make sure the rate offered is competitive.
b. IMHO only utilize potential equity up to 80% LTV. If there is no additional...

[ajm184]

What does OSFA mean?...

[ajm184]

I would start by figuring out
a. what you 'should' contribute to you and your wife's retirement accounts. 20% multiplied by your family gross income....

[ajm184]

I disagree with this point. Though as you state bonds are a agreement for repayment, there are many types of risks inherent in bonds that would be construed...

[ajm184]

Guessing you'll need to wait for the Tesla mini-van style to be manufactured Lordosis.

[ajm184]

Understand why you buy, 'know when to hold'em, and know when to run' (Kenny Rogers). All the best in your future choices with individual stocks.

[ajm184]

Have a 1K deductible. With respect to Umbrella policy, there was a requirement under my Auto policy to have certain deductibles. Unsure if something...

[ajm184]

Appears you have a 5/1 ARM. Fixed for 5 years, then adjusts yearly based on some mechanism, such as LIBOR. You've been making payments for 4.5 years....

[ajm184]

A couple of links that you may find interesting:
a. https://www.quora.com/Is-it-possible...-S-Special-Ops. The...

[ajm184]

Don't think I'm breaking any ground here:
a. Have a goal. Insure said goal is achievable and realistic for a given timeframe relative to your position/side...

[ajm184]

Agree with a number of folks here, you would need to get Airborne or Air Assault school written into your contract. There are a couple of issues though:...

[ajm184]

Not sure if anyone does this anymore. When I financed my first home (condo actually), I did 80% as a primary loan, 12% as a 15 year fixed rate second,...

[ajm184]

If someone is going to pay an AUM fee for a fund, regardless of cost has to provide sufficient value long term. A 1% AUM fee doesn't seem valuable to...

[ajm184]

Maybe I don't understand your situation appropriately or the specific differences between a hospitalist and IM. If IM, a clinical setting would seem...

[ajm184]

1. Depends, the plan document may have limitations on the percentage of income that can be deferred by an employee into a 401K plan. Usually, this percentage...

[ajm184]

Using Peter Lynch's books to conduct fundamental analysis is not appropriate IMO. The investment math discussed in Peter's books is all found online...

[ajm184]

In the past, I have heard a comparison of a physician's income as being a bond proxy in terms of stability of income / low risk of job loss etc with the...

[ajm184]

I believe US equity market capitalization is like 52% with ROW comprising 48%. There are alot of really good international companies. IMO, some factors...

[ajm184]

In my kids 529, I have a small allocation to international bonds. Otherwise, no international bond holdings in our accounts. Slightly higher cost and...

[ajm184]

Congrats on your home purchase. It appears you will be in a future position to consider your options with respect to future repayments. My wife and I...

[ajm184]

My horse reference was to 'circuit breaker' rules being put into place after Black Monday. The volume of computerized/Algo trading has expanded exponentially...

[ajm184]

https://en.wikipedia.org/wiki/Trading_curb

Implemented only after the horse was out of barn....

[ajm184]

A couple of points:
a. post will get more views/responses in 'General Investing' section of forum IMO. Weather appropriate there, IDK.
b....

[ajm184]

Use 12 to 16 gallons of propane/year for grilling, so cost fixing this particular 'expense' would not be useful for me. It would be cool to have a 100...

[ajm184]

Had a 2.75% refi for 15 years that closed October '16. Paid off mortgage in December of '19. More to throw at taxable now.

[ajm184]

A re-financing is a new mortgage. You will have your credit report pulled, you will need to show income, you will fill out alot of paperwork, you will...

[ajm184]

I track AA calendar quarterly, so will understand delta from target then. Won't change our AA/re-balance until early next January. Along for the ride...

[ajm184]

You probably need to understand / evaluate your risk tolerance. The portfolio is likely too complex and should be simplified. Commodity are usually...

[ajm184]

I'll speculate a little here based on a deposition (of my wife); Basically, a plaintiff's attorney asks 'What specific resource did you rely upon to treat...

[ajm184]

Depends upon your IPS and your behavior. Can't say as I'm a fan of that type of AA change without a better explanation than 'Invest more cash b/c the...

[ajm184]

https://awealthofcommonsense.com/202...et-correction/

My favorite is #9, take Marcus Aurelius...

[ajm184]

IMO there is not a significant 'cost' to determining/understanding the terms of your future buy-in. Waiting a bit appears to add a significant amount...

[ajm184]

Why would you re-balance once a month? Quarterly is the 'norm'. Alternatively some have re-balance once one or more portions of the portfolio are a...

[ajm184]

I can't say I'm a huge fan of the OP's 401k portfolio. Based on the choices available not sure I would be all-in on an S&P500 only fund either. ...

[ajm184]

If you have met your FI number/Financial Goals and are looking to decrease risk, reducing portfolio loss risk should be considered via AA relative to...

[ajm184]

Thank you for your service to our country. Though you will get good advice here, I would go through the Fire Your Advisor course and the questions you...

[ajm184]

Greenturtle- Happen to own the chain of bars in/near Baltimore?...

[ajm184]

The key is have an asset allocation that a. works for the person through all markets and b. allows the person to achieve their financial goals....

[ajm184]

What the LO did was IMO was not only a immediate termination type offense and a fine to the company. The compliance folks should be kissing your rear...

[ajm184]

Agree with others, you will need to analyze/assess the total cost between the options. My suggestion/opinion; if you are truly only planning to be in...

[ajm184]

I would consider calling/contacting the compliance department of the lender and ask the question. If I didn't get a sufficient response, I would contact...

[ajm184]

A 2% match in a Simple IRA is a employer contribution % for all employees regardless of if the employee contributes to the Simple IRA. Though there are...

[ajm184]

A local building permit is usually not a big deal to obtain. One must still have an engineering knowledge and provide plans to a city. Usually the city...

[ajm184]

'Old' things in our 'new'ish' home: Blue Plastic cup from before my wife and I got married. Extra bowls, dinner plates and a pizza pan (that my son...

[ajm184]

Though you have a relatively specific question, I'm not sure many advisors would charge 1 or 2 hours and be able to answer appropriately. An advisor...

[ajm184]

I voted 'No way'. In the specific use case I would use the old home proceeds to reduce the mortgage amount, with the caveat I don't know their financial...

[ajm184]

I believe the initial selection you articulated is a good set of choices for folks who desire to construct their own AA. Though other have mentioned...

[ajm184]

Keep that ICE in the garage for our trip during [Memorial Day, 4th of July, Labor Day, Thanksgiving, X-Mas]. It is math and infrastructure build for...

[ajm184]

I started tracking our NW in 2006 via Quicken, noting this includes items I am too lazy to back out (529 balances), so here goes between 2006 and 2010:...

[ajm184]

Exactly what my wife did, kept her last name and both children have my wife's last name as their middle name....

[ajm184]

IMO, think of the question as; If I died today would my family be financially able to have the same / similar lifestyle via the insurance coverage obtained...

[ajm184]

What is being shown would be useful for a AA re-balancing exercise via contributions. Given I re-balance once per year and utilize future value calculations,...

[ajm184]

Our NW rose by 26% yoy between ye 2018 and ye 2019. Primary drivers include timing (low point in December 2018), equity returns, mortgage debt reduction,...

[ajm184]

Any documentation of this plan that you could potentially attach? To me it seems your explanation is 'off'. I find it very difficult to believe that...

[ajm184]

A couple of factors that may be impacting the relative cash position of a fund(s) include a. timing and b. inflow/outflow of the fund. Not to put too...

[ajm184]

I find this type of discussion interesting because of the investment process/considerations change after having a certain level of net worth relative...

[ajm184]

The undergraduate education systems of China, India, and South Korea are much more focused upon the hard sciences of STEM relative to the US. I don't...

[ajm184]

Creating an IPS will be useful. Re-balancing can is generally considered reasonable between once a quarter and once a year. Studies have shown once...

[ajm184]

Guessing with Capital Research involved I would hazard a guess at American Funds, Lord Abbott, etc. Embarrassing imo to treat its workers so poorly with...

[ajm184]

As you are aware, a benefit of muni's is avoidance of Federal and State (sometime's) taxation. The taxation maybe a factor to consider based upon what...

[ajm184]

Yep, Anesthesia I'm just a hick in 'fly-over' country. Perhaps a study or two from those elite university's showing an 'excess value' of intangibles...

[ajm184]

Mostly agree with your wife. You only get one retirement income to live off of. What/do you (and your wife) have an educational funding goal for your...

[ajm184]

Went with wife on Honeymoon to Italy in November, great time of year to avoid the crowds. We were in Italy for 10 days, 3+ in Rome, 3 in Florence, and...

[ajm184]

Certainly a number of positives have occurred:
a. Made a net profit during its most recent quarter, b. Elon Musk has managed to keep his tweeting...

[ajm184]

A lot that is .33 of an acre will likely (depending on lot lines, street facing) relatively comfortably support a 4k square foot home in a floor/basement...

[ajm184]

There are a lot of options for international equity. The question is does your IPS stipulate a particular tilt within international? If not, and you still...

[ajm184]

@ Tim- Depends upon the composition of the bond/bond fund one chooses as to weather or not it is non-flammable.

[ajm184]

Not a huge fan. Within an asset allocation, the bond portion of an allocation is designed to act as a risk and return volatility dampener to the equity...

[ajm184]

Appears you are asking two questions:
a. Do you take consider asset location (taxable, tax-deferred, tax-free) into consideration when rebalancing...

[ajm184]

No. Maybe at 10+ million of investible assets. Continue to focus/invest in low cost mutual funds/index funds. Would not worry about 'blue chip stocks'...