Recent content by tdv2

Downloaded my $5 copy....

+1 I haven't made any major moves for about 20 years now holding a total market and total bond portfolio. I expect to keep that posture for the next 20 years or more. I do re-balance periodically when things get out of whack. Ultra low cost and very boring....just the way I like it.

No change for me either....total stock + total bond....rebalancing periodically, incredibly simple but it works better than most.

It would be interesting to see the same chart using 20 year period. Best take away for me is to be prepared for 10+ years of negative real returns.

No surprises....the evidence has been there all along....it's a zero sum game. In aggregate active funds must underperfom the market by the fees and expenses they incur. It's just simple math. I really don't understand why many refuse to accept this.

I started acquiring IBonds recently....sure it's small potatoes for some of us....$20k per year per couple. I also treat these funds as cash since once the holding period expires you can liquidate as needed without risk of loss of purchasing power. I wonder why when some dismiss these as...

Great choice....that's what I was going to suggest. "The millionaire Next Door" Is a must read also IMO. Not finance, but a great book on learning to save and LBYM. As Bernstein says "Even if you can invest like Warren Buffet if you can't save you'll die poor."

A better way to put it is....In aggregate, actively managed funds lose to the market indexes by their fee's and expenses. Exactly what you would expect. One of the earlier papers on this topic was written by Mike Jensen titled "The performance of Mutual Funds in the period 1945-1964" You can...

Many of us believe that the stock market is brutally efficient. Maybe there are some securities out there that are mis-priced by some amount, but I don't try to find them. Don't look for the needle just buy the hay stack and hold on for Warren Buffets favorite holding period.....for ever. The...

This calculator works well. https://www.dinkytown.net/java/1040-tax-calculator.html

Up 4.8% YTD with 60/30/10 portfolio. Minor small cap tilt has helped. Almost all total market and total international otherwise. I have a few odds and ends vanguard ETF's , VO, VPU, VAW, VNQ, VDC purchased back in 2006 that amount to a couple hundred K....not a significant portion of the...

Enough for me was when I reached the point, with a reasonable cushion, where I felt my funds would be more than sufficient to carry DW and myself to the end. As far as lifestyle, we have the means to ratchet things up a bit but it's not easy when you have been super frugal all along. Working...

The only downside I see with Ibonds, as other have suggested is the purchase limit. For a couple that would be $20k per year....for me that's not significant....about 10% of my annual spend. But since I opened a treasury direct account, I am buying the annual limit in my and DW's account...

Does anyone know how long it takes for tax refund to show up in treasury direct account if you choose to purchase Ibonds with your refund? I had the small deposit based on having to buy in $50 increments show up in my bank account yesterday.

Since I am disciplined in keeping you asset allocation in check, then the answer to this question for me is both. The markets will determine where the money flows. In my case I withdraw funds for spending in January and re-balance if necessary at that time. If for example my allocation is at...