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28 year old in the land of Buffett
Old 12-27-2013, 03:10 PM   #1
Confused about dryer sheets
Join Date: Dec 2013
Location: Omaha
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28 year old in the land of Buffett

Hey there,

I am a 28 year old guy with a 33 year old wife and two little boys (3 and infant)

Between the two of us we have about 125k in roth and traditional IRA's, and some smaller 401k's.

We have two cars, one paid for and one with about 11k to go. 3k credit card debt (0% BT), 200k mortgage (worth 240k) and about 25k in student loans. 6500 in liquid cash.

We make around 100k a year. Looking forward to growing our balances in the new year since we are looking to tighten the belt to build our nest egg.

So glad I stumbled upon this site!
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Old 12-27-2013, 04:39 PM   #2
Give me a museum and I'll fill it. (Picasso)
Give me a forum ...
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Join Date: Nov 2010
Location: Sarasota, FL & Vermont
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Welcome. Slow and steady wins the race.
If something cannot endure laughter.... it cannot endure.
Patience is the art of concealing your impatience.
Slow and steady wins the race.

Retired Jan 2012 at age 56
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Old 12-27-2013, 06:23 PM   #3
Recycles dryer sheets
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Join Date: Nov 2002
Location: Alajuela, Costa Rica
Posts: 221
With SCHD or VIG you get 100 or 150 quality dividend yielding stocks at a cost of 7 or 10 basis points.

Paying two commissions plus one bid/ask spread per round trip as an individual investor will cost FAR MORE than 0.07% - 0.10% per year in portfolio costs.
AA = 60/35/5. Expected CAGR = 5.7%. GSD (5y) = 7.8%. USD inflation (10 y) = 1.8%. AWR = 3.0%. TER = 0.5%. Net Port Yield = 1.7%. Term = 36 yr. FI Duration = 4.9 yr. Portfolio survival probability = 86%.
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