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Gerdalti posted:Too high? Think slanting more large would be wiser? What’s your reasoning for the 5% international? That’s pretty low.
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Sep 20, 2020 22:51
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I have 20% International personally.
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Sep 20, 2020 22:58
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jokes posted:They’re caricatures of real people though. This is the point and why it is funny to me. Also you know people see that and are out there trying to buy that stock.
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Sep 20, 2020 23:16
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ho fan posted:What’s your reasoning for the 5% international? That’s pretty low. Nothing in particular, it's just been what I've done the past few years. I didn't even have international until about 3 years ago, because I had no idea. What would a more reasonable split look like?
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Sep 21, 2020 00:39
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Nobody has a clue what a reasonable U.S/international split looks like. I do about 25% but I absolutely do not claim there's any science behind it.
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Sep 21, 2020 00:43
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My 401k is 75% VINIX and 25% VIEIX. I’m comfortable with the VINIX, it’s probably the best fund in my 401k offerings. I looked tonight at the holdings of VIEIX and saw that TSLA was the #1 holding, which... ehhh, I’m not so comfortable with. The next few are SQ, LULU, WDAY, VEEV, NXPI, BX. I’m ok with those, actually happy to see VEEV as I work in that space and see acceptance and use of their product has become ubiquitous over the past few years. Should I worry about this fund holding that much TSLA?
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Sep 21, 2020 02:25
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Xguard86 posted:As above said, we'd owe taxes after conversion right? (That in itself isn't bad but we're looking to buy a home so would defer to after the big spend to be as liquid as possible for all the money pits of home buying) oh yeah you def would have to pay tax on any conversion unless fsr you have an after-tax amount in the ira
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Sep 21, 2020 14:50
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Gerdalti posted:Too high? Think slanting more large would be wiser? your international exposure is really low, relatively. 40 large us 45 international 15 small mid is roughly where most of my young and aggressive investors end up. if you're in that general range and you're comfy w/ an all stock portfolio i think thats fine, you can adjust a little bit on each of them to your preference, but that's a pretty "standard" 100% stock allocation
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Sep 21, 2020 14:51
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There's no way to set up a joint IRA with a spouse, is there? Want to take advantage of the additional $6,000 contribution limit for my wife (who works! but her money mostly just sits there), but I'd prefer not to have to create and maintain a separate brokerage account.
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Sep 21, 2020 17:15
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Chad Sexington posted:There's no way to set up a joint IRA with a spouse, is there? Want to take advantage of the additional $6,000 contribution limit for my wife (who works! but her money mostly just sits there), but I'd prefer not to have to create and maintain a separate brokerage account. The I stands for Individual. So no.
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Sep 21, 2020 17:31
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Chad Sexington posted:There's no way to set up a joint IRA with a spouse, is there? Want to take advantage of the additional $6,000 contribution limit for my wife (who works! but her money mostly just sits there), but I'd prefer not to have to create and maintain a separate brokerage account. With Vanguard (and I'm sure pretty much everyone else), you can set up an account then give someone else the ability to access/trade within it. That's what I do for my wife's backdoor Roth, for example. The only backdoor she gives me access to.
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Sep 21, 2020 17:56
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Residency Evil posted:With Vanguard (and I'm sure pretty much everyone else), you can set up an account then give someone else the ability to access/trade within it. Same. At Vanguard, but I used to do this at ETrade before we moved the IRAs there.
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Sep 21, 2020 18:04
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Residency Evil posted:With Vanguard (and I'm sure pretty much everyone else), you can set up an account then give someone else the ability to access/trade within it. Same with Fidelity. and my wife.
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Sep 21, 2020 18:57
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Motronic posted:Same. At Vanguard, but I used to do this at ETrade before we moved the IRAs there. H110Hawk posted:Same with Fidelity. One of these posts is not like the other.
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Sep 21, 2020 19:56
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Any thoughts on the S&P 500 being, de facto, enough for your international exposure? I occasionally see that argument made based on data like this: Article: How Global Is The S&P 500? From: SeekingAlpha Date: 2018 FEB 15 quote:...
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Sep 23, 2020 19:01
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Ally just dropped its savings rate from 0.8 to 0.6 APY
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Sep 24, 2020 19:32
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MorrisBae posted:Ally just dropped its savings rate from 0.8 to 0.6 APY And suggested "investing options." 
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Sep 24, 2020 19:59
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We all get the emails
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Sep 24, 2020 20:06
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cheese eats mouse posted:We all get the emails not really mate, some of us have other providers and it's always interesting to see who jumps first
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Sep 24, 2020 20:08
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cheese eats mouse posted:We all get the emails lol I thought of this thread when I got the email 
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Sep 24, 2020 20:23
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cheese eats mouse posted:We all get the emails Nope. I don't get any emails from them with spam. In fact this morning when I logged in I was surprised to see that it was still 0.80%
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Sep 24, 2020 20:24
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Surely this is the last cut.
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Sep 25, 2020 05:43
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drat guys goondolences how are you all holding up
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Sep 25, 2020 06:22
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fart simpson posted:drat guys goondolences how are you all holding up Emergency fund still adequate.
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Sep 25, 2020 17:08
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Good news! Inflation is so low that even at nearly 0% you aren't losing money just by being in cash.
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Sep 25, 2020 17:13
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fart simpson posted:drat guys goondolences how are you all holding up Looked at my Ally account and realized I could probably go with $1000 less in there so I bought some more index fund. 
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Sep 25, 2020 18:51
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Leperflesh posted:Good news! Inflation is so low that even at nearly 0% you aren't losing money just by being in cash. I can't tell if you're joking or not.
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Sep 25, 2020 20:16
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Leperflesh posted:Good news! Inflation is so low that even at nearly 0% you aren't losing money just by being in cash. Chad Sexington posted:I can't tell if you're joking or not. He’s right though?
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Sep 25, 2020 20:58
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If you twist it through the pedantic filter enough, yeah. But our current “near zero” inflation rate is 1.3%, and savings accounts are yielding about half of that.
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Sep 25, 2020 21:17
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Fireside Nut posted:lol I thought of this thread when I got the email Lol same
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Sep 25, 2020 21:31
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Residency Evil posted:He’s right though? Food prices alone were up 4.6% YoY in August.
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Sep 25, 2020 23:48
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Chad Sexington posted:Food prices alone were up 4.6% YoY in August. Seems like 1.3% overall though? https://www.bls.gov/news.release/pdf/cpi.pdf
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Sep 26, 2020 01:11
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spwrozek posted:Emergency fund still adequate. 12 hours later....still adequate. Interest rate ultimately doesn't matter. A guy who works for me asked what it would take to get me out of Ally. I told him negative rates. What else would I do with cash? Put it in my mattress? Come on now. Would it be great to make some money on the emergency fund, sure. but ultimately it is insured and is available in a pinch.
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Sep 26, 2020 06:38
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I saw a reddit thread about a bunch of smaller banks and unions that give 2-4% apy on smaller amounts of money. So if you're willing to spread around like 15,000 between 6 banks you can earn more.
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Sep 26, 2020 08:59
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Some people may be interested in a floating-rate bond fund as an alternative to a money-market fund or HYSA for cash allocation where you don't need the cash, like, instantly. See: https://www.portfoliovisualizer.com...location2_2=100 https://www.ishares.com/us/products/239534/ishares-floating-rate-bond-etf Slight edge to doing it while still being a "safe" investment during non-total-financial-system-collapse times. Plus you're not locked into something for a term like you are with CDs. But, CASHX returns may trail an Ally HYSA. Probably not much point to doing it at the moment due to low yields across the board and the fact that HYSA rate drops have lagged the market, but in the future... it's something to keep an eye on.
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Sep 26, 2020 15:13
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I’ve been starting to do a bit of taxable investing, and I’m looking at series I savings bonds as a possible pairing with total market stock funds. My total taxable investment amount per year is low enough that the $10k/year I bond limits won’t be an issue. Nevertheless, I’m not clear on how the limits apply with joint registrations. I.e., if I buy $100 of I bonds registered so that both my wife and I can exercise them, how does this affect our purchase limits for the rest of the year? I’ve tried to Google for an answer and may not be using the right terms...
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Sep 26, 2020 17:39
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Nuurd posted:I’ve been starting to do a bit of taxable investing, and I’m looking at series I savings bonds as a possible pairing with total market stock funds. Toss it in international and get the tax credits?
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Sep 26, 2020 17:50
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Nuurd posted:I’ve been starting to do a bit of taxable investing, and I’m looking at series I savings bonds as a possible pairing with total market stock funds. You can: - register it in yours and her name together. - grant transaction right to your wife (this is not automatic) ...but they are still yours and apply to your limit only. If your wife logs into her treasury direct account, she won't see those bonds unless you do step two, and even if you do, she has to navigate through several menus before she can even see them. 80k fucked around with this message at 18:03 on Sep 26, 2020 |
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Sep 26, 2020 18:00
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H110Hawk posted:Toss it in international and get the tax credits? Thanks, I plan to include some international index funds, but I’m specifically looking at bond(ish) pairings for lower volatility. The series I bonds intrigue me since they’re tax deferred. 80k posted:You can: Ok, thanks, that helps! I don’t know that I’ll ever get deep enough into this to worry about the limits, but it bothered me to not understand.
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Sep 26, 2020 18:12
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Mu Zeta posted:I saw a reddit thread about a bunch of smaller banks and unions that give 2-4% apy on smaller amounts of money. So if you're willing to spread around like 15,000 between 6 banks you can earn more. literally this big posted:While there are a lot of banks offering high yield savings accounts like this with lots of restrictions and activity requirements, I don't want to have to actively think about my accounts on such a regular basis, and then suffer negative consequences if I don't live my life in a way that satisfies their requirements. So I looked and I compiled a list of all the no-bullshit super high yield savings accounts on there, and I've posted about the a few times before.
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Sep 26, 2020 19:21
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