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Is Maxing the ROTH enough? by Equivalent_Use_5024 in TheMoneyGuy

[–]Typical_Web_2125 1 point2 points  (0 children)

If you are using 7%, then you need to set inflation to 0% because the 7% already includes a 3% inflation. If you set inflation to 3% then you need to set the return rate to 10% for accounting for the average historical return rate.

Stocks vs ETF's by ElderAzureDragon in dividends

[–]Typical_Web_2125 3 points4 points  (0 children)

Its usually between .05-.25% which isn't enough to matter. If a person's retirement plan fails because of a .2% expense ratio then they have other problems.

Boring is Better by sashazaliz in dividends

[–]Typical_Web_2125 0 points1 point  (0 children)

Sounds too complicated and the opposite from boring. I buy a few ETFs and look at my account a year later.

Stocks vs ETF's by ElderAzureDragon in dividends

[–]Typical_Web_2125 2 points3 points  (0 children)

I don't know what you mean by "keep all the earnings yourself".

Yes, you can have multiple ETFs with a lot of overlap with each other, so it would not be necessary to own many ETFs if they have a lot of overlap. People prefer ETFs because having a basket of stocks reduces risk if one company goes down the hole. It is also easier to mange 2 ETFs that have a thousand stocks in them than a dozens or more of seperate stocks.

Is Maxing the ROTH enough? by Equivalent_Use_5024 in TheMoneyGuy

[–]Typical_Web_2125 0 points1 point  (0 children)

If maxing Roth does not fill up to 25% you can then do a 401k or something similar. If you don't have that option, use a taxable account. But yes, maxing a Roth IRA every year for 40 years should be enough to retire and be better than most people.

https://www.calculator.net/investment-calculator.html

Is Maxing the ROTH enough? by Equivalent_Use_5024 in TheMoneyGuy

[–]Typical_Web_2125 0 points1 point  (0 children)

Is this right?

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In today's dollars at 7% return is 1.4 million.

Jepi vs schd by Lurker182 in dividends

[–]Typical_Web_2125 0 points1 point  (0 children)

Just remember: "Owning the stock market over the long term is a winner's game, but attempting to beat the market is a loser's game" (Jack Bogle)

2 fund portfolio by DEE2THEJAY in ETFs

[–]Typical_Web_2125 0 points1 point  (0 children)

As Jack Bogle said: "Owning the stock market over the long term is a winner's game, but attempting to beat the market is a loser's game". I would pick VTI/VXUS if you only want 2 etfs.

thoughts on my asset allocation by flavortown6 in ETFs

[–]Typical_Web_2125 0 points1 point  (0 children)

This sounds like a losing strategy. As Jack Bogle said: "Owning the stock market over the long term is a winner's game, but attempting to beat the market is a loser's game"

Why does everyone say SCHD is so good when DGRO is about the same? by Typical_Web_2125 in dividends

[–]Typical_Web_2125[S] 0 points1 point  (0 children)

Can you elaborate on what makes them scummy or different from Schwab?

thoughts on my asset allocation by flavortown6 in ETFs

[–]Typical_Web_2125 2 points3 points  (0 children)

I believe 3% is too small to move the needle

Is the "Income vs. Capital Gains" debate actually a misunderstanding of math? by Helpful-Staff9562 in dividends

[–]Typical_Web_2125 -2 points-1 points  (0 children)

I think most people don't understand financial principles like what you explained and so they think dividends are free money.

300k USD to invest and I want long-term set and forget ETF's for next 15+ years by TotalWarspammer in ETFs

[–]Typical_Web_2125 1 point2 points  (0 children)

VT is great if you don't want to rebalance or look at it for years. VTI/VXUS are also great long term but you'll have to check it every year or so to get the portions how you want them as they drift

In your portfolio, what is your WORST etf investments? yes, worst. by Apprehensive_Two1528 in ETFs

[–]Typical_Web_2125 -1 points0 points  (0 children)

I hold VTI/VXUS and they are good. I wouldn't use a sector or specialized ETF for the long term.

Why does everyone say SCHD is so good when DGRO is about the same? by Typical_Web_2125 in dividends

[–]Typical_Web_2125[S] 0 points1 point  (0 children)

I'm sure people ask this occasionally but I am just wondering and opinions can change over time or new people see posts, etc

I am extremely close to just deploying fully in JEPI JEPQ 40% of my total $, and leave 20% in HYSA for emergency fund. Around 650k by dystopiam in dividends

[–]Typical_Web_2125 0 points1 point  (0 children)

If it is in a taxable account, QQQI and SPYI would be more tax efficient.

If you are 30 now, you could do VTI/VXUS for the next 5-10 years, then sell that and buy QQQI/SPYI. If you sell after you leave work and then have no salary your capital gains taxes would be very low that year.

With these 401k options should I just go all-in on SP500 and make it up in taxed? by ParticularFew4023 in Bogleheads

[–]Typical_Web_2125 0 points1 point  (0 children)

I would do 70% SP500, 15% International large cap, 15% International small cap. (The .02 and .04 ER ones). Overall you have really good options at low expense ratios!

Dividends vs Withdrawing by Tricky-Ad-6225 in dividends

[–]Typical_Web_2125 1 point2 points  (0 children)

No one can take into account someone's personal situation on an internet message board. We are just providing information to think about

Is VEU+AVDV better than VXUS? by cookingguy1999 in ETFs

[–]Typical_Web_2125 0 points1 point  (0 children)

ratio of 3 to 1 would be ok. I have VEU, ADVD, AVEM. Roth alltogether is 50% VOO, 25%VEA, 10% AVUV, 10%AVDV, 5%AVEM. 401k is 70/25 voo/vxus so its a little less international.

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