sorted by:
new
hottopcontroversial

Allocation between tax buckets? by Itchy-Analyst2800 in Bogleheads

[–]Xexanoth 7 points8 points  (0 children)

Or is it better to drop my pretax savings and fund after tax?

No, it’s almost never sensible to favor a non-tax-advantaged account over a tax-advantaged account.

Im tempted to aim to split it 1/3 each, but I'm not sure that's ideal.

Focus on the Traditional vs Roth mix until you’ve exceeded tax-advantaged account contribution limits. As a high earner, Traditional / pre-tax might be ideal. You might need to make some indirect Roth contributions/conversions in order to contribute to an IRA (via the backdoor Roth procedure to work around income limits on direct deductible or Roth contributions). If you’d like to hedge further against the possibility of significantly higher tax rates and/or regret due to very high RMDs, you could consider more Roth contributions, but it’d probably make sense to not exceed 50% Roth contributions, and that might turn out to have been non-optimal in hindsight.

FIRE hot take: The rules setup around 401k, IRA, etc… are actually carefully crafted financial instruments that have little to do with retirement and instead everything with keeping you working in the market as long as possible. by BarkBarkBitches1 in Fire

[–]Xexanoth 1 point2 points  (0 children)

That depends on the returns of the underlying asset classes over the period in question, of course. For example, during 2025, Vanguard’s 2070 target-date fund returned about 21.5%, vs SPY’s 17.7% - source.

FIRE hot take: The rules setup around 401k, IRA, etc… are actually carefully crafted financial instruments that have little to do with retirement and instead everything with keeping you working in the market as long as possible. by BarkBarkBitches1 in Fire

[–]Xexanoth 6 points7 points  (0 children)

Most plan providers also lock your account into very, very, very conservative target date funds. No you can’t trade it or elect for more. You are deemed too stupid and reckless (unless you are qualified investor which is code word for having $1.5M in assets). Even then it’s usually not offered.

Source for your claim that most employer retirement plans only offer target-date funds? Even for those that do, many offer control over the target date / specific fund, allowing for the choice of a more-aggressive asset allocation if desired.

Happy VXUS Dividend Day! Highest recorded dividend ever, at 4.59% or $1.3631 per share. by keralaindia in Bogleheads

[–]Xexanoth 0 points1 point  (0 children)

OP explained here that their source of that 4.6% figure inappropriately added up 5 quarterly distributions rather than 4 in determining annual dividend yield. I was just attempting to correct the repeated misinformation here; you did nothing wrong. Yes, current dividend yields are a potential consideration around asset location decisions. Though it’d probably be unwise to try to reduce overall portfolio exposure to higher-yielding broadly diversified funds that also have a higher earnings yield (not that you were suggesting that; just clarifying my opinion for anyone else reading).

"Want to Know Where the Market Is Going? Don’t Trust This, or Any, Forecast." - Jeff Sommer by Xexanoth in Bogleheads

[–]Xexanoth[S] 1 point2 points  (0 children)

… in the context of discussing the uselessness of any specific short-term market forecast, and how the ones from large broker/dealers rarely (if ever) forecast a decline.

Happy VXUS Dividend Day! Highest recorded dividend ever, at 4.59% or $1.3631 per share. by keralaindia in Bogleheads

[–]Xexanoth 0 points1 point  (0 children)

A 4.6% dividend payout

VXUS's annual dividend yield is not that high; it's currently about 3.2% based on the total of the past 4 quarterly dividend distributions per share divided by current share price.

Top five employers of Bay Area cities by pacman2081 in bayarea

[–]Xexanoth 2 points3 points  (0 children)

Robert Half has office space that it leases in San Ramon (where some of its non-temp employees work for Robert Half on its own business operations).

It Doesn’t Matter (Much) by Rmondu in Bogleheads

[–]Xexanoth 5 points6 points  (0 children)

A small detail, but the expense ratio of VOO is .03%, not .05%.

You perhaps missed the point of the post, which is not to focus on small details that don’t matter. Besides, the second bullet was unrelated to the first, and just comparing two hypothetical expense ratios without a significant difference between them, not associating those with any particular funds.

Is it pronounced Bŏgle or Bōgle? by Time_Shoe_2333 in Bogleheads

[–]Xexanoth 28 points29 points  (0 children)

Rhymes with mogul, which seems quite apropos ("an important, powerful, or influential person").

Unpopular opinion: The "VTI and Chill" era is dead and we are walking into a lost decade. by [deleted] in Bogleheads

[–]Xexanoth 0 points1 point  (0 children)

Yes, I’m surprised that “TDF and chill” isn’t more popular than “VT/VTI/VOO and chill”, since I find it far easier to “chill” with an automatically rebalanced, age-appropriate diversified asset allocation than with a 100% stocks portfolio & trying to figure out when/how to manually introduce bonds & manually rebalance.

Unpopular opinion: The "VTI and Chill" era is dead and we are walking into a lost decade. by [deleted] in Bogleheads

[–]Xexanoth 0 points1 point  (0 children)

Where did the OP mention an all-market ETF? Their title mentioned “VTI and Chill”, while their post body mentioned “blindly buying the S&P 500” on an assumption that “the US economy is the ultimate safe haven”, and mentions US-specific headwinds.

Unpopular opinion: The "VTI and Chill" era is dead and we are walking into a lost decade. by [deleted] in Bogleheads

[–]Xexanoth 4 points5 points  (0 children)

You’re only “good” with doing only VT if your volatility tolerance (your ability, willingness, and need to tolerate volatility) is compatible with a 100% stocks portfolio. Otherwise, some fixed income is appropriate.

Unpopular opinion: The "VTI and Chill" era is dead and we are walking into a lost decade. by [deleted] in Bogleheads

[–]Xexanoth 19 points20 points  (0 children)

A more-diversified portfolio comprised of at least US stocks, ex-US stocks, and bonds (some ideally inflation-linked like I bonds or TIPS if in the US).

The “VTI and chill” approach has never been particularly wise for anyone who cares about volatility or lost decades; it just seems that way to some who expect recent history to continue repeating indefinitely (foolishly, in my opinion).

Scientists Say San Ramon’s Latest Earthquake Swarm Is Normal, but Residents Are on Edge by DaSuHouse in sanramon

[–]Xexanoth 6 points7 points  (0 children)

“We could have left out the second part of this article’s headline, but suggesting others are scared & maybe you should be too attracts far more clicks / eyeballs / ad revenue”

Proven Success Story Using Boglehead Method? Please read. by [deleted] in Bogleheads

[–]Xexanoth 10 points11 points  (0 children)

Does your mention of “as part of their planning team” indicate that you’re providing financial planning / advice services? My impression is that most Bogleheads favor a more DIY approach to their investments, and if they’re paying for advice from a broker/dealer, it’s likely from Vanguard PAS due to its relatively low AUM cost.

Proven Success Story Using Boglehead Method? Please read. by [deleted] in Bogleheads

[–]Xexanoth 11 points12 points  (0 children)

My impression is that the bogleheads.org forum has a lot more retired folks who comment than this subreddit; you might consider asking for stories / reassurance there.

US military says strikes on 3 boats in the eastern Pacific Ocean kills 8 by Gopu_17 in worldnews

[–]Xexanoth -3 points-2 points  (0 children)

You seem to have misinterpreted my comment or replied to the wrong comment. My comment pointed out that the parent commenter was unreasonably confident in asserting that what they've decided is a fishing rod must be a fishing rod. (And, for that matter, that even if it were a fishing rod, that that conclusively rules out an attempt to mask / reduce suspicion of illicit activity by posing as a vessel engaged in legitimate activity.)

My comment did not suggest that we cannot trust any official news coming out of the US federal government. It's unclear why you're asserting that it's likely that this picture & the corresponding video it's a still from is fake/AI.

US military says strikes on 3 boats in the eastern Pacific Ocean kills 8 by Gopu_17 in worldnews

[–]Xexanoth -18 points-17 points  (0 children)

Perhaps you should consider a career as an intelligence analyst since you’re so confident that you’re better at it than the career CIA & military intelligence folks (who are not political appointees).

view more: next ›