graphex

Comments:

• What's everyone's favorite retirement planning software? (I use an Excel spreadsheet for forecasting yearly account gains, withdrawals, Roth conversions, taxes, social security, RMD's etc. but haven't tried looking for anything fancier.) I do use and recommend Holistiplan for tax planning, though I do wish it was less expensive.

  Post: Faulty Assumptions

  Link to comment from February 19, 2024

• Jonathan, we're thinking of doing the same for our daughter who's struggling with the now current +7.5% mortgage rates. Are you still using National Family Mortgage and do you have any comments on their service? Thanks, Roger

  Post: Jonathan’s Loan

  Link to comment from September 28, 2023

• Why is holding more than 7% of a stock that’s compounded more than 24% a year for the past 15 years a bad thing?

  Post: Slicing the Apple

  Link to comment from June 11, 2023

• Holders of Dodge and Cox Stock Fund before and through the GFC would like a word. By excluding their disastrous performance through that period you are doing a great disservice to your readers. “Dodge & Cox Stock Fund (DODGX), have enviable records and reputations to match.” - not to this HD reader.

  Post: Running in Place

  Link to comment from June 11, 2023

• Agreed, very unlikely and some luck involved...10yr: 24.60% 15yr: 21.42%. (S&P500 10yr: 12.20% 15yr: 12.34%)

  Post: Can the market be beaten?

  Link to comment from May 14, 2023

• It is possible to beat the market over the long term (10 and 15 years.) You just have to find the right investments.

  Post: Can the market be beaten?

  Link to comment from May 12, 2023

• 'The notion of smart money is a myth.' You got that right. I learned this the hard way with my daughters' college funds which were mostly in Dodge & Cox mutual funds. The non-smart money guys there lost more than 68% in the GFC (2007-2008). I've been totally self directed since then and couldn't be happier with the results.

  Post: Learning from Failure

  Link to comment from March 19, 2023

• Good article and it reminds me of when a few years ago someone I golf with said, "If you don't fly first class, your kids will." I will probably never fly first class (too frugal) but last fall I went to Ireland for a 1 week golf trip and the year before I went to Las Vegas to play in the World Series of Poker. And in April we're renting a beach house for a week vacation near Charleston SC with our kids and grandkids. It is hard to switch gears but I'm working on it!

  Post: Meant to Be Spent

  Link to comment from January 20, 2023

• While technically not selling, doing Roth conversions when asset prices are low is also recommended.

  Post: When to Sell

  Link to comment from July 10, 2022

• 4b...if your RMD is big enough that you are investing some of it into your taxable accounts then you should also be doing some Roth conversions. Doing this when stock prices are down results in you shifting a higher percentage of your taxable IRA assets to be forever nontaxable. And depending on where your IRA assets are, you can also be opportunistic on when you do Roth conversions. Meaning (at least at Fidelity) you can enter this type of transfer after market closes and take advantage of when you think the market has overreacted.

  Post: Misleading Ourselves

  Link to comment from April 3, 2022