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Re: NY Times Article - a case for index investing

I also found it interesting (and fairly typical of mainstream media articles) that he compared the two small cap funds to the S&P 500 when there are far better benchmarks for a small cap fund, such as a small cap index. Overall a good article though, and I wonder if the fund managers' humility m...
by Brian2d
Tue Jul 22, 2014 12:11 am
 
Forum: Investing - Theory, News & General
Topic: NY Times Article - a case for index investing
Replies: 23
Views: 2957

I was tempted to market time and didn't

As part of the Boglehead philosophy, I have avoided market timing and have not done so since I've started reading this forum. However, after the events on Thursday, I was tempted to after the big drop on Thursday which I had a feeling was due to an overreaction to events that would likely reverse (n...
by Brian2d
Sat Jul 19, 2014 4:19 pm
 
Forum: Investing - Theory, News & General
Topic: I was tempted to market time and didn't
Replies: 19
Views: 1827

Re: Anyone switch to non-branch banking?

Livesoft, any time when you needed $ in an emergency? How did you handle it?
by Brian2d
Sun Jun 22, 2014 9:15 pm
 
Forum: Personal Finance (Not Investing)
Topic: Anyone switch to non-branch banking?
Replies: 54
Views: 4388

Anyone switch to non-branch banking?

Hi all, Thinking about switching to Schwab's checking account, as I like the features. However, still leaning against it because I have good branch alternatives (granted the terms are not quite as good) and I worry about being able to get out more than the max amount I can withdraw from an ATM in an...
by Brian2d
Sun Jun 22, 2014 8:57 pm
 
Forum: Personal Finance (Not Investing)
Topic: Anyone switch to non-branch banking?
Replies: 54
Views: 4388

Re: POLL: the WORST financial advice you've given/received?

A relative (who is an agent for an insurance company) tried to sell me a high fee variable annuity with an income guarantee 3 1/2 years ago at a family event. I was 27 at the time. While it was still a few months before I started visiting this site, I luckily had enough of an idea about these produc...
by Brian2d
Sun Apr 27, 2014 6:59 pm
 
Forum: Investing - Theory, News & General
Topic: POLL: the WORST financial advice you've given/received?
Replies: 61
Views: 15151

Re: 401k Group Annuity Fund Selection: PIMCO or bust?

In part it depends on how long you plan to be with the employer vs your investment horizon. I did a spreadsheet calc (rough) assuming 6% return before fees and taxes, and assuming same tax rate now and at retirement, you will come ahead with the taxable account if you spend the entire time paying th...
by Brian2d
Wed Apr 16, 2014 7:50 pm
 
Forum: Investing - Help with Personal Investments
Topic: 401k Group Annuity Fund Selection: PIMCO or bust?
Replies: 8
Views: 429

Re: Annuities

This form is very much in opposition to certain types of annuities. It is more favorable to other types. Unfortunately too many different types of instruments, ranging from the excellent to the terrible, get lumped together under the term "annuity"
by Brian2d
Thu Apr 10, 2014 10:07 pm
 
Forum: Investing - Theory, News & General
Topic: Annuities
Replies: 59
Views: 6956

Re: Index vs ETFs in 401k

If the ETFs require a brokerage window, there's often a fee associated with that so if the ERs are the same you may be better off using the mutual fund version of the fund.
by Brian2d
Wed Apr 09, 2014 11:01 pm
 
Forum: Investing - Help with Personal Investments
Topic: Index vs ETFs in 401k
Replies: 4
Views: 237

Re: Rebalancing in May

Look at how well "sell in may and go away" would have worked out last year.

Rebalancing is best done when the target/time for rebalancing that you have decided in advance is hit.

Sell in May and go away was an example of seeing a signal when there is none.
by Brian2d
Wed Apr 09, 2014 9:17 pm
 
Forum: Investing - Help with Personal Investments
Topic: Rebalancing in May
Replies: 2
Views: 290

Post your IPS [Investment Policy Statement]

Hi all.

Trying to come up with an IPS and am curious as to what others have done for theirs.

Will post mine once I come up with it.

Thanks.

Brian
by Brian2d
Tue Mar 25, 2014 7:48 pm
 
Forum: Investing - Theory, News & General
Topic: Post your IPS [Investment Policy Statement]
Replies: 14
Views: 2011

Re: Are people really selling at the bottom of the market ?

I would say the guy buying, whether due to rebalancing or any other reason.
by Brian2d
Thu Mar 20, 2014 8:12 pm
 
Forum: Investing - Theory, News & General
Topic: Are people really selling at the bottom of the market ?
Replies: 16
Views: 3327

Re: 1099r form

From the linked document. This basically indicates that there is a taxable amount but no early withdrawal penalty (which doesn't apply to life insurance, which is why there's no age under (c) like there is in (a) and (b). So this is normal taxable income that's being reported correctly, whether it's...
by Brian2d
Thu Mar 20, 2014 7:55 pm
 
Forum: Personal Finance (Not Investing)
Topic: 1099r form
Replies: 3
Views: 219

Re: Is this a wash sale and do I have to amend

Thanks. I believe that since they are old shares and I can't change cost basis at this point it is in fact a wash sale by that description. Does this mean I have to amend?
by Brian2d
Fri Mar 14, 2014 11:00 pm
 
Forum: Investing - Help with Personal Investments
Topic: Is this a wash sale and do I have to amend
Replies: 6
Views: 412

Re: Is this a wash sale and do I have to amend

Thanks for the help.

The 5/29 purchase was not my original purchase of VTSAX. Does this change anything?

Otherwise, thanks for clearing that up.
by Brian2d
Fri Mar 14, 2014 10:17 pm
 
Forum: Investing - Help with Personal Investments
Topic: Is this a wash sale and do I have to amend
Replies: 6
Views: 412

Is this a wash sale and do I have to amend

I just discovered (after filing) that I bought VTIAX on 5/29/2013 and sold some at a loss on 6/05/2013. I thought this meant I have a wash sale, but Vanguard did not report one on my 1099-B. The amount of the loss was $171, and would lead to additional federal tax of $26 (in case there is a threshol...
by Brian2d
Fri Mar 14, 2014 9:44 pm
 
Forum: Investing - Help with Personal Investments
Topic: Is this a wash sale and do I have to amend
Replies: 6
Views: 412

Re: Hit a milestone today. Thanks Bogleheads!

Great job Snoop. I was there 5 years ago...combination of a nice bull market (pure luck) and relentless savings (maxing 401k +IRA, plus saving any excess) got me from there to where I am now.
by Brian2d
Fri Mar 07, 2014 12:30 am
 
Forum: Investing - Theory, News & General
Topic: Hit a milestone today. Thanks Bogleheads!
Replies: 31
Views: 4962

Hit a milestone today. Thanks Bogleheads!

I hit a major milestone today, half a million in assets. Wanted to thank the Bogleheads for getting me focused on increasing my savings rate, which was key to reaching this point. I know as soon as the next crash happens this number will go down, but even so I will stay the course and stick with the...
by Brian2d
Fri Mar 07, 2014 12:15 am
 
Forum: Investing - Theory, News & General
Topic: Hit a milestone today. Thanks Bogleheads!
Replies: 31
Views: 4962

Re: You know you're a Boglehead when ...

You're hoping for a market dip before payday so you can invest your retirement plan money at lower prices.
by Brian2d
Mon Mar 03, 2014 10:35 pm
 
Forum: Local Chapters and Bogleheads Community
Topic: You know you're a Boglehead when ...
Replies: 105
Views: 16053

Re: Guaranteed 7% return too good to be true??

Absolutely take advantage of the TDA. One great perk of being a NYC teacher. This is one rare case where it's not too good to be true. BTW if you can hold your fixed allocation in TDA absolutely no need to hold any other bond funds. The debate here about whether or not people should hold bonds is sk...
by Brian2d
Sun Mar 02, 2014 1:29 am
 
Forum: Investing - Help with Personal Investments
Topic: Guaranteed 7% return too good to be true??
Replies: 19
Views: 3263

Best Boglehead lesson

Just wondering what's been the most valuable thing people have taken away from this site. For me it has definitely been to save more and maximize tax advantage space. I've gone from saving about 5th per year in my 401k to maxing it out and am seeing my portfolio grow nicely as a result. Learning. Th...
by Brian2d
Sun Jan 12, 2014 11:53 pm
 
Forum: Investing - Theory, News & General
Topic: Best Boglehead lesson
Replies: 74
Views: 5631

Re: Where to park money for next year's roth?

I view my future Roth contributions as part of my overall allocation and unlike other money needed in the short term, as part of my long term portfolio, as I view it as a tax arbitrage move rather than a new investment. This would not apply if you don't have a sufficiently large long term taxable ac...
by Brian2d
Fri Jan 10, 2014 12:15 am
 
Forum: Investing - Help with Personal Investments
Topic: Where to park money for next year's roth?
Replies: 27
Views: 1674

Tilting towards small/emerging in internatonal

What are people's thoughts on tilting in international towards emerging markets/small caps. I see three options to do this. 1. VSS - International small cap (Seems better as an ETF than the Vanguard Mutual Fund with a 20 bps lower expense ratio) 2. VEMAX- Emerging Markets 3. Emerging Market Small Ca...
by Brian2d
Sun Jan 05, 2014 11:50 am
 
Forum: Investing - Theory, News & General
Topic: Tilting towards small/emerging in internatonal
Replies: 3
Views: 417

Re: Emerging Mkts Small Caps (EWX)...bleh?

Is EEMS a better alternative?
by Brian2d
Sat Jan 04, 2014 11:41 am
 
Forum: Investing - Help with Personal Investments
Topic: Emerging Mkts Small Caps (EWX)...bleh?
Replies: 22
Views: 1865

Re: TIAA-CREF or Fidelity for 401A

I have the institutional international, large cap value, and S&P index funds from TIAA-CREF. Expense ratios on the institutional class TIAA-CREF funds, which you indicate you have, are .07% for S&P and .08% for the large cap value and international, and .15% for the small cap blend.
by Brian2d
Fri Jan 03, 2014 7:34 pm
 
Forum: Investing - Help with Personal Investments
Topic: TIAA-CREF or Fidelity for 401A
Replies: 15
Views: 810

Re: REGISTRATION FOR THE 2014 BOGLEHEAD CONTEST

Thinking victory here- 1945.35 (.35 comes from how far into the year V-E day was).
by Brian2d
Wed Jan 01, 2014 6:26 pm
 
Forum: Investing - Theory, News & General
Topic: REGISTRATION FOR THE 2014 BOGLEHEAD CONTEST
Replies: 536
Views: 13723

Roth IRA Contribution for sister- starting residency in July

Hi all,

My sister will almost certainly be starting to work as a resident in July. In the odd chance that she doesn't make $5,500 this year (highly unlikely), would she be able to undo the contribution?
by Brian2d
Wed Jan 01, 2014 1:49 pm
 
Forum: Investing - Help with Personal Investments
Topic: Roth IRA Contribution for sister- starting residency in July
Replies: 1
Views: 185

Re: Positioning for 2014

I put in 5 ETFs, none of which I own, though I own the corresponding mutual fund of 3 of them.
by Brian2d
Tue Dec 24, 2013 8:25 pm
 
Forum: Investing - Theory, News & General
Topic: Positioning for 2014
Replies: 18
Views: 3390

Re: Emerging Markets Small Cap ETF (EEMS)

Apologies for resurrecting an old thread here. 2 years later, still seems like EEMS still has only about $33 million in net assets, vs. over $700 million for EWX. It seems to me like EEMS would otherwise be the better choice but the lack of assets has me wondering about bid ask spreads (then again, ...
by Brian2d
Tue Dec 24, 2013 7:59 pm
 
Forum: Investing - Theory, News & General
Topic: Emerging Markets Small Cap ETF (EEMS)
Replies: 34
Views: 3943

Re: Should my sister realize gains

I was fairly certain that the long term capital gains rate is 0% in the 10 and 15% tax brackets, up to 36,250 for a single filer. Kenner are you aware of something that I am not?
by Brian2d
Sat Dec 14, 2013 2:58 pm
 
Forum: Investing - Help with Personal Investments
Topic: Should my sister realize gains
Replies: 17
Views: 811

Re: Should my sister realize gains

Yes a physician has high earnings potential but I don't understand what is has to do with the question of whether my sister should maximize gains while she's in the 15 percent bracket and won't have to pay capital gains. tax on it. I don't see how there's anything shw xan do with the money to increa...
by Brian2d
Sat Dec 14, 2013 11:02 am
 
Forum: Investing - Help with Personal Investments
Topic: Should my sister realize gains
Replies: 17
Views: 811

Re: Should my sister realize gains

These would be long term gains with the possible exception of a few distribution reinvestments.

Don't know what you mean by earning vs investing...She would reinvest the money in other funds.
by Brian2d
Sat Dec 14, 2013 9:34 am
 
Forum: Investing - Help with Personal Investments
Topic: Should my sister realize gains
Replies: 17
Views: 811

Should my sister realize gains

My sister's in her final year of med school and will start residency in July. My thought is my sister should sell as much as she can this year while being certain to remain in the 15% tax bracket...is this her best course of action or is there something I'm missing?

Thanks.

Brian
by Brian2d
Sat Dec 14, 2013 12:03 am
 
Forum: Investing - Help with Personal Investments
Topic: Should my sister realize gains
Replies: 17
Views: 811

Re: 10K IBond or PenFed CD

In the 28% tax bracket, also in a high-tax state.
by Brian2d
Sun Dec 01, 2013 11:08 pm
 
Forum: Investing - Help with Personal Investments
Topic: 10K IBond or PenFed CD
Replies: 19
Views: 2249

10K IBond or PenFed CD

Hi all, Trying to decide between the following. 1. 5 yr PenFed CD at 3% 2. 3 yr PenFed CD at 2% 3. I-Bonds at 1.38% .2 fixed plus inflation The amount I have to invest is 10K, so the I-bond limit is not an issue here. I don't anticipate needing this money within the next year, though it is possible,...
by Brian2d
Sun Dec 01, 2013 10:26 pm
 
Forum: Investing - Help with Personal Investments
Topic: 10K IBond or PenFed CD
Replies: 19
Views: 2249

Re: SS COLA wil be 1.5%

Can we figure out from this information what the I-bond rate will be?
by Brian2d
Wed Oct 30, 2013 12:02 pm
 
Forum: Personal Finance (Not Investing)
Topic: SS COLA will be 1.5% [Cost of Living Adjustment]
Replies: 18
Views: 1619

Re: CREF Bond Market Account vs. Vgd Total Bond question?

If you have access to CREF bond market you may also have access to TIAA traditional and may wish to consider that as well, though be aware that some forms of TIAA traditional are illiquid.
by Brian2d
Tue Oct 22, 2013 6:02 pm
 
Forum: Investing - Theory, News & General
Topic: CREF Bond Market Account vs. Vgd Total Bond question?
Replies: 5
Views: 395

Re: sellers remorse [Individual stocks to index funds]

Had a similar experience with UNP (Union Pacific) shortly after I sold most of the UNP I had (kept some for tax purposes). I knew the math behind what I was doing though and stuck to the strategy of diversifying, and absolutely knew what I was doing. To minimize sellers regret you could keep a very ...
by Brian2d
Fri Oct 18, 2013 9:45 pm
 
Forum: Investing - Help with Personal Investments
Topic: sellers remorse [Individual stocks to index funds]
Replies: 22
Views: 2491

Re: My daughtrer's investment choices makes me want to puke!

Sometimes (but not always), 403b plans have multiple providers, which participants may not always be aware of. She should confirm that this is her only option.
by Brian2d
Sun Sep 15, 2013 7:51 pm
 
Forum: Investing - Help with Personal Investments
Topic: My daughter's investment choices makes me want to puke!
Replies: 14
Views: 2578

Re: Emerging Markets: Does indexing make sense here?

Thanks. BTW I'm not a proponent of active management. Most of my money is in index funds, and I'm thinking about taking this tax loss harvest opportunity as a chance to move more. I agree with Sharpe's paper and Bogle in general. However, in a market where there may be a large domestic investor pres...
by Brian2d
Wed Aug 28, 2013 11:10 pm
 
Forum: Investing - Theory, News & General
Topic: Emerging Markets: Does indexing make sense here?
Replies: 15
Views: 1207

Re: Emerging Markets: Does indexing make sense here?

Hi Taylor, Interesting. So this suggests that most emerging market funds don't beat the index. But at the same time, I find the 21% in the row above it interesting. So this is saying emerging market funds don't beat the index, but international small cap funds can? Also, I now believe this post prob...
by Brian2d
Wed Aug 28, 2013 10:24 pm
 
Forum: Investing - Theory, News & General
Topic: Emerging Markets: Does indexing make sense here?
Replies: 15
Views: 1207

Re: Emerging Markets: Does indexing make sense here?

Thanks Taylor...where on the site can I find that data?
by Brian2d
Wed Aug 28, 2013 9:51 pm
 
Forum: Investing - Theory, News & General
Topic: Emerging Markets: Does indexing make sense here?
Replies: 15
Views: 1207

Re: Emerging Markets: Does indexing make sense here?

Do domestic investors (from emerging markets countries), governments, or others have an impact to skew Emerging Markets in a way that makes them inefficient and therefore beatable?
by Brian2d
Wed Aug 28, 2013 9:26 pm
 
Forum: Investing - Theory, News & General
Topic: Emerging Markets: Does indexing make sense here?
Replies: 15
Views: 1207

Re: Socially Responsible Investing

This graph shows Vanguard Socially responsible index, Vanguard total stock market index, TIAA-CREF Social Choice fund, and TIAA-CREF Equity index over the last five years. https://www.google.com/finance?chdnp=1&chdd=1&chds=1&chdv=1&chvs=Logarithmic&chdeh=0&chfdeh=0&chdet=...
by Brian2d
Wed Aug 28, 2013 9:02 pm
 
Forum: Investing - Theory, News & General
Topic: Socially Responsible Investing
Replies: 105
Views: 6427

Emerging Markets: Does indexing make sense here?

Hi all, I now have the change to tax loss harvest an emerging market active fund. In general I believe in indexing, especially for the US and major developed markets, and most of my holdings otherwise are low cost index funds. However, does indexing work in emerging markets, or do political risk and...
by Brian2d
Wed Aug 28, 2013 8:27 pm
 
Forum: Investing - Theory, News & General
Topic: Emerging Markets: Does indexing make sense here?
Replies: 15
Views: 1207

Re: Max out 401k: Traditional-Roth mix

Sure, my tax rate is 38%, but how can I have any idea what it will be 30-40 years from now?

Might it not make any sense to do maybe 1/4 of the 401k as a Roth for this reason?

Thanks.

Brian
by Brian2d
Thu Aug 22, 2013 9:42 pm
 
Forum: Investing - Help with Personal Investments
Topic: Max out 401k: Traditional-Roth mix
Replies: 7
Views: 571

Re: Max out 401k: Traditional-Roth mix

Good pt, but I'm already doing that.
by Brian2d
Wed Aug 21, 2013 10:20 pm
 
Forum: Investing - Help with Personal Investments
Topic: Max out 401k: Traditional-Roth mix
Replies: 7
Views: 571

Max out 401k: Traditional-Roth mix

Hi all, I am currently maxing out my 401K using all traditional contributions. EDIT: I am also contributing 5500 each year to a Roth IRA, via the backdoor. I am in the 28% tax bracket (+10% state + local). For the first time, I am making enough to contribute more than the max 401K traditional. I am ...
by Brian2d
Wed Aug 21, 2013 10:09 pm
 
Forum: Investing - Help with Personal Investments
Topic: Max out 401k: Traditional-Roth mix
Replies: 7
Views: 571

Re: Sometimes Safer NOT to Carry Homeowners Insurance (!?)

This is why probability of ruin is not sufficient as a risk measure. How much you miss by matters too. And you are forgetting the impact of smaller claims as well. A smaller claim is probably quite likely over a long time period.
by Brian2d
Sat Aug 17, 2013 10:08 pm
 
Forum: Personal Finance (Not Investing)
Topic: Sometimes Safer NOT to Carry Homeowners Insurance (!?)
Replies: 59
Views: 4689

Re: Help with a new computer

There are still windows 7 computers available. I know Dell is selling one desktop version for $349. Also, if you're looking for a traditional desktop many are moving to laptops so there may be good used options for not much more than the cost of refurbishing...be sure to buy from a highly rated sell...
by Brian2d
Sat Aug 17, 2013 7:04 pm
 
Forum: Personal Consumer Issues
Topic: Help with a new computer
Replies: 30
Views: 2508
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