Search found 31 matches

Return to advanced search

Re: Philly Hotels, with the family

Check out Airbnb. I have had great luck in multiple destinations.
by Clivus1
Mon Sep 01, 2014 6:17 pm
 
Forum: Personal Consumer Issues
Topic: Philly Hotels, with the family
Replies: 15
Views: 1102

Re: Should i Buy a new car

Keep the older car. My life situation is very similar to yours. My fellow physicians and spouse thought I should get a new car. I sold an 8 year old Subaru which was in perfect mechanical condition for a fancy new car costing 5x as much. The new car was great for a few months, but I'd trade it today...
by Clivus1
Tue Aug 05, 2014 12:29 pm
 
Forum: Personal Finance (Not Investing)
Topic: Should i Buy a new car
Replies: 87
Views: 4428

Re: Automatic PCRA investment

My Schwab 401k PCRA requires a manual transaction to purchase securities with each deposit. I have not found a way around it.
by Clivus1
Tue Aug 05, 2014 12:16 pm
 
Forum: Investing - Help with Personal Investments
Topic: Automatic PCRA investment
Replies: 11
Views: 637

Re: Stop Loss on stocks/ ETFs

Stop loss sounds like a great way to minimize risk to the downside.

The problem arises when trying to decide when to reinvest.
by Clivus1
Sun Jul 20, 2014 12:55 pm
 
Forum: Investing - Help with Personal Investments
Topic: Stop Loss on stocks/ ETFs
Replies: 12
Views: 932

Re: 15 year mortgage or a 30 year & Invest?

The dispassionate robot would get a 30 year note and invest. Make a spreadsheet comparing the two options for 5,10,15, and 20 years. This was eye opening for me and led me to use a 30 year mortgage for my most recent home. Don't forget to factor in the amount your mortgage payment will shrink relati...
by Clivus1
Thu Jul 17, 2014 8:50 pm
 
Forum: Personal Finance (Not Investing)
Topic: 15 year mortgage or a 30 year & Invest?
Replies: 34
Views: 3803

Re: New Boglehead 43yr old possible Total Revamp of Portfoli

There is no mathematical reason to aggressively pay down a 2.85% mortgage, only emotional reasons. This topic is a source of much debate here, but I would keep the mortgage. Your long term goals may be better served by more taxable investing now. Keep it simple and use three funds: Vanguard total st...
by Clivus1
Mon May 05, 2014 10:11 pm
 
Forum: Investing - Help with Personal Investments
Topic: New Boglehead 43yr old possible Total Revamp of Portfolio
Replies: 24
Views: 4232

Re: Schwab PCRA through 401k?

I've used the PCRA option with Schwab for in the same manner as dbr for the past 5 years or so. No problems for me. The only minor issue aside from the commissions when trading and the annual fee is the way they reinvest dividends in non-Schwab products. They hold the dividend for a day or two in ca...
by Clivus1
Thu Jan 09, 2014 1:46 pm
 
Forum: Investing - Help with Personal Investments
Topic: Schwab PCRA through 401k?
Replies: 9
Views: 344

Re: To payoff mortgage or not

There are no compelling financial reasons to pay off your mortgage, only emotional ones. You have borrowed at some of the lowest rates in history. You are a young accumulator. Run some 20 year simulations of your portfolio with and without the mortgage. In a crisis 10 years from now would you rather...
by Clivus1
Fri Jan 03, 2014 11:06 am
 
Forum: Investing - Help with Personal Investments
Topic: To payoff mortgage or not
Replies: 64
Views: 3766

Re: Bogleheads favorite Task management App?

Wunderlist and Evernote are both excellent
by Clivus1
Mon Dec 16, 2013 10:02 pm
 
Forum: Personal Consumer Issues
Topic: Bogleheads favorite Task management App?
Replies: 17
Views: 1391

Re: Emerging market allocation

9.3% Emerging for me

I replicate Vanguard total world in my equity holdings and all of my international holdings are VXUS. International represents ~52% of equities for me.
by Clivus1
Tue Oct 22, 2013 5:19 am
 
Forum: Investing - Help with Personal Investments
Topic: Emerging market allocation
Replies: 18
Views: 2197

Re: Shouldn't we all be 50/50

I see tremendous risk in bonds as an accumulator in my forties. The risk lies in losing to inflation over my long timeline. With an investment horizon greater than 20 years I see little reason for bonds. Vanguard seems to agree as they have become much more aggressive in their target date products. ...
by Clivus1
Thu Oct 17, 2013 9:55 am
 
Forum: Investing - Theory, News & General
Topic: Shouldn't we all be 50/50
Replies: 44
Views: 3160

Re: Taxable portfolio

Using VXUS and moving your international allocation to taxable is an efficient solution to lack of sheltered space. VXUS is one of the most tax efficient, low cost vehicles available. As an ETF it is slightly more tax efficient when compared with the fund equivalent. I would not put bonds or domesti...
by Clivus1
Sun Oct 13, 2013 8:43 am
 
Forum: Investing - Help with Personal Investments
Topic: Taxable portfolio
Replies: 12
Views: 1023

Re: Reliable ETF Bid/Ask spread information

livesoft, What are you getting at with the method that Schwab automatically reinvests dividends? I don't seem to pay commission on reinvestment. They do hold the money for 72 hours in a sweep account before depositing the shares. You are tempting me with your suggestion of SWTSX. I'll investigate a ...
by Clivus1
Sun Oct 13, 2013 8:35 am
 
Forum: Investing - Help with Personal Investments
Topic: Reliable ETF Bid/Ask spread information
Replies: 8
Views: 786

Re: Reliable ETF Bid/Ask spread information

Thank you stultz. Fidelity shows an average bid/ask of 0.04% for SCHB, but only 0.01 for VTI. SCHB may improve with time, it is a relatively small ETF compared with VTI. livesoft - I'm not sure when I'll be trading in the future, so I like to look at average bid/ask. I do use limit orders to minimiz...
by Clivus1
Sat Oct 12, 2013 10:10 am
 
Forum: Investing - Help with Personal Investments
Topic: Reliable ETF Bid/Ask spread information
Replies: 8
Views: 786

Reliable ETF Bid/Ask spread information

I'm trying to determine the lowest cost way to own the total domestic stock market in my 401k using ETFs. My account is at Schwab and I am able to trade Schwab ETF products without commission. The vast majority of my portfolio is at Vanguard and I use VTI for my domestic equity holdings. I am having...
by Clivus1
Sat Oct 12, 2013 8:24 am
 
Forum: Investing - Help with Personal Investments
Topic: Reliable ETF Bid/Ask spread information
Replies: 8
Views: 786

Re: Pay down mortgage or invest?

A few thoughts: 1 Mortgage rate are at generational lows. As others have mentioned your effective return on paying down the mortgage is well south of 4% If it ever makes sense to invest rather than pay down the mortgage the time is now. 2 Inflation will dramatically shrink your mortgage payment as a...
by Clivus1
Tue Sep 03, 2013 8:53 am
 
Forum: Investing - Help with Personal Investments
Topic: Pay down mortgage or invest?
Replies: 15
Views: 2057

Re: Too Much Cash with Market at Peak

Keep in mind that historically the market is usually at all time highs. Take a look at a 40 year graph of stock market performance.
by Clivus1
Sun Aug 18, 2013 9:38 am
 
Forum: Investing - Help with Personal Investments
Topic: Too Much Cash with Market at Peak
Replies: 24
Views: 3552

Re: I really hope people aren't tilting US due to recency

The precise percentage may vary with the source used.

The World Bank lists the US as just less than 40% of global equity.

http://data.worldbank.org/indicator/CM. ... play=graph
by Clivus1
Wed May 22, 2013 11:55 am
 
Forum: Investing - Theory, News & General
Topic: I really hope people aren't tilting US due to recency
Replies: 36
Views: 2587

Re: I really hope people aren't tilting US due to recency

The US equity market represents a bit less than 40 percent of the global equity market. My equity allocation is slowly moving to match the global market composition. I'm currently 55% international.
by Clivus1
Wed May 22, 2013 9:19 am
 
Forum: Investing - Theory, News & General
Topic: I really hope people aren't tilting US due to recency
Replies: 36
Views: 2587

Re: 100% equities, anyone?

My invested portfolio is all in equities. I am 40 and in a very stable job. This exludes some cash reserves. The breakdown is as follows: 45% Domestic equities 55% International equities Asset allocation is very personal and there is no single "correct" answer. My timeline is long and the ...
by Clivus1
Sat May 11, 2013 8:06 am
 
Forum: Investing - Theory, News & General
Topic: 100% equities, anyone?
Replies: 149
Views: 9957

Time to rethink placing bonds in tax advantaged?

Is it time to revisit the conventional approach of placing bonds in tax advantaged accounts? The yield on Vanguard Total Bond Market Admiral mutual fund shares is 1.56%. The yield on Vanguard Total Stock Market Admiral mutual fund shares is 1.97%. Past performance does not predict the future, but bo...
by Clivus1
Fri May 10, 2013 8:22 am
 
Forum: Investing - Theory, News & General
Topic: Time to rethink placing bonds in tax advantaged?
Replies: 15
Views: 1861

Re: Don't want to TLH. Is this a bad idea?

The only time tax loss harvesting works in your favor is if you never sell your harvested position. For most people TLH makes no sense in the long term. Below is a link to an explanation:

http://www.evansonasset.com/index.cfm?Page=56
by Clivus1
Fri May 03, 2013 11:10 am
 
Forum: Investing - Help with Personal Investments
Topic: Don't want to TLH. Is this a bad idea? [Tax Loss Harvest]
Replies: 38
Views: 2175

Re: Portfolio advice for young couple with first real job

Asset allocation is a personal choice and there is no right answer. 100% equities is a reasonable asset allocation for young investors with a long timeline. Vanguard has an online tool which may help with your decision. In the end the most damage to your savings occurs if you choose a strategy and t...
by Clivus1
Tue Apr 30, 2013 10:44 pm
 
Forum: Investing - Help with Personal Investments
Topic: Portfolio advice for young couple with first real job
Replies: 13
Views: 985

Re: Meet Mr. Money Mustache, the man who retired at 30

I like some elements of his message, but I suspect his blog income alone is greater than his peak wages before "retirement"
by Clivus1
Sat Apr 27, 2013 7:01 am
 
Forum: Investing - Theory, News & General
Topic: Meet Mr. Money Mustache, the man who retired at 30
Replies: 253
Views: 28820

Re: Post your asset allocation here:

40 years old 45% Total International Equity (VXUS) 45% Domestic Equity (VTI, VIFSX, VXF, and VBR) - This mix is complicated due to retirement plan options and a 16% tilt toward VBR 10% REIT (all in VNQI) Next moves? I've been thinking of moving out of 100% equities and adding bonds, but It is hard t...
by Clivus1
Mon Apr 15, 2013 8:04 am
 
Forum: Investing - Theory, News & General
Topic: Post your asset allocation here:
Replies: 136
Views: 11558

Re: ETF vs Index Fund

ETF investing allows you to sell your investment when you like and set the price using limit orders. This is not true with funds which settle transactions when the market closes. ETFs can have tax advantages. Due to structural differences mutual finds incur more capital gains. Typically an ETF inves...
by Clivus1
Wed Apr 10, 2013 11:00 pm
 
Forum: Investing - Help with Personal Investments
Topic: ETF vs Index Fund
Replies: 19
Views: 1358

Re: Total World portfolio

I use VTI + VXUS over VT for two reasons: 1) Lower expenses 2) Greater diversification. VT contains 4,207 individual securities. VTI + VXUS contains a total of 9,466 securities. I am also exploring adding international bonds to my portfolio. The new Vanguard fund international bond fund is currency ...
by Clivus1
Fri Feb 22, 2013 9:53 am
 
Forum: Investing - Theory, News & General
Topic: Total World portfolio
Replies: 14
Views: 1653

Re: Tilting to SmallCapValue & IntlSmall...Thoughts?

I'm following a similar plan using a simple ETF portfolio. 55% Domestic (mostly VTI) 45% International (VXUS) The domestic is tilted using 15% VBR The international is titled 15% VSS Nobody knows how much tilt is needed strike the ideal balance between enhanced return increased risk/volatility. Cert...
by Clivus1
Sat Feb 16, 2013 1:36 pm
 
Forum: Investing - Help with Personal Investments
Topic: Tilting to SmallCapValue & IntlSmall...Thoughts?
Replies: 18
Views: 1474

Re: What is the percentage of Bonds in your Portfolio?

I'm 40 with an all stock portfolio. I've never owned a bond. I'm thinking of adding some when the new Vanguard international bond ETF debuts.

Timing the market may be impossible, but 1% yields provide little incentive for me to move into bonds.
by Clivus1
Sat Feb 16, 2013 1:14 pm
 
Forum: Investing - Help with Personal Investments
Topic: What is the percentage of Bonds in your Portfolio?
Replies: 14
Views: 1850

Re: *fired my advisor* need help with investments

My life situation is similar to yours, so I'll share my thoughts. Paying down your mortgage is silly. The only argument for this is psychological security (which is likely false). Interest rates are at historic lows. Your mortgage interest is tax deductible, this makes the true cost of capital even ...
by Clivus1
Fri Feb 15, 2013 2:48 pm
 
Forum: Investing - Help with Personal Investments
Topic: *fired my advisor* need help with investments
Replies: 27
Views: 3064

VTI = 70%VOO + 30%VFX?

I have a deferred compensation plan which has a limited number of investment choices. Fortunately one of the options is VOO. I am trying to mimic VTI by combining VOO and VFX in separate accounts. What ratio of VOO to VXF do I need to accomplish this goal? I'm currently using a 70/30 mix. Thanks in ...
by Clivus1
Thu Feb 14, 2013 11:30 pm
 
Forum: Investing - Help with Personal Investments
Topic: VTI = 70%VOO + 30%VFX?
Replies: 1
Views: 369

Return to advanced search