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Re: The article on tax efficient placement needs to be rewri

I think all balanced funds across employer-sponsored retirement, IRA, and taxable is a perfectly reasonable choice. That said, once you move past doing that for whatever reason (lower expense ratios, bad choices of blended funds), what should we recommend? It turns out to that the answer gets compli...
by JamesSFO
Wed Jul 23, 2014 10:46 pm
 
Forum: Investing - Theory, News & General
Topic: The article on tax efficient placement needs to be rewri
Replies: 30
Views: 1577

Re: VG Admiral Fund-falling below minimum investment

Under plans that do fall under ERISA, you cannot discriminate against participants based on age, length of employment, amount contributed, etc. Hence, one person who gets lower Admiral expenses because they have a larger amount investment would violate this clause. But since 403b regulations precee...
by JamesSFO
Tue Jul 22, 2014 12:15 pm
 
Forum: Investing - Help with Personal Investments
Topic: VG Admiral Fund-falling below minimum investment
Replies: 35
Views: 2987

Re: Tapatalk Integration

.... I understand the underlying question is for a mobile style. Since we just updated to phpBB 3.0.12 , perhaps this might be a good time to ask the site owner about a phpBB supported mobile style. I've asked before and will ask again. I can't make any promises, though. I think that would help a l...
by JamesSFO
Mon Jul 21, 2014 11:25 pm
 
Forum: Forum Issues and Administration
Topic: Tapatalk Integration
Replies: 46
Views: 12741

Re: Vanguard Client Dispute Resolution Dept.

One and all thank you for the replies. As to the previous post, I don't know what happened to it. I looked and couldn't find it, so I wrote this new one. It appears the old one was removed (but not by me). Would someone on the board have the ability to remove it? Kind of goes back to my Orwellian c...
by JamesSFO
Mon Jul 21, 2014 4:16 pm
 
Forum: Investing - Theory, News & General
Topic: Vanguard Client Dispute Resolution Dept.
Replies: 10
Views: 1589

Re: VG Admiral Fund-falling below minimum investment

Hmmm. Don't know about any ERISA regs that would be violated, but that doesn't mean there aren't any such... Which ERISA regs were you thinking of? What I do know is that for our 403b... I would have to find an older thread on this, but it has come up in discussions here previously, mostly about 40...
by JamesSFO
Mon Jul 21, 2014 3:47 pm
 
Forum: Investing - Help with Personal Investments
Topic: VG Admiral Fund-falling below minimum investment
Replies: 35
Views: 2987

Re: VG Admiral Fund-falling below minimum investment

ResearchMed wrote:
MossySF wrote:Apparently not in all retirement plans.


Really? Can you provide more details, my understanding from multiple discussions of this is that would violate ERISA for 401K/403B/etc. plans...
by JamesSFO
Mon Jul 21, 2014 12:30 pm
 
Forum: Investing - Help with Personal Investments
Topic: VG Admiral Fund-falling below minimum investment
Replies: 35
Views: 2987

Re: Vanguard Client Dispute Resolution Dept.

Same response as was given in your prior (deleted?) thread - write the office of the CEO.
by JamesSFO
Mon Jul 21, 2014 8:38 am
 
Forum: Investing - Theory, News & General
Topic: Vanguard Client Dispute Resolution Dept.
Replies: 10
Views: 1589

Re: VG Admiral Fund-falling below minimum investment

spectec wrote:Just curious. If that happens, would it be advisable to sell it all and buy the comparable ETF (if one exists)?


In standard taxable investing I believe you can convert FROM the mutual fund classes to the ETF classes at Vanguard at no charge. Also not a taxable event.
by JamesSFO
Mon Jul 21, 2014 12:12 am
 
Forum: Investing - Help with Personal Investments
Topic: VG Admiral Fund-falling below minimum investment
Replies: 35
Views: 2987

Re: 401(k) Annual Increase Program

It's a good way to automatically increase your contribution each year when you get a raise in a way that you don't notice. If you are already happy with your contribution or maxed out then you don't need it. This! For a lot of people if they tend to get an annual raise it is a nice way to pre-commi...
by JamesSFO
Sat Jul 19, 2014 4:03 am
 
Forum: Investing - Help with Personal Investments
Topic: 401(k) Annual Increase Program
Replies: 3
Views: 318

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

I guess I must be one of the few who thinks you are better off starting to save for retirement at 30 instead of waiting until 45. All other things being equal, including other retirement savings, the person who take a 15 year mortgage at age 30 can't invest any of that money (the stream of payments...
by JamesSFO
Thu Jul 17, 2014 11:59 pm
 
Forum: Personal Finance (Not Investing)
Topic: 15 year mortgage or a 30 year & Invest?
Replies: 34
Views: 3519

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

There are too many variables to provide a single definitive answer. Overall, both plans can make good sense. Personally, I paid off my mortgage in 15 years and now have been taking my payment on a monthly basis and putting it into taxable investing to keep growing my nest egg. For me that makes me r...
by JamesSFO
Thu Jul 17, 2014 6:15 pm
 
Forum: Personal Finance (Not Investing)
Topic: 15 year mortgage or a 30 year & Invest?
Replies: 34
Views: 3519

Re: I'm cosigner .. Friend thinking of bankruptcy .. Pls hel

I don't know if there are any legal ramifications, but consider this idea (or something similar): To encourage him to keep making his monthly payments, tell him that you would match any EXTRA payment that he makes each month. Only write a check to the financial institution, not the friend. And to e...
by JamesSFO
Tue Jul 15, 2014 1:05 am
 
Forum: Personal Finance (Not Investing)
Topic: I'm cosigner .. Friend thinking of bankruptcy .. Pls help
Replies: 64
Views: 7225

Re: Help - unsolicited 401k distribution

Note to self - do the roll over asap when leaving jobs. This! I managed to get my 401K money out of a company right before a merger, followed by a plan change, followed by a bankruptcy, since the latter two happened simultaneously nearly there was nobody to help with rollovers after the merger. It ...
by JamesSFO
Mon Jul 14, 2014 8:39 am
 
Forum: Personal Finance (Not Investing)
Topic: Help - unsolicited 401k distribution
Replies: 9
Views: 818

Re: Vanguard LifeStrategy Moderate Growth Fund through 401(k

placeholder wrote:Hard to believe the OP is complaining about Fidelity with those options available.


Quite, most people would be envious of a 401K with several institutional class shares.
by JamesSFO
Sun Jul 13, 2014 7:39 pm
 
Forum: Investing - Help with Personal Investments
Topic: Vanguard LifeStrategy Moderate Growth Fund through 401(k)
Replies: 35
Views: 2206

Re: Vanguard LifeStrategy Moderate Growth Fund through 401(k

Nerdicus wrote:Note: please disregard the original post as it is irrelevant


You do realize you can edit your original post and put an update at the top?
by JamesSFO
Sun Jul 13, 2014 9:49 am
 
Forum: Investing - Help with Personal Investments
Topic: Vanguard LifeStrategy Moderate Growth Fund through 401(k)
Replies: 35
Views: 2206

Re: Good California attorney for basic estate planning?

I've used Lynne Stutz in Campbell, CA - PM me for more information
by JamesSFO
Sun Jul 13, 2014 2:39 am
 
Forum: Personal Finance (Not Investing)
Topic: Good California attorney for basic estate planning?
Replies: 6
Views: 1104

Re: Vanguard LifeStrategy Moderate Growth Fund through 401(k

Ok, good additional context, seems like you are already paying low/lower expense ratios on the index funds than you would on the VG fund via brokerage link, so why would you change?
by JamesSFO
Sat Jul 12, 2014 2:58 am
 
Forum: Investing - Help with Personal Investments
Topic: Vanguard LifeStrategy Moderate Growth Fund through 401(k)
Replies: 35
Views: 2206

Re: Vanguard LifeStrategy Moderate Growth Fund through 401(k

You might want EDIT your post and include ALL of your 401K options, that said it looks like you have pretty good basic options in your 401K so I'm not sure why you would want to up your expense ratio vs. just rebalancing to more closely match your desired asset allocation?
by JamesSFO
Sat Jul 12, 2014 2:23 am
 
Forum: Investing - Help with Personal Investments
Topic: Vanguard LifeStrategy Moderate Growth Fund through 401(k)
Replies: 35
Views: 2206

Re: Best WSJ subscription price help

If you aren't attached to receiving the paper, e.g. you mostly want electronic access, you can subscribe and put your subscription on vacation holds for extended periods and stretch out your year for quite a while...
by JamesSFO
Fri Jul 11, 2014 11:54 pm
 
Forum: Personal Consumer Issues
Topic: Best WSJ subscription price help
Replies: 12
Views: 1310

Re: Tapatalk Integration

I'm still pro Tapatalk, but I would settle for a more mobile friendly design which doesn't seem to have happened either...
by JamesSFO
Fri Jul 11, 2014 11:10 am
 
Forum: Forum Issues and Administration
Topic: Tapatalk Integration
Replies: 46
Views: 12741

Re: 529 plan...with parent as beneficiary?

Unless these are special trips led by a university for a qualified education expense, e.g. study abroad or some such, seems pretty sketchy.
by JamesSFO
Wed Jul 09, 2014 12:48 pm
 
Forum: Personal Finance (Not Investing)
Topic: 529 plan...with parent as beneficiary?
Replies: 15
Views: 962

Re: When my IRA beneficiary dies….

If you really want control, name a trust as the beneficiary, the trust can dispense income for your 1st beneficiary's life and then to the charity. There are tax consequences to doing it this way that can be less advantageous.
by JamesSFO
Tue Jul 08, 2014 9:08 am
 
Forum: Investing - Help with Personal Investments
Topic: When my IRA beneficiary dies….
Replies: 7
Views: 913

Re: Bought AAMRQ before it changed to AAL - LT gain tax ques

American FAQ: http://phx.corporate-ir.net/phoenix.zhtml?c=117098&p=irol-faq The U.S. federal income tax consequences of the merger to holders of US Airways stock are disclosed in the Form S-4 filed by AMR Corporation with the SEC in connection with the merger, and the U.S. federal income tax con...
by JamesSFO
Sun Jul 06, 2014 10:12 pm
 
Forum: Investing - Help with Personal Investments
Topic: Bought AAMRQ before it changed to AAL - LT gain tax question
Replies: 5
Views: 531

Re: Vanguard Intermediate California Tax Exempt

I've held this in the past, but ultimately rejiggered my holdings to keep my bonds in my 401K.
by JamesSFO
Sun Jul 06, 2014 10:03 pm
 
Forum: Investing - Help with Personal Investments
Topic: California Intermediate-Term Tax-Exempt Fund
Replies: 9
Views: 913

Re: Morningstar Rates 529 College Saving Plans

Dario33 wrote:That's what I'm thinking. Not sure how New York didn't make the cut. VG funds and low costs.


Ditto for California's TIAA plan which also has low costs for the index options.
by JamesSFO
Fri Jul 04, 2014 8:08 pm
 
Forum: Investing - Theory, News & General
Topic: Morningstar Rates 529 College Saving Plans
Replies: 8
Views: 1143

Re: FICO Scores: Which one do you get?

Also getting a Discover Card or a card from Barclays or some of the other places that provide monthly genuine FICO scores for free is useful too.
by JamesSFO
Fri Jul 04, 2014 8:06 pm
 
Forum: Personal Finance (Not Investing)
Topic: FICO Scores: Which one do you get?
Replies: 20
Views: 1696

Re: The Two-Fund SVIT Portfolios - Higher Returns and Lower

If what you claimed were true, then we would have seen an erosion of the premium after about 1990. I feel like this thread is suffering from amnesia, since it was already demonstrated that SCV had lower returns than SCG since May 1998(their inception date) in real funds on an after tax basis. I thi...
by JamesSFO
Thu Jul 03, 2014 11:00 pm
 
Forum: Investing - Theory, News & General
Topic: The Two-Fund SVIT Portfolios - Higher Returns and Lower Risk
Replies: 110
Views: 6603

Re: Stick with Vanguard or take Fidelity "special deal"?

I am 100 percent with Vanguard, but have been thinking of switching to Fidelity because of serious dissastisfaction with repeated incorrect data displayed on Vanguard's website concerning transactions and performance of my account (and I am a Flagship customer). When I have complained to Vanguard a...
by JamesSFO
Wed Jul 02, 2014 11:32 pm
 
Forum: Investing - Help with Personal Investments
Topic: Stick with Vanguard or take Fidelity "special deal"?
Replies: 50
Views: 3052

Re: BOGLEHEAD CONTEST: Mid-Year Report

Wow, #2... not sure I want to stay #2 if the market is going to go up. :beer
by JamesSFO
Wed Jul 02, 2014 7:57 pm
 
Forum: Investing - Theory, News & General
Topic: BOGLEHEAD CONTEST: Mid-Year Report
Replies: 22
Views: 1839

Re: Vanguard - How America Saves 2014

I downloaded the article. I have also read Fidelity's similar articles. Per Vanguard, for a 35 year old, I've got what "average 45 year olds" have set aside already, but at the same time, I can't help but feel woefully, impossibility behind the 8 ball in terms of saving for retirement. I ...
by JamesSFO
Wed Jul 02, 2014 8:31 am
 
Forum: Personal Finance (Not Investing)
Topic: Vanguard - How America Saves 2014
Replies: 16
Views: 3359

Re: Vanguard - How America Saves 2014

I agree with some of the posts questioning just how much insight these reports actually provide. Much attention is paid to average 401(k) balances, but what is frequently overlooked is the assets held in IRAs from 401(k) rollovers. There is also a significant amount of money held in Roth IRAs that ...
by JamesSFO
Wed Jul 02, 2014 8:30 am
 
Forum: Personal Finance (Not Investing)
Topic: Vanguard - How America Saves 2014
Replies: 16
Views: 3359

Re: The Two-Fund SVIT Portfolios - Higher Returns and Lower

Also, small caps, and SCV, is a rather finite space to invest in, if too many people follow this strategy the small cap stocks would end up not so small and/or not so value-ish. This seems to be a rather large real-world impediment to implementing the strategy writ large.
by JamesSFO
Tue Jul 01, 2014 10:30 pm
 
Forum: Investing - Theory, News & General
Topic: The Two-Fund SVIT Portfolios - Higher Returns and Lower Risk
Replies: 110
Views: 6603

Re: Vanguard - How America Saves 2014

SteelyEyed wrote:Is there a roughly comparable document from any other of the big institutions, like Fidelity? It would be interesting to see if the findings are generally the same, such as 4 of 10 offer after-tax contributions, etc.


Not to my knowledge. But if you find one please report back.
by JamesSFO
Tue Jul 01, 2014 10:27 pm
 
Forum: Personal Finance (Not Investing)
Topic: Vanguard - How America Saves 2014
Replies: 16
Views: 3359

Re: P2P Lending

I used to do Prosper, ultimately I decided I didn't have the personal stomach for it, total lent somewhere south of $1K in $50 chunks. I believe in the end ALL went into default and I barely broke even. Basically, to get a return you have to charge insane interest rates and you don't have access to ...
by JamesSFO
Tue Jul 01, 2014 4:07 pm
 
Forum: Investing - Help with Personal Investments
Topic: P2P Lending
Replies: 12
Views: 890

Re: Vanguard Total Int'l underperforming its index!

It seems to be possible that Schwab is just showing the information given to them by Vanguard. Vanguard is not showing anything more correct themselves. I believe both of them get data on competitor funds from Morningstar. At the least Vanguard does and then doesn't use the data as well as M* displ...
by JamesSFO
Sat Jun 28, 2014 8:32 am
 
Forum: Investing - Theory, News & General
Topic: [Vanguard Total Int'l index - Check the Benchmark]
Replies: 15
Views: 2009

Re: Contribution limits, no 401K option..Do I have this righ

A SIMPLE plan or SEP-IRA might be easier/most cost effective than your employer and offer a higher limit, see https://smallbiz.vanguard.com/

EDIT to clarify: higher limit than a personal IRA
by JamesSFO
Fri Jun 27, 2014 8:34 am
 
Forum: Investing - Help with Personal Investments
Topic: Contribution limits, no 401K option..Do I have this right?
Replies: 29
Views: 1239

Re: The Two-Fund SVIT Portfolios - Higher Returns and Lower

JamesSFO wrote:" BTW, this second paper and second thread is somewhat reminiscent of the response to your earlier thread/paper from February." Yes, but I've extended the long-term analysis from 1928-2011 to 1928-2013, simplified the model portfolio table, added returns during the Great De...
by JamesSFO
Fri Jun 27, 2014 8:28 am
 
Forum: Investing - Theory, News & General
Topic: The Two-Fund SVIT Portfolios - Higher Returns and Lower Risk
Replies: 110
Views: 6603

Re: WSJ article on ROTH 401K's vs Traditional

One thing to consider. My employer does not match ROTH 401k contributions. So, in my case it is a better option to contribute to trad 401k until I maximize the employer match, and then contribute to the ROTH 401k. At least that is my opinion. --Pat Pat: I do not believe there is a legal matching po...
by JamesSFO
Fri Jun 27, 2014 1:40 am
 
Forum: Investing - Theory, News & General
Topic: WSJ article on ROTH 401K's vs Traditional
Replies: 48
Views: 4421

Re: The Two-Fund SVIT Portfolios - Higher Returns and Lower

If you wrote this only for bogleheads, you obviously put in an incredible amount of work. Maybe I'm not seeing part of the doc. All I see is 15 pages of efficient frontier graphs and notes regarding said graphs. Agree that makes for a lengthy forum post, but I wouldn't call it a "paper". ...
by JamesSFO
Fri Jun 27, 2014 1:22 am
 
Forum: Investing - Theory, News & General
Topic: The Two-Fund SVIT Portfolios - Higher Returns and Lower Risk
Replies: 110
Views: 6603

Re: The Two-Fund SVIT Portfolios - Higher Returns and Lower

...it's borderline dishonest not to acknowledge that Vanguard's small cap growth fund did just as well as it's small cap value since it's inception . Well, let's take a look. From 1999 through 2013, Vanguard's small-cap growth didn't do as well as Vanguard small-cap value (they both got started in ...
by JamesSFO
Fri Jun 27, 2014 1:18 am
 
Forum: Investing - Theory, News & General
Topic: The Two-Fund SVIT Portfolios - Higher Returns and Lower Risk
Replies: 110
Views: 6603

Re: Am I Nuts?

Did I make a huge mistake? Just bought a home in a very desirable Chicago suburb and location with the intent of putting an addition to the house. This is our 'forever house' We paid $570k for the house. The proposed addition is 150-200k. Our gross income is about 275k. We maximize our 53k/year in ...
by JamesSFO
Thu Jun 26, 2014 8:40 am
 
Forum: Personal Finance (Not Investing)
Topic: Am I Nuts? [Purchased "forever house," planning addition]
Replies: 34
Views: 2730

Re: Bonds vs. Cds Discussion

JamesSFO, Do you mind explaining what marking to market is? Thanks So a bank CD (as opposed to a brokered CD) where you deposit $10K @ 2% on day 1. Now the next morning, interest rates go up to 3%, that same CD should be worth less because IF the CD was tradeable someone would no longer pay you $10...
by JamesSFO
Wed Jun 25, 2014 10:52 pm
 
Forum: Investing - Theory, News & General
Topic: Bonds vs. Cds Discussion
Replies: 22
Views: 1476

Re: Bonds vs. Cds Discussion

Everyone knows that theres only one direction interest rates can go in this environment ... with no risk of principle ( only small withdrawal penalty). Bonds CAN go down further OR they could stay the same. So everyone does NOT know there is ONLY ONE direction. Also, CDs have principal risk, it's j...
by JamesSFO
Wed Jun 25, 2014 7:51 pm
 
Forum: Investing - Theory, News & General
Topic: Bonds vs. Cds Discussion
Replies: 22
Views: 1476

Re: What does the Case Shiller Index actually mean?

Hello, I am trying to understand what the Case-Shiller Index actually measures? From the little i have been able to understand, it measures change in price, but not actual value. So if that is the case does that mean that a number above 100 means that home values are appreciating? Anyone know what ...
by JamesSFO
Tue Jun 24, 2014 11:20 am
 
Forum: Investing - Theory, News & General
Topic: What does the Case Shiller Index actually mean?
Replies: 5
Views: 445

Re: Question about divorce & settlement

Steelersfan wrote:
Good advice.


It seems like a lot of cranky guys got up and started posting on the board today before they had their croissant and coffee. :happy


thanks :sharebeer
by JamesSFO
Tue Jun 24, 2014 10:18 am
 
Forum: Personal Consumer Issues
Topic: Question about divorce & settlement
Replies: 39
Views: 2097

Re: Question about divorce & settlement

Just out of curiosity, in my hypothetical scenario: Let's say a guy has a $200,000 home fully paid off and $200,000 worth of stocks and he marries a woman with $0 assets. Thus, he brought with him $400,000 into the marriage. Fast forward 10 years and let's assume there was a real estate crash but s...
by JamesSFO
Tue Jun 24, 2014 9:23 am
 
Forum: Personal Consumer Issues
Topic: Question about divorce & settlement
Replies: 39
Views: 2097

Re: Best CC for (new) purchases

I get very tired of Retailers telling me "We don't take American Express"..... Never have that problem with Visa. It's just not worth the hassle. I just haven't experienced that (Amex is taken everywhere around here in SF Bay Area pretty much), but the Fidelity Visa @ 1.5% for first ~15K ...
by JamesSFO
Mon Jun 23, 2014 9:19 am
 
Forum: Personal Finance (Not Investing)
Topic: Best CC for (new) purchases
Replies: 43
Views: 3079

Re: Betterment launches tax loss harvesting

Thank you, and I stand by my point if they've found 3 proxies for each other, aren't they substantially identical? They are being advertised as "closely correlated" and usable as substitutes for each other. What indexes do they follow and what criteria do you use for identical (note the I...
by JamesSFO
Sat Jun 21, 2014 10:29 am
 
Forum: Investing - Theory, News & General
Topic: Betterment launches tax loss harvesting
Replies: 28
Views: 2812

Re: Betterment launches tax loss harvesting

But doesn't just beg the substantial similarity test, I mean if you have 3 funds that are very closely correlated like this are they really different? Not "substantially similar" but "substantially identical". Thank you, and I stand by my point if they've found 3 proxies for eac...
by JamesSFO
Fri Jun 20, 2014 12:24 pm
 
Forum: Investing - Theory, News & General
Topic: Betterment launches tax loss harvesting
Replies: 28
Views: 2812

Re: Why does Vanguard sit on your money for a week ?

I've just transferred a reasonable sum of money to Vanguard and would (while I have the compulsion) like to go AI and buy my first stock funds (or ETFs) but they said there's a 7 day hold. Is this a function of the US banking system (I'm a recently immigrated Brit) or just something they do ? It's ...
by JamesSFO
Fri Jun 20, 2014 12:23 pm
 
Forum: Investing - Theory, News & General
Topic: Why does Vanguard sit on your money for a week ?
Replies: 14
Views: 1521
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