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Re: Buying the dividend in a tax advantaged account. Downsi

A few days ago I purchased a mutual fund (QSPIX) in a tax advantaged account. In the rush of holiday planning I did not realize that I had purchased it directly before a large 12% dividend. Today I noted that the fund price had dropped 12% and I had earned the same amount in dividends (my dividends...
by Noobvestor
Sat Dec 20, 2014 4:35 am
 
Forum: Investing - Help with Personal Investments
Topic: Buying the dividend in a tax advantaged account. Downsides?
Replies: 1
Views: 357

Re: [Denmark] Retirement Portfolio Review

Tough call about the Danish fund - it's only 0.5% of the world market cap so more than 5% or at most 10% might be a bit much even though it's your home country. Honestly, your portfolio looks solid to me - maybe slightly risky (could start gliding toward more bonds starting now rather than in 5 year...
by Noobvestor
Sat Dec 20, 2014 12:55 am
 
Forum: Investing - Help with Personal Investments
Topic: [Denmark] Retirement Portfolio Review
Replies: 4
Views: 453

Re: Why a Boglehead doesn't invest in individual companies?

The National Association of Investment Clubs has a rule of thumb that out of every 5 carefully chosen stocks: three will perform about as expected, one will bomb, and one will perform beyond your wildest expectations. From personal experience, I have found that to be true. If your "sample"...
by Noobvestor
Fri Dec 19, 2014 10:51 pm
 
Forum: Investing - Help with Personal Investments
Topic: Why a Boglehead doesn't invest in individual companies?
Replies: 57
Views: 5196

Re: funds which glide in <10 years

mhalley, imgritz, rkhusky, Noobvestor - Thanks for your replies. I think I am leaning towards - either putting it in a target fund with shorter horizon,like some of you suggested, or looking for some CD's to park it until I figure things out. If you're parking for more than 1 year I'd recommend I B...
by Noobvestor
Wed Dec 17, 2014 1:34 am
 
Forum: Investing - Help with Personal Investments
Topic: funds which glide in <10 years
Replies: 7
Views: 935

Re: For you slicers/dicers out there [rebalancing/adding new

I am a slicer/dicer with most of my (large) portfolio in taxable as well, so I can tell you what I do for what it's worth: I allocate new chunks of money individually based on what needs topping off. I prioritize the bond/stock portion first - i.e. if one stock fund is trailing the others, but bonds...
by Noobvestor
Wed Dec 17, 2014 1:18 am
 
Forum: Investing - Theory, News & General
Topic: For you slicers/dicers out there [rebalancing/adding new $]
Replies: 20
Views: 1894

Re: Does it make sense for me to buy EE Bonds?

Hah, you just turned the tables and helped me enhance my plan around EEs - I hadn't thought about holding them past 20 years for potential tax benefits!
by Noobvestor
Tue Dec 16, 2014 5:19 am
 
Forum: Investing - Help with Personal Investments
Topic: Does it make sense for me to buy EE Bonds?
Replies: 6
Views: 775

Re: Should CASH be counted in allocation planning

There are two schools of thought on this: 1) Cash for emergencies is a separate thing that shouldn't be part of your portfolio. This is probably the best route if you're young and don't have a lot invested - if you treated your emergency fund as part of your portfolio but it represented 2/3 of your ...
by Noobvestor
Mon Dec 15, 2014 6:36 pm
 
Forum: Investing - Help with Personal Investments
Topic: Should CASH be counted in allocation planning
Replies: 15
Views: 1092

Re: Does it make sense for me to buy EE Bonds?

So here is my situation... I currently am 31 years old and am in the 28% federal bracket, 6.33% state. I currently make in the low 6 figures. My current job is in an industry of huge growth right now (probably a bubble) and my job may not be around after 5 years or so (no idea what the future holds...
by Noobvestor
Mon Dec 15, 2014 6:32 pm
 
Forum: Investing - Help with Personal Investments
Topic: Does it make sense for me to buy EE Bonds?
Replies: 6
Views: 775

Re: U.S. stocks in freefall

Image

I see a crash in 08/09, a few bumps in the road in 10 and 11, but not much to write home about since then.
by Noobvestor
Mon Dec 15, 2014 5:50 pm
 
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 1064
Views: 189383

Re: 100% equities - my reasoning

Note: I am firmly in the camp (ala Graham) that believes in having at least 25% bonds. That said, if you're deciding between 90/10 and 100/0, I suggest doing 90/10 and considering making your bonds something like Extended Duration Treasuries (Vanguard has an ETF for this). In stock downturns, extrem...
by Noobvestor
Sun Dec 14, 2014 11:28 pm
 
Forum: Investing - Theory, News & General
Topic: 100% equities - my reasoning
Replies: 91
Views: 5925

Re: U.S. stocks in freefall

ivyhedge wrote:Our shiba inu saw Bloomberg this morning and said, "much sell". I responded, "many buy".


Image
by Noobvestor
Sun Dec 14, 2014 11:09 pm
 
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 1064
Views: 189383

Re: Using EE and/or I Bonds Instead of Bond Funds

I happily use both I Bonds and EE Bonds to extend my effective tax-advantaged space. Given that I'm also somewhat younger, I realize the EE Bonds may come due sooner that I would like (maybe even the I Bonds, too) in terms of my tax bracket. Still, better tax deferred I figure than not. That's my t...
by Noobvestor
Sun Dec 14, 2014 11:06 pm
 
Forum: Investing - Help with Personal Investments
Topic: Using EE and/or I Bonds Instead of Bond Funds
Replies: 48
Views: 4257

Re: Am I crazy to move my emergency fund to bonds?

I keep some in cash, checking and savings, but most of my effective emergency fund is in the form of Series I Savings Bonds that are past the one year mark and thus can be cashed out with at most a 3-month interest penalty. Of course, in a real emergency, as pointed out, there will still be a slight...
by Noobvestor
Sun Dec 14, 2014 11:04 pm
 
Forum: Investing - Help with Personal Investments
Topic: Am I crazy to move my emergency fund to bonds?
Replies: 8
Views: 1193

Re: Using EE and/or I Bonds Instead of Bond Funds

I happily use both I Bonds and EE Bonds to extend my effective tax-advantaged space. Given that I'm also somewhat younger, I realize the EE Bonds may come due sooner that I would like (maybe even the I Bonds, too) in terms of my tax bracket. Still, better tax deferred I figure than not. If you thin...
by Noobvestor
Fri Dec 12, 2014 11:35 pm
 
Forum: Investing - Help with Personal Investments
Topic: Using EE and/or I Bonds Instead of Bond Funds
Replies: 48
Views: 4257

Re: Using EE and/or I Bonds Instead of Bond Funds

I happily use both I Bonds and EE Bonds to extend my effective tax-advantaged space. Given that I'm also somewhat younger, I realize the EE Bonds may come due sooner that I would like (maybe even the I Bonds, too) in terms of my tax bracket. Still, better tax deferred I figure than not.
by Noobvestor
Fri Dec 12, 2014 9:26 pm
 
Forum: Investing - Help with Personal Investments
Topic: Using EE and/or I Bonds Instead of Bond Funds
Replies: 48
Views: 4257

Re: funds which glide in <10 years

Glide paths are meant to be gentle, hence the name. Nothing good will transition from 100% to 0% stocks that fast. If I were buying a fund as a ten-year investment I'd probably get something like a Target Date fund already toward the end date (or past it).
by Noobvestor
Fri Dec 12, 2014 9:25 pm
 
Forum: Investing - Help with Personal Investments
Topic: funds which glide in <10 years
Replies: 7
Views: 935

Re: Poll: Your Portfolio Tax Diversification

Mostly taxable, some traditional and a little Roth. Wish it were otherwise - in a perfect world I'd be mostly Roth, some traditional and a little taxable (i.e. the reverse of what I am now).
by Noobvestor
Thu Dec 11, 2014 12:43 am
 
Forum: Investing - Theory, News & General
Topic: Poll: Your Portfolio Tax Diversification
Replies: 45
Views: 2454

Re: lending club

I shudder whenever I hear someone say they treat Lending Club like bonds ... you have default, call, liquidity, institutional and concentration risks above and beyond typical bonds or bond funds: http://lazytraders.com/insights/5-lending-club-risks-why-peer-to-peer-may-lend-itself-to-problems/ They...
by Noobvestor
Thu Dec 11, 2014 12:40 am
 
Forum: Investing - Theory, News & General
Topic: lending club
Replies: 50
Views: 3960

Re: Poll: Dividend income to match annual salary?

I'm loving the results so far ... all zeros until the last one, then 19. So yeah, I've made good money, invested a lot over time, but no, dividends still aren't anywhere close to salary. It would take such a huge nest egg to generate, say, a low six-figure income in just dividends - can't imagine!
by Noobvestor
Tue Dec 09, 2014 11:02 pm
 
Forum: Investing - Theory, News & General
Topic: Poll: Dividend income to match annual salary?
Replies: 39
Views: 3641

Re: What's wrong with VTIAX?

nisiprius wrote:Now that you know these two ratings, I suggest ignoring both of them.


8-)
by Noobvestor
Tue Dec 09, 2014 3:26 pm
 
Forum: Investing - Theory, News & General
Topic: What's wrong with VTIAX?
Replies: 63
Views: 7455

Re: lending club

I also agree that LC is not quite bonds. There's no free lunch, and the 11-13% return I get is certainly not bond-like. I view LC as what it is: high risk fixed income. I have more faith than some here, though, because LC portfolios did withstand the the previous recession. Returns went down, but n...
by Noobvestor
Tue Dec 09, 2014 2:28 am
 
Forum: Investing - Theory, News & General
Topic: lending club
Replies: 50
Views: 3960

Re: Conservative portfolio results?

Check this out - the impact of high fees, shown graphically: https://personal.vanguard.com/us/insigh ... about-cost ... after 50 years ... unfathomable.
by Noobvestor
Tue Dec 09, 2014 12:49 am
 
Forum: Investing - Help with Personal Investments
Topic: Conservative portfolio results?
Replies: 41
Views: 3618

Re: Investing in Norway vs International

I agree with the above - you could certainly tilt more toward 'world' but no need to add the US or any other one market in particular. Perhaps something along the lines of 20% Norway, 50% world, 30% bonds (or 25/50/25)? Assuming they are home-country/currency bonds, that would put you 50% or so in l...
by Noobvestor
Tue Dec 09, 2014 12:40 am
 
Forum: Investing - Help with Personal Investments
Topic: Investing in Norway vs International
Replies: 6
Views: 764

Re: Global Outlook by Region

Frontier markets are hard to invest in efficiently/cheaply/easily. I personally tilt toward emerging somewhat, but don't necessarily expect that to outperform in a significant way or on a risk-adjusted basis - I just prefer to cover all the bases. GDP growth, IIRC, is slightly negatively correlated ...
by Noobvestor
Tue Dec 09, 2014 12:37 am
 
Forum: Investing - Theory, News & General
Topic: Global Outlook by Region
Replies: 5
Views: 669

Re: lending club

I shudder whenever I hear someone say they treat Lending Club like bonds ... you have default, call, liquidity, institutional and concentration risks above and beyond typical bonds or bond funds: http://lazytraders.com/insights/5-lendi ... -problems/
by Noobvestor
Tue Dec 09, 2014 12:30 am
 
Forum: Investing - Theory, News & General
Topic: lending club
Replies: 50
Views: 3960

Re: Annuities and Legal Settlements

It seems like a guaranteed loss (paying a big tax bill) versus a potential loss (of more money with lower odds)... Agreed - my take: better the devil you know. We all have different risk tolerances and priorities, but if it's a million minus taxes or a million that might or might not materialize at...
by Noobvestor
Tue Dec 09, 2014 12:03 am
 
Forum: Investing - Help with Personal Investments
Topic: Annuities and Legal Settlements
Replies: 17
Views: 1390

Re: Annuities and Legal Settlements

It seems like a guaranteed loss (paying a big tax bill) versus a potential loss (of more money with lower odds)... Agreed - my take: better the devil you know. We all have different risk tolerances and priorities, but if it's a million minus taxes or a million that might or might not materialize at...
by Noobvestor
Mon Dec 08, 2014 2:47 am
 
Forum: Investing - Help with Personal Investments
Topic: Annuities and Legal Settlements
Replies: 17
Views: 1390

Re: What do you splurge on?

Topo Chico mineral water and travel, not necessarily in that order
by Noobvestor
Sun Dec 07, 2014 11:36 pm
 
Forum: Personal Consumer Issues
Topic: What do you splurge on?
Replies: 237
Views: 21078

Re: TSM vs S&P500

tl;dr no
by Noobvestor
Sun Dec 07, 2014 11:34 pm
 
Forum: Investing - Theory, News & General
Topic: TSM vs S&P500
Replies: 25
Views: 2884

Re: Annuities and Legal Settlements

You say 'low credit risk' but I don't believe it - take the money you can get now and don't worry about a single potential point of failure costing you the rest of your payments. Yes, it means a higher tax liability, but it is so much safer than trusting them to pay out the rest. Even if they bought...
by Noobvestor
Sun Dec 07, 2014 11:28 pm
 
Forum: Investing - Help with Personal Investments
Topic: Annuities and Legal Settlements
Replies: 17
Views: 1390

Re: Does Total Int'l include emerging markets?

As someone who has 50% of their international allocation in Emerging Markets (the Vanguard fund) I would say there's not any necessary reason to follow my lead ... I do it to diversify (yes, I'm using that in a non-standard way), but Total International is absolutely fine for most people. All depend...
by Noobvestor
Sat Dec 06, 2014 1:21 am
 
Forum: Investing - Help with Personal Investments
Topic: Does Total Int'l include emerging markets?
Replies: 6
Views: 883

Re: REGISTRATION FOR THE 2014 BOGLEHEAD CONTEST

So it's too late to up my entry? Because we need a crash fast for me to be a contender! :twisted:
by Noobvestor
Sat Dec 06, 2014 12:42 am
 
Forum: Investing - Theory, News & General
Topic: REGISTRATION FOR THE 2014 BOGLEHEAD CONTEST
Replies: 537
Views: 15377

Re: How do you rebalance?

I went with the last option - I use bands in theory, but in practice with a lot in taxable space I rebalance with new money and accept some drift to avoid realizing gains. I don't think that rebalancing ranges and using new money directed to lagging sectors are in any way opposed so one is using th...
by Noobvestor
Sat Dec 06, 2014 12:39 am
 
Forum: Investing - Theory, News & General
Topic: How do you rebalance?
Replies: 40
Views: 3153

Re: Poll: Do you ask questions at company 401(k) meetings?

At my SEP IRA meetings with myself I sometimes ask 'should I use a Solo 401k, or do some rollover to a Roth IRA?' but that's about it. So, you get to ask questions, but, you don't get any answers? :P So far my answer has either been 'I'm too lazy to figure it out' or 'I think we're OK for now'. To ...
by Noobvestor
Sat Dec 06, 2014 12:31 am
 
Forum: Investing - Theory, News & General
Topic: Poll: Do you ask questions at company 401(k) meetings?
Replies: 25
Views: 1725

Re: Poll: Do you ask questions at company 401(k) meetings?

At my SEP IRA meetings with myself I sometimes ask 'should I use a Solo 401k, or do some rollover to a Roth IRA?' but that's about it.
by Noobvestor
Fri Dec 05, 2014 11:29 pm
 
Forum: Investing - Theory, News & General
Topic: Poll: Do you ask questions at company 401(k) meetings?
Replies: 25
Views: 1725

Re: Someone explain why bond funds are "safe?"

I agree with the caution about treating bonds as 'safe without qualification' is dangerous and the caveat that higher stocks can lead to higher terminal wealth. It's also true that the inflation/deflation-adjusted chart shows a somewhat different picture, though still points to an optimal portfolio ...
by Noobvestor
Fri Dec 05, 2014 10:34 pm
 
Forum: Investing - Help with Personal Investments
Topic: Someone explain why bond funds are "safe?"
Replies: 33
Views: 2641

Re: Vanguard Total Bond vs. Intermediate Bond

Total Bond and Intermediate Bond have similar durations, but Intermediate Bond's is slightly higher. Regardless, with a bond allocation that high I would worry less about the duration within a year or two and more about whether you want to add some TIPS to provide some inflation protection as well. ...
by Noobvestor
Fri Dec 05, 2014 4:50 am
 
Forum: Investing - Help with Personal Investments
Topic: Vanguard Total Bond vs. Intermediate Bond
Replies: 3
Views: 944

Re: Someone explain why bond funds are "safe?"

Yay, great to see that chart popping back up now and then! If one wants a different point of view, most any withdrawal model for retirement will show that at moderate withdrawal rates the sure fire way to run out of money before the end of a long period of time is to have too much in bonds and too l...
by Noobvestor
Thu Dec 04, 2014 7:53 pm
 
Forum: Investing - Help with Personal Investments
Topic: Someone explain why bond funds are "safe?"
Replies: 33
Views: 2641

Re: muni bond funds in taxable - reinvest dividends?

I let the dividends fall into a money market so I can use them to rebalance as needed.
by Noobvestor
Thu Dec 04, 2014 4:23 am
 
Forum: Investing - Theory, News & General
Topic: muni bond funds in taxable - reinvest dividends?
Replies: 26
Views: 5468

Re: How do you rebalance?

I went with the last option - I use bands in theory, but in practice with a lot in taxable space I rebalance with new money and accept some drift to avoid realizing gains.
by Noobvestor
Thu Dec 04, 2014 4:22 am
 
Forum: Investing - Theory, News & General
Topic: How do you rebalance?
Replies: 40
Views: 3153

Re: What % of your fixed-income is TIPs?

What, not a poll? :( My target is 50% TIPS/I Bonds ... due to taxable space issues I'm less than that currently. My other half is tax-exempt bonds, but those would be Treasuries again if not for the aforementioned taxable space issues. I like the idea of a clean 50/50 inflation/nominal split.
by Noobvestor
Thu Dec 04, 2014 1:36 am
 
Forum: Investing - Theory, News & General
Topic: What % of your fixed-income is TIPs?
Replies: 71
Views: 3504

Re: Does a larger portfolio offer benefits when rebalancing?

Buy And Hold Vanguard Intermediate-Term Treasury Fund 20% Vanguard Short-Term Treasury Fund 12% Vanguard International Value Fund 12% Vanguard Developed Markets Index Fund 12% Vanguard Inflation-Protected Securities Fund 8% Vanguard Small-Cap Index Fund 6% Vanguard Small-Cap Value Index Fund 6% Van...
by Noobvestor
Tue Dec 02, 2014 1:59 am
 
Forum: Investing - Theory, News & General
Topic: Does a larger portfolio offer benefits when rebalancing?
Replies: 12
Views: 1022

Re: Valuation of EE Savings Bonds

What a wonderful thread. Really appreciate the insightful perspectives and detailed breakdowns. On my own low-tech spreadsheet purposes I keep track EE bonds as if they were accruing interest at ~3.5% a year because I'm certain I won't cash them in for 20 years but want some sense of their value alo...
by Noobvestor
Tue Dec 02, 2014 1:44 am
 
Forum: Investing - Theory, News & General
Topic: Valuation of EE Savings Bonds
Replies: 48
Views: 3723

Re: How did you handle the 2008 bear market ?

- How did you handle the 2008 bear market ? - Did you stay the course ? If so, how ? (stop looking at your net worth etc) - What, if any, do you plan on doing differently in the next bear market ? 1) I asked around, figured out I shouldn't sell 2) I bought more, then asked around some more 3) I bec...
by Noobvestor
Sat Nov 29, 2014 12:07 am
 
Forum: Investing - Theory, News & General
Topic: How did you handle the 2008 bear market ?
Replies: 79
Views: 6273

Re: Complement MSCI ACWI (Acc) idx fund with VXF and VSS in

I live in Europe. European funds usually reinvest dividends before taxes. I invest in an index fund that tracks the MSCI ACWI. Annual TER is 0.30%. The index has about 2200 stocks and comprises the top 85% of global market capitalization in developed and emerging markets. I'm considering adding the...
by Noobvestor
Tue Nov 25, 2014 12:53 am
 
Forum: Investing - Theory, News & General
Topic: Complement MSCI ACWI (Acc) idx fund with VXF and VSS in EU?
Replies: 2
Views: 311

Re: Allocation

You're not giving us a lot to go on (e.g. age, goals, etc...). Also 70% large cap vs. 30% emerging doesn't make sense - do you mean 70% developed 30% emerging? Zero bonds is (IMHO) is never a good idea - start with 25%, whatever your age. Not my idea - Benjamin Graham's.
by Noobvestor
Tue Nov 25, 2014 12:51 am
 
Forum: Investing - Help with Personal Investments
Topic: Allocation
Replies: 16
Views: 1061

Re: Investment timing of brokerage account

hornet96 wrote:
Noobvestor wrote: Vanguard's intermediate muni fund starts close to that at .20% but drops to .12% once you hit $10,000$50,000


Slight correction above. Admiral shares of the muni funds start at $50K.


Oi, thank you! I'll edit my post, too.
by Noobvestor
Sun Nov 23, 2014 12:16 am
 
Forum: Investing - Help with Personal Investments
Topic: Investment timing of brokerage account
Replies: 6
Views: 931
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