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Re: Tax Efficiency Question- What to Put Where?

Your "tilts" (BNDX, VNQ, VDE, VHT, etc) are 2% a piece, too small to have a meaningful effect on your portfolio as a whole. Furthermore, you say "I could see myself moving those assets around more than I would either of my major stock investments." This leads me to believe that t...
by RyeWhiskey
Mon Jan 19, 2015 7:54 pm
 
Forum: Investing - Help with Personal Investments
Topic: Tax Efficiency Question- What to Put Where?
Replies: 12
Views: 897

Re: Malkiel's recommendations, 1990 to 2015

The discrepancies aside, all of those portfolios seem too complicated for everyday folks (like my retired parents, both 65+). 7+ fund portfolios? It seems as though the complexity is the only thing which remained constant through the years... :beer
by RyeWhiskey
Sat Jan 17, 2015 3:11 pm
 
Forum: Investing - Theory, News & General
Topic: Malkiel's recommendations, 1990 to 2015
Replies: 40
Views: 3774

Re: Poll: Your Max. REIT Allocation

Vanguard Total World Stock Index (VTWSX/VT): 3.83%. :beer
by RyeWhiskey
Sat Jan 17, 2015 3:03 pm
 
Forum: Investing - Theory, News & General
Topic: Poll: Your Max. REIT Allocation
Replies: 54
Views: 3946

Re: Saving vs Living

Sounds like you want to head over to the Mr. Money Moustache forums. All the relevant info for living frugally, budgeting, etc... there. I suggest you make a realistic and comfortable budget, with all the necessary steps and numbers taken into account. Then go month by month and adjust it as necessa...
by RyeWhiskey
Wed Jan 14, 2015 2:14 pm
 
Forum: Personal Consumer Issues
Topic: Saving vs Living
Replies: 33
Views: 4479

Re: When your spouse isn't quite as frugal as you

The really easy way to "solve" your issue is to budget it into your finances every month. So instead of working on ways around it, budget it in: say, $20/day to start. If he spends less than this normally then reduce the budget, more, then increase it. Then this money will be accounted for...
by RyeWhiskey
Wed Jan 14, 2015 2:09 pm
 
Forum: Personal Finance (Not Investing)
Topic: When your spouse isn't quite as frugal as you
Replies: 94
Views: 8571

Re: Doing my taxes by hand

OP here. Thanks everyone for the feedback. For reference, I want to do my taxes 'by hand' (a term most contentious it seems) in order to understand what's actually going on with a large part of my finances. I figure that it's easier to do it when one is young and will be immensely helpful over the c...
by RyeWhiskey
Tue Jan 13, 2015 2:40 pm
 
Forum: Personal Finance (Not Investing)
Topic: Doing my taxes by hand
Replies: 64
Views: 4708

Doing my taxes by hand

Hello folks, This year I shall do my taxes by hand, however, I seek a small amount of hand holding (see what I did there?) at the moment. I have saved all the appropriate documents and stored them in one place. I believe I will need a 1040. For reference, I intend to claim the following Federal dedu...
by RyeWhiskey
Sun Jan 11, 2015 2:42 pm
 
Forum: Personal Finance (Not Investing)
Topic: Doing my taxes by hand
Replies: 64
Views: 4708

Re: BOA HSA -- No fees but can't invest the first $1,000

Why not consider it a level of your emergency fund?
by RyeWhiskey
Tue Jan 06, 2015 2:08 pm
 
Forum: Investing - Help with Personal Investments
Topic: [BOA HSA -- No fees but can't invest the first $1,000]
Replies: 7
Views: 926

Re: larry portfolio vs 3 fund portfolio last 2 years

Just keep in mind that while they may have had the same average annual return in backtesting over an extended course of time, it does not follow that they will have the same average annual return year in and year out. :beer
by RyeWhiskey
Tue Jan 06, 2015 2:05 pm
 
Forum: Investing - Theory, News & General
Topic: larry portfolio vs 3 fund portfolio last 2 years
Replies: 16
Views: 2554

Re: Let's Celebtate! Which funds are you buying in 2015?

Just made my Roth contribution in Vanguard Total World Stock Index as per IPS. :beer
by RyeWhiskey
Tue Jan 06, 2015 2:01 pm
 
Forum: Investing - Theory, News & General
Topic: Let's Celebrate! Which funds are you buying in 2015?
Replies: 48
Views: 3579

Re: Bond fund

Splitting one's total bond allocation in half for corporates is effectively reaching for yield. So unless your annual income is dependent upon your bond holdings and their dividends, I wouldn't complicate things. :beer
by RyeWhiskey
Wed Dec 31, 2014 2:20 pm
 
Forum: Investing - Help with Personal Investments
Topic: Bond fund
Replies: 5
Views: 534

Re: Looking to get Boggled

If you cannot find this important information after digging, you need to call whoever is in charge of your account and demand those answers. :beer
by RyeWhiskey
Wed Dec 31, 2014 2:18 pm
 
Forum: Investing - Help with Personal Investments
Topic: Looking to get Boggled
Replies: 8
Views: 832

Re: Paul Merriman takes John Bogles $5.00 Bet!

I'll wager an endorsement in my signature on this website that the Vanguard Total World Stock Market Index ETF outperforms Merriman's 11 fund portfolio, after costs, over the course of my lifetime. I'm 28 and currently my allocation is 100% VT/VTWSX. I have no idea why one would complicate one's inv...
by RyeWhiskey
Wed Dec 31, 2014 2:03 pm
 
Forum: Investing - Theory, News & General
Topic: Paul Merriman takes John Bogles $5.00 Bet!
Replies: 61
Views: 7321

Re: Stoock/Bond allocation based on assets?

You may be inclined to look very closely at Target Retirement Funds which change the allocation of the assets within over time, moving from more aggressive allocations (more stocks) to more conservative allocations (more bonds, TIPS) as the individual owning the fund gains age. You could do this to ...
by RyeWhiskey
Sat Dec 27, 2014 2:40 pm
 
Forum: Investing - Help with Personal Investments
Topic: Stoock/Bond allocation based on assets?
Replies: 4
Views: 353

Re: VTINX fund vs VWIAX fund [Target Retirement vs. Wellesle

Would a 50/50 % split between the two funds be a reasonable option? In some senses yes, in others no. You need to look at your portfolio as a whole: what it consists of, at what cost, and how long you want to hold it for. A 50/50 split between these two funds is basically a double bet on large cap ...
by RyeWhiskey
Sat Dec 27, 2014 2:35 pm
 
Forum: Investing - Help with Personal Investments
Topic: VTINX fund vs VWIAX fund [Target Retirement vs. Wellesley]
Replies: 12
Views: 1592

Re: Corperate Bonds vs Muni Bonds (for short term Roth accou

Is it that you are not permitted to or just that it doesn't make sense? Gill It doesn't make sense. Municipal bonds are free from federal taxation and, depending upon whether or not you live in the state in question, free from local taxes as well. Given that a Roth is a tax shelter, sheltering asse...
by RyeWhiskey
Wed Dec 24, 2014 8:14 pm
 
Forum: Investing - Help with Personal Investments
Topic: Corperate Bonds vs Muni Bonds (for short term Roth account)
Replies: 10
Views: 1271

Re: Vanguard's economic and investment outlook [2015]

Given the predicted low inflation environment (with deflationary pressures rising in Europe) over the next decade or so, how do folks feel about EE-bonds as a 20 year investment guaranteeing a 3.53% annualized return? It depends on whether or not you want to have that bond mature in 20 years. For m...
by RyeWhiskey
Sat Dec 20, 2014 12:27 pm
 
Forum: Investing - Theory, News & General
Topic: Vanguard's economic and investment outlook [2015]
Replies: 21
Views: 3100

Re: Most/Least Boglehead 2014 Activity?

Least: Bought some individual stocks with a tiny, tiny, amount of money. Read financial headlines. Paid attention to the noise regarding these individual stocks. Most: Saved ~40% of my meager income. Will have maxed my Roth for yet another year and this year I managed to save enough to start a taxab...
by RyeWhiskey
Sat Dec 20, 2014 12:18 pm
 
Forum: Personal Finance (Not Investing)
Topic: Most/Least Boglehead 2014 Activity?
Replies: 93
Views: 9438

Re: Active or Not, I Love Wellington

Wellington, and Wellesley for that matter, are terrific funds and excellent single choices for people who have limited options or desire the idea of having a manager try their best on their behalf. Bogleheads probably won't end up under either of these rubrics but it doesn't mean there isn't a place...
by RyeWhiskey
Sat Dec 20, 2014 12:14 pm
 
Forum: Investing - Theory, News & General
Topic: Active or Not, I Love Wellington
Replies: 82
Views: 9217

Re: handling large market drops

Since I'm investing for the long term I like to keep my money in the market as much as possible rather than have cash sitting around waiting (who knows how long you'll have to wait?). This said, I have recently decided to invest a set amount for each 5% drop in the market (the total world market, th...
by RyeWhiskey
Sat Dec 20, 2014 12:03 pm
 
Forum: Investing - Theory, News & General
Topic: handling large market drops
Replies: 17
Views: 1813

Re: Would you invest $2500 or ?

Nope. If his skills are in demand, as you claim, then he can find work without the 'tools.' Now, if he's working for six months and clean then yes, I'd buy him some tools assuming that I can afford it but he needs to demonstrate that a) he's clean (which he's done), and b) he's working. If both thes...
by RyeWhiskey
Tue Dec 16, 2014 1:35 pm
 
Forum: Personal Consumer Issues
Topic: Would you invest $2500 or ?
Replies: 21
Views: 1694

Re: Why Vanguard Total Stock Market isn’t the best fund

You're absolutely right that it is not the best fund. The best fund is the Vanguard Total World Market Index, which is vastly more diversified. :beer
by RyeWhiskey
Thu Dec 11, 2014 1:20 pm
 
Forum: Investing - Theory, News & General
Topic: 10 Reasons why Merriman dislikes Total Stock Mkt
Replies: 155
Views: 29521

Re: Bogle Advises Investing No More Than 20% Outside U.S.

Since I only hold one equity fund, the Total World Stock Index, my current allocation to international is... 47.87%. :wink:
by RyeWhiskey
Sun Dec 07, 2014 4:34 pm
 
Forum: Investing - Theory, News & General
Topic: Bogle Advises Investing No More Than 20% Outside U.S.
Replies: 106
Views: 13170

Re: Start saving for House downpayment using Wellesley?

There are two camps to the emergency fund / short-mid term savings debate: - Keep necessary funds in 'safe' investments (bank accounts, CDs, I-Bonds, short term treasuries). - Invest these funds in a mixed-allocation fund but "overfund" the account to cope with potential losses. With this ...
by RyeWhiskey
Sun Dec 07, 2014 4:14 pm
 
Forum: Investing - Help with Personal Investments
Topic: Start saving for House downpayment using Wellesley?
Replies: 35
Views: 3231

Re: Vanguard Turbo Tax prices anounced

I'm planning on doing my taxes by hand in 2015 thanks to a BH post from some time back in which a member commented on how much you learn about your money when you do your taxes by hand. This said, I'll tell my girlfriend about the discounted price and Taxact as well. :beer
by RyeWhiskey
Sat Dec 06, 2014 2:42 pm
 
Forum: Personal Finance (Not Investing)
Topic: Vanguard Turbo Tax prices anounced
Replies: 86
Views: 13956

Re: Vanguard Extended Market vs Vanguard Small Cap

Indeed, what matters most is your commitment to holding either fund for the long term. Is there a particular reason why you want to hold the S&P & extended market as opposed to the Total Market Index? And in the same vein, is there a particular reason why you want to slice and dice rather th...
by RyeWhiskey
Sat Dec 06, 2014 2:35 pm
 
Forum: Investing - Help with Personal Investments
Topic: Vanguard Extended Market vs Vanguard Small Cap
Replies: 12
Views: 941

Re: Oil / Energy ETFs

Many energy and oil ETFs are down significantly. What are the arguments against buying an oil ETF now, on the premise that it's currently cheap? The answer is the same as it ever was: if you're speculating (on oil prices, valuations, whatever) then sure, buy away. But only do so with money that you...
by RyeWhiskey
Sat Nov 29, 2014 7:07 pm
 
Forum: Investing - Theory, News & General
Topic: Oil / Energy ETFs
Replies: 58
Views: 4453

Re: Rebalancing quarterly beats yearly, monthly, or never

The take away from the whole rebalancing dilemma is quite simple: do whatever is simplest and makes the most sense to you and stick with it. :sharebeer
by RyeWhiskey
Tue Nov 11, 2014 12:17 pm
 
Forum: Investing - Theory, News & General
Topic: Rebalancing quarterly beats yearly, monthly, or never
Replies: 11
Views: 1198

Re: Savings rate of -2% for those under 35 - WSJ

I'm 28 and just recently started grad school so I took out 20.5k in loans. I had previously paid off all my undergrad debt about four years back. At the moment, I save approximately 50% of my income which varies greatly from month to month (I work as a waiter). This said, none of my friends and coll...
by RyeWhiskey
Tue Nov 11, 2014 12:11 pm
 
Forum: Personal Finance (Not Investing)
Topic: Savings rate of -2% for those under 35 - WSJ
Replies: 69
Views: 4963

Re: Thinking about buying an individual stock NSC

Obviously you should purchase the single stock to get the certificate and hang it on your wall or whatever. This goes without saying. Just buy it and be done. It's not an investment here, it's a collectible and has sentimental value. As for the the other questions regarding 5% of your allocation, th...
by RyeWhiskey
Sat Nov 08, 2014 1:18 pm
 
Forum: Investing - Theory, News & General
Topic: Thinking about buying an individual stock NSC
Replies: 56
Views: 5172

Re: Asset Allocation by Roger Gibson

This looks like a pretty straightforward argument for the Permanent Portfolio, although perhaps a bit more diverse. :beer
by RyeWhiskey
Tue Oct 28, 2014 3:42 pm
 
Forum: Investing - Theory, News & General
Topic: Asset Allocation by Roger Gibson
Replies: 21
Views: 3072

Re: First Attempt at Posting my Portfolio for review

You have received good answers and advice regarding your questions. I'm just going to take a quick shot at simplifying your account situation. TAXABLES 12.1% Ally Bank On-line Savings @.87% 1.7% Savings Account 10.7% Amgen stock that is mostly gains 2.8% Disney stock that is mostly gains 4.9% T.Rowe...
by RyeWhiskey
Mon Oct 27, 2014 4:47 pm
 
Forum: Investing - Help with Personal Investments
Topic: First Attempt at Posting my Portfolio for review
Replies: 17
Views: 2470

Re: Vanguard Balanced Index vs. Vanguard Lifestrategy Modera

50 years is far too long to hold 40% in bonds. 100% Total World Stock Index and forget it. Then, perhaps in 30 years, you can start buying into what hopefully will exist then: a Total World Bond Fund, and use new contributions to bring your allocation into a desired balance.
by RyeWhiskey
Sun Oct 19, 2014 2:50 pm
 
Forum: Investing - Help with Personal Investments
Topic: Vanguard Balanced Index vs. Vanguard Lifestrategy Moderate
Replies: 17
Views: 2608

Re: Bogleheads.org android / iphone app

Wouldn't an easier option simply be to make the site work with Tapatalk?
by RyeWhiskey
Tue Sep 23, 2014 11:53 pm
 
Forum: Forum Issues and Administration
Topic: Bogleheads.org android / iphone app
Replies: 23
Views: 3059

Re: Which house to buy?

The better decision is the one you clearly like more and will have more emotional interest in maintaining, enjoying, and supporting. House B seems to be the option. :beer
by RyeWhiskey
Tue Sep 23, 2014 11:52 pm
 
Forum: Personal Finance (Not Investing)
Topic: Which house to buy?
Replies: 16
Views: 1453

Re: After Roth IRA : Next Step In Investing

Do you have a high deductible medical plan? If so, an HSA is definitely what you're looking for as far as additional tax shelters. Look it up in the wiki here. Otherwise, I'd open a taxable account at Vanguard and buy only the Total World Market Index (VTWSX/VT). Move the funds within the Roth to th...
by RyeWhiskey
Tue Sep 16, 2014 12:35 pm
 
Forum: Investing - Help with Personal Investments
Topic: After Roth IRA : Next Step In Investing
Replies: 7
Views: 455

Re: How well do you understand retirement finance?

Voted some idea about IRA/401k. I don't know very much about SS at all but, then again, I'm 28. I think it would be interesting to have this poll, assuming it is well attended, coupled with an age poll as I imagine folks 50+ would have a much better understanding of SS then myself. :beer
by RyeWhiskey
Thu Sep 11, 2014 10:57 am
 
Forum: Personal Finance (Not Investing)
Topic: How well do you understand SS and tax-deferral issues?
Replies: 16
Views: 876

Re: Low Income Investor (Tax Concerns)

Thanks again, everyone. From what I have gathered in reading the replies, I need to a) consider starting with a Roth IRA right now, and 2) look at the S&P 500 vs. Total Stock Market index. I am pretty much sold now on starting with the Roth IRA, especially knowing that I can go up to Admiral Sh...
by RyeWhiskey
Thu Sep 11, 2014 10:53 am
 
Forum: Investing - Help with Personal Investments
Topic: Low Income Investor (Tax Concerns)
Replies: 31
Views: 2000

Re: Please Help: I am eligible to participate in my first 40

^ What was just said is correct. Read it again. :sharebeer
by RyeWhiskey
Sat Sep 06, 2014 5:24 pm
 
Forum: Investing - Help with Personal Investments
Topic: Please Help: I am eligible to participate in my first 401K.
Replies: 16
Views: 1691

Re: Putting it all in VAIPX?

How safe is VAIPX in regard to interest rate risks? Vanguard Inflation-Protected Securities Admiral Shares (VAIPX) has a duration of 7.92 years. This means that for every 1% rise in interest rates it will lose approximately 8% of its NAV (net asset value). So, to answer your question, it is quite s...
by RyeWhiskey
Sat Sep 06, 2014 5:21 pm
 
Forum: Investing - Theory, News & General
Topic: Putting it all in VAIPX?
Replies: 6
Views: 643

Re: Best broker to build 3-fund portfolio?

I've been lurking on this site for a little while, and have learned a lot, thank-you all who contribute. I currently have a solid Roth 401k through my employer, but I also want the ability to handle *some* of my own investments completely separate going forward. I will center my portfolio around th...
by RyeWhiskey
Sun Aug 31, 2014 10:42 pm
 
Forum: Investing - Help with Personal Investments
Topic: Best broker to build 3-fund portfolio?
Replies: 16
Views: 1884

Re: Property or stock?

I'm 28 and I'd do:
15k to pay off the loans
5.5k in the Roth
10k for an emergency fund
= 19.5k remaining.

This leaves you debt free and with a suitable emergency fund. Invest the 19.5k as a starter fund for a down payment at a later point. :beer
by RyeWhiskey
Sun Aug 31, 2014 10:37 pm
 
Forum: Investing - Help with Personal Investments
Topic: Property or stock?
Replies: 24
Views: 2453

Re: Why is my 401k and taxable considered "One Portfolio"?

Theoretical question: Each account has different investment goals (retirement vs. 15yr wealth accumulation).... Shouldn't they thus have different AA's? Practical question: My 401k and taxable has equal balances ($200k each). If I truly follow Boglehead principles, and want 30% international exposu...
by RyeWhiskey
Sat Aug 30, 2014 12:36 pm
 
Forum: Investing - Theory, News & General
Topic: Why is my 401k and taxable considered "One Portfolio"?
Replies: 37
Views: 3171

Re: When to invest in China?

TISM has 3.9% China holdings. TWSM has 2% China holdings. If you want to speculate on Chinese businesses, do so, but only with less than 5% of your total portfolio and with money you can afford to lose. For the rest, accept that as Chinese businesses are successful and occupy more of the market cap ...
by RyeWhiskey
Sat Aug 30, 2014 12:26 pm
 
Forum: Investing - Theory, News & General
Topic: When to invest in China?
Replies: 51
Views: 3167

Re: Why do we tip restaurant servers?

I work as a server in fine dining for a living. 95% of my income comes from tips. In fact, some weeks I get a paycheck of $0.00 as the taxes on my tips are taken out of my wages reducing them to zero. In short, you tip your server because the system (for good or bad) is set up in such a manner that ...
by RyeWhiskey
Fri Aug 22, 2014 4:02 pm
 
Forum: Personal Consumer Issues
Topic: Why do we tip restaurant servers?
Replies: 44
Views: 2450

Re: A question about Sherry

Sherry, like port, is a fortified wine. Regular wine ought not be exposed to oxygen until one is ready to consume it and then it ought be exposed for anywhere from 5 minutes to 3 hours depending upon the wine. Many sherries, on the other hand, are already partly oxidized and hence they do not 'suffe...
by RyeWhiskey
Fri Aug 22, 2014 3:58 pm
 
Forum: Personal Consumer Issues
Topic: A question about Sherry
Replies: 13
Views: 1342

Re: To be truly rich, take stock of your life before investi

It seems that to say you want to be "rich" is viewed as a negative thing. I mentioned investing as a way to gain wealth on a popular vacation spot and somehow in the minds of others, it translating into me being some money hungry, possession craving person who neglects their family in the...
by RyeWhiskey
Wed Aug 20, 2014 11:57 am
 
Forum: Investing - Theory, News & General
Topic: To be truly rich, take stock of your life before investing
Replies: 30
Views: 4686

Re: New iShares Global REIT ETF

VEET: 238 holdings; 62% US, the rest in UK, Australia, Japan, Canada, France, and a couple others. On the other hand Vanguard's REIT Index has 138 holdings, and their Ex-US REIT Index has 532 holdings with a much larger percentage of emerging markets. I think REET would make a good choice for many p...
by RyeWhiskey
Mon Aug 18, 2014 7:25 pm
 
Forum: Investing - Theory, News & General
Topic: New iShares Global REIT ETF
Replies: 5
Views: 670

Re: Safety of Finance Apps

Consider this important difference between apps like PersonalFinance and apps like SigFig. The former allow you to actually move money in the app (liability) while the latter do not - they are 'view only' apps. I use the latter for this simple reason. :beer
by RyeWhiskey
Mon Aug 18, 2014 7:09 pm
 
Forum: Personal Finance (Not Investing)
Topic: Safety of Finance Apps
Replies: 13
Views: 812
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