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Anyone else very reluctant to buy right now?

Based on one of Warren Buffet's favorite metrics for determining fair market value, that is total market cap vs. GDP, the market is significantly overvalued right now. Last I checked, total market cap was sitting well over 18 trillion, with GDP closer to 15 trillion. Am I alone in being extremely re...
by StophJS
Mon Apr 07, 2014 12:51 am
 
Forum: Investing - Theory, News & General
Topic: Anyone else very reluctant to buy right now?
Replies: 124
Views: 14021

Re: How do you DCA into ETFs?

Lots of good information there. Still Vanguard funds have a 3k minimum, with the Admiral shares being 10k. My only option would be the lifecycle fund, which I'm not really interested in. I like to be a little more hands on than that. On a side note, does anyone know if Vanguard would actually allow ...
by StophJS
Fri Feb 14, 2014 1:46 am
 
Forum: Investing - Help with Personal Investments
Topic: How do you DCA into ETFs?
Replies: 10
Views: 652

Re: How do you DCA into ETFs?

What is forcing you to use ETFs? Roll the whole thing over to Vanguard and use funds. I'm using ETFs in a couple of places because I either have no choice (bad 401k options, but I can buy ETFs through the self-directed brokerage) or I get something for it (WellsTrade with grandfathered free trades ...
by StophJS
Fri Feb 14, 2014 1:39 am
 
Forum: Investing - Help with Personal Investments
Topic: How do you DCA into ETFs?
Replies: 10
Views: 652

Re: How do you DCA into ETFs?

Yup, thankfully a solid 40 years to retirement. It is my only retirement account. Thanks for that advice, I hadn't really thought about it like that but you're right. That still leaves the question of how best to plan buys. Say hypothetically, investing weekly (no commission) just try to buy what's ...
by StophJS
Fri Feb 14, 2014 1:38 am
 
Forum: Investing - Help with Personal Investments
Topic: How do you DCA into ETFs?
Replies: 10
Views: 652

How do you DCA into ETFs?

My ROTH sits at 7k right now, and I plan on contributing the max this year which means 500 a month. My portfolio consists of 5 ETFs. Most of my investing has been more or less in lump sums, so I'm just seeking advice on what a good strategy would be. The low balance of the ROTH means throwing the ET...
by StophJS
Fri Feb 14, 2014 1:17 am
 
Forum: Investing - Help with Personal Investments
Topic: How do you DCA into ETFs?
Replies: 10
Views: 652

Need help with my "fun money"

This is likely the wrong place to asking about this it doesn't exactly adhere to the boglehead philosophy, but it concerns a very small part of my portfolio so I thought I'd ask just the same. I currently have about 100k in a brokerage account, invested in the whole market and total bond. I plan on ...
by StophJS
Tue Jun 25, 2013 11:44 pm
 
Forum: Investing - Help with Personal Investments
Topic: Need help with my "fun money"
Replies: 17
Views: 1332

Re: Considering IRA rollover - some questions

Thanks everyone for the input. Another question comes to mind for me: What would the prudent thing to do with his 401k contributions throughout the year? Continue pouring it into the fund I mentioned before? When a rollover takes place, do assets transfer or are they sold and cash transferred into t...
by StophJS
Fri Feb 15, 2013 5:44 pm
 
Forum: Investing - Help with Personal Investments
Topic: Considering IRA rollover - some questions
Replies: 8
Views: 359

Re: Considering IRA rollover - some questions

Sorry, the net expense ratio appears to be .49%, so pretty lousy for an index fund like that.
by StophJS
Fri Feb 15, 2013 1:59 pm
 
Forum: Investing - Help with Personal Investments
Topic: Considering IRA rollover - some questions
Replies: 8
Views: 359

Considering IRA rollover - some questions

This question is actually on behalf of my father. Here are the details. My father is 62 years old. He has his 401k with a company called mass mutual, and the full value (approximately 100k) in Wells Fargo Advantage Dow Jones Target 2015 Fund (WFSCX). He would like to roll this all over to Vanguard f...
by StophJS
Fri Feb 15, 2013 1:50 pm
 
Forum: Investing - Help with Personal Investments
Topic: Considering IRA rollover - some questions
Replies: 8
Views: 359

Advice for first credit card

Hey all, I was hoping to get some advice on a good first credit card. I found a couple previous threads, but they were fairly old. I don't trust most of what I find via google, because I figure most of what can be found there is really just advertisement masquerading as something else. I'm a 24 year...
by StophJS
Wed Jan 23, 2013 7:23 pm
 
Forum: Personal Finance (Not Investing)
Topic: Advice for first credit card
Replies: 16
Views: 936

Re: Investing large sums at market high

Don't think of it as a 5-year high. Instead, think of it as "Wow, I can invest at the same lower levels of 5 years ago!. What an Opportunity to be able to invest with a Time Machine." We have had a few threads on opportunistic DCA recently, so get going. Interesting... to be honest I neve...
by StophJS
Sat Jan 19, 2013 11:08 am
 
Forum: Investing - Help with Personal Investments
Topic: Investing large sums at market high
Replies: 75
Views: 6359

Re: Investing large sums at market high

A question to ponder: If you can't stomach placing an investment at a market high, would you also plan on taking your money out of the market if it were all in and you thought you saw a market high? How have you arrived at your assessment of how much risk you can tolerate? Also, when you say market...
by StophJS
Sat Jan 19, 2013 11:07 am
 
Forum: Investing - Help with Personal Investments
Topic: Investing large sums at market high
Replies: 75
Views: 6359

Investing large sums at market high

I realize this is fairly unbogleheadish, but I would like some boglehead input on this subject. I am establishing a portfolio of admiral shares funds, but simply cannot bring myself to pull the trigger when the market is at a five year high. One option I've considered is to just go ahead and invest ...
by StophJS
Sat Jan 19, 2013 10:54 am
 
Forum: Investing - Help with Personal Investments
Topic: Investing large sums at market high
Replies: 75
Views: 6359

Re: What was your most Non-Boglehead-like move?

Waiting right now for the markets to fall again before I establish positions in admiral shares funds.
by StophJS
Wed Jan 09, 2013 12:35 am
 
Forum: Personal Consumer Issues
Topic: What was your most Non-Boglehead-like move?
Replies: 29
Views: 2264

Re: Tilting in taxable - seeking advice

Oh, I forgot to link you to this - very handy tool for comparing different types of bond funds, taxation-wise: https://personal.vanguard.com/us/FundsTaxEquivForYield - you can run the numbers on your options. Personally, I see munis as being worthwhile in taxable for most brackets, but to each thei...
by StophJS
Fri Dec 28, 2012 9:59 pm
 
Forum: Investing - Help with Personal Investments
Topic: Tilting in taxable - seeking advice
Replies: 13
Views: 1250

Re: Tilting in taxable - seeking advice

Thanks everyone for the additional input. As far as the municipal bonds, my parents are actually in the 25% tax bracket so in my understanding municipal bonds aren't really ideal. My parents aren't huge earners, but they received a significant windfall through inheritance and that's where this mone...
by StophJS
Fri Dec 28, 2012 9:23 pm
 
Forum: Investing - Help with Personal Investments
Topic: Tilting in taxable - seeking advice
Replies: 13
Views: 1250

Re: Tilting in taxable - seeking advice

Thanks everyone for the additional input. As far as the municipal bonds, my parents are actually in the 25% tax bracket so in my understanding municipal bonds aren't really ideal. My parents aren't huge earners, but they received a significant windfall through inheritance and that's where this money...
by StophJS
Fri Dec 28, 2012 2:42 am
 
Forum: Investing - Help with Personal Investments
Topic: Tilting in taxable - seeking advice
Replies: 13
Views: 1250

Re: Tilting in taxable - seeking advice

Why don't you tilt heavily in your tax advantaged accounts, and don't tilt at all in your taxed accounts. That's what most tilters do. You insist this is a stand-alone portfolio, but you provide no evidence why this portfolio should stand alone. I'm far from an investing expert Then maybe your reas...
by StophJS
Thu Dec 27, 2012 10:41 am
 
Forum: Investing - Help with Personal Investments
Topic: Tilting in taxable - seeking advice
Replies: 13
Views: 1250

Tilting in taxable - seeking advice

I've been researching and preparing to invest a fairly large sum of money for several weeks now, and have recently become stuck on the question of whether or not to slice and dice in a taxable account with regards to tax implications. I'm drawn to the idea of trying to tilt toward value and small ca...
by StophJS
Thu Dec 27, 2012 2:36 am
 
Forum: Investing - Help with Personal Investments
Topic: Tilting in taxable - seeking advice
Replies: 13
Views: 1250

Re: Calculating taxes on dividends from mixed bond funds?

Thanks. I'm new to taxable investing so I wasn't totally sure what kind of records would be provided by Vanguard.
by StophJS
Wed Dec 26, 2012 7:33 am
 
Forum: Investing - Theory, News & General
Topic: Calculating taxes on dividends from mixed bond funds?
Replies: 3
Views: 222

Calculating taxes on dividends from mixed bond funds?

This might be a fairly basic question. I wasn't able to find the information online, so I thought 'd ask here. If I hold a bond fund such as Vanguard Total Bond Market, which holds bonds with different tax implications (i.e. treasury vs. corporate), what does this mean at tax time when you have sing...
by StophJS
Wed Dec 26, 2012 5:58 am
 
Forum: Investing - Theory, News & General
Topic: Calculating taxes on dividends from mixed bond funds?
Replies: 3
Views: 222

Re: Vanguard Total International - No foreign tax credit?

The Vanguard Total International Stock Index Fund is a very suitable candidate for placement in taxable accounts. The fund is now more attractive as a taxable holding since it is no longer structured as a fund of funds portfolio (which is ineligible for the foreign tax credit). As a fund now direct...
by StophJS
Wed Dec 26, 2012 5:29 am
 
Forum: Investing - Help with Personal Investments
Topic: Vanguard Total International - No foreign tax credit?
Replies: 2
Views: 468

Vanguard Total International - No foreign tax credit?

I'm currently reading William Bernstein's Four Pillars of Investing, and came across a section where he states that he would avoid Vanguard Total International in a taxable account because it is a "fund of funds", and therefore doesn't qualify for the foreign dividend tax credit. Does anyo...
by StophJS
Wed Dec 26, 2012 5:17 am
 
Forum: Investing - Help with Personal Investments
Topic: Vanguard Total International - No foreign tax credit?
Replies: 2
Views: 468

Park cash in short-term bond fund?

Can anyone come up with any reason not to simply park cash in a short term bond fund as opposed to a savings account? Obviously it means a bit more effort at tax time, but it seems an extremely safe way to get a decent yield on savings without tying it up and subjecting it to significant NAV volatil...
by StophJS
Sat Dec 22, 2012 4:37 am
 
Forum: Investing - Theory, News & General
Topic: Park cash in short-term bond fund?
Replies: 27
Views: 3408

Re: Tax-managed SC vs. regular irrelevant in new year?

Thanks. As always, just the right search would have yielded some relevant results.
by StophJS
Sun Dec 16, 2012 3:11 am
 
Forum: Investing - Theory, News & General
Topic: Tax-managed SC vs. regular irrelevant in new year?
Replies: 3
Views: 455

Tax-managed SC vs. regular irrelevant in new year?

I hope this post isn't perceived as speculation about future legislation by the mods. I am assuming the current tax changes of 2013 that are on the books will remain as such. I think it's fairly obvious that there were considerable tax advantages to buying VTMSX (Tax-managed Small cap) vs VSMAX (Sma...
by StophJS
Sat Dec 15, 2012 7:46 am
 
Forum: Investing - Theory, News & General
Topic: Tax-managed SC vs. regular irrelevant in new year?
Replies: 3
Views: 455

Re: Worth tilting "No-Brainer" toward value, EM, or Intl SC?

I think you should take your time either way. You really do not want to implement investing strategy 1 only to have buyers remorse, continued second guessing and then you abandon strategy 1 for your new darling, strategy 2. I think you need to keep pondering, reading, and asking questions until you...
by StophJS
Fri Dec 14, 2012 12:53 pm
 
Forum: Investing - Help with Personal Investments
Topic: Worth tilting "No-Brainer" toward value, EM, or Intl SC?
Replies: 12
Views: 777

Re: Worth tilting "No-Brainer" toward value, EM, or Intl SC?

livesoft wrote:For relative newcomers to the forum, here's stlutz's thread where it is explained why one really needs to tilt to value:
The Final, Definitive Thead on Value


Thanks for posting that link :beer. I'll be sure to check it out when it isn't one in the morning.
by StophJS
Fri Dec 14, 2012 12:48 pm
 
Forum: Investing - Help with Personal Investments
Topic: Worth tilting "No-Brainer" toward value, EM, or Intl SC?
Replies: 12
Views: 777

Re: Worth tilting "No-Brainer" toward value, EM, or Intl SC?

For those who don't know, which would for example include me before I looked up VB, adding Vanguard names , this is: 25% VOO, Vanguard S&P 500 ETF 25% VB, Vanguard Small-Cap ETF 25% VXUS, Vanguard Total International Stock ETF 25% BND, Vanguard Total Bond Market ETF. Random thought #1. This isn...
by StophJS
Fri Dec 14, 2012 12:46 pm
 
Forum: Investing - Help with Personal Investments
Topic: Worth tilting "No-Brainer" toward value, EM, or Intl SC?
Replies: 12
Views: 777

Worth tilting "No-Brainer" toward value, EM, or Intl SC?

I'm hoping to get a little further advice on a portfolio I'm establishing. I know I've posted several threads recently which might be an annoyance, but I greatly appreciate all the advice. I have all but settled on the Admiral Shares version of William Berstein's "No-Brainer" ETF portfolio...
by StophJS
Fri Dec 14, 2012 6:21 am
 
Forum: Investing - Help with Personal Investments
Topic: Worth tilting "No-Brainer" toward value, EM, or Intl SC?
Replies: 12
Views: 777

Re: 2013 - cliff - gold vs silver

I'd put all my money in unobtanium.
by StophJS
Fri Dec 14, 2012 6:08 am
 
Forum: Investing - Theory, News & General
Topic: 2013 - cliff - gold vs silver
Replies: 25
Views: 1705

The "point of indifference" on VBTLX

I'm shopping for a bond fund at the moment to hold for the long term, and am trying to balance potential returns against interest rate risk. William Bernstein refers to the average duration of a bond fund as "the point of indifference", meaning that if a bond fund has an average duration o...
by StophJS
Thu Dec 13, 2012 11:42 pm
 
Forum: Investing - Theory, News & General
Topic: The "point of indifference" on VBTLX
Replies: 22
Views: 1882

Re: Decent guitar for a beginner

It's been mentioned a few times, but I don't think lessons are by any means necessary. The guitar is a very accessible instrument; easy to learn, impossible to master. If your wife is fine with taking a little initiative she can do just as well with the right book.
by StophJS
Thu Dec 13, 2012 11:28 pm
 
Forum: Personal Consumer Issues
Topic: Decent guitar for a beginner
Replies: 48
Views: 2980

Re: Decent guitar for a beginner

You should understand that while you can't get an actual "nice guitar" for $200, you can get quite a solid one for around $500. It's likely a $200 guitar will be poorly set-up and thus difficult to play, and worst of all, it probably won't stay in tune. As far acoustic vs electric, it's tr...
by StophJS
Thu Dec 13, 2012 1:04 pm
 
Forum: Personal Consumer Issues
Topic: Decent guitar for a beginner
Replies: 48
Views: 2980

Rebalancing with MFs vs. ETFs

Hi all, Just looking for some quick input on this subject. I've been looking around and reading quite a bit, but haven't learned enough to comfortably settle on which vehicle to use go for a passive, long-term portfolio I'm establishing. By all accounts, it seems to be somewhat of a wash between Adm...
by StophJS
Thu Dec 13, 2012 12:05 pm
 
Forum: Investing - Help with Personal Investments
Topic: Rebalancing with MFs vs. ETFs
Replies: 9
Views: 640

Re: If you had 100k to invest for 25 years...

Jerilynn wrote:makes sense. One question, if the portfolio takes a huge hit, will someone want to sell it?


They will defer to me on those decisions I think. Unless its absolutely necessary to sell when the market is down to cover expenses of some sort, my father and siblings will be willing to wait it out.
by StophJS
Thu Dec 13, 2012 12:51 am
 
Forum: Investing - Help with Personal Investments
Topic: If you had 100k to invest for 25 years...
Replies: 41
Views: 5120

Re: Pay Down Student Loan vs. Invest in Taxable?

I'm sure there are calculations and predictions to be made, and it might mean a bit better returns to invest, but I would pay down the loan. I paid off my student loans very quickly, and it's a great feeling to be free of them.

Also, physicians are notoriously lousy investors :wink:
by StophJS
Thu Dec 13, 2012 12:17 am
 
Forum: Personal Finance (Not Investing)
Topic: Pay Down Student Loan vs. Invest in Taxable?
Replies: 23
Views: 3114

Re: Seeking advice on possible trust account for children

I do not see that the father wants to give it away now. Rather he wants to "grow it" for the kids down the road. ^This is the idea. Seeing as the trust option seemed unnecessary, my father has simply created a brokerage account at Vanguard with him and my mother as joint owners. Gifts can...
by StophJS
Thu Dec 13, 2012 12:10 am
 
Forum: Personal Finance (Not Investing)
Topic: Seeking advice on possible trust account for children
Replies: 41
Views: 2046

Re: If you had 100k to invest for 25 years...

See. The plot thickens!!!!!!! :happy Every situation is different. This should be interesting. ..... :twisted: So... $100k that you dad thinks.... today... that he won't need in his lifetime. Hmm. What if he's wrong? What's your dad's financial situation like? IMHO... the best answer is that your d...
by StophJS
Wed Dec 12, 2012 11:44 pm
 
Forum: Investing - Help with Personal Investments
Topic: If you had 100k to invest for 25 years...
Replies: 41
Views: 5120

Re: If you had 100k to invest for 25 years...

Thanks everyone for all the further suggestions. In regards to what the nature of this investment really is in terms of goals, etc., it's kind of a strange case. Essentially, my father is well off enough that he's allocated 100k to be invested with the horizon and risk tolerance of my siblings and I...
by StophJS
Wed Dec 12, 2012 11:07 pm
 
Forum: Investing - Help with Personal Investments
Topic: If you had 100k to invest for 25 years...
Replies: 41
Views: 5120

Re: If you had 100k to invest for 25 years...

Thanks for the suggestions so far. This is probably pretty basic stuff but is there really any reason to opt for mutual funds when comparable ETFs is available? I know this amount of cash opens up the option of admiral shares, but as far as I can tell the expense ratio at least is still about the s...
by StophJS
Wed Dec 12, 2012 2:29 am
 
Forum: Investing - Help with Personal Investments
Topic: If you had 100k to invest for 25 years...
Replies: 41
Views: 5120

Re: If you had 100k to invest for 25 years...

Thanks for the suggestions so far. This is probably pretty basic stuff but is there really any reason to opt for mutual funds when comparable ETFs is available? I know this amount of cash opens up the option of admiral shares, but as far as I can tell the expense ratio at least is still about the sa...
by StophJS
Wed Dec 12, 2012 1:30 am
 
Forum: Investing - Help with Personal Investments
Topic: If you had 100k to invest for 25 years...
Replies: 41
Views: 5120

Re: If you had 100k to invest for 25 years...

I like the idea of simplicity with just a few MFs or ETFs, but I'd certainly like to try to maximize my gains possibly by weighting toward small caps/value, etc.
by StophJS
Wed Dec 12, 2012 12:19 am
 
Forum: Investing - Help with Personal Investments
Topic: If you had 100k to invest for 25 years...
Replies: 41
Views: 5120

If you had 100k to invest for 25 years...

If you had 100,000 sitting in a taxable Vanguard brokerage account that you wanted to grow over 25 years, and that would likely never be needed in the interim, what kind of portfolio would you build? Tax-sheltered space is all being utilized.
by StophJS
Tue Dec 11, 2012 11:45 pm
 
Forum: Investing - Help with Personal Investments
Topic: If you had 100k to invest for 25 years...
Replies: 41
Views: 5120

Re: Seeking advice on possible trust account for children

Obviously OP should chime in here, but lets discuss the scenarios raised earlier earlier, but lets double or triple the amount for argument sake so that it isn't money that could easily go under the radar as part of the annual gift exclusion Scenario 1: one of the siblings is immature Scenario 2: o...
by StophJS
Tue Dec 11, 2012 2:33 am
 
Forum: Personal Finance (Not Investing)
Topic: Seeking advice on possible trust account for children
Replies: 41
Views: 2046

Re: Seeking advice on possible trust account for children

OP, you might consider him just keeping the funds in his name and investing it as you decide unless there are estate tax reasons. Rather than ETFs, where he will have to purchase with bid ask spreads and use a brokerage, why not just use Admiral Share mutual funds? Isn't this a bad idea? If he inve...
by StophJS
Mon Dec 10, 2012 11:54 pm
 
Forum: Personal Finance (Not Investing)
Topic: Seeking advice on possible trust account for children
Replies: 41
Views: 2046

Re: Seeking advice on possible trust account for children

Sorry for the delay; I'm actually in China right now so the 12 hour difference is a bit problematic for the forums. I'll try to answer the various questions. So I definitely gather there's a strong consensus that a trust isn't the way to go. I'll respond to the following questions since I believe th...
by StophJS
Mon Dec 10, 2012 11:48 pm
 
Forum: Personal Finance (Not Investing)
Topic: Seeking advice on possible trust account for children
Replies: 41
Views: 2046

Re: Seeking advice on possible trust account for children

that sounds like a solution looking for a problem. What's wrong with TheGreyingDuke's suggestion: $52,000 can be distributed to you, your spouse, and your 2 siblings immediately; and another $56,000 on January 1. Why not let each individual invest his own money? It's enough money that any one of yo...
by StophJS
Mon Dec 10, 2012 11:28 am
 
Forum: Personal Finance (Not Investing)
Topic: Seeking advice on possible trust account for children
Replies: 41
Views: 2046

Re: Seeking advice on possible trust account for children

If a trust is not called for, father can simply gift you each $13000 a year and by January 2 $78000 of the $100000 would be dispersed. If Father has a spouse, the spouse can also donate a similar amount to each of you both in 2012 and 2013 and the $100000 will have been fully distributed. Thanks fo...
by StophJS
Mon Dec 10, 2012 10:56 am
 
Forum: Personal Finance (Not Investing)
Topic: Seeking advice on possible trust account for children
Replies: 41
Views: 2046

Re: Seeking advice on possible trust account for children

What kind of a trust? You actually have to form the trust before you can open an account as a trust. Ok so that's the first question I suppose. We are all a bit clueless when it comes to trusts. I've tried to find information on it online but hat haven't been able to get a clear picture of what to ...
by StophJS
Mon Dec 10, 2012 7:25 am
 
Forum: Personal Finance (Not Investing)
Topic: Seeking advice on possible trust account for children
Replies: 41
Views: 2046
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