Search found 773 matches

by feh
Fri Aug 28, 2015 11:37 am
Forum: Investing - Help with Personal Investments
Topic: ok to place a market order for VEU?
Replies: 20
Views: 448

Re: ok to place a market order for VEU?

livesoft wrote:I think selling on Friday and buying on Monday is bad because lots of things can happen over the weekend. I would sell FSGDX on Monday and buy on Tuesday.


That's exactly what I plan to do.
by feh
Fri Aug 28, 2015 11:29 am
Forum: Investing - Help with Personal Investments
Topic: ok to place a market order for VEU?
Replies: 20
Views: 448

Re: ok to place a market order for VEU?

why can't you sell and buy the same day? If you call Fidelity they might allow you to do this. I did same with Vanguard a few years back Yes, that is an option at Fidelity, if you call them. However, I'd be buying VEU immediately, without knowing what the sale price of FSGDX would be at the end of ...
by feh
Fri Aug 28, 2015 10:59 am
Forum: Investing - Help with Personal Investments
Topic: ok to place a market order for VEU?
Replies: 20
Views: 448

Re: ok to place a market order for VEU?

Thanks everybody. I'm going to place a single limit order and let Fidelity handle the details.
by feh
Fri Aug 28, 2015 10:42 am
Forum: Investing - Help with Personal Investments
Topic: ok to place a market order for VEU?
Replies: 20
Views: 448

Re: ok to place a market order for VEU?

livesoft wrote:As for this past Monday's volatility, I didn't see anybody complaining about buying ETFs 10% to 30% below the prices of later in the day.


Right; is a market order something I need to worry about, given that I'm buying and not selling?
by feh
Fri Aug 28, 2015 10:31 am
Forum: Investing - Help with Personal Investments
Topic: ok to place a market order for VEU?
Replies: 20
Views: 448

Re: ok to place a market order for VEU?

livesoft wrote:Who is your broker? Are your trades free?


Fidelity. Transaction cost will be $8.
by feh
Fri Aug 28, 2015 10:20 am
Forum: Investing - Help with Personal Investments
Topic: ok to place a market order for VEU?
Replies: 20
Views: 448

Re: ok to place a market order for VEU?

It might be safe and it might not be. I wrote a couple days ago about placing a market order to SELL about 5 minutes before the market opened and I got the BEST price of the day at the so-called opening cross: https://www.bogleheads.org/forum/viewtopic.php?p=2600976#p2600976 I think it is OK to pla...
by feh
Fri Aug 28, 2015 10:07 am
Forum: Investing - Help with Personal Investments
Topic: ok to place a market order for VEU?
Replies: 20
Views: 448

Re: ok to place a market order for VEU?

Thanks everybody. Message received.
by feh
Fri Aug 28, 2015 9:50 am
Forum: Investing - Help with Personal Investments
Topic: ok to place a market order for VEU?
Replies: 20
Views: 448

ok to place a market order for VEU?

VEU is Vanguard's ETF version of VFWAX (total ex-US). I'm going to sell a mutual fund for tax loss harvesting and buy VEU w/ the proceeds the next trading day (can't buy VFWAX, so I'm using the ETF). Is it safe to place a market order to be executed first thing the next trading day, due to the shear...
by feh
Thu Aug 27, 2015 3:53 pm
Forum: Investing - Help with Personal Investments
Topic: fsgdx: tax loss harvest
Replies: 7
Views: 249

Re: fsgdx: tax loss harvest

indexfundfan wrote:The Fidelity fund follows an index provided by MSCI. Vanguard's international funds (including VTIAX & VFWAX) follow FTSE.


Excellent.

Can anybody explain the differences between VTIAX and VFWAX? Comparing them on M*, they seem all but identical.
by feh
Thu Aug 27, 2015 3:42 pm
Forum: Investing - Help with Personal Investments
Topic: fsgdx: tax loss harvest
Replies: 7
Views: 249

Re: fsgdx: tax loss harvest

VTIAX: The composition of the two funds are not substantially identical in my opinion. VFWAX is another choice that is even less substantially identical to the Fidelity fund. Thanks. Is anybody aware of a site that lists which benchmark a particular fund follows? In my initial searches, it's not cl...
by feh
Thu Aug 27, 2015 3:24 pm
Forum: Investing - Help with Personal Investments
Topic: fsgdx: tax loss harvest
Replies: 7
Views: 249

fsgdx: tax loss harvest

Hi folks.

Somebody want to recommend a fund (hopefully Vanguard) that I could exchange for Fidelity's FSGDX for TLHing? Obviously something that wouldn't be a wash sale?

Thanks.
by feh
Thu Aug 06, 2015 10:57 am
Forum: Investing - Theory, News & General
Topic: CDs vs. treasury bonds
Replies: 99
Views: 7034

Re: CDs vs. treasury bonds

For short term investments, I've been using CDs the last couple years. For fixed income w/ a horizon of 5+ years, I'm sticking w/ TBM.
by feh
Wed Aug 05, 2015 1:13 pm
Forum: Investing - Theory, News & General
Topic: Forbes: How much by age
Replies: 45
Views: 7987

Re: Forbes: How much by age

HomerJ wrote:Income is not the correct variable to measure...

It's expenses that matter...


+10000

I find such articles as the one in the original post R-I-D-I-C-U-L-O-U-S.
by feh
Fri Jul 31, 2015 12:03 pm
Forum: Investing - Theory, News & General
Topic: Bond Prices and Anticapted FED Increae
Replies: 5
Views: 662

Re: Bond Prices and Anticapted FED Increae

ogd wrote:The short version is that the that particular part of the consensus has been priced in long ago. The market doesn't like to wait until you hear about it.


^^^^ This.
by feh
Thu Jul 30, 2015 12:33 pm
Forum: Investing - Help with Personal Investments
Topic: Only low expense bond fund removed from 401(k)
Replies: 7
Views: 568

Re: Only low expense bond fund removed from 401(k)

Previously, my 401(k) at my current employer consisted of somewhat expensive (0.53 to 1.21%) actively managed mutual funds, along with one low expense S&P 500 fund and one low expense (closet index) TIPS fund. I was disappointed to discover this week that the TIPS fund had been removed. I'm ver...
by feh
Tue Jul 28, 2015 12:45 pm
Forum: Investing - Theory, News & General
Topic: Anyone Have a Near Retirement Strategy for Sequence of Return Risk?
Replies: 45
Views: 2718

Re: Anyone Have a Near Retirement Strategy for Sequence of Return Risk?

I plan on retiring in the next 1-2 years. To mitigate sequence of return risk, I have been gradually moving some assets from stocks to fixed income. I started at about 57% stocks and am now at 42% stocks. This is a bit of market timing; however, I have concluded it is the prudent thing to do, espec...
by feh
Tue Jul 21, 2015 11:54 am
Forum: Investing - Theory, News & General
Topic: Best Portfolio Tracker
Replies: 12
Views: 1790

Re: Best Portfolio Tracker

I've tried many, and always end up relying on M*.

OP - do a search. This topic has been discussed before.
by feh
Fri Jul 17, 2015 2:43 pm
Forum: Investing - Help with Personal Investments
Topic: Best moves for SCV tilt
Replies: 2
Views: 489

Re: Best moves for SCV tilt

Our US SCV is in VBR. Our ex-US SC(V) is in VSS and SCZ.
by feh
Wed Jul 15, 2015 1:08 pm
Forum: Personal Consumer Issues
Topic: CNBC & Fox Business Websites
Replies: 26
Views: 2957

Re: CNBC & Fox Business Websites

I visit bloomberg, marketwatch, cnbc and money.cnn.com.

Of those 4, bloomberg is the most "serious", with less click bait than the others.
by feh
Tue Jul 14, 2015 11:40 am
Forum: Investing - Theory, News & General
Topic: Whatever happened to the advocates of CDs vs Bonds?
Replies: 58
Views: 5748

Re: Whatever happened to the advocates of CDs vs Bonds?

I have a short term bucket (less than 5 years) and a long term bucket (> 5 years).

The long term bucket uses total bond for its fixed income component. The short term bucket has a combination of CDs and short term bond funds. Doesn't have to be either/or.
by feh
Thu Jul 09, 2015 4:00 pm
Forum: Personal Finance (Not Investing)
Topic: Ally Bank - New $10 ATM Fee Reimbursement Limit
Replies: 68
Views: 4828

Re: Ally Bank - New $10 ATM Fee Reimbursement Limit

tyrion wrote:Taking out money in bigger chunks sure seems a lot easier than switching banks.


+1

We use CCs as often as possible for the rewards. We get $300 in cash from an ATM maybe every couple months. I only keep about $10-40 on me; the rest sits in a drawer at home.
by feh
Tue Jul 07, 2015 12:36 pm
Forum: Investing - Theory, News & General
Topic: How aggressive are you in Taxable?
Replies: 37
Views: 3208

Re: How aggressive are you in Taxable?

Sidney wrote:I manage it all as one portfolio. All my equity is in taxable. The money doesn't know.


+1

My taxable accounts are for retirement, just as my tax-advantaged accounts are. For tax efficiency, my taxable accounts are 100% equities.
by feh
Mon Jul 06, 2015 12:49 pm
Forum: Personal Finance (Not Investing)
Topic: What age did you become debt free and what opportunities did it create?
Replies: 95
Views: 9351

Re: What age did you become debt free and what opportunities did it create?

Paid off our mortgage in our late 30s. Simply enabled us to save more for retirement.
by feh
Mon Jul 06, 2015 12:40 pm
Forum: Personal Finance (Not Investing)
Topic: Your retirement goals
Replies: 31
Views: 3679

Re: Your retirement goals

*****When do you plan on retiring (age)? Spouse too if applicable. *****What are your retirement income goals annually? *****What do you expect/plan for ss income and when do you plan on talking it(including spouses if applicable)? *****Will your home be paid off at time of retirement? 50 (52+ for ...
by feh
Thu Jul 02, 2015 2:48 pm
Forum: Personal Finance (Not Investing)
Topic: Obsessing towards zero balance on credit card.
Replies: 135
Views: 11149

Re: Obsessing towards zero balance on credit card.

packet wrote:So here're my questions for those of you who pay in full each month:
How often do you check and pay your credit card(s) in full each month?
What's your method?


I see charges daily (via mint.com).

Payment is once a month, on the due date, via automatic ACH.
by feh
Wed Jul 01, 2015 2:30 pm
Forum: Investing - Theory, News & General
Topic: TIPS - Did you give up?
Replies: 113
Views: 12162

Re: TIPS - Did you give up?

Working towards having 20% of fixed income in TIPS by retirement (probably next year).

Currently at 16%. I include I Bonds in that percentage.
by feh
Thu Jun 25, 2015 11:40 am
Forum: Personal Finance (Not Investing)
Topic: making minor changes to a will
Replies: 9
Views: 1032

Re: making minor changes to a will

Sidney wrote:
feh wrote:Thanks everybody.

First step is to read the will, which I have not done yet...

Surely you read it before you signed it.


Many moons ago. I don't know what it says about the absence of beneficiaries.
by feh
Thu Jun 25, 2015 11:01 am
Forum: Personal Finance (Not Investing)
Topic: making minor changes to a will
Replies: 9
Views: 1032

Re: making minor changes to a will

Thanks everybody.

First step is to read the will, which I have not done yet...
by feh
Thu Jun 25, 2015 9:37 am
Forum: Personal Finance (Not Investing)
Topic: umbrella coverage premiums
Replies: 34
Views: 3223

Re: umbrella coverage premiums

We pay $230 for $2 million with State Farm. I assume we get a price break because all of our insurance is through them.
by feh
Thu Jun 25, 2015 9:15 am
Forum: Personal Finance (Not Investing)
Topic: making minor changes to a will
Replies: 9
Views: 1032

making minor changes to a will

Hi folks.

My wife and I created our will about 12 years ago, and we used an attorney. Since then, a couple relatives that were to receive some monies have passed away.

So, it needs to be tweaked. Can we make such a simple change ourselves? If so, is there a proper/legal way to do it?

Thanks.
by feh
Wed Jun 24, 2015 12:14 pm
Forum: Personal Consumer Issues
Topic: Most Economical Way to Handle the Lawn
Replies: 84
Views: 8482

Re: Most Economical Way to Handle the Lawn

livesoft wrote:Ask your neighbor for help. Let it be his project.


+1

Just because the neighbor desires a manicured yard doesn't mean you need to jump through hoops to do the same.
by feh
Tue Jun 23, 2015 12:07 pm
Forum: Investing - Theory, News & General
Topic: What was the 2008 crash like in real time?
Replies: 220
Views: 25500

Re: What was the 2008 crash like in real time?

355 is chilling. The first few minutes talking about the money pool and chasing returns because of the "low 1%". If 1% was bad for a few years, whats 0-0.25% for 7 years do? Makes you wonder. I'm listening to it right now...chilling is a good word. I think it was in the second episode whe...
by feh
Tue Jun 23, 2015 11:50 am
Forum: Investing - Theory, News & General
Topic: Small Cap Index - What % of equities?
Replies: 74
Views: 7662

Re: Small Cap Index - What % of equities?

33% of equities in small-value.
by feh
Tue Jun 23, 2015 11:48 am
Forum: Investing - Theory, News & General
Topic: What was the 2008 crash like in real time?
Replies: 220
Views: 25500

Re: What was the 2008 crash like in real time?

Did everyone here stick to their strategies during the crash? I was not a boglehead in 2008, and we were 100% equities. Sizable portfolio also, as opposed to just starting the accumulation phase. Didn't have a strategy to follow, but I knew enough not to sell. Kept buying in 401K/IRA. I stopped loo...
by feh
Fri Jun 19, 2015 2:53 pm
Forum: Personal Finance (Not Investing)
Topic: Is it worth aspiring to get more?
Replies: 131
Views: 18072

Re: Is it worth aspiring to get more?

How do you know you aren't getting yourself into an endless loop? That is, you work for 2 years, and 2 years later you are faced w/ the same problem? The "one more year" syndrome.

There will always be a bigger house/nicer car to afford.
by feh
Mon Jun 15, 2015 10:41 am
Forum: Investing - Theory, News & General
Topic: Why High Equity Allocation in Retirement
Replies: 82
Views: 10955

Re: Why High Equity Allocation in Retirement

I'm planning on 60% equities in retirement, at least for the first 10-20 years. Relevant factors: I'll be retiring early and have 40+ year horizon and my withdrawal rate should be 3% at the most.
by feh
Wed Jun 10, 2015 1:44 pm
Forum: Personal Finance (Not Investing)
Topic: Advice Needed - Has Anyone Chosen Work Life Balance over Extra Money?
Replies: 101
Views: 11582

Re: Advice Needed - Has Anyone Chosen Work Life Balance over Extra Money?

I'd be interested in hearing more and I will continue to update as I sleep on it and learn a bit more about the other company/role. This is a personal decision that only you can make. If I were in your shoes, I'd keep the current job. You're already making a ton of money, and you get to enjoy your ...
by feh
Wed Jun 10, 2015 12:21 pm
Forum: Investing - Help with Personal Investments
Topic: I need to be group shamed
Replies: 28
Views: 5279

Re: I need to be group shamed

I did it twice in 2014. Haven't seen any dips big enough this year to entice me.
by feh
Wed Jun 10, 2015 11:50 am
Forum: Investing - Help with Personal Investments
Topic: Total:Tilt ratios for Small/Emerging/TIPS
Replies: 29
Views: 2573

Re: Total:Tilt ratios for Small/Emerging/TIPS

We used 2:1 ratios all over the portfolio, including equities/bonds, but am now sliding toward 60/40 as I approach retirement. Would you adjust the sub ratios to match, e.g., 60US:40Intl? No. Our ex-US equities will remain 33% of all equities. Same for our SV tilt (33% of all equities). Planning on...
by feh
Wed Jun 10, 2015 7:35 am
Forum: Investing - Help with Personal Investments
Topic: Total:Tilt ratios for Small/Emerging/TIPS
Replies: 29
Views: 2573

Re: Total:Tilt ratios for Small/Emerging/TIPS

We use 2:1 ratio: US eq:ex-US eq and total market:small-value. We currently have 2US:1ex-US. Any reason why you tilted small value for US but nothing for ex-US? We tilt to SV (actually, VSS, which isn't really SV) in international too. We used 2:1 ratios all over the portfolio, including equities/b...
by feh
Tue Jun 09, 2015 12:30 pm
Forum: Personal Finance (Not Investing)
Topic: Redeemed paper saving bonds: neither fast nor simple.
Replies: 6
Views: 1323

Re: Redeeming paper saving bonds: neither fast nor simple.

A local bank (at which we do not have any accounts) cashed some EE Bonds for us earlier this year, without complaint. Took about 10 minutes, because the teller hadn't done it before.
by feh
Tue Jun 09, 2015 12:22 pm
Forum: Investing - Help with Personal Investments
Topic: Total:Tilt ratios for Small/Emerging/TIPS
Replies: 29
Views: 2573

Re: Total:Tilt ratios for Small/Emerging/TIPS

We use 2:1 ratio: US eq:ex-US eq and total market:small-value.
by feh
Mon Jun 08, 2015 12:00 pm
Forum: Investing - Theory, News & General
Topic: 1.25% mysavingsdirect.com
Replies: 2
Views: 2289

Re: 1.25% mysavingsdirect.com

One review I found:

https://www.depositaccounts.com/blog/2013/11/emigrants-new-internet-bank-mysavingsdirect.html

Folks will need to compare to more common options like Ally to decide if the bump in interest is worth it.
by feh
Mon Jun 08, 2015 11:39 am
Forum: Investing - Theory, News & General
Topic: TIPS Funds Yielding 6+%
Replies: 30
Views: 2528

Re: TIPS Funds Yielding 6+%

The 30 day SEC yield on my American Century TIPS fund is over 5%.

Just an anomaly.
by feh
Tue Jun 02, 2015 11:55 am
Forum: Investing - Theory, News & General
Topic: Why so little International SV?
Replies: 8
Views: 1025

Re: Why so little International SV?

I'm not going to argue with anyone who sticks to total market or even a more traditional value style tilt. Well, I wish I COULD stick to a more traditional value style tilt, but there seems to be no ETF doing International Small Value based on Book-to-Market ratio, which surprises me. DLS is hardly...
by feh
Mon Jun 01, 2015 12:42 pm
Forum: Investing - Help with Personal Investments
Topic: To REIT or not to REIT
Replies: 27
Views: 3253

Re: To REIT or not to REIT

Or just be rid of it and simplify? Thanks for looking. I used to have a Core Four portfolio (think of it as the Three Fund + REIT). After about a year of gained experience and plenty of reading, I deemed the REIT component unnecessary and now am a Three Funder. Over time, I don't think keeping < 10...
by feh
Thu May 28, 2015 10:08 am
Forum: Investing - Help with Personal Investments
Topic: After you pay off your house...then what?
Replies: 26
Views: 3649

Re: After you pay off your house...then what?

John3754 wrote:
renue74 wrote:I add about $20K to $30K annually to our taxable account...depending on how business is going.


I would add the additional $17k to the $20 to $30k you're already contributing. It's that simple really.


+1
by feh
Wed May 27, 2015 11:08 am
Forum: Investing - Help with Personal Investments
Topic: Net Worth
Replies: 12
Views: 2639

Re: Net Worth

Just a question regarding net worth. Do you count your defined benefit retirement pension as part of your net worth. Ex: If you plan on retiring at 55 and your retirement from State Gov retirement plan is $45K/yr and lets say you plan on living another 35 years :D would you count that as roughly $1...
by feh
Mon May 25, 2015 7:55 am
Forum: Investing - Help with Personal Investments
Topic: please confirm: early retirement
Replies: 90
Views: 8028

Re: please confirm: early retirement

Retiring on $50K today at any age before 65 and Medicare is much more complicated than in the past. In todays market you need medical insurance that costs around $1K for a single person and $1.5K for a couple from what others here have said. Then you add on say $500 per year per person in actual me...

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