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Re: Swenson question

I am ready to allocate what I have saved in cash to the portfolio presented by Swenson in Unconventional success. My question to the forum is

Why would it not be wise to go all in tonight? Thanks for all the help
by fishdrzig
Mon Jun 02, 2014 4:37 pm
 
Forum: Investing - Theory, News & General
Topic: Swenson question
Replies: 10
Views: 1069

Swenson question

I just re read unconventional success and was wondering why he didn't make any mention at all about precious metals as a hedge against inflation. In fact he didn't even mention gold at all even as a non-core asset to not invest in. I wonder why no mention of this asset class either way?
by fishdrzig
Sun Jun 01, 2014 1:04 pm
 
Forum: Investing - Theory, News & General
Topic: Swenson question
Replies: 10
Views: 1069

Question about REITS??

"REITS are an allocation distinct from equities." What say you?
by fishdrzig
Sun May 25, 2014 9:58 pm
 
Forum: Investing - Theory, News & General
Topic: Question about REITS??
Replies: 54
Views: 3706

Re: What do you think of this portfolio?

Thanks for the advice, can't argue with logic.
by fishdrzig
Thu May 22, 2014 3:44 pm
 
Forum: Investing - Theory, News & General
Topic: What do you think of this portfolio?
Replies: 17
Views: 1328

What do you think of this portfolio?

Any comments on this portfolio would be welcome. I backtested it to 1972 and CAGR was over 11% 30% VTI Total Stock Market 15% VXUS Total international 15% VGLT Long bond 10% VBR Small cap value 10% VNQ REIT 10% VTIP Short term tips 5% Gold 5% VWO Emerging markets Just up for discussion? Thanks for t...
by fishdrzig
Thu May 22, 2014 11:45 am
 
Forum: Investing - Theory, News & General
Topic: What do you think of this portfolio?
Replies: 17
Views: 1328

Modified David Swenson portfolio??

Here is a modified version of the David Swenson portfolio I am considering - your comments are welcome. Thank you My emergency funds are full -25% in Vanguard Total Stock Market Index (VTSMX) - 10% in Vanguard Wellesley Income Fund (VWINX) - 10% in Gold - 10% in Vanguard REIT Index (VGSIX) - 15% in ...
by fishdrzig
Sat May 17, 2014 7:55 am
 
Forum: Investing - Help with Personal Investments
Topic: Modified David Swenson portfolio??
Replies: 2
Views: 335

Re: Where to put money for Emergency fund?

So, basically, I will keep my Emergency funds in my Roth, HSA and a small amount in my taxable brokerage account and that should suffice for liquidity purposes.
Now for my taxable account, does the fund VMLTX make sense?

Thank you
by fishdrzig
Wed Mar 05, 2014 10:07 am
 
Forum: Investing - Help with Personal Investments
Topic: Where to put money for Emergency fund?
Replies: 6
Views: 712

Re: Where to put money for Emergency fund?

Ok, thank you, I read the Wiki I guess my main question is if I hold all of my emergency funds in my tax advantaged accounts (which I presently do) with short term T-bill, short term Treasury bonds, Money market account and if/when I need to access it--will there be a tax penalty? From what I read, ...
by fishdrzig
Wed Mar 05, 2014 9:47 am
 
Forum: Investing - Help with Personal Investments
Topic: Where to put money for Emergency fund?
Replies: 6
Views: 712

Where to put money for Emergency fund?

I have primarily all tax deferred IRA accounts, Roth IRA, Simple IRA, rollover IRA, rollover brokerage, Roth brokerage and an HSA account with Optum Health Bank. I have a joint brokerage account with my wife that is not tax deferred. I want to have a liquid emergency fund--which account would allow ...
by fishdrzig
Wed Mar 05, 2014 7:50 am
 
Forum: Investing - Help with Personal Investments
Topic: Where to put money for Emergency fund?
Replies: 6
Views: 712

Purchasing physical gold??

For those of you who practice this, where to you usually buy? I would like some leads to follow. Thank you
by fishdrzig
Sat Mar 01, 2014 1:09 pm
 
Forum: Personal Consumer Issues
Topic: Purchasing physical gold??
Replies: 45
Views: 4761

QID split 4:1 today

What does this mean exactly?
by fishdrzig
Fri Jan 24, 2014 1:19 pm
 
Forum: Investing - Help with Personal Investments
Topic: QID split 4:1 today
Replies: 5
Views: 417

Re: Where to put emergency funds?

Thanks Livesoft

So, let me get this straight then. It would be more prudent to keep all emergency funds in a taxable or Roth account simply due to the fact that I am under 59.5 and would have to pay penalties upon withdrawal from a tax advantaged account?
by fishdrzig
Tue Jan 21, 2014 8:58 am
 
Forum: Investing - Help with Personal Investments
Topic: Where to put emergency funds?
Replies: 29
Views: 2076

Re: Where to put emergency funds?

I own enough BIL SPDR Barclays 1-3 Month T-Bill ETF in my Vanguard Rollover IRA account.
Is this a good place to keep this for emergency funds??
If I needed to access this, will I have withdrawal penalties??

Thanks for the advice
by fishdrzig
Tue Jan 21, 2014 7:25 am
 
Forum: Investing - Help with Personal Investments
Topic: Where to put emergency funds?
Replies: 29
Views: 2076

Re: Where to put emergency funds?

livesoft wrote:If I had an emergency fund, I would use VSCSX for the first-tier, then probably VEA for the 2nd tier and then VTI for the 3rd tier.


Even in a tax advantaged account
by fishdrzig
Mon Jan 20, 2014 10:35 pm
 
Forum: Investing - Help with Personal Investments
Topic: Where to put emergency funds?
Replies: 29
Views: 2076

Re: Where to put emergency funds?

Kerplunk
Is this fund in a tax advantaged?
by fishdrzig
Mon Jan 20, 2014 10:32 pm
 
Forum: Investing - Help with Personal Investments
Topic: Where to put emergency funds?
Replies: 29
Views: 2076

Re: Where to put emergency funds?

ok, let me ask it this way.
What fund do you use for your emergency money?
by fishdrzig
Mon Jan 20, 2014 10:06 pm
 
Forum: Investing - Help with Personal Investments
Topic: Where to put emergency funds?
Replies: 29
Views: 2076

Where to put emergency funds?

What part of the portfolio is best suited for emergency funds. I mainly have tax advantaged accounts and Roths. I also have a taxed brokerage account with my wife
Thanks
by fishdrzig
Mon Jan 20, 2014 9:46 pm
 
Forum: Investing - Help with Personal Investments
Topic: Where to put emergency funds?
Replies: 29
Views: 2076

I bonds and Vanguard

Is it possible to purchase I bonds through Vanguard?
Thanks
by fishdrzig
Sun Jan 12, 2014 12:50 pm
 
Forum: Investing - Theory, News & General
Topic: I bonds and Vanguard
Replies: 12
Views: 1333

Simple IRA question

I manage the Simple IRA for my business, just added an employee on to it (small business) and have a question about matching. The rules say I am to match up to 3% of employee's salary. My question is, what if she just wants $10 taken out of each paycheck instead of my other employee who has $75 dedu...
by fishdrzig
Fri Jan 03, 2014 2:05 pm
 
Forum: Personal Finance (Not Investing)
Topic: Simple IRA question
Replies: 2
Views: 169

Re: Secondary market bond buying

I have to buy from a brokerage like Vanguard because these will be going into a tax deferred acount The recommendation from the Permanent Portfolio {PP} is to redeem some 30 yr Treasuries at the 10 year mark and buy new 30 yr Treasuries. I am wondering though if I hold these in a tax deferred broker...
by fishdrzig
Sun Dec 01, 2013 7:34 pm
 
Forum: Investing - Help with Personal Investments
Topic: Secondary market bond buying
Replies: 4
Views: 306

Re: Secondary market bond buying

Not using a treasury fund or ETF because I am trying to hold true to the Harry Browne Permanent Portfolio recommendations of buying and holding individual 30 yr Treasury bonds. ER=zero, so I like that too.
by fishdrzig
Sun Dec 01, 2013 7:33 pm
 
Forum: Investing - Help with Personal Investments
Topic: Secondary market bond buying
Replies: 4
Views: 306

Secondary market bond buying

Hello I would like to buy bonds or bills or notes on the secondary market from Vanguard and I am a Voyager client. I didn't pull the trigger yet and will call them when they open next week. I was just wondering if someone can answer my question here, first: Q. The Vanguard order form shows a $100 re...
by fishdrzig
Sun Dec 01, 2013 12:42 pm
 
Forum: Investing - Help with Personal Investments
Topic: Secondary market bond buying
Replies: 4
Views: 306

Re: Harry Browne Permanent Portfolio question

Thank you linenfort that link was exactly what I was looking for. Much appreciated.
by fishdrzig
Tue Nov 12, 2013 3:42 pm
 
Forum: Investing - Theory, News & General
Topic: Harry Browne Permanent Portfolio question
Replies: 73
Views: 4295

Re: Harry Browne Permanent Portfolio question

This is the poster that asked the original question----guess we all got sidetracked.
I have another question though, maybe Craigr is still here?

Would VT be a logical substitute for VTI for the stock portion of the PP? Any thoughts. Thanks
by fishdrzig
Tue Nov 12, 2013 9:11 am
 
Forum: Investing - Theory, News & General
Topic: Harry Browne Permanent Portfolio question
Replies: 73
Views: 4295

Re: Harry Browne Permanent Portfolio question

craigr - any thoughts on my all in ETF Permanent portfolio?
by fishdrzig
Sun Nov 10, 2013 7:29 pm
 
Forum: Investing - Theory, News & General
Topic: Harry Browne Permanent Portfolio question
Replies: 73
Views: 4295

Re: Harry Browne Permanent Portfolio question

This is what I did - all in at one time: CASH SPDR Barclays 1-3 Month T-Bill ETF (BIL) 13% Vanguard Short-Term Treasury Fund Investor Shares (VFISX) 7% Vanguard Limited-Term Tax-Exempt Fund Investor Shares (VMLTX) 2% Vanguard Short-Term Bond Index Fund Investor Shares (VBISX) 3% I had no flexibility...
by fishdrzig
Sat Nov 02, 2013 3:06 pm
 
Forum: Investing - Theory, News & General
Topic: Harry Browne Permanent Portfolio question
Replies: 73
Views: 4295

Re: Harry Browne Permanent Portfolio question

Sorry I wasn't clear.
I was talking about the 25% cash allocation
I already have 25% TLT
by fishdrzig
Wed Oct 23, 2013 12:50 pm
 
Forum: Investing - Theory, News & General
Topic: Harry Browne Permanent Portfolio question
Replies: 73
Views: 4295

Harry Browne Permanent Portfolio question

Which fund would you be more comfortable owning in the Permanent Portfolio for the 25% Treasury bond section either VSBSX or VFIRX I can choose either of these in my ROTH (can't add ETF's here). I already own about 12% BIL in another tax deferred account so wanted to add one of these. Thanks for the...
by fishdrzig
Wed Oct 23, 2013 6:51 am
 
Forum: Investing - Theory, News & General
Topic: Harry Browne Permanent Portfolio question
Replies: 73
Views: 4295

Re: Harry Browne’s Permanent Portfolio

OP here again Which fund would you be more comfortable owning in the Permanent Portfolio for the 25% Treasury bond section either VSBSX or VFIRX I can choose either of these in my ROTH (can't add ETF's here). I already own about 12% BIL in another tax deferred acount so wanted to add one of these. T...
by fishdrzig
Tue Oct 22, 2013 11:54 am
 
Forum: Investing - Theory, News & General
Topic: Harry Browne’s Permanent Portfolio
Replies: 128
Views: 13060

Re: Harry Browne’s Permanent Portfolio

Any logic in recommending GLD instead of GTU or IAU? or would a mix of these make any difference in a tax deferred acount. Just trying to narrow my search. Thanks
by fishdrzig
Tue Oct 15, 2013 3:14 pm
 
Forum: Investing - Theory, News & General
Topic: Harry Browne’s Permanent Portfolio
Replies: 128
Views: 13060

Re: Harry Browne’s Permanent Portfolio

Thanks for the reply "staythecourse"

I should mention, I have all tax advantaged accounts - - does that may a difference for the ETF/Fund choices since TLH won't come in to play?
by fishdrzig
Tue Oct 15, 2013 1:24 pm
 
Forum: Investing - Theory, News & General
Topic: Harry Browne’s Permanent Portfolio
Replies: 128
Views: 13060

Re: Harry Browne’s Permanent Portfolio

Ok, I think I am going to do the PP as suggested by Craig and MTex and of course Mr. Browne himself. I am exhausted from all the reading I have done, but am glad I did it now. Question 1 For the 25% bond portion is there any reason to choose VUSTX over TLT strategically. Presently I own both. For th...
by fishdrzig
Tue Oct 15, 2013 11:33 am
 
Forum: Investing - Theory, News & General
Topic: Harry Browne’s Permanent Portfolio
Replies: 128
Views: 13060

Two theory questions, please?

Question 1 Assume I hold 100 shares of VUSTX. 1. Assume the value of the fund decreased by 50%, when the dividend pays out, does it pay on all 100 shares, or just the 50%? 2. If my new portfolio allocation calls for just the amount that is now in the negative to be my actual allocation, do I just ke...
by fishdrzig
Fri Aug 16, 2013 5:43 am
 
Forum: Investing - Theory, News & General
Topic: Two theory questions, please?
Replies: 5
Views: 477

Re: ROTH IRA fund question? VMLTX

When can withdrawals be taken from a ROTH IRA without penalty?
by fishdrzig
Mon Aug 12, 2013 7:04 pm
 
Forum: Investing - Help with Personal Investments
Topic: ROTH IRA fund question? VMLTX
Replies: 9
Views: 471

Re: ROTH IRA fund question? VMLTX

If the idea of a Roth IRA is to take advantage of the tax deferred properities of this investment vehicle, then "being in something liquid" would probably not make much sense. Because of penalty-free withdrawals of contributions, some people (primarily those who cannot max out all of thei...
by fishdrzig
Mon Aug 12, 2013 12:49 pm
 
Forum: Investing - Help with Personal Investments
Topic: ROTH IRA fund question? VMLTX
Replies: 9
Views: 471

Re: ROTH IRA fund question? VMLTX

If the idea of a Roth IRA is to take advantage of the tax deferred properities of this investment vehicle, then "being in something liquid" would probably not make much sense. Also, being in any bonds that the Treasury sells, one pays no taxes on this anyway. Given this thought, what type ...
by fishdrzig
Mon Aug 12, 2013 12:17 pm
 
Forum: Investing - Help with Personal Investments
Topic: ROTH IRA fund question? VMLTX
Replies: 9
Views: 471

Re: Why reinvest dividends?

This is the OP I think the OP needs to come back and explain what his question really is. It can't be that he actually thinks one can spend the dividend and still get the compounded return. I think the question is about whether or not one should automatically reinvest the dividend in the investment ...
by fishdrzig
Mon Aug 12, 2013 10:54 am
 
Forum: Investing - Theory, News & General
Topic: Why reinvest dividends?
Replies: 19
Views: 1767

ROTH IRA fund question? VMLTX

I have some of my Roth IRA invested in Vanguard Limited-Term Tax-Exempt Fund Investor Shares (VMLTX). Does this make sense in a tax-deferred account?
by fishdrzig
Mon Aug 12, 2013 5:33 am
 
Forum: Investing - Help with Personal Investments
Topic: ROTH IRA fund question? VMLTX
Replies: 9
Views: 471

Why reinvest dividends?

What is the Boglehead philosophy on reinvesting dividends? Is it just a choice and really doesn't matter, or a key element to wealth accumulation?
by fishdrzig
Mon Aug 12, 2013 5:29 am
 
Forum: Investing - Theory, News & General
Topic: Why reinvest dividends?
Replies: 19
Views: 1767

David Swenson lazy portfolio critique?

I am thnking about copying the David Swenson lazy portfolio found in the WIKI and would like to know pros and cons as it would apply to starting this port folio in 2013?
thanks for the comments

http://www.bogleheads.org/wiki/Lazy_Portfolios
by fishdrzig
Sat Aug 03, 2013 7:22 pm
 
Forum: Investing - Theory, News & General
Topic: David Swenson lazy portfolio critique?
Replies: 16
Views: 2516

Cashing in Whole Life Insurance

I would like to take the cash value of my whole life insurance policy and place it in a Vanguard fund.
Does anyone know if this can be done without the generation of a tax event?
by fishdrzig
Sun Jul 21, 2013 1:06 pm
 
Forum: Personal Finance (Not Investing)
Topic: Cashing in Whole Life Insurance
Replies: 6
Views: 518

Re: The Three Fund Portfolio

Do LifeStrategy funds rebalance automatically?
by fishdrzig
Sun Jun 30, 2013 9:22 am
 
Forum: Investing - Theory, News & General
Topic: The Three Fund Portfolio
Replies: 818
Views: 316167

Re: The Three Fund Portfolio

Since all I have are IRA accounts, which fund/funds would you recommend if going "all in"
What I mean to say is, I don't have any tax consequences to worry about at this time, since all money is in Simple IRA and Rollover IRA accounts
Thank you
by fishdrzig
Sat Jun 29, 2013 8:52 am
 
Forum: Investing - Theory, News & General
Topic: The Three Fund Portfolio
Replies: 818
Views: 316167

Tax Loss Harvesting in a fund with IRA?

Sorry if this is a stupid question but for any account that ends in IRA i.e. Simple IRA, Rollover IRA, Roth IRA, Rollover Account Brokerage IRA etc..... is it true that one cannot implement tax loss harvesting?
by fishdrzig
Sat Jun 29, 2013 8:48 am
 
Forum: Investing - Theory, News & General
Topic: Tax Loss Harvesting in a fund with IRA?
Replies: 5
Views: 405

Re: Target Retirement Funds Bond Funds question

Remember that if you keep the bond fund for a time approximately equal to the duration, if interest rates rise, you will make up for a drop in NAV by increased dividends. This is just simply not true as stated and people need to stop saying it. What is true is that waiting the length of the duratio...
by fishdrzig
Sun Jun 23, 2013 10:27 pm
 
Forum: Investing - Help with Personal Investments
Topic: Target Retirement Funds Bond Funds question
Replies: 23
Views: 2588

Re: bonds

Just trying to understand this. I own a significant portion of my portfolio in VUSTX. I plan on holding this bond FUND until retirement so >15 years. Do I have this right --- If/when interest rates rise, NAV (price of bond fund goes down), yield % goes up, dividend payments increase over time. Does ...
by fishdrzig
Sun Jun 23, 2013 8:02 am
 
Forum: Investing - Help with Personal Investments
Topic: Bonds
Replies: 28
Views: 2734

What if I cash in my Whole Life insurance?

I have had a whole life insurance policy for over 20 years now, only 100K. I had instructed the dividends to pay for the monthly premiums, but now I still have to contribute. I have plenty of term life for myself and family. My question is if were to take the cash value of the policy and close out, ...
by fishdrzig
Sat Apr 06, 2013 2:21 pm
 
Forum: Investing - Help with Personal Investments
Topic: What if I cash in my Whole Life insurance?
Replies: 5
Views: 387

Why this fund in my ROTH?

Ok, both my wife and myself have one fund in our Roth IRA accounts. VBISX Vanguard short term bond index fund investor shares VMLTX Vanguard limited term tax exempt fund investor shares I know it was suggested here on this forum these are good funds for a ROTH if one needs some more bond exposure, b...
by fishdrzig
Tue Apr 02, 2013 7:12 am
 
Forum: Investing - Help with Personal Investments
Topic: Why this fund in my ROTH?
Replies: 2
Views: 420

[Looking for] Wiki financial calculator [Fund performance]

I looked but.... I am trying to find a program or calculator where I can figure out something like this for example with my own portfolio, if someone could help I would appreciate it. Thank you 1Wk YTD* 1Yr 3Yr 5Yr 10Yr P David Swensen Yale Individual Investor Portfolio Annual Rebalancing 1.1% 4.4% ...
by fishdrzig
Sat Mar 30, 2013 8:33 am
 
Forum: Investing - Theory, News & General
Topic: [Looking for] Wiki financial calculator [Fund performance]
Replies: 2
Views: 224
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