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Re: bonds component

I'm mostly keeping bonds in order to be able to rebalance if and when the stock market crashes, so what you say re inflation protection makes a lot of sense. So 2 is out, and I'm left with (1) VBTLX - total bond index (3) VWIUX - intermediate-term federal tax exempt bonds (4) VCADX - intermediate-te...
by frylock
Mon Oct 28, 2013 6:05 pm
 
Forum: Investing - Help with Personal Investments
Topic: (tax-exempt?) bonds component in a lazy portfolio
Replies: 10
Views: 855

(tax-exempt?) bonds component in a lazy portfolio

Hey everyone, I'm building a basic index-based portfolio (2-4 vanguard funds total) in a taxable account, and I'm wondering about the bond component, which I plan to have around 20% (I'm 30). I'm a CA resident and in the top tax bracket. I'm deliberating between the following: (1) VBTLX - total bond...
by frylock
Mon Oct 28, 2013 1:12 pm
 
Forum: Investing - Help with Personal Investments
Topic: (tax-exempt?) bonds component in a lazy portfolio
Replies: 10
Views: 855

Analysis+Question about Roth vs Traditional 401(k)

Hi Everyone, I recently moved to the US I'm trying to figure out the efficiency of different tax-deferral / tax exemption options. In order to understand it to the best of my ability, I made a quick spreadsheet, and I'm sharing my results with you. I read pretty much anything I found in wikipedia, i...
by frylock
Tue Jul 30, 2013 2:39 am
 
Forum: Investing - Help with Personal Investments
Topic: Analysis+Question about Roth vs Traditional 401(k)
Replies: 2
Views: 412

Re: Strategy and tactics for auto-pilot investing

First, if you want to keep things simple, just use Vanguard and mutual funds. If you want something like a simple three-fund portfolio, why complicate things? Next, you are onto something with the tax efficiency thing. Google: relative absolute tax efficiency site:TheFinanceBuff.com. In his blog po...
by frylock
Sat Jul 27, 2013 11:41 pm
 
Forum: Investing - Help with Personal Investments
Topic: Strategy and tactics for auto-pilot investing
Replies: 15
Views: 1748

Re: Strategy and tactics for auto-pilot investing

From this back-of-the-envelope calculation it seems like it's more important to consider the average gain rather than whether the taxes are deferred. But I do know that the conventional wisdom is to put bonds in tax-sheltered accounts, so I must be missing something, what is it? livesoft is razzing...
by frylock
Fri Jul 26, 2013 9:22 pm
 
Forum: Investing - Help with Personal Investments
Topic: Strategy and tactics for auto-pilot investing
Replies: 15
Views: 1748

Re: Strategy and tactics for auto-pilot investing

Maybe I used the wrong term with "harvesting", I just meant selling the stocks for a gain. Let's say I have $200 to invest for 30 years, and I can put half of it in a tax-sheltered account (say Roth IRA). Let's say as before, I have 40% tax rate, bonds yield 2.5% annually, stocks appreciat...
by frylock
Fri Jul 26, 2013 11:07 am
 
Forum: Investing - Help with Personal Investments
Topic: Strategy and tactics for auto-pilot investing
Replies: 15
Views: 1748

Re: strategy and tactics for auto-pilot investing

If you need to put bonds in taxable (because you've run out of room in tax-sheltered) then taxable bonds (VBTLX or similar) are not a good idea. You'd be better off buying 
 I Savings Bonds through Treasury Direct up to the limit and then using a muni fund like ( VWITX ) Vanguard Intermediate-Term ...
by frylock
Thu Jul 25, 2013 9:19 pm
 
Forum: Investing - Help with Personal Investments
Topic: Strategy and tactics for auto-pilot investing
Replies: 15
Views: 1748

Strategy and tactics for auto-pilot investing

Hi everyone, First of all, thank you for all the great information in this forum. I'm a novice investor and this forum usually answers all my questions :) I'm looking to do independent (taxed) investments. I can generally put ~$2K aside every month, and also I have more lumpy sums coming in couple o...
by frylock
Thu Jul 25, 2013 12:02 am
 
Forum: Investing - Help with Personal Investments
Topic: Strategy and tactics for auto-pilot investing
Replies: 15
Views: 1748

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