Search found 845 matches

by harikaried
Thu Sep 03, 2015 6:04 pm
Forum: Investing - Help with Personal Investments
Topic: Replacement shares for TLH exchanges for broad market index funds
Replies: 17
Views: 367

Re: Replacement shares for TLH exchanges for broad market index funds

When tax-loss harvesting a broad market US fund, simply exchange into a broad market international fund. When tax-loss harvesting a broad market international fund, simply exchange into a broad market US fund. How about harvesting either VTI (total US) or VXUS (total international) into an even bro...
by harikaried
Wed Sep 02, 2015 2:12 pm
Forum: Investing - Help with Personal Investments
Topic: Marketable limit order buffer %/$
Replies: 6
Views: 263

Marketable limit order buffer %/$

Today I placed a marketable limit order to buy VEU when it had a bid/ask $43.63/$43.64. The limit I set was $44 or better, and the purchase was made in 3 lots: 50% at $43.635, 10% at $43.637, and 40% at $43.639. I picked the limit by calculating roughly 1% higher than the current ask to be pretty su...
by harikaried
Thu Aug 27, 2015 2:56 pm
Forum: Investing - Theory, News & General
Topic: Schwab Intelligent Portfolios [now live]
Replies: 425
Views: 60855

Re: Schwab Intelligent Portfolios [now live]

My concern is that it'll take a few days for the funds to clear and I might miss a rally. I've put in a transfer from the SIP account to the brokerage account. It'll rebalance to have the cash for the transfer tomorrow, and I'll put in an ETF Buy order tomorrow in the brokerage account. Both sets o...
by harikaried
Thu Aug 27, 2015 2:28 pm
Forum: Investing - Theory, News & General
Topic: Schwab Intelligent Portfolios [now live]
Replies: 425
Views: 60855

Re: Schwab Intelligent Portfolios [now live]

I wonder why they allocate 60% to Fundamental and 40% to market cap? in_reality linked to a paper showing that a mix of the two behave differently than just fundamental or just market cap: http://www.russell.com/documents/indexes/research/passive-fundamental-index-investing.pdf Who knows if 60/40 i...
by harikaried
Thu Aug 27, 2015 11:38 am
Forum: Investing - Theory, News & General
Topic: Schwab Intelligent Portfolios [now live]
Replies: 425
Views: 60855

Re: Schwab Intelligent Portfolios [now live]

I'm waiting for the ~27th to see if it'll harvest from PXH that it TLHed from FNDE on 07/27/2015. PXH currently is with 16% losses Looks like this is happening today. The trade hasn't posted yet, but the account knows that it'll be TLHed today: Tax loss harvest - Today We tax loss harvested your po...
by harikaried
Tue Aug 25, 2015 1:39 am
Forum: Investing - Theory, News & General
Topic: Schwab Intelligent Portfolios [now live]
Replies: 425
Views: 60855

Re: Schwab Intelligent Portfolios [now live]

I would just sell everything @ betterment to take the huge tax deduction That's what I'll do at the end of the month with the SIP account splitting it into at least 2 withdrawals. I'm waiting for the ~27th to see if it'll harvest from PXH that it TLHed from FNDE on 07/27/2015. PXH currently is with...
by harikaried
Mon Aug 24, 2015 5:26 pm
Forum: Investing - Theory, News & General
Topic: Schwab Intelligent Portfolios [now live]
Replies: 425
Views: 60855

Re: Schwab Intelligent Portfolios [now live]

A couple hours later, Sell SCHA and Buy VB appeared. SCHA Sell $51.5902 Low: $48.00, High: $53.09 -> 71% Previous Close: $53.49 -> -3.55% VB Buy $110.29 Low: 90.03, High: $113.1091 -> 88% Previous Close: $114.09 -> -3.33% Can't really tell when those traded though... http://quotes.morningstar.com/ch...
by harikaried
Mon Aug 24, 2015 3:53 pm
Forum: Investing - Theory, News & General
Topic: Schwab Intelligent Portfolios [now live]
Replies: 425
Views: 60855

Re: Schwab Intelligent Portfolios [now live]

Looking at the spikes in volumes on morningstar, you can almost know what time SIP traded: FNDA: 1:24pm http://quotes.morningstar.com/chart/etf/chart.action?t=FNDA PRFZ: 2:08pm http://quotes.morningstar.com/chart/etf/chart.action?t=PRFZ FNDF: 1:12pm http://quotes.morningstar.com/chart/etf/chart.acti...
by harikaried
Mon Aug 24, 2015 3:27 pm
Forum: Investing - Theory, News & General
Topic: Schwab Intelligent Portfolios [now live]
Replies: 425
Views: 60855

Re: Schwab Intelligent Portfolios [now live]

I logged in to SIP at market close and the account was at 50% cash. But I kept refreshing the history page and Buys slowly appeared for PRFZ, PXF, VOO, and finally VEA. Not sure if it's just their system posting the trades slowly because there's so much activity. Although looking at the trade detail...
by harikaried
Sat Aug 22, 2015 12:18 pm
Forum: Personal Finance (Not Investing)
Topic: 5-Year BS/MS programs computer science
Replies: 15
Views: 1217

Re: 5-Year BS/MS programs computer science

Looking at it purely from a $$ angle: That extra year will cost you a lot of money (no salary). I did a combined 5-yr BS/MS program and started taking graduate classes in my second year. This qualified me as a graduate student to be a Teaching or Research Assistant, and this came with a tuition wai...
by harikaried
Fri Aug 21, 2015 1:43 pm
Forum: Investing - Theory, News & General
Topic: Schwab Intelligent Portfolios [now live]
Replies: 425
Views: 60855

Re: Schwab Intelligent Portfolios [now live]

From Betterment's whitepaper on tax loss harvesting, it would try to harvest the secondary buying back the primary only if the additional losses have greater benefit than triggering the wash sale. TLH+ harvests can come out of the primary into the alternate, or vice versa, depending on which harvest...
by harikaried
Fri Aug 21, 2015 1:16 pm
Forum: Investing - Theory, News & General
Topic: Schwab Intelligent Portfolios [now live]
Replies: 425
Views: 60855

Re: Schwab Intelligent Portfolios [now live]

In the last few minutes, Sells for both FNDX and SCHE have posted, but IEMG (the TLH partner for SCHE) does not have a Buy yet. Not sure if FNDA will TLH today because at its current price, the losses have returned under the TLH threshold. But perhaps SIP takes a snapshot earlier in the morning to d...
by harikaried
Fri Aug 21, 2015 12:27 pm
Forum: Investing - Theory, News & General
Topic: Schwab Intelligent Portfolios [now live]
Replies: 425
Views: 60855

Re: Schwab Intelligent Portfolios [now live]

A live update! The SIP interface says Today: We tax loss harvested your portfolio on 8/21/2015 Although looking at the account history from schwab.com interface, I only see a $10k purchase of PRF which is the TLH partner for FNDX (US Large Fundamental). The account still has the $10k of FNDX, so I'm...
by harikaried
Thu Aug 20, 2015 5:21 pm
Forum: Investing - Theory, News & General
Topic: Schwab Intelligent Portfolios [now live]
Replies: 425
Views: 60855

Re: Schwab Intelligent Portfolios [now live]

The only position TLHed so far for us was FNDE -> PXH (Emerging market fundamental) on July 27. PXH currently has losses of -8.21% (0.58% of the account), which is over the threshold for TLH, but because it's within 30 days for the wash sale, it did not TLH. The next closest positions to TLH: SCHE -...
by harikaried
Mon Jul 27, 2015 6:06 pm
Forum: Investing - Theory, News & General
Topic: Schwab Intelligent Portfolios [now live]
Replies: 425
Views: 60855

Re: Schwab Intelligent Portfolios [now live]

Turns out SIP's TLH algorithm does work as expected. Today all lots of FNDE purchased every month since account creation back in March were sold to purchase PXH. FNDE had dollar losses exceeding 0.5% of the total account, which comes from a target allocation 6% with 8% loss of that position. SCHE al...
by harikaried
Mon Jul 27, 2015 5:56 pm
Forum: Investing - Theory, News & General
Topic: Schwab Intelligent Portfolios [now live]
Replies: 425
Views: 60855

Re: Schwab Intelligent Portfolios [now live]

So planning ahead, if you have to sell VSS at a loss in a TLH move, what are you choosing for replacement shares? Will they have a commission to buy and sell at Vanguard? I was thinking of just buying VXUS to maintain our desired US:Intl ratio because the only position in our taxable would be VSS a...
by harikaried
Mon Jul 27, 2015 3:16 pm
Forum: Investing - Theory, News & General
Topic: Jack Bogle explains what your investment adviser should do
Replies: 1
Views: 610

Jack Bogle explains what your investment adviser should do

http://time.com/money/3972097/vanguard-jack-bogle-investment-adviser/ Spoiler: (context: Adviser sets up client in 60/40 balanced fund and tells the client to do nothing each year.) Q: "What do I need you for?" How do I answer that question? A: The only answer to that question is "I'm...
by harikaried
Sun Jul 19, 2015 12:18 pm
Forum: Personal Finance (Not Investing)
Topic: Trust payout condition: Bogleheads quiz?
Replies: 2
Views: 237

Trust payout condition: Bogleheads quiz?

Does it make sense to have some additional requirement on payout conditions from a trust that shows at least some amount of financial understanding? Some people put requirements of obtaining a bachelor or masters degrees or graduating from an accredited university, but those don't necessarily cover ...
by harikaried
Sat Jul 18, 2015 1:03 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard's new Personal Advisor Services
Replies: 56
Views: 9320

Re: Vanguard's new Personal Advisor Services

This service looks like it is probably a lot better than what people would get elsewhere. And looks like there's quite a bit of money moving to the service too according to assets under management for robo-ish advisors: http://www.investmentnews.com/article/20150717/FREE/150719905/battlebots-big-fi...
by harikaried
Fri Jul 17, 2015 10:31 am
Forum: Personal Finance (Not Investing)
Topic: 60K Car Maintenance Service = $600. Is this Reasonable?
Replies: 51
Views: 4560

Re: 60K Car Maintenance Service = $600. Is this Reasonable?

Here's the maintenance schedule for 2012 Subarus:

http://www.cars101.com/subaru/maintenance3.html

The main difference at 60k is to replace accessory belts (e.g., A/C), fuel filter, spark plugs, brake fluid.
by harikaried
Wed Jul 15, 2015 10:34 am
Forum: Personal Consumer Issues
Topic: Are the more expensive bikes worth paying for?
Replies: 78
Views: 4492

Re: Are the more expensive bikes worth paying for?

Trek 7.3 Hybrid http://www.trekbikes.com/us/en/bikes/city/fitness/fx/7_3_fx/ Any bike experts want to compare that with this one from bikesdirect: http://www.bikesdirect.com/products/mercier/galaxy_tour.htm We bought a pair of Mercier bikes from bikesdirect probably 5 years ago and have gone on sev...
by harikaried
Sat Jul 11, 2015 3:42 pm
Forum: Investing - Help with Personal Investments
Topic: Choosing to go with a Robo-Advisor and If so, which one?
Replies: 58
Views: 4475

Re: Choosing to go with a Robo-Advisor and If so, which one?

My advice would be to be more patient, trade less, and capture the big ones. But what's big enough? I checked our SIP account and at one point this week it had almost 1.5% in net losses for the whole account, but it didn't TLH at that point. It does seem like Schwab's algorithms are set up to prima...
by harikaried
Sat Jul 11, 2015 1:11 pm
Forum: Investing - Help with Personal Investments
Topic: Choosing to go with a Robo-Advisor and If so, which one?
Replies: 58
Views: 4475

Re: Choosing to go with a Robo-Advisor and If so, which one?

In the Betterment interface, it doesn't really show you your individual fund cost basis anywhere except on the quarterly statements and statements for individual trades. Schwab Intelligent Portfolios is built on top of their usual Brokerage account platform, so you can view all individual lots and ...
by harikaried
Sat Jul 11, 2015 1:00 pm
Forum: Investing - Help with Personal Investments
Topic: Choosing to go with a Robo-Advisor and If so, which one?
Replies: 58
Views: 4475

Re: Choosing to go with a Robo-Advisor and If so, which one?

Betterment doesn't use a 3rd set of ETF's and perhaps that is a defect compared to manually performing TLHs. Betterment does have a concept of tertiary ETFs, but they might only be used in situations where there's overlap between taxable and tax-advantaged: https://www.betterment.com/resources/rese...
by harikaried
Fri Jul 10, 2015 10:38 pm
Forum: Investing - Theory, News & General
Topic: Schwab Intelligent Portfolios [now live]
Replies: 425
Views: 60855

Re: Schwab Intelligent Portfolios [now live]

What is causing you to change your mind? Is it the cash allocation, the "complexity" of the portfolio or the inability to control TLH? There's a number of things that aren't all related to Schwab. The cash allocation isn't an issue at all as we just shifted our cash from checking to broke...
by harikaried
Fri Jul 10, 2015 8:25 pm
Forum: Investing - Theory, News & General
Topic: Schwab Intelligent Portfolios [now live]
Replies: 425
Views: 60855

Re: Schwab Intelligent Portfolios [now live]

Has Schwab still not TLHd for you? It has not. Part of the reason I would assume is they want to harvest a substantial amount on really large drops and not be stuck with the alternate ETF on new purchases. Schwab's TLH algorithm looks for losses relative to the whole portfolio as opposed to a singl...
by harikaried
Mon Jul 06, 2015 5:38 pm
Forum: Investing - Help with Personal Investments
Topic: Global Small Cap Tilt for "Financial Freedom" Fund?
Replies: 6
Views: 645

Re: Global Small Cap Tilt for "Financial Freedom" Fund?

PORTFOLIO OPTION 1 Total Stock Market (VTI) - 40% Small Cap Value (VBR) - 20% Total International Stock Market (VXUS) - 40% PORTFOLIO OPTION 2 Total Stock Market (VTI) - 35% Small Cap Value (VBR) - 15% Total International Stock Market (VXUS) - 35% FTSE All Wd Ex US Small Cap (VSS) - 15% PORTFOLIO O...
by harikaried
Sat Jun 27, 2015 6:22 pm
Forum: Personal Finance (Not Investing)
Topic: What credit should you get? (Ask me anything)
Replies: 52
Views: 10563

Re: What credit should you get? (Ask me anything)

2% All: Fidelity Amex, Priceline Visa, Citi Double Cash MasterCard (Sam's Club) 5% Grocery: Sallie Mae 5% Dining and Amazon: Citi Forward 5% Gas: PenFed Cash Rewards That's pretty much what we have: 5% Grocery/Gas: Sallie Mae (up to $250/mo on each of groceries and gas) 6.667% Restaurants/Amazon/Mo...
by harikaried
Wed Jun 24, 2015 10:35 am
Forum: Investing - Theory, News & General
Topic: Schwab Intelligent Portfolios [now live]
Replies: 425
Views: 60855

Re: Schwab Intelligent Portfolios [now live]

Schwab's Institutional Intelligent Portfolios are now live as of yesterday allowing RIAs to automate trades/rebalancing of customized portfolios. https://institutionalintelligent.schwab.com/advisor There's 450 ETFs to choose from that matched various requirements: • Correspond to one of 28 available...
by harikaried
Wed Jun 24, 2015 10:24 am
Forum: Investing - Theory, News & General
Topic: Schwab Intelligent Portfolios [now live]
Replies: 425
Views: 60855

Re: Schwab Intelligent Portfolios [now live]

Emerging Markets TLHed on 6/1 and Developed Markets on 6/8 This might just be the difference in triggering methods. I believe Betterment looks at how much a given lot has lost as a threshold whereas Schwab looks at how much of the total account has lost as a threshold. My recent purchase of Emergin...
by harikaried
Wed Jun 24, 2015 10:09 am
Forum: Personal Finance (Not Investing)
Topic: What credit should you get? (Ask me anything)
Replies: 52
Views: 10563

Re: What credit should you get? (Ask me anything)

How about cash-ish sign up bonuses over $400? E.g., statement credits, amazon gift card, purchase redemption. In the last 3 months, we've received 2x each of capital one venture, barclay arrival plus, chase sapphire preferred, amex premier gold, wells fargo propel world for a total of ~$6000 in rewa...
by harikaried
Tue Jun 23, 2015 3:43 am
Forum: Personal Finance (Not Investing)
Topic: Ask me anything - Mortgages
Replies: 29
Views: 3936

Re: Ask me anything - Mortgages

I can't speak for everyone but major banks want to charge you fees and sell your loan to Fannie or Freddie. Is this why one can get a significant rate buy up / negative points enough to put towards principal curtailment (even after fees/costs)? So banks get paid their fees in the process even thoug...
by harikaried
Mon Jun 22, 2015 11:23 pm
Forum: Investing - Theory, News & General
Topic: Robo Advisor for people in retirement
Replies: 8
Views: 1633

Re: Robo Advisor for people in retirement

2. Do roboadvisors allow automated monthly withdrawals? I don't think so. Schwab Intelligent Portfolio seems to be built on the usual Schwab Brokerage account, so you can do recurring withdrawals as usual. It allows for various options: Monthly Quarterly Annually Twice a year Twice a month Weekly-M...
by harikaried
Sun Jun 21, 2015 7:57 pm
Forum: Investing - Theory, News & General
Topic: Schwab Intelligent Portfolios [now live]
Replies: 425
Views: 60855

Re: Schwab Intelligent Portfolios [now live]

Has the tax loss harvesting benefited as of yet? Not at all. I'm not sure if I'm doing something that is preventing SIP from tax loss harvesting, or their thresholds just haven't been exceeded. In particular, I've been adding 2%-of-account cash at the beginning and middle of each month enough to tr...
by harikaried
Sun Jun 21, 2015 12:39 pm
Forum: Investing - Theory, News & General
Topic: Schwab Intelligent Portfolios [now live]
Replies: 425
Views: 60855

Re: Schwab Intelligent Portfolios [now live]

This article on Friday 6/19 from RIABiz seems to indicate Schwab Intelligent Portfolio total managed assets is now $2.8b. http://www.riabiz.com/a/4987740034695168/schwabs-robo-for-rias-is-set-to-launch-in-next-10-days-to-delight-of-online-forerunners That would put it a good bit ahead of Betterment ...
by harikaried
Sun Jun 21, 2015 12:33 pm
Forum: Investing - Theory, News & General
Topic: Schwab Intelligent Portfolios [now live]
Replies: 425
Views: 60855

Re: Schwab Intelligent Portfolios [now live]

The performance view was updated this week to show a benchmark. They also made a new blog post describing the "blended benchmark": With Schwab Intelligent Portfolios, your portfolio is broadly diversified across up to 20 asset classes, with allocations to stocks, fixed income, commodities ...
by harikaried
Thu Jun 18, 2015 3:51 pm
Forum: Investing - Help with Personal Investments
Topic: Fidelity intl small cap: VSS ($7.95) vs SCZ/EEMS (free)
Replies: 5
Views: 800

Re: Fidelity intl small cap: VSS ($7.95) vs SCZ/EEMS (free)

Thanks for the suggestions. I suppose another option is to buy Fidelity Spartan mutual funds with the cash -- perhaps some international fund Global ex-US (FSGDX), International Developed (FSIVX), or Emerging (FPMAX). None of them are Intl. Small Cap, but they're free without spread. But they all ha...
by harikaried
Thu Jun 18, 2015 3:35 pm
Forum: Personal Finance (Not Investing)
Topic: Suggestions on what to pay off first: mortgage or car payment
Replies: 23
Views: 2605

Re: Suggestions on what to pay off first: mortgage or car payment

Car loan: -30k -1.9% interest -5 years remaining Is this a 2014 or 2015 new vehicle? You can refinance it to a 0.99% 48-month loan at PenFed. Saves you a little bit of interest but higher monthly payments. Current loan: ~$525/mo and $1500 total interest vs new loan: ~$640/mo and $600 total interest...
by harikaried
Wed Jun 17, 2015 1:30 am
Forum: Personal Finance (Not Investing)
Topic: Tax savings of moving to no income tax state
Replies: 24
Views: 3546

Re: Tax savings of moving to no income tax state

From our experience moving from California Bay Area to Nevada but assuming OP's $500k income, a 2000sqft house, $100k local spending/yr, drive 15k mi/yr @ 20mpg. Santa Clara tax: income tax: 11.3% bracket -> ~$42k (8.4%) property tax: median $906/sqft -> ~$24k (4.8%) sales tax: 8.75% -> ~$9k (1.8%) ...
by harikaried
Sun Jun 14, 2015 2:41 pm
Forum: Investing - Help with Personal Investments
Topic: Fidelity intl small cap: VSS ($7.95) vs SCZ/EEMS (free)
Replies: 5
Views: 800

Fidelity intl small cap: VSS ($7.95) vs SCZ/EEMS (free)

Just making sure, is it basically a no brainer to buy/hold VSS (Vanguard FTSE All-World ex-US Sm-Cp ETF) to get international small cap at Fidelity even with the $7.95 trade fee compared to buying 2 separate iShares ETFs at 80/20 weighting to get something similar with SCZ (iShares MSCI EAFE Small-C...
by harikaried
Wed Jun 10, 2015 11:37 am
Forum: Investing - Help with Personal Investments
Topic: Total:Tilt ratios for Small/Emerging/TIPS
Replies: 29
Views: 2576

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

If you don't actually know how the risk and return properties of your portfolio depend on the various asset allocations you are discussing then there is no rationale at all for any of the choices, including not "tilting" at all. Doing some backtesting of asset class allocation over 1972 -...
by harikaried
Wed Jun 10, 2015 11:37 am
Forum: Investing - Help with Personal Investments
Topic: Total:Tilt ratios for Small/Emerging/TIPS
Replies: 29
Views: 2576

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

We tilt to SV (actually, VSS, which isn't really SV) in international too. Oh that's interesting. I don't think Fidelity has something that's Global Small Cap. That's a pretty clever way to get small cap. We used 2:1 ratios all over the portfolio, including equities/bonds, but am now sliding toward...
by harikaried
Wed Jun 10, 2015 11:33 am
Forum: Investing - Help with Personal Investments
Topic: Total:Tilt ratios for Small/Emerging/TIPS
Replies: 29
Views: 2576

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

pt32 wrote:Do REITs provide any additional inflation protection compared to stocks?
I believe that's the common wisdom, but I don't have anything offhand to substantiate.
by harikaried
Wed Jun 10, 2015 1:30 am
Forum: Investing - Help with Personal Investments
Topic: Total:Tilt ratios for Small/Emerging/TIPS
Replies: 29
Views: 2576

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

I'm not sure what you are looking at Just doing a search for IJS and IJR with google using the site search. Digging in a bit more shows there's some debate about using IWN that tracks Russell 2000. IJS: About 1,310 results IJR: About 2,330 results IWN: About 3,910 results Although I see from this p...
by harikaried
Tue Jun 09, 2015 10:16 pm
Forum: Investing - Help with Personal Investments
Topic: Total:Tilt ratios for Small/Emerging/TIPS
Replies: 29
Views: 2576

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

feh wrote: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?
by harikaried
Tue Jun 09, 2015 10:14 pm
Forum: Investing - Help with Personal Investments
Topic: Total:Tilt ratios for Small/Emerging/TIPS
Replies: 29
Views: 2576

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

SpideyIndexer wrote:Perhaps you do not believe the REIT overperformance will persist but you do with SV?
Some reason it seems that tilts to REITs tend to be small percentages as opposed to say 2US:1REIT or even 4US:1REIT. In fact, the Core Four has 48% US and 8% REIT for a 7US:1REIT ratio.
by harikaried
Tue Jun 09, 2015 10:11 pm
Forum: Investing - Help with Personal Investments
Topic: Total:Tilt ratios for Small/Emerging/TIPS
Replies: 29
Views: 2576

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

ruralavalon wrote:I don't see any reason to require the same ratio, either 2:1 or 1:1, in all four areas.
I think the consistency/symmetricity keeps it closer to simple than having a bunch of different percentages especially by avoiding fixed percentage tilts, e.g., 5% REITs.
by harikaried
Tue Jun 09, 2015 10:09 pm
Forum: Investing - Help with Personal Investments
Topic: Total:Tilt ratios for Small/Emerging/TIPS
Replies: 29
Views: 2576

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

I like the 1:1 plan, minus the TIPS at this point We don't have REITs for that rough inflation protection, so we'll go with TIPS. The 1:1 plan is nice in that there's just 2 percentages: one for the UStotal/USsmall/Global/Emerging and another for USbonds/TIPS. It is quite a big change from what we ...
by harikaried
Tue Jun 09, 2015 10:07 pm
Forum: Investing - Help with Personal Investments
Topic: Total:Tilt ratios for Small/Emerging/TIPS
Replies: 29
Views: 2576

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

watchnerd wrote:Intl Dev: 1 Europe: 1 Pacific
This adds another level of splitting that moves things further from simple. I think we'll stop at Equity vs Bond -> US vs Intl -> Total vs Emerging for now before adding -> Europe vs Pacific.

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