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Re: DIY Index Fund

Why would anyone want to do this? The last 15 years the Vanguard Total Stock Market Index Admiral share class has lagged the Wilshire 5000 by 0.02% per year. They have even outperformed it in the 10 and 5 year periods. It seems worth the small expense ratio to me. To save on the expense fee of cour...
by inbox788
Mon Sep 01, 2014 2:31 pm
 
Forum: Investing - Theory, News & General
Topic: DIY Index Fund
Replies: 7
Views: 320

Re: DIY Index Fund

When I owned a number of stocks, I did not automatically reinvest dividends. Those dividends were always appearing and it takes some effort and will to get them reinvested. They might sit as cash in one's account for a week or month and that cash is a big drag on performance. I think, but cannot pr...
by inbox788
Mon Sep 01, 2014 2:19 pm
 
Forum: Investing - Theory, News & General
Topic: DIY Index Fund
Replies: 7
Views: 320

Re: Should I bite the bullet and pay 50k in fees?

OK I think I figured it out. You inherited an annuity and your soon-to-be-former advisor had you cash it out. You had to pay taxes at that time on the appreciation since there is no step up in basis on death. No 10% early withdrawal penalty since you inherited it. Your soon-to-be-former advisor the...
by inbox788
Mon Sep 01, 2014 2:04 pm
 
Forum: Investing - Help with Personal Investments
Topic: Should I bite the bullet and pay 50k in fees?
Replies: 36
Views: 2812

Re: How to become a millionaire retiree -- then and now

Why only a 30-year working career? If the person has a four year college education and then a 30-year career, they are retiring in their very early 50's. I would call that retiring quite early. Try running the models with a 40-year working career (which would also qualify as retiring early). I bet ...
by inbox788
Mon Sep 01, 2014 12:34 pm
 
Forum: Investing - Theory, News & General
Topic: How to become a millionaire retiree -- then and now
Replies: 50
Views: 4664

Re: Property or stock?

Hot real estate market vs hot stock market? Flip a coin? Seriously, they're both reasonable investments for the right investor. Many people would cringe if suggested you get a margin account and borrow money to invest in stocks. Yet, many forget that buying a house is similarly leveraged. That lever...
by inbox788
Mon Sep 01, 2014 12:18 pm
 
Forum: Investing - Help with Personal Investments
Topic: Property or stock?
Replies: 17
Views: 953

Re: Portfolio advice requested [in medical training]

The people who can afford to do 401, accrued interest, and Roth are in great shape. Realistically residents can only do one or two of the three. The benefit of doing the accrued interest is obvious. The benefit of the Roth, or at least why I push for residents who I speak to do to a Roth, is to get...
by inbox788
Mon Sep 01, 2014 12:41 am
 
Forum: Investing - Help with Personal Investments
Topic: Portfolio advice requested [in medical training]
Replies: 12
Views: 614

Re: Portfolio advice requested [in medical training]

Are you accumulating interest due at 6.8% or is that being subsided in deferment? What is the cost of taking out debt? Origination fees, distribution fees, guarantee fees, etc.? You might consider taking less in loans and/or paying off some of the existing loan instead. Hard to beat 6.8% guaranteed ...
by inbox788
Sun Aug 31, 2014 1:58 pm
 
Forum: Investing - Help with Personal Investments
Topic: Portfolio advice requested [in medical training]
Replies: 12
Views: 614

Re: Autopilot Investments Broken and I am Confused

1. i feel comfortable being exposed in that ratio because of no debt and simple lifestyle (i am a renter so no mortgage). however having said that i have read many opinions that say i should be closer to 70/30. if i dig deeper to explore overall goals it has always been to retire and have a comfort...
by inbox788
Sun Aug 31, 2014 1:46 pm
 
Forum: Investing - Help with Personal Investments
Topic: Autopilot Investments Broken and I am Confused
Replies: 13
Views: 1278

Re: Wifi phone calls vs Ooma

Ooma can work over wifi as well. http://ooma.com/app/support/ooma-telo-wireless-adapter-faq Generally, wifi (i.e. wireless) isn't as fast or reliable as wired. Most people probably run ooma over wires, so it's like asking wireless vs wires, and generally wires win. That said, the best VOIP I've test...
by inbox788
Sat Aug 30, 2014 9:57 pm
 
Forum: Personal Consumer Issues
Topic: Wifi phone calls vs Ooma
Replies: 9
Views: 981

Re: Will Vanguard fire me if I retire overseas? (Schwab bett

Wouldn't Vanguard know you're regularly logging into their website from a foreign IP address? If they looked, they could shut that down unless you used a US proxy. But that too might raise a red flag since overseas hackers would be doing the same thing. It's highly suspicious either way, and that ma...
by inbox788
Sat Aug 30, 2014 7:16 pm
 
Forum: Personal Finance (Not Investing)
Topic: Will Vanguard fire me if I retire overseas? (Schwab better?)
Replies: 14
Views: 2016

Re: Debating whether to keep current vehicle or purchase ano

I'd get a new car, but time it so it's when a good deal, like clearance season now. There's always a sales, but sometimes it's easier than others to find a good deal. There's always a chance the car breaks down just when car demand is high. Also, when the car breaks down, the little existing value w...
by inbox788
Fri Aug 29, 2014 12:04 pm
 
Forum: Personal Consumer Issues
Topic: Debating whether to keep current vehicle or purchase another
Replies: 39
Views: 1851

Re: Tax loss harvesting

My general thinking is that I contribute to all my funds once a quarter (3/1,6/1,9/1,12/1). Due to wash sale rules, I cannot do any TLH one month before and after these dates. That essentially leaves one month each quarter where I can do TLH. During that one month, if I see loses of over $1000 (twe...
by inbox788
Fri Aug 29, 2014 11:46 am
 
Forum: Investing - Help with Personal Investments
Topic: Tax loss harvesting
Replies: 32
Views: 1469

Re: Possible mail scam?

Wow! A letter with free money knocking on your door that might not be a scam? I got something like that from someone claiming Paypal owed me money, and I was skeptical, so I let the state have it. I might get around to picking it up from the state someday. The state wanted a copy my social security ...
by inbox788
Thu Aug 28, 2014 10:11 pm
 
Forum: Personal Consumer Issues
Topic: Possible mail scam?
Replies: 11
Views: 1158

Re: Motif Investing - own the S&P500 for less

A brokerage can sell you stocks for a very low commission $9.95 for 30 stocks in case of this company. However they can also give you a very bad spread and sell you a stock for say $9.25, when you could have bought it for $9.10. This is a hidden cost for you. Stocks remember don't have a single bid...
by inbox788
Thu Aug 28, 2014 6:06 pm
 
Forum: Investing - Theory, News & General
Topic: Motif Investing - own the S&P500 for less
Replies: 75
Views: 3442

Re: Motif Investing - own the S&P500 for less

I think you can save about $50 in fees for every $10k invested/year, so after a decade or two that could be $500-1000/motif, so after 20 years, an extra $5000 in fees might be saved. Well almost, except it's $5 per $10k per year, which in recent years seems to have shrunk down to nearly nothing (wh...
by inbox788
Thu Aug 28, 2014 2:23 pm
 
Forum: Investing - Theory, News & General
Topic: Motif Investing - own the S&P500 for less
Replies: 75
Views: 3442

Re: If you had an extra $100,000

Lynette wrote:1/3 to charity, 1/3 for travel, 1/3 for retirement.


1/3 taxes, 1/3 credit card bills, 1/3 bookie
by inbox788
Thu Aug 28, 2014 12:14 pm
 
Forum: Personal Finance (Not Investing)
Topic: If you had an extra $100,000
Replies: 53
Views: 4436

Re: Hit a financial milestone at an age milestone

NorCalHiker wrote:We have 2 young kids...


Congratulations, now get back to work. :wink:

This should be one of your next milestones:

viewtopic.php?t=15835

:mrgreen:
by inbox788
Thu Aug 28, 2014 12:22 am
 
Forum: Personal Finance (Not Investing)
Topic: Hit a financial milestone at an age milestone
Replies: 50
Views: 4882

Re: Motif Investing - own the S&P500 for less

Not so fast. There are problems with this number, as applied to motif investing. One is simple: 30-stock motifs are far less volatile than individual stocks, even if you group them by sectors or whatever. So there just won't be as many harvest opportunities. ...I'm sorry, but I refuse to sell a gro...
by inbox788
Thu Aug 28, 2014 12:00 am
 
Forum: Investing - Theory, News & General
Topic: Motif Investing - own the S&P500 for less
Replies: 75
Views: 3442

Re: Should we invest or pay off mortgage ?

Given the above profile, would you pay off the mortgage vs. invest ? I am leaning towards the latter, but I would love to hear your thoughts/approach on how one should think about investing #4. I'm seeking a tax efficient and moderately conservative investment strategy for #4. 6 year horizon and ne...
by inbox788
Wed Aug 27, 2014 8:33 pm
 
Forum: Investing - Help with Personal Investments
Topic: Should we invest or pay off mortgage ?
Replies: 15
Views: 1666

Re: Motif Investing - own the S&P500 for less

If you were to listen to Cramer and have 5 holdings in 5 different sectors and matched the sp500 return, is that a good thing a bad thing or just par for the course? Would the total of all investors following this strategy do any different than the market? 5 holdings? That would be pure luck if it ...
by inbox788
Wed Aug 27, 2014 4:46 pm
 
Forum: Investing - Theory, News & General
Topic: Motif Investing - own the S&P500 for less
Replies: 75
Views: 3442

Re: Motif Investing - own the S&P500 for less

Taxwise, are motifs treated like a fund when you buy and sell? TLH and wash sales are complications or opportunities depending on accounting and tax treatment. Let's say you bought a motif with 3 stocks ABC, and AB are winners while C is a loss. On the day you sell, you have a net loss on the motif,...
by inbox788
Wed Aug 27, 2014 4:03 pm
 
Forum: Investing - Theory, News & General
Topic: Motif Investing - own the S&P500 for less
Replies: 75
Views: 3442

Re: Motif Investing - own the S&P500 for less

Actually, the real secret is that there is no point in slavishly trying to track any index. The fact is that if one has enough separate holdings, it really doesn't matter too much what exactly those holdings are, or in what weights. One will end up tracking the overall market regardless. (Modulo, s...
by inbox788
Wed Aug 27, 2014 10:12 am
 
Forum: Investing - Theory, News & General
Topic: Motif Investing - own the S&P500 for less
Replies: 75
Views: 3442

Re: Motif Investing - own the S&P500 for less

Thank you bpp for the link. The TLH benefit is cited from an academic paper simulating holding 500 stocks instead of a 500 fund at around 0.5% annually compared to doing nothing. Obviously a fund holder would get some benefit from TLH, but only during market crashes. I would guess the vast majority...
by inbox788
Wed Aug 27, 2014 10:05 am
 
Forum: Investing - Theory, News & General
Topic: Motif Investing - own the S&P500 for less
Replies: 75
Views: 3442

Re: Motif Investing

I'm confused - are/were you a customer or not? You seem unhappy, but your comments don't make much sense. To answer your questions, cash dividends are paid in cash not reinvested (stock dividends, more rare, are added to the Motif), mergers are free, and voluntary corporate actions (rare) are $15. ...
by inbox788
Wed Aug 27, 2014 12:38 am
 
Forum: Personal Finance (Not Investing)
Topic: Motif Investing
Replies: 11
Views: 1803

Re: 100% stock AA-> At what age to add bonds?

I will go back and emphasize: The reason for our success is our savings rate while we were accumulating, not our Asset Allocation before, or after, retirement. L. I agree with Leeraar. It is having enough savings that enables one to have choices in retirement. There are many roads to a comfortable ...
by inbox788
Tue Aug 26, 2014 10:28 pm
 
Forum: Investing - Theory, News & General
Topic: 100% stock AA-> At what age to add bonds?
Replies: 58
Views: 3675

Re: Motif Investing

Some of the annoyances I had trading individual stocks was all the accounting and special fees. How do they handle dividend distributions? Foreign tax credits? Mergers and acquisitions? Even though buys and sells were $5 or $10 a trade, I was being charged fees for corporate actions in the amounts o...
by inbox788
Tue Aug 26, 2014 9:57 pm
 
Forum: Personal Finance (Not Investing)
Topic: Motif Investing
Replies: 11
Views: 1803

Re: Purchasing I bond vs. paying off student loan

I actually went ahead and paid it off. I'm 36 and wife is 31. I was under the impression some in his 30's should be in the 35-40% non-equity range. Is this too high? We are right at 70/30. I thought this would be fine since the wife is younger and I have a little bit higher risk tolerance. No harm ...
by inbox788
Tue Aug 26, 2014 4:16 pm
 
Forum: Personal Finance (Not Investing)
Topic: Purchasing I bond vs. paying off student loan
Replies: 19
Views: 1013

Re: Purchasing I bond vs. paying off student loan

I don't think you're doing the numbers right because if you use money that would have gone to retirement investing then it isn't all fixed income (assuming a normal allocation) so you will be reducing your stock investment. It's extra income this month that is currently sitting in cash. I don't mai...
by inbox788
Tue Aug 26, 2014 3:44 pm
 
Forum: Personal Finance (Not Investing)
Topic: Purchasing I bond vs. paying off student loan
Replies: 19
Views: 1013

Re: Best time to exercise stock options

In general, I'd hold them to the last year and pick a good time to sell during that year, waiting till near the expiration date if possible. Sooner if you're conservative. What is the expiration date and strike price/current stock price? Unless the options represent a large part of your portfolio, y...
by inbox788
Tue Aug 26, 2014 3:27 pm
 
Forum: Investing - Theory, News & General
Topic: Best time to exercise stock options
Replies: 10
Views: 868

Re: What are you up YTD?

Please share your asset allocation and what you are up (or down) YTD in the format below. Here are my stats: Stocks: 100% Bonds: - Up: 10% Are you meeting or beating your risk adjusted return? For reference YTD S&P500, Dow, Nasdaq and bonds/midcap/smallcap are up: ARCX:SPY:+15.51|+8.40% ARCX:DI...
by inbox788
Tue Aug 26, 2014 12:23 pm
 
Forum: Investing - Help with Personal Investments
Topic: What are you up YTD?
Replies: 94
Views: 6272

Re: FYI, PenFed offering 0.0% new car loans

I've lost faith in the accuracy of the TrueCar data. Offers are no longer the lowest prices, and may not be competitive. I've come across too many reports of people beating it by hundreds and even THOUSANDS. Not unlike many of the other car buying services.
by inbox788
Tue Aug 26, 2014 12:04 pm
 
Forum: Personal Finance (Not Investing)
Topic: FYI, PenFed offering 0.0% new car loans
Replies: 15
Views: 1772

Re: How I beat Indexing... in 1 hour

5) For me, this was in early August - FARO: first in field, no real competition -ITMN: I knew of impending buy out - ILMN: same as FARO - LUV: knew of fuel prices coming down from USA Today app - TSLA: despite insane P/E ratio RESULTS: Cost basis $4400 Market Value: $5400 Congratulations on what lo...
by inbox788
Tue Aug 26, 2014 10:40 am
 
Forum: Investing - Theory, News & General
Topic: How I beat Indexing... in 1 hour
Replies: 53
Views: 7042

Re: Should we invest or pay off mortgage ?

Given the above profile, would you pay off the mortgage vs. invest ? I am leaning towards the latter, but I would love to hear your thoughts/approach on how one should think about investing #4. I'm seeking a tax efficient and moderately conservative investment strategy for #4. 6 year horizon and ne...
by inbox788
Tue Aug 26, 2014 1:01 am
 
Forum: Investing - Help with Personal Investments
Topic: Should we invest or pay off mortgage ?
Replies: 15
Views: 1666

Re: AA out of whack - need rebalancing advice!

I have finally fully retired and the markets have been good for my investments. However, they have thrown my asset allocation out of whack . My portfolio is now 72% stock, 28% bonds (see detail below) and I would like to rebalance. What would you recommend as an asset allocation? Can you please let...
by inbox788
Tue Aug 26, 2014 12:34 am
 
Forum: Investing - Help with Personal Investments
Topic: AA out of whack - need rebalancing advice!
Replies: 11
Views: 1081

Re: Bond fund in taxable account (CA resident)

By investing in municipal bonds in your own state, you are failing to diversify in two regards. First, you're only investing in one state when you could invest in 50. Second, you're probably investing in (or near) the state you work in, and state budget problems are likely correlated with labor mar...
by inbox788
Tue Aug 26, 2014 12:01 am
 
Forum: Investing - Help with Personal Investments
Topic: Bond fund in taxable account (CA resident)
Replies: 14
Views: 1073

Re: Best iPhone deal for light user

Buy a Sprint iPhone 4 for ~$70 on Ebay. Hook it up to Ting. (http://www.ting.com) Get a referral and you get $25 off your first bill. (PM if you want a referral code. :-)) Why an iPhone 4? Cheap, does everything a 4S. Better battery life than a 4S. Pay only for what you use. Awesome customer servic...
by inbox788
Mon Aug 25, 2014 10:17 pm
 
Forum: Personal Consumer Issues
Topic: Best iPhone deal for light user
Replies: 30
Views: 2342

Re: What if there were only index funds?

Accounting for fees, the non-indexers do worse on average, since they pay higher overall fees than indexers. Actually the set of buy and holders of individual stocks could pay LESS than indexers. Those that hold stocks stocks for 10, 20, or more years are paying basically zero ER. If commissions ad...
by inbox788
Mon Aug 25, 2014 3:21 pm
 
Forum: Investing - Theory, News & General
Topic: What if there were only index funds?
Replies: 23
Views: 2007

Re: What if there were only index funds?

This is a very interesting hypothetical question and some very good answers. I guess the issue is that indexing is the prudent thing to do. However, if everyone would do the prudent thing (indexing), then the stock market could not exist. Therefore, the Boglehead approach relies on individual stock...
by inbox788
Mon Aug 25, 2014 2:05 pm
 
Forum: Investing - Theory, News & General
Topic: What if there were only index funds?
Replies: 23
Views: 2007

Re: The Extreme Outliers of the Investment Universe

What's missing is a risk adjusted return. It's not fair to compare a different risk investment to the S&P500 if that investment doesn't have a similar risk. Any given 5 year period will have one or another asset or asset class outpace the S&P500. It could be investing in energy (XLE), REITS,...
by inbox788
Mon Aug 25, 2014 1:46 pm
 
Forum: Investing - Theory, News & General
Topic: The Extreme Outliers of the Investment Universe
Replies: 27
Views: 2747

Re: What 5 stocks can I own forever?

How about looking at the etf that holds 100 yr old companies? ... FL Foot Locker Inc 0.35 Suspicious about the demand for running shoes a hundred years ago, I checked Wikipedia and see that Foot Locker is the old Woolworth's. It's a ringer (and not in the NYSE bell-ringing sense). Yes and no. Kinne...
by inbox788
Mon Aug 25, 2014 3:13 am
 
Forum: Investing - Help with Personal Investments
Topic: What 5 stocks can I own forever?
Replies: 58
Views: 4428

Re: What 5 stocks can I own forever?

Apple, Qualcomm, Monsanto, Medtronic, Nike. Medtronic is almost gone! It's it's undergoing an inversion, which technically means it's being acquired by a foreign company and reincorporating overseas. Corporations go through many different types of reorganizations, mergers and acquisitions, takeover...
by inbox788
Mon Aug 25, 2014 1:25 am
 
Forum: Investing - Help with Personal Investments
Topic: What 5 stocks can I own forever?
Replies: 58
Views: 4428

Re: AA out of whack - need rebalancing advice!

I have finally fully retired and the markets have been good for my investments. However, they have thrown my asset allocation out of whack . My portfolio is now 72% stock, 28% bonds (see detail below) and I would like to rebalance. What would you recommend as an asset allocation? Can you please let...
by inbox788
Sun Aug 24, 2014 6:54 pm
 
Forum: Investing - Help with Personal Investments
Topic: AA out of whack - need rebalancing advice!
Replies: 11
Views: 1081

Re: Best iPhone deal for light user

What do I get with an iPhone 5 that I don't get with iPhone 4? A better phone. iPhone 4S is better than iPhone 4. iPhone 5c is the same phone as iPhone 4S. iPhone 5S is better than all of the above. iPhone 6 is rumored to be coming out Sep 9th - wait and see. Airdrop! Not even the 4S has it, but I'...
by inbox788
Sun Aug 24, 2014 3:38 pm
 
Forum: Personal Consumer Issues
Topic: Best iPhone deal for light user
Replies: 30
Views: 2342

Re: Saving for a car

My plan to save for a car purchase in five years is to buy the intermediate term index bond fund VBILX and add $335 per month. Is there anything wrong with this plan or is there a better way? Most times short term savings are better off by just banking it. OP, for money I may need in the short term...
by inbox788
Sun Aug 24, 2014 3:02 pm
 
Forum: Investing - Help with Personal Investments
Topic: Saving for a car
Replies: 20
Views: 1592

Re: Saving for a car

...is that the lowest price negotiated with a specific dealership in Detroit, Michigan (car country, poor economy)? This is on page 16E of the Detroit Free Press of Thursday, August 21, 2014. ...Seriously, this is a real deal. ... You should be able to find similar deals at http://www.gm.com. But y...
by inbox788
Sun Aug 24, 2014 2:46 am
 
Forum: Investing - Help with Personal Investments
Topic: Saving for a car
Replies: 20
Views: 1592

Re: 87 Year Old Grandmother Has $600,000 In the Bank

What is the amount of your fiance's grandmother's social security check and does she have any long-term care insurance? Given age, $12k/month income and $600k cash and current $8k in expenses, these are relatively minor items. Consider the $600k as a 6 year emergency fund. She lived through the Gre...
by inbox788
Sun Aug 24, 2014 2:40 am
 
Forum: Investing - Help with Personal Investments
Topic: 87 Year Old Grandmother Has $600,000 In the Bank
Replies: 42
Views: 5472

Re: Should I fix a "totaled" car

I got t-boned at an intersection. Low speed but there's body damage from behind front wheel all the way back. 2007 Hyundai Sonata with 130k miles. NADA value is $8,000. Insurance company is calling it a total loss and offering $8k or $6,400 (retail -1600 est salvage value) if I want to keep it. Bod...
by inbox788
Sat Aug 23, 2014 8:56 pm
 
Forum: Personal Consumer Issues
Topic: Should I fix a "totaled" car
Replies: 32
Views: 2164

Re: 87 Year Old Grandmother Has $600,000 In the Bank

This money is currently spread across three bank accounts and is used, along with a trust that owns rental property, to support my fiance's 87 year old grandmother. I am still figuring out all of the particulars (it just came to my attention that the money is invested in this way) but I estimate th...
by inbox788
Sat Aug 23, 2014 8:34 pm
 
Forum: Investing - Help with Personal Investments
Topic: 87 Year Old Grandmother Has $600,000 In the Bank
Replies: 42
Views: 5472

Re: Saving for a car

My plan to save for a car purchase in five years is to buy the intermediate term index bond fund VBILX and add $335 per month. Is there anything wrong with this plan or is there a better way? It's a decent plan. Depending on what you're driving and how long you expect to keep it, you could do bette...
by inbox788
Sat Aug 23, 2014 8:22 pm
 
Forum: Investing - Help with Personal Investments
Topic: Saving for a car
Replies: 20
Views: 1592

Re: Rain Jacket Recommendations

I was just looking for a rain jacket and saved this link: http://thewirecutter.com/reviews/best-everyday-rain-jacket/ They recommend the $169 LL Bean Stowaway Jacket with Gore-Tex and the $99 Marmot PreCip (sometimes on sale for as low as $55). I also came across the $100-120 Carhartt Men's Huron Ja...
by inbox788
Fri Aug 22, 2014 5:52 pm
 
Forum: Personal Consumer Issues
Topic: Rain Jacket Recommendations
Replies: 29
Views: 1730
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