Search found 29 matches

Return to advanced search

Re: Reformed Broker on market timing

One doesn't have to be able to call all the tops and bottoms over a ten year period to be profitable. One can be an index fund investor with a buy, hold, rebalance philosophy and make just one market timing call that works spectacularly and be very happy. I agree. The folly is in thinking one can m...
by jbran99
Wed Jul 24, 2013 11:13 pm
 
Forum: Investing - Theory, News & General
Topic: Reformed Broker on market timing
Replies: 4
Views: 837

Reformed Broker on market timing

I know his reputation around here isn't all that great, but The Reformed Broker had a nice post a couple days ago about the absolute dearth of successful market timers: Where have all the cowboys gone? He reviews some research from the 1970s and 1980s that attempted to objectively identify folks who...
by jbran99
Wed Jul 24, 2013 10:03 am
 
Forum: Investing - Theory, News & General
Topic: Reformed Broker on market timing
Replies: 4
Views: 837

Re: Portfolio review: A check-up on my progress

I'll be looking into Donor-Advised Funds for my giving, so thanks much for that suggestion!

Do you (or anyone else, for that matter) have any advice on the rest of the questions I listed? (Reallocating the bond funds, multi-tier EF, 529, etc.)? Thanks!
by jbran99
Sat Jan 26, 2013 11:02 am
 
Forum: Investing - Help with Personal Investments
Topic: Portfolio review: A check-up on my progress
Replies: 7
Views: 1237

Buffett pulls ahead of Hedge Funds at halfway point of bet

Carol Loomis has released the post-2012 update to Warren Buffett's bet with Ted Seides from Protege Partners: http://finance.fortune.cnn.com/2013/01/24/buffett-hedge-fund-bet/?iid=HP_LN Summary: The S&P500 Fund Buffett selected is Vanguard's Admiral shares (VFIAX). According to Loomis, that fund...
by jbran99
Thu Jan 24, 2013 10:54 am
 
Forum: Investing - Theory, News & General
Topic: Buffett pulls ahead of Hedge Funds at halfway point of bet
Replies: 17
Views: 2701

Re: Portfolio review: A check-up on my progress

nydad wrote:Quick tip: if considering donating appreciated shares, consider giving them to a donor advised fund.
I looked into Vanguard's DAF, but they have a $25k minimum and I'm not quite at that level. Maybe I'll look into Fido/Schwab and see how they might work. Thanks!
by jbran99
Wed Jan 23, 2013 9:28 am
 
Forum: Investing - Help with Personal Investments
Topic: Portfolio review: A check-up on my progress
Replies: 7
Views: 1237

Re: Portfolio review: A check-up on my progress

self-serving bump (Sat night probably wasn't the best initial post time!)
by jbran99
Tue Jan 22, 2013 9:37 am
 
Forum: Investing - Help with Personal Investments
Topic: Portfolio review: A check-up on my progress
Replies: 7
Views: 1237

Re: Portfolio review: A check-up on my progress

I'll be donating the appreciated shares instead of my normal cash-based charitable donations. My charitable contributions for 2013 will be in line with 2012. I actually have slightly more shares than will be donated in 2013, so the process will carry into 2014 as well.
by jbran99
Sat Jan 19, 2013 7:23 pm
 
Forum: Investing - Help with Personal Investments
Topic: Portfolio review: A check-up on my progress
Replies: 7
Views: 1237

Portfolio review: A check-up on my progress

Hello everyone. Last May I posted a slightly abbreviated portfolio overview with a focus on my wife's new 401k and received some good feedback. That thread can be found here . At that time, I was just starting to implement some of the many things I'd learned from this forum. Since then, I've made go...
by jbran99
Sat Jan 19, 2013 4:15 pm
 
Forum: Investing - Help with Personal Investments
Topic: Portfolio review: A check-up on my progress
Replies: 7
Views: 1237

Re: Determining Small Cap Tilt

Like you wrote, if you hold 17% Small Cap and 83% S&P 500, you do not have a small cap tilt; you would have a Total Stock Market Approximation. You need to hold more that 17% Small Cap to have a tilt. Here's an example: Assume a $1000 equity portfolio with $170 in Small Cap and $830 S&P 500 ...
by jbran99
Wed Jan 09, 2013 11:43 pm
 
Forum: Investing - Help with Personal Investments
Topic: Determining Small Cap Tilt
Replies: 10
Views: 1105

Re: Yet another portfolio review - married couple filing joi

Thank you very much again. Interesting you make comment about how good is my 401k option. If I am not mistaken, I have optin to move my rollover inside my 401k account. Do you think I should explore that before making any rebalancing? You have been awesome help! Yes, I would. Here's how that might ...
by jbran99
Sat Jan 05, 2013 10:46 am
 
Forum: Investing - Help with Personal Investments
Topic: Yet another portfolio review - married couple filing jointly
Replies: 11
Views: 1324

Re: Yet another portfolio review - married couple filing joi

Some 401k plans have very good funds. For example, mine has an S&P500 index with an ER of .03; other folks have access to institutional shares within a 401k that an individual investor doesn't have access to. That's why the recommended format for Asking Portfolio Questions suggests you list the...
by jbran99
Fri Jan 04, 2013 10:02 pm
 
Forum: Investing - Help with Personal Investments
Topic: Yet another portfolio review - married couple filing jointly
Replies: 11
Views: 1324

Re: Yet another portfolio review - married couple filing joi

Choice on 401k is basically wide open. My company allows for brokerage account from 401k. So, I am not restricted to use the funds offered in company's 401k choices. Some 401k plans have very good funds. For example, mine has an S&P500 index with an ER of .03; other folks have access to institu...
by jbran99
Thu Jan 03, 2013 12:04 am
 
Forum: Investing - Help with Personal Investments
Topic: Yet another portfolio review - married couple filing jointly
Replies: 11
Views: 1324

Re: Should I reallocate and other questions? Been 1.5 years.

After using Morningstar X-Ray, I noticed only 6% was in small cap and thought adding NAESX would diversify my portfolio further. How much exposure is recommended in small cap? If you own Total Stock Market, you own Small Caps. You also own Mid Caps, Large Caps and everything in between - that's the...
by jbran99
Tue Jan 01, 2013 5:32 pm
 
Forum: Investing - Help with Personal Investments
Topic: Should I rebalance and other questions? Been 1.5 years.
Replies: 10
Views: 845

Re: Yet another portfolio review - married couple filing joi

Brokerage Account ( Taxable ) : 17% - invested in USO ETF ( ER 0.45%) - Costco stock ( long term gains ) - amazon stock ( long term gains ) Retirement : Total : 60% Rollover IRA 40% Roth - His 9.5% (100% in BRK.B stock ) Roth - Her 1.5% ( cash ) 401k 9% ( PIMCO Total Return Fund Institutional Class...
by jbran99
Tue Jan 01, 2013 4:05 pm
 
Forum: Investing - Help with Personal Investments
Topic: Yet another portfolio review - married couple filing jointly
Replies: 11
Views: 1324

Re: Starting off in the stock market

But this is money just sitting in my IRA...could I not use some of it for day trading purposes? Sure you *could* and you easily *could* lose most or all of it. Of course you *could* come out ahead, just like I *could* win the lottery someday. Similarly, you *could* just send your money directly to ...
by jbran99
Tue Jan 01, 2013 2:54 pm
 
Forum: Investing - Help with Personal Investments
Topic: Starting off in the stock market
Replies: 19
Views: 1308

Re: Should I reallocate and other questions? Been 1.5 years.

Based on your previous posts from Feb 2011, this is a significant improvement! Congratulations! 1. Should I convert part or all of my traditional to Roth? No. Your tax rate makes this unappealing. 2. Do I have the right mix of funds? Should I include REITs to diversify further? 3. Overall I have los...
by jbran99
Tue Jan 01, 2013 2:39 pm
 
Forum: Investing - Help with Personal Investments
Topic: Should I rebalance and other questions? Been 1.5 years.
Replies: 10
Views: 845

Re: Starting off in the stock market

I have a few thousand dollars of "play" money. I am tempted to just start buying stocks and selling them the next day if they go up by a few dollars. Is that a good way to start or should I read pages after pages of literature? This is the third time you've posted to this forum about doin...
by jbran99
Tue Jan 01, 2013 1:47 pm
 
Forum: Investing - Help with Personal Investments
Topic: Starting off in the stock market
Replies: 19
Views: 1308

Re: Yet another portfolio review - married couple filing joi

Welcome to the forum, Skyler! It looks like you started following the suggested format for Asking Portfolio Question , but didn't get through it all the way. In order to get better responses, I would suggest you EDIT your original post to include more detail about your Current Portfolio and include ...
by jbran99
Tue Jan 01, 2013 1:07 pm
 
Forum: Investing - Help with Personal Investments
Topic: Yet another portfolio review - married couple filing jointly
Replies: 11
Views: 1324

Re: 27 - Need help on getting started on the right foot

First off, welcome to the forum and congratulations on putting yourself in a great position to save for your retirement! Your savings rate ($100k - $120k annually) is tremendous! I don't know enough about S Corps to chime in on that question, but I'll take a shot at the others. 2) Besides the yearly...
by jbran99
Sun Dec 30, 2012 11:27 am
 
Forum: Investing - Help with Personal Investments
Topic: 27 - Need help on getting started on the right foot
Replies: 3
Views: 462

Re: Still a bit confused about wash sales

Blue88 wrote:Question: I sell all shares of an S&P 500 index fund at a gain and invest the entire amount in a Total Stock Mkt Index Fund with another company. Do I care about the wash sale rule with a capital gain or does this just apply to selling at a loss?
It only applies for losses.
by jbran99
Sat Dec 29, 2012 1:19 pm
 
Forum: Investing - Help with Personal Investments
Topic: Still a bit confused about wash sales
Replies: 9
Views: 522

Re: Invest more in 401(k) or pay down mortgage?

Hmmmm. I seem to remember something happening in 2008. Um, let's see. Oh yes, pretty much everyone's equity-based portfolio lost 50% of value in a matter of months. 5 years later, people who stayed in pretty much have broken even. If it took you 5 years to break even, you likely didn't stick to you...
by jbran99
Sat Dec 29, 2012 12:50 pm
 
Forum: Investing - Help with Personal Investments
Topic: Invest more in 401(k) or pay down mortgage?
Replies: 37
Views: 4402

Re: Request for Comments on Portfolio Asset Allocations

In addition to the TSP account, at least one whole IRA and part of the other would need to go to bonds to start with a 50/50 stock:bond ratio. It sounds like you've stablized around a current/initial AA of 50/50. I don't think you've expressed a specific target for US / Int'l stock. Your current Li...
by jbran99
Sat Dec 29, 2012 10:52 am
 
Forum: Investing - Help with Personal Investments
Topic: Request for Comments on Portfolio Asset Allocations
Replies: 17
Views: 1551

Re: Request for Comments on Portfolio Asset Allocations

Welcome to the forum! I'm commenting mostly to give you a bump. I'm more of a lurker, not a poster, but I'll try and weigh in... TSP: 325k (100% Lifecycle 2030?) IRA-1: 65k (100% VFINX) IRA-2: 64k (100% VFSTX after conversion) Initial Taxable acct: 357k in 65% Stocks - [85% VTSAX , 15% VTMGX] ; 35% ...
by jbran99
Fri Dec 28, 2012 9:44 pm
 
Forum: Investing - Help with Personal Investments
Topic: Request for Comments on Portfolio Asset Allocations
Replies: 17
Views: 1551

Re: Advice on "substantial similarity" under Wash Sale Rule

However, if you have a real-life example of two generally available mutual funds that (in your opinion) would fail the wash sale test, I would love to see them. I realize you weren't asking me specifically, but in my opinion (but not one necessarily shared by the IRS or anyone else for that matter)...
by jbran99
Sun Dec 02, 2012 11:15 pm
 
Forum: Investing - Help with Personal Investments
Topic: Advice on "substantial similarity" under Wash Sale Rule
Replies: 76
Views: 3693

Re: New 401k, New Options - Best of the Worst?

Congratulations on jbran99Jr. We've got our first on the way in July. Thanks much - I'm sure it's going to be a wild ride! You currently seem to be well under your target 20% bond allocation. I absolutely am, but that will be remedied in the next 6-12 months as I better allocate His Roth IRA away f...
by jbran99
Sat May 26, 2012 9:17 am
 
Forum: Investing - Help with Personal Investments
Topic: New 401k, New Options - Best of the Worst?
Replies: 14
Views: 898

Re: New 401k, New Options - Best of the Worst?

Yeah, we need to know what's in your 401k. The TR fund complicates the issue. How so? No matter what I have in His 401k, would you really consider anything from Her 401k beside S&P500 or S&P500 + S&P400? Once I make that decision, I can use the Roth IRA(s) to get to appropriate market w...
by jbran99
Sat May 26, 2012 9:08 am
 
Forum: Investing - Help with Personal Investments
Topic: New 401k, New Options - Best of the Worst?
Replies: 14
Views: 898

Re: New 401k, New Options - Best of the Worst?

I'd go with the Large Cap and Mid-Cap funds in market weight, and try to pick up Small in your other accounts. Be a bit of a headache to rebalance, but close enough is good enough. I was thinking along the same lines. Therefore, I thought rebalancing might be easier if I did 100% in the LargeCap in...
by jbran99
Fri May 25, 2012 2:53 pm
 
Forum: Investing - Help with Personal Investments
Topic: New 401k, New Options - Best of the Worst?
Replies: 14
Views: 898

Re: New 401k, New Options - Best of the Worst?

Ages: 33/29 (first kid on the way in late Aug) Is wife quitting employment in August? If so, do a rollover of her 401k to an IRA at Vanguard at that time. She enjoys working and it's a good company, so the current plan is to stay there for many years. She expects to go back after maternity leave; t...
by jbran99
Fri May 25, 2012 10:19 am
 
Forum: Investing - Help with Personal Investments
Topic: New 401k, New Options - Best of the Worst?
Replies: 14
Views: 898

New 401k, New Options - Best of the Worst?

Hi all. I've been lurking for a number of months and I've appreciated all I've learned on the forums and Wiki. I expected my first post to be a portfolio analysis in a few months, after I make more progress on simplifying my portfolio (based on what I've already learned), but my wife recently found ...
by jbran99
Thu May 24, 2012 10:33 pm
 
Forum: Investing - Help with Personal Investments
Topic: New 401k, New Options - Best of the Worst?
Replies: 14
Views: 898

Return to advanced search