Bogleheads.org

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!

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...

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!

self-serving bump (Sat night probably wasn't the best initial post time!)

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.

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...

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 ...

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 ...

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...

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...

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...

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...

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 ...

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...

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...

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 ...

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...

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.

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...

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...

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% ...

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)...

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...

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...

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...

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...

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 ...