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Convince me to lump sum into the market

A month or so after a recent seven figure windfall, I'm getting ready to execute my portfolio plan which calls for a reasonable equities allocation. I'm not one to normally time the market, but I'm really not feeling very confident about getting into the market at this level. That's why I'm thinking...
by jimbob56
Sun Apr 27, 2014 4:17 am
 
Forum: Investing - Help with Personal Investments
Topic: Convince me to lump sum into the market
Replies: 57
Views: 11285

Re: Help with asset allocation post-windfall

Ok, so given that 90% of the overall portfolio will have to be in a taxable account, converting all tax deferred account space to fixed would still leave me with 30% fixed to put in a taxable account... What would you suggest for that 30%?
by jimbob56
Wed Apr 09, 2014 4:49 am
 
Forum: Investing - Help with Personal Investments
Topic: Help with asset allocation post-windfall
Replies: 6
Views: 640

Re: Help with asset allocation post-windfall

Ok, so maybe I'm over-thinking the whole thing, but how else should I set asset allocation for a chunk of funds I didn't have a month ago, but which will be with me going forward? Clearly, the short-term stuff gets put in ultra-safe investments (taxes, car, house downpayment). College and retirement...
by jimbob56
Wed Apr 09, 2014 1:59 am
 
Forum: Investing - Help with Personal Investments
Topic: Help with asset allocation post-windfall
Replies: 6
Views: 640

Help with asset allocation post-windfall

Our family (we're both 39, married with 2 young kids) just had a windfall that multiplied our net worth by about 7x (after 2014 federal and California taxes are paid off). I already read the windfall section of the wiki, so we're already pretty much in tune with most of the recommendations there... ...
by jimbob56
Tue Apr 08, 2014 9:21 pm
 
Forum: Investing - Help with Personal Investments
Topic: Help with asset allocation post-windfall
Replies: 6
Views: 640

Re: How do Bogleheads sell a concentrated position in an IPO

Wow. I can't imagine why they wouldn't have managed that better (not that that is very helpful). Seriously, though, bankers are supposed to help companies manage this. So far as I can tell, this so-called 'low float' IPO strategy has become sort of in vogue for recent IPOs: http://online.wsj.com/ne...
by jimbob56
Wed Dec 25, 2013 1:55 am
 
Forum: Personal Finance (Not Investing)
Topic: How do Bogleheads sell a concentrated position in an IPO?
Replies: 11
Views: 1127

Re: How do Bogleheads sell a concentrated position in an IPO

Valuethinker wrote:Because OP is no longer with the firm, he may have been missed re the grapevine. Is there anyone he can contact at the company to ask?


It's a good point... I have a couple contacts and will make a point of asking if they've heard anything.
by jimbob56
Wed Dec 25, 2013 12:36 am
 
Forum: Personal Finance (Not Investing)
Topic: How do Bogleheads sell a concentrated position in an IPO?
Replies: 11
Views: 1127

Re: How do Bogleheads sell a concentrated position in an IPO

I'd be curious how many shares are going to be unlocked at the same time yours are, and how that compares to the average daily volume and the float. That could inform better advice here. In general, I'd be inclined to get out of the position with all deliberate speed but without moving the market. ...
by jimbob56
Mon Dec 23, 2013 11:49 am
 
Forum: Personal Finance (Not Investing)
Topic: How do Bogleheads sell a concentrated position in an IPO?
Replies: 11
Views: 1127

Re: How do Bogleheads sell a concentrated position in an IPO

Are you allowed to trade the options (puts/calls) if they even exist yet? Could do something creative there to at least partially lock in the gains. Yeah, one of my first thoughts was to create a zero-cost collar with options to lock in the price. Technically, I could do it, but I'd be in breach of...
by jimbob56
Mon Dec 23, 2013 11:40 am
 
Forum: Personal Finance (Not Investing)
Topic: How do Bogleheads sell a concentrated position in an IPO?
Replies: 11
Views: 1127

How do Bogleheads sell a concentrated position in an IPO?

The company I used to work for is having its post-IPO lockup expiration soon. I was a very early employee many years ago and managed to leave with vested shares that may net me seven figures after taxes. A few points, followed by a question: 1. One thing is clear: the stock I own needs to be sold. I...
by jimbob56
Mon Dec 23, 2013 2:49 am
 
Forum: Personal Finance (Not Investing)
Topic: How do Bogleheads sell a concentrated position in an IPO?
Replies: 11
Views: 1127

What's a safe place to put $1M for a year?

Expecting a windfall next year and need a relatively safe place to put $1M+ much of which may be needed to cover taxes the year after. VFSUX (Short-Term Investment-Grade Admiral) seems to be all I could come up with that actually yields anything, but not even sure that's sufficiently safe as looking...
by jimbob56
Thu Dec 12, 2013 3:46 am
 
Forum: Investing - Help with Personal Investments
Topic: What's a safe place to put $1M for a year?
Replies: 6
Views: 1417

Re: How would you deal with a serious offer for pre-IPO shar

I don't understand. You write you have been contacted multiple times and only followed up on one of them to get an offer. Then you write you would be more comfortable if you had other offers to compare it to. So get the other offers. Well, I haven't had a lot of contacts, just four so far and three...
by jimbob56
Fri Feb 01, 2013 5:08 am
 
Forum: Investing - Help with Personal Investments
Topic: How would you deal with a serious offer for pre-IPO shares?
Replies: 14
Views: 1526

Re: How would you deal with a serious offer for pre-IPO shar

If you are a shareholder, you may be, and likely are, entitled to the financials, and probably can make a books and records request as well. Depends on state law and state of incorporation. Interesting, I never considered that. They're a Delaware Corp. I left the company 4 years ago and sort of ass...
by jimbob56
Fri Feb 01, 2013 3:17 am
 
Forum: Investing - Help with Personal Investments
Topic: How would you deal with a serious offer for pre-IPO shares?
Replies: 14
Views: 1526

Re: How would you deal with a serious offer for pre-IPO shar

I've actually checked SecondMarket before, but there doesn't seem to be any way to gauge share prices for my company (though it is listed there). It seems as if the company itself needs to sign up and allow SecondMarket to broker trades, which it hasn't done. Even then, it looks like the company sti...
by jimbob56
Fri Feb 01, 2013 3:14 am
 
Forum: Investing - Help with Personal Investments
Topic: How would you deal with a serious offer for pre-IPO shares?
Replies: 14
Views: 1526

How would you deal with a serious offer for pre-IPO shares?

I was an early employee for a company I left about four years ago. I was able to negotiate a reasonable options package which I exercised long ago for only a few thousand dollars. Up until a couple years ago, i had assumed the 'lottery ticket' would never pay out. Well, as it turns out, it looks lik...
by jimbob56
Fri Feb 01, 2013 12:49 am
 
Forum: Investing - Help with Personal Investments
Topic: How would you deal with a serious offer for pre-IPO shares?
Replies: 14
Views: 1526

Anyone understand share conversion during IPO?

The company that I used to work for is *possibly* going to IPO in 2013. Ok, I know what you're all thinking: stop counting your chickens before they're hatched.... I worked at this company up until 3 years ago and vested and exercised all of my options while I worked there (I was a very early employ...
by jimbob56
Sat Sep 29, 2012 4:04 am
 
Forum: Investing - Help with Personal Investments
Topic: Anyone understand share conversion during IPO?
Replies: 0
Views: 97

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