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Re: At What Point do you take the Gain/Loss & Move?

Thanks for the replies... Over the past hour, I did a quick routine in Excel to analyze, on a fund by fund basis, when you could justify the move. The calculation is simple: How much is in the fund now; how much gain do you have that you would pay taxes on; what is the expected return (based on a lo...
by jimt1000
Mon Jul 29, 2013 8:13 pm
 
Forum: Investing - Help with Personal Investments
Topic: At What Point do you take the Gain/Loss & Move?
Replies: 13
Views: 1187

At What Point do you take the Gain/Loss & Move?

I'm in the process of moving a very sliced and diced portfolio to a simple Core 3 Portfolio based on Total Market and Bond ETFs. This means, obviously, I've got to sell my existing mutual funds in the sliced portfolio, recognize the gain or loss, and ultimately pay capital gains on the total gains I...
by jimt1000
Mon Jul 29, 2013 7:03 pm
 
Forum: Investing - Help with Personal Investments
Topic: At What Point do you take the Gain/Loss & Move?
Replies: 13
Views: 1187

Re: 2014 - 2015; Bonds in a Lazy Portfolio???

I'm comfortable with the real estate as the property I'm referencing, even during the real estate bubble a la 08/09, didn't drop. Didn't gain either during those years, but proved very, very stable and resilient. On the matter of the stocks versus bonds, I'm equally comfortable with investing in bot...
by jimt1000
Sun Jul 28, 2013 9:32 am
 
Forum: Investing - Help with Personal Investments
Topic: 2014 - 2015; Bonds in a Lazy Portfolio???
Replies: 15
Views: 2145

Re: 2014 - 2015; Bonds in a Lazy Portfolio???

Your points are well taken about the property and thanks... No, it won't be income producing, however, I live in a very stable area of a major metropolitan area and this property is one of only a few green spaces around me. As such, it is in very high demand for development. I plan on buying it and ...
by jimt1000
Sun Jul 28, 2013 4:53 am
 
Forum: Investing - Help with Personal Investments
Topic: 2014 - 2015; Bonds in a Lazy Portfolio???
Replies: 15
Views: 2145

Re: 2014 - 2015; Bonds in a Lazy Portfolio???

All great comments.... And I inherently agree. It's the "human" side tugging at me not to pour money into bonds now when it looks like they're just going to languish for now. Having said that, there is one minor, well, actually major, item I left out of my initial description of my positio...
by jimt1000
Sun Jul 28, 2013 2:42 am
 
Forum: Investing - Help with Personal Investments
Topic: 2014 - 2015; Bonds in a Lazy Portfolio???
Replies: 15
Views: 2145

2014 - 2015; Bonds in a Lazy Portfolio???

The question of investing in bonds right now is all over the map given the uptick in interest rates, Detroit problems, etc., etc., etc. There have been great posts on staying the course and holding to a bond allocation in your portfolio; however, I'm in the process of completely adjusting my portfol...
by jimt1000
Sat Jul 27, 2013 10:52 pm
 
Forum: Investing - Help with Personal Investments
Topic: 2014 - 2015; Bonds in a Lazy Portfolio???
Replies: 15
Views: 2145

Muni Bonds in your Bond Allocation

I'm thinking of adding a slice of a Muni Bond ETF such as TFI or MUB to my Bond Allocation within my portfolio which will be comprised of a core Total Bond Market ETF (BND). My portfolio account is taxable. I am in a high income tax bracket, but don't plan on pulling any money from this portfolio un...
by jimt1000
Fri Jul 26, 2013 8:55 am
 
Forum: Investing - Help with Personal Investments
Topic: Muni Bonds in your Bond Allocation
Replies: 6
Views: 1163

Re: Total Bonds vs TIPS vs Tax Free Muni Bonds

Thanks to all. This is helpful. To those that advocate adding a slice of tax free bonds or TIPS, is there any data that supports this position as based on the past 5 or 10 years of performance (I realize that TIPS aren't that old) as compared to just keeping it simple and putting all your bond alloc...
by jimt1000
Thu Jul 25, 2013 8:23 am
 
Forum: Investing - Help with Personal Investments
Topic: Total Bonds vs TIPS vs Tax Free Muni Bonds
Replies: 7
Views: 1020

Re: Total Bonds vs TIPS vs Tax Free Muni Bonds

My citing performance is really only a tangential data point; not to be related to the essence of the basic question. Sorry for drawing attention to the performance. The question remains as stated above: in the end of the analysis, is it worth including slices of TIPS and Tax Free Muni's in your ove...
by jimt1000
Thu Jul 25, 2013 7:04 am
 
Forum: Investing - Help with Personal Investments
Topic: Total Bonds vs TIPS vs Tax Free Muni Bonds
Replies: 7
Views: 1020

Total Bonds vs TIPS vs Tax Free Muni Bonds

I'm in the process of finalizing a Core 4 Lazy Portfolio (as per Rick Ferri) and I'm studying the bond component. My base situation is I'll be moving about $5 million into the portfolio, and I'm in a high tax bracket going forward. I'm OK with the overall allocation (I'm going to be putting 30% in b...
by jimt1000
Thu Jul 25, 2013 4:58 am
 
Forum: Investing - Help with Personal Investments
Topic: Total Bonds vs TIPS vs Tax Free Muni Bonds
Replies: 7
Views: 1020

Re: Adjusting My Portfolio - ETFs vs Mut Funds

Ok, after much further study, I've gotten comfortable with moving towards a pure Core 4 model (vis-a-vis the Rick Ferri Core 4 model) without further slicing and dicing in terms of getting into Muni Bonds, TIPS, etc. From an analysis of long term returns, it seems that "simpler is better" ...
by jimt1000
Fri Jul 19, 2013 5:23 pm
 
Forum: Investing - Help with Personal Investments
Topic: Adjusting My Portfolio - ETFs vs Mut Funds
Replies: 13
Views: 1080

Re: Adjusting My Portfolio - ETFs vs Mut Funds

Great advice and replies... Thanks... I need to do some more studying before I "jump." Regards...
by jimt1000
Wed May 29, 2013 11:46 am
 
Forum: Investing - Help with Personal Investments
Topic: Adjusting My Portfolio - ETFs vs Mut Funds
Replies: 13
Views: 1080

Adjusting My Portfolio - ETFs vs Mut Funds

I'm going to be migrating my very "sliced and diced" portfolio to a Core Four (as per Ferri) model. I have several million to migrate over time, probably a year or so, as I manage the taxable events of the sales and transfers. I'm going to move to a classic Cour Four model of Index Bonds, ...
by jimt1000
Sat May 25, 2013 1:58 pm
 
Forum: Investing - Help with Personal Investments
Topic: Adjusting My Portfolio - ETFs vs Mut Funds
Replies: 13
Views: 1080

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