Search found 37 matches

Return to advanced search

Re: please help explaining, short, intermediate, and long bo

The reason that I went with treasuries (knowing that they weren't as tax efficient) was to provide downside protection for my stocks. I am currently in the 25% bracket and 5% at the state level. Do you think that I should increase my muni amount and decrease treasury? Maybe 30/20 instead of 25/25? ...
by lbs22
Thu Aug 01, 2013 1:16 pm
 
Forum: Investing - Help with Personal Investments
Topic: please help explaining, short, intermediate, and long bonds
Replies: 11
Views: 665

Re: please help explaining, short, intermediate, and long bo

50% stocks ~35% Total stock market ~ 15% Total international market 50% bonds ~25% Intermediate Treasuries ~ 25% Intermediate Muni's Anyone feel free to give any suggestions! This sounds good for a taxable account. It's in fact pretty close to mine, although I use more international and more muni (...
by lbs22
Thu Aug 01, 2013 12:54 pm
 
Forum: Investing - Help with Personal Investments
Topic: please help explaining, short, intermediate, and long bonds
Replies: 11
Views: 665

Re: please help explaining, short, intermediate, and long bo

i think anyone who would participate in this thread should know that op doesn't listen to advice very well. your time might be better spent talking to a brick wall some where. http://www.bogleheads.org/forum/viewtopic.php?f=1&t=120145&p=1755467#p1755467 http://www.bogleheads.org/forum/viewt...
by lbs22
Thu Aug 01, 2013 12:03 pm
 
Forum: Investing - Help with Personal Investments
Topic: please help explaining, short, intermediate, and long bonds
Replies: 11
Views: 665

Re: please help explaining, short, intermediate, and long bo

lbs22: generally speaking, it doesn't make sense to do your own blend rather than going with a fund. First off, the fund already owns a range of maturities. E.g. for IT treasury (a fund I too own), see http://portfolios.morningstar.com/fund/summary?t=VFIUX&region=USA&culture=en-US , and scr...
by lbs22
Thu Aug 01, 2013 11:38 am
 
Forum: Investing - Help with Personal Investments
Topic: please help explaining, short, intermediate, and long bonds
Replies: 11
Views: 665

Re: please help explaining, short, intermediate, and long bo

What you are proposing is called the bond barbell strategy. See this for a decent explanation - http://www.learnbonds.com/barbell-strategy-what-it-is-and-how-it-works/ Whether it makes any significant difference will depend on the size of your bond portfolio. I personally wouldn't bother until your...
by lbs22
Thu Aug 01, 2013 11:32 am
 
Forum: Investing - Help with Personal Investments
Topic: please help explaining, short, intermediate, and long bonds
Replies: 11
Views: 665

Re: please help explaining, short, intermediate, and long bo

Also, if I did include short and long term, I would blend the % to match the current int duration.
by lbs22
Thu Aug 01, 2013 11:18 am
 
Forum: Investing - Help with Personal Investments
Topic: please help explaining, short, intermediate, and long bonds
Replies: 11
Views: 665

please help explaining, short, intermediate, and long bonds

I currently own two bond funds. I own vanguard intermediate treasury fund and vanguard intermediate muni fund. I was wondering if there would be any benefit to splitting up the allocation in those funds to include short and long term or does it balance out in the end? For example: Would it be better...
by lbs22
Thu Aug 01, 2013 10:18 am
 
Forum: Investing - Help with Personal Investments
Topic: please help explaining, short, intermediate, and long bonds
Replies: 11
Views: 665

Re: any help is appreciated!

Are muni funds risk not generally worth the tax efficiency? You probably should actually tell us your tax rate federal + state/state tax rate to provide provide more insight. My federal bracket is 25% and about 5% for the state. Ok so given the current returns, what would a 30% reduction in the VG ...
by lbs22
Fri Jul 26, 2013 1:10 pm
 
Forum: Investing - Help with Personal Investments
Topic: any help is appreciated!
Replies: 21
Views: 1523

Re: any help is appreciated!

What do you all think about having a little bit of a TIPS fund in my portfolio too?
by lbs22
Fri Jul 26, 2013 8:25 am
 
Forum: Investing - Help with Personal Investments
Topic: any help is appreciated!
Replies: 21
Views: 1523

Re: any help is appreciated!

And I expect to be in those brackets for some time.
by lbs22
Thu Jul 25, 2013 8:40 am
 
Forum: Investing - Help with Personal Investments
Topic: any help is appreciated!
Replies: 21
Views: 1523

Re: any help is appreciated!

JamesSFO wrote:
lbs22 wrote:Are muni funds risk not generally worth the tax efficiency?


You probably should actually tell us your tax rate federal + state/state tax rate to provide provide more insight.


My federal bracket is 25% and about 5% for the state.
by lbs22
Wed Jul 24, 2013 1:49 pm
 
Forum: Investing - Help with Personal Investments
Topic: any help is appreciated!
Replies: 21
Views: 1523

Re: any help is appreciated!

Are muni funds risk not generally worth the tax efficiency?
by lbs22
Wed Jul 24, 2013 6:57 am
 
Forum: Investing - Help with Personal Investments
Topic: any help is appreciated!
Replies: 21
Views: 1523

Re: any help is appreciated!

The only thing I'll suggest is simplify the bond portion by just going with the short or intermediate term bond index. Since you specified a shorter horizon of less than 10 years, I'd prefer the short term total bond index. Do you think that I should not hold any Munis as my bond portion even thoug...
by lbs22
Tue Jul 23, 2013 10:55 am
 
Forum: Investing - Help with Personal Investments
Topic: any help is appreciated!
Replies: 21
Views: 1523

Re: any help is appreciated!

I consider myself a pretty risk adverse person and I think I could stay the course during a fairly large drop. So you do not see any benefit in me being in a treasury fund? (for diversification or inverse to stock) Do you think 50/50 VTI and Vanguard int muni fund would be better than the above all...
by lbs22
Sun Jul 21, 2013 1:24 pm
 
Forum: Investing - Help with Personal Investments
Topic: any help is appreciated!
Replies: 21
Views: 1523

Re: any help is appreciated!

Thank you for your input. Perhaps I will dial down my stock allocation some. I just thought that since I was flexible with the timing, I could afford to take more risk. I think the point is to understand the level of risk you are taking better and just how flexible you are. As for the all munis. I ...
by lbs22
Sun Jul 21, 2013 12:09 pm
 
Forum: Investing - Help with Personal Investments
Topic: any help is appreciated!
Replies: 21
Views: 1523

Re: any help is appreciated!

(1) Remember to save money to pay taxes (2) 7-10 years could turn out to be a challengingly short length of time to have 50% of the money in the stock market. What do the age-based college savings plans have at for age 16 (~3 years to college thus ~7 years to end of college) [arguably you could pic...
by lbs22
Sun Jul 21, 2013 11:14 am
 
Forum: Investing - Help with Personal Investments
Topic: any help is appreciated!
Replies: 21
Views: 1523

any help is appreciated!

After reading and asking some questions on this board I am thinking I might go with the plan below: I was hoping that you all could help me with my proposed asset allocation plan. I just received an inheritance of about $200k. I am planning on investing it for 7-10 years (I then plan on buying a hom...
by lbs22
Sun Jul 21, 2013 1:25 am
 
Forum: Investing - Help with Personal Investments
Topic: any help is appreciated!
Replies: 21
Views: 1523

Re: Young person needs portfolio advice

Any thoughts on this?
by lbs22
Sat Jul 20, 2013 12:18 pm
 
Forum: Investing - Help with Personal Investments
Topic: Young person needs portfolio advice
Replies: 10
Views: 990

Re: Young person needs portfolio advice

What do you all think about me going with:

50% VTI
25% Vanguard Intermediate Muni fund
25 % Vanguard Intermediate Treasury fund

Thank you all for your help!
by lbs22
Fri Jul 19, 2013 7:25 pm
 
Forum: Investing - Help with Personal Investments
Topic: Young person needs portfolio advice
Replies: 10
Views: 990

Re: Young person needs portfolio advice

Thank you all for your help! I am ok with going with either ETFs or mutual funds. Also, shouldn't the muni fund be better for me in any tax rate? (Since it is yielding more than other taxable funds) So do you think 40/60 is a good allocation for me? I am going to add some international to my stock a...
by lbs22
Fri Jul 19, 2013 7:08 am
 
Forum: Investing - Help with Personal Investments
Topic: Young person needs portfolio advice
Replies: 10
Views: 990

Re: Young person needs portfolio advice

I have also thought about taking some (Maybe 5-10%) of the amount in SHM and put in BSV. What do you all think? or maybe some CD's?
by lbs22
Thu Jul 18, 2013 3:32 pm
 
Forum: Investing - Help with Personal Investments
Topic: Young person needs portfolio advice
Replies: 10
Views: 990

Young person needs portfolio advice

After reading and asking some questions on this board I am thinking I might go with the plan below: I was hoping that you all could help me with my proposed asset allocation plan. I just received an inheritance of about $200k. I am planning on investing it for 7-10 years (I then plan on buying a hom...
by lbs22
Thu Jul 18, 2013 12:40 pm
 
Forum: Investing - Help with Personal Investments
Topic: Young person needs portfolio advice
Replies: 10
Views: 990

Re: Young person needs asset allocation advice

Thank you all for your help! I am going to think about using it all for retirement. If I decide that I still want to use it in 7-10 years, then how do you think the portfolio itself would look?
by lbs22
Fri Jul 12, 2013 11:07 pm
 
Forum: Investing - Help with Personal Investments
Topic: Young person needs asset allocation advice
Replies: 5
Views: 422

Young person needs asset allocation advice

I posted yesterday about a separate allocation idea and then today my brother thought of this idea and I really like it and wanted to get you all's thoughts on it! I was hoping that you all could help me with my proposed asset allocation plan. I just received an inheritance of about $200k. I am plan...
by lbs22
Fri Jul 12, 2013 4:25 pm
 
Forum: Investing - Help with Personal Investments
Topic: Young person needs asset allocation advice
Replies: 5
Views: 422

Re: Please help with asset allocation plan

So would you suggest me doing 50/50 VTI and BND in my taxable account? And should I leave any in a savings account or CD?
by lbs22
Fri Jul 12, 2013 2:18 pm
 
Forum: Investing - Help with Personal Investments
Topic: Please help with asset allocation plan
Replies: 18
Views: 1132

Re: HYD Market Vectors high yield ETF

So do you think I would receive similar results and volitility with cutting what I was going to put in HYD in half. And putting half into a short term muni fund and half into my equity allocation?
by lbs22
Fri Jul 12, 2013 1:40 pm
 
Forum: Investing - Help with Personal Investments
Topic: HYD Market Vectors high yield ETF
Replies: 6
Views: 285

Re: Please help with asset allocation plan

Do you all think that it would be better for me to change the portfolio slightly and become a little more aggressive (I can handle the market swings) Maybe the new portfolio will look like this: 25% HYD 25% SHM 25 % VTI 25 % VDC (To get the growth but also cut down on volitility) Let me know what ev...
by lbs22
Fri Jul 12, 2013 1:37 pm
 
Forum: Investing - Help with Personal Investments
Topic: Please help with asset allocation plan
Replies: 18
Views: 1132

Re: HYD Market Vectors high yield ETF

The reason that I was wanting to go with HYD vs MUB is the yield is much much higher (as well as the risk) Also, the reason that I was leaning more towards and etf was because I can not find a fund that yields this much. Even Vanguard's high yield fund has a much lower yield.
by lbs22
Fri Jul 12, 2013 1:21 pm
 
Forum: Investing - Help with Personal Investments
Topic: HYD Market Vectors high yield ETF
Replies: 6
Views: 285

HYD Market Vectors high yield ETF

Does anyone have any thoughts on this etf in a taxable portfolio? I am planning on mixing it and SHM (A short term, high quality muni fund) for my bond allocation, since I do not have any tax advantaged space.
by lbs22
Fri Jul 12, 2013 12:56 pm
 
Forum: Investing - Help with Personal Investments
Topic: HYD Market Vectors high yield ETF
Replies: 6
Views: 285

Re: Please help with asset allocation plan

Thank you! Which type of Muni fund did you go with in your taxable? Also, I didn't go into depth with rebalancing but what you are outlining was my plan (Only adjusting my buying of new funds to try to get close to rebalenced and not selling existing holdings) The dollar-cost average is a good idea....
by lbs22
Fri Jul 12, 2013 12:31 pm
 
Forum: Investing - Help with Personal Investments
Topic: Please help with asset allocation plan
Replies: 18
Views: 1132

Re: Please help with asset allocation plan

Unfortunately, I do not have any tax sheltered space for bonds. Do you think that putting BND in a taxable account will not eat away too much of my returns because of taxes? Also the CD's that I am looking at are paying about 1.6%
by lbs22
Fri Jul 12, 2013 11:23 am
 
Forum: Investing - Help with Personal Investments
Topic: Please help with asset allocation plan
Replies: 18
Views: 1132

Re: Please help with asset allocation plan

Thank you! I will definitely consider not buying the house in cash! It is sounded like you all are thinking that I should be slightly more aggressive in my portfolio and increase the stock portion. What do you all think about the bond funds that I have selected?
by lbs22
Fri Jul 12, 2013 8:58 am
 
Forum: Investing - Help with Personal Investments
Topic: Please help with asset allocation plan
Replies: 18
Views: 1132

Re: Please help with asset allocation plan

Anyone else have any thoughts on this?
by lbs22
Fri Jul 12, 2013 6:31 am
 
Forum: Investing - Help with Personal Investments
Topic: Please help with asset allocation plan
Replies: 18
Views: 1132

Re: Please help with asset allocation plan

I appreciate your help! When you say a tax exempt bond fund do you mean an intermediate term fund? Or maybe a combination of the two funds that I have? So are you thinking that the allocation is not risky enough? And that my return might lag behind? I also consider myself to be risk adverse and even...
by lbs22
Thu Jul 11, 2013 10:48 pm
 
Forum: Investing - Help with Personal Investments
Topic: Please help with asset allocation plan
Replies: 18
Views: 1132

Re: Please help with asset allocation plan

I appreciate your help! When you say a tax exempt bond fund do you mean an intermediate term fund? Or maybe a combination of the two funds that I have? So are you thinking that the allocation is not risky enough? And that my return might lag behind? I also consider myself to be risk adverse and even...
by lbs22
Thu Jul 11, 2013 9:29 pm
 
Forum: Investing - Help with Personal Investments
Topic: Please help with asset allocation plan
Replies: 18
Views: 1132

Re: Please help with asset allocation plan

I also forgot to add that I am planning on adding $1-2k a month to this portfolio and also plan on rebalancing about one a month.
by lbs22
Thu Jul 11, 2013 4:52 pm
 
Forum: Investing - Help with Personal Investments
Topic: Please help with asset allocation plan
Replies: 18
Views: 1132

Please help with asset allocation plan

I was hoping that you all could help me with my proposed asset allocation plan. I just received an inheritance of about $200k. I am planning on investing it for 7-10 years (I then plan on buying a home in cash and I am flexible about when I actually do that) In the meantime, I will not need any of t...
by lbs22
Thu Jul 11, 2013 3:42 pm
 
Forum: Investing - Help with Personal Investments
Topic: Please help with asset allocation plan
Replies: 18
Views: 1132

Return to advanced search