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Re: Moving from Vanguard to Fidelity

VTI has substantial average daily volume (much more than ITOT) and a typical low bid/ask spread. I would use VTI over ITOT myself unless the commission was more than 0.1% of the total transaction. At WellsTrade both have no commission. This is an issue with no-commission ETFs. Who would want to use ...
by livesoft
Thu Dec 18, 2014 10:22 am
 
Forum: Investing - Help with Personal Investments
Topic: Moving from Vanguard to Fidelity
Replies: 6
Views: 212

Re: Moving from Vanguard to Fidelity

Killing TGH?

One can move some VTI in-kind and some shares can be liquidated before moving, so that you move some cash and some shares.

FSTVX probably has an early redemption fee which you may not want to be annoyed with.
by livesoft
Thu Dec 18, 2014 9:59 am
 
Forum: Investing - Help with Personal Investments
Topic: Moving from Vanguard to Fidelity
Replies: 6
Views: 212

Re: Moving from Vanguard to Fidelity

FSTVX is also possibility.
by livesoft
Thu Dec 18, 2014 9:57 am
 
Forum: Investing - Help with Personal Investments
Topic: Moving from Vanguard to Fidelity
Replies: 6
Views: 212

Re: RBD in Emerging Markets Brewing

Futures show opening of better than 1%. This week shows the interaction of a Fed meeting, a Putin news conference, drop in oil prices, Cuba things, dividend distributions, and tax-loss harvesting.

So what are you going to buy at the open?
by livesoft
Thu Dec 18, 2014 9:24 am
 
Forum: Investing - Theory, News & General
Topic: RBD in Emerging Markets Brewing
Replies: 34
Views: 2630

Re: Effect of 0.79 correlation: fantasy vs. reality

Any rebalancing going on here? If so, what method of rebalancing? Rebalance on lowest day of year for small caps? Bands? A calendar date?
by livesoft
Thu Dec 18, 2014 9:12 am
 
Forum: Investing - Theory, News & General
Topic: Effect of 0.79 correlation: fantasy vs. reality
Replies: 11
Views: 336

Re: Confused with Full Transfer TDA to VG

I think Vanguard believes that "liquidate" means transfer to Vanguard, then let Vanguard sell. Vanguard says on their web site that the cost to sell a transaction fee fund is $35 for someone who has no status. ( https://personal.vanguard.com/pdf/v414.pdf ) TDAmeritrade believes that if the...
by livesoft
Thu Dec 18, 2014 9:06 am
 
Forum: Investing - Help with Personal Investments
Topic: Confused with Full Transfer TDA to VG
Replies: 2
Views: 98

Re: VNQ versus FSRVX? [Vanguard vs. Fidelity REIT Index]

If this is a 401(k), then I would use FSRVX hands down. No commissions and the ability to invest a dollar amount regularly without worry.

I would not plan to hold 25 years though unless you meant you would also be rebalancing during that time.
by livesoft
Thu Dec 18, 2014 2:01 am
 
Forum: Investing - Help with Personal Investments
Topic: VNQ versus FSRVX? [Vanguard vs. Fidelity REIT Index]
Replies: 5
Views: 663

Re: Ski questions from a Southerner

For one day, I would buy long johns and wear jeans over them. Besides that, I would not even go the first time for one day.

One will need good gloves or mittens, good hats and probably good goggles in addition to one's blue jeans.
by livesoft
Wed Dec 17, 2014 8:47 pm
 
Forum: Personal Consumer Issues
Topic: Ski questions from a Southerner
Replies: 19
Views: 773

Re: Newbie and how to manage a large inheritance

The stock market is not for playing. Folks who play end up losing lots of money. They pay. Get serious and get a plan. This forum is good, but reading some books will demonstrate the seriousness that this deserves. Please pick two or three books from the recommended reading list and read them.
by livesoft
Wed Dec 17, 2014 8:35 pm
 
Forum: Investing - Help with Personal Investments
Topic: Newbie and how to manage a large inheritance
Replies: 9
Views: 741

Re: Close to Roth IRA limit should I do Roth or Back door?

We are waiting until 2015 to make our 2014 Roth IRA contributions. We will not know our total income until after December 31, 2014. I do not see what your hurry is to make a Roth contribution in 2014 or even to try to do a traditional contribution in 2014. You have until April 2015 to figure this ou...
by livesoft
Wed Dec 17, 2014 7:31 pm
 
Forum: Investing - Help with Personal Investments
Topic: Close to Roth IRA limit should I do Roth or Back door?
Replies: 11
Views: 944

Re: Buying "timing" question

I don't quite understand why you would not buy Int'l in Roth while on sale. Then as you buy more Int'l in taxable, simply exchange the Int'l in Roth to whatever you want instead of Int'l. And if you sell Int'l for a loss in the Roth, you can still buy immediately in taxable. There would be no wash s...
by livesoft
Wed Dec 17, 2014 7:22 pm
 
Forum: Investing - Help with Personal Investments
Topic: Buying "timing" question
Replies: 11
Views: 865

Re: Help me understand taxes with non-retirement accounts

IRS Publication 550 is a great primer on taxes with non-retirement accounts. It is also very easy to read. Find it on the internet easily, too.
by livesoft
Wed Dec 17, 2014 7:08 pm
 
Forum: Investing - Help with Personal Investments
Topic: Help me understand taxes with non-retirement accounts
Replies: 24
Views: 1162

Re: Favorite sweaters (cashmere or merino)

Who cares about value! You want a conversation piece, so a sweater from Norway or a sweater from New Zealand (merino + possum).
by livesoft
Wed Dec 17, 2014 4:55 pm
 
Forum: Personal Consumer Issues
Topic: Favorite sweaters (cashmere or merino)
Replies: 1
Views: 238

Re: Need help with men's exercise clothes please

I would suggest acrylic socks and possibly a thin sock and a normal sock. Article about acrylic vs cotton: http://www.aapsm.org/socknov97.html At the same time, Herring and Richie published their studies demonstrating the superiority of acrylic fibers over cotton fibers in preventing the frequency a...
by livesoft
Wed Dec 17, 2014 4:38 pm
 
Forum: Personal Consumer Issues
Topic: Need help with men's exercise clothes please
Replies: 54
Views: 2827

Re: Need help with men's exercise clothes please

Synthetic socks can be pretty inexpensive. I use acrylic socks at about $10 for 4 pair. gold-toe makes acrylic socks, too. I cannot use cotton socks. As for bleeding, even the synthetic shirts can cause nipple bleeding if the shirts are loose and thus move across the chest creating friction. Form-fi...
by livesoft
Wed Dec 17, 2014 4:27 pm
 
Forum: Personal Consumer Issues
Topic: Need help with men's exercise clothes please
Replies: 54
Views: 2827

Re: RBD in Emerging Markets Brewing

One has to realize that the Fed had a meeting. There is almost always some action after the end of the Fed meeting. The meeting just happened to coincide with the ruble debacle along with some big international funds about to go ex-dividend and tax-loss harvesting season. All these things point to h...
by livesoft
Wed Dec 17, 2014 3:21 pm
 
Forum: Investing - Theory, News & General
Topic: RBD in Emerging Markets Brewing
Replies: 34
Views: 2630

Re: Do you own VTI, VB, VWO, VEA, VSS, VNQ? Allocation quest

Livesoft is indeed suggesting market timing, and there's no way to know what the future holds for REITs or Emerging Markets. There are valuations and analyses that might suggest whether or not something is over/under-valued, but there's no silver bullet there. At the beginning of 2014, REITs were u...
by livesoft
Wed Dec 17, 2014 3:16 pm
 
Forum: Investing - Help with Personal Investments
Topic: Do you own VTI, VB, VWO, VEA, VSS, VNQ? Allocation question
Replies: 22
Views: 1725

Re: RBD in Emerging Markets Brewing

Yes, quite a volatile day as expected. I suppose some people are taking advantage of the action. :)
by livesoft
Wed Dec 17, 2014 3:13 pm
 
Forum: Investing - Theory, News & General
Topic: RBD in Emerging Markets Brewing
Replies: 34
Views: 2630

Re: Charitable Contribution from IRA

Check the law. It has probably changed. One can also search for
QCD IRA 2014
for more info. And here's a link to read:
https://www.irahelp.com/slottreport/tag ... stribution

It doesn't exist anymore (but may be re-instated).
by livesoft
Wed Dec 17, 2014 1:25 pm
 
Forum: Personal Finance (Not Investing)
Topic: Charitable Contribution from IRA
Replies: 13
Views: 467

Re: Better Costs: ETFs or Admiral Shares?

Tangentially related to costs, but curious about people's error rate when exchanging funds vs. trading ETFs. I once made a mistake with an exchange (moved into the wrong "Intermediate Term... " fund) but I've never made a mistake with an ETF trade. I never picked the wrong fund, but I pic...
by livesoft
Wed Dec 17, 2014 8:18 am
 
Forum: Investing - Theory, News & General
Topic: Better Costs: ETFs or Admiral Shares?
Replies: 52
Views: 3377

Re: Unwinding this large 19 fund portfolio

On the TLH thing, I can contrast at least 2 scenarios: 1. Sell all old positions in 2014 and buy index funds in 2014. Pay cap gains taxes in 2014. If the new index funds lose money and need TLHing in 2015, then do that. 2. Sell some old positions in 2014 and buy index funds with the money in 2014. P...
by livesoft
Wed Dec 17, 2014 8:17 am
 
Forum: Investing - Help with Personal Investments
Topic: Unwinding this large 19 fund portfolio
Replies: 13
Views: 1376

Re: Planning next year Roth conversion (child tax credit)

The way I will do Roth conversion calculations in 2015 is use TurboTax with our real numbers in December 2015. One may also wish to fill up to the top of the 15% tax bracket depending on personal circumstances. In the meantime, I suppose estimating conversion amounts is a nice exercise, but when it ...
by livesoft
Wed Dec 17, 2014 3:35 am
 
Forum: Personal Finance (Not Investing)
Topic: Planning next year Roth conversion (child tax credit)
Replies: 10
Views: 642

Re: ETFs vs Mutual Funds

Sounds good to me.

Since ETFs were introduced, mutual funds have improved. Do you remember how hard it used to be to specifically identify the shares of a mutual fund one was selling in order to tax loss harvest them?
by livesoft
Tue Dec 16, 2014 9:10 pm
 
Forum: Investing - Help with Personal Investments
Topic: ETFs vs Mutual Funds
Replies: 10
Views: 874

Re: Do you own VTI, VB, VWO, VEA, VSS, VNQ? Allocation quest

My worry would be that sounds a lot like market timing. […] Of course I'm a hypocrite though by saying that because I'm overweighting small cap, emerging markets and REITs. Of course it is market timing, but so what? If you are going to overweight, then your rebalancing would be considered market t...
by livesoft
Tue Dec 16, 2014 8:32 pm
 
Forum: Investing - Help with Personal Investments
Topic: Do you own VTI, VB, VWO, VEA, VSS, VNQ? Allocation question
Replies: 22
Views: 1725

Re: Better Costs: ETFs or Admiral Shares?

Thanks for the clarification. Folks have reported that Fidelity essentially re-invests the dividend the same day the ETF goes ex-dividend, so essentially no time out of the market. What do you think of that?
by livesoft
Tue Dec 16, 2014 7:39 pm
 
Forum: Investing - Theory, News & General
Topic: Better Costs: ETFs or Admiral Shares?
Replies: 52
Views: 3377

Re: 100% bonds in inherited IRA - does it make sense?

I think it makes sense to do that. OTOH, if you really want to reduce the RMD, why not invest in something practically guaranteed to lose some money instead?
by livesoft
Tue Dec 16, 2014 7:34 pm
 
Forum: Investing - Help with Personal Investments
Topic: 100% bonds in inherited IRA - does it make sense?
Replies: 4
Views: 390

Re: Having my year end review with my manager, what to expec

Let me twist this around a little bit: Put yourself in your manager's shoes. Do you think they like these year-end reviews? If you were the manager, how would you conduct this review?
by livesoft
Tue Dec 16, 2014 7:11 pm
 
Forum: Personal Consumer Issues
Topic: Having my year end review with my manager, what to expect?
Replies: 3
Views: 650

Re: Better Costs: ETFs or Admiral Shares?

I've never had my bond ETF dividends 36 days out of the market unintentionally.
by livesoft
Tue Dec 16, 2014 6:27 pm
 
Forum: Investing - Theory, News & General
Topic: Better Costs: ETFs or Admiral Shares?
Replies: 52
Views: 3377

Re: Unwinding this large 19 fund portfolio

You are on the right track, but "if a TLH appears" is fairly vague, isn't it? If the loss is less than $1,000 or less than 3% or some other chosen value, then one probably would not TLH unless a RBD (really bad day) also happened. It seems everybody has their own minimum requirement for a ...
by livesoft
Tue Dec 16, 2014 6:24 pm
 
Forum: Investing - Help with Personal Investments
Topic: Unwinding this large 19 fund portfolio
Replies: 13
Views: 1376

Re: Upcoming distributions and TLH

If the dividend is qualified (holding for 61 days) does it make sense to capture the dividend as long as it is not re-invested and do the TLH the day after to capture a bigger loss? For some people it probably does. For folks who want to minimze AGI who already have more than enough carryover losse...
by livesoft
Tue Dec 16, 2014 6:19 pm
 
Forum: Investing - Help with Personal Investments
Topic: Upcoming distributions and TLH
Replies: 15
Views: 976

Re: Do you own VTI, VB, VWO, VEA, VSS, VNQ? Allocation quest

Welcome. I would prefer a portfolio as described in the Trev H thread: http://www.bogleheads.org/forum/viewtopic.php?t=38374 I would not overweight emerging markets because, frankly, it way underperforms for long stretches at time. I fully believe that one should buy it when it is low and sell it wh...
by livesoft
Tue Dec 16, 2014 6:13 pm
 
Forum: Investing - Help with Personal Investments
Topic: Do you own VTI, VB, VWO, VEA, VSS, VNQ? Allocation question
Replies: 22
Views: 1725

Re: ETFs vs Mutual Funds

Uh-oh. I suggest you read the prospectuses of any investments before you buy them. Oh, you just asked if they had prospectuses. :)
by livesoft
Tue Dec 16, 2014 4:30 pm
 
Forum: Investing - Help with Personal Investments
Topic: ETFs vs Mutual Funds
Replies: 10
Views: 874

Re: Vanguard's International Small Cap Fund -ETF vs Mutual F

Why do I feel so dirty after reading what petrico wrote?
by livesoft
Tue Dec 16, 2014 4:24 pm
 
Forum: Investing - Theory, News & General
Topic: Vanguard's International Small Cap Fund -ETF vs Mutual Fund
Replies: 15
Views: 1464

Re: Upcoming distributions and TLH

Vanguard has published everything at its web site. Search for "2014 year-end" at Vanguard.com and click away. This strategy does seem to be correct. I will be following the strategy. However, it could backfire. Suppose the day out of the market, the funds in question go up 2.5% (entirely p...
by livesoft
Tue Dec 16, 2014 4:20 pm
 
Forum: Investing - Help with Personal Investments
Topic: Upcoming distributions and TLH
Replies: 15
Views: 976

Re: Better Costs: ETFs or Admiral Shares?

ogd wrote:I don't think SpringMan is saying anything other than timing. Which overall is a small issue (36 days out of the market, for the dividends).

There must be a typo in this.
by livesoft
Tue Dec 16, 2014 4:19 pm
 
Forum: Investing - Theory, News & General
Topic: Better Costs: ETFs or Admiral Shares?
Replies: 52
Views: 3377

Re: Better Costs: ETFs or Admiral Shares?

A bond ETF pays out dividends. The way this happens is not the same as with a stock ETF (or fund). With a stock ETF, the NAV drops by the same amount as the dividend (if the dividend is 1%, the NAV or trading price drops 1%). This is not the same with a bond ETF (or fund, for that matter). I think ...
by livesoft
Tue Dec 16, 2014 4:16 pm
 
Forum: Investing - Theory, News & General
Topic: Better Costs: ETFs or Admiral Shares?
Replies: 52
Views: 3377

Re: Quick question on how vanguard calculates fund returns

Total Return is always dividends plus price change.
Performance is always Total Return.

You can chart "growth of" at Morningstar.com which is Total Return if you chart a mutual fund as the first thing to chart.
by livesoft
Tue Dec 16, 2014 3:56 pm
 
Forum: Investing - Help with Personal Investments
Topic: Quick question on how vanguard calculates fund returns
Replies: 1
Views: 248

Re: Smartphone Cases

I use a cheap Spigen case. Spigen also has a plastic film to cover the glass. The film is easily replaced.
by livesoft
Tue Dec 16, 2014 2:09 pm
 
Forum: Personal Consumer Issues
Topic: Smartphone Cases
Replies: 10
Views: 819

Re: Need help with men's exercise clothes please

FWIW, the laundry care tags of both Nike and UnderArmour garments that I have state "Do not use softeners."
by livesoft
Tue Dec 16, 2014 2:06 pm
 
Forum: Personal Consumer Issues
Topic: Need help with men's exercise clothes please
Replies: 54
Views: 2827

Re: Better Costs: ETFs or Admiral Shares?

So do we all agree that SpringMan's thing about dividends and T+1 and T+3 does not hold water?
by livesoft
Tue Dec 16, 2014 1:37 pm
 
Forum: Investing - Theory, News & General
Topic: Better Costs: ETFs or Admiral Shares?
Replies: 52
Views: 3377

Re: Unwinding this large 19 fund portfolio

So this will slowly become a 3-fund portfolio over the next couple years - is our plan of postponing TLH the new funds sound? I do not see any benefit from postponing TLH of anything. Perhaps you could explain a bit more of the reasoning? If by "new funds", you mean the Vanguard index fun...
by livesoft
Tue Dec 16, 2014 12:48 pm
 
Forum: Investing - Help with Personal Investments
Topic: Unwinding this large 19 fund portfolio
Replies: 13
Views: 1376

Re: Foreign tax credit if I sell?

I think it is possibly more complicated than grabiner has described. It also depends on the tax rate that the dividends will get taxed at. If the shares being tax-loss harvested (sold at a loss) have been held less than holding period to be considered qualified, then the tax rate goes up to one's ma...
by livesoft
Tue Dec 16, 2014 12:32 pm
 
Forum: Investing - Theory, News & General
Topic: Foreign tax credit if I sell?
Replies: 14
Views: 1144

Re: ETFs vs Mutual Funds

Your questions are frequently asked, so folks wrote up the answers ahead of time for you to read. Here they are:
http://www.bogleheads.org/wiki/ETFs_vs_mutual_funds
by livesoft
Tue Dec 16, 2014 12:08 pm
 
Forum: Investing - Help with Personal Investments
Topic: ETFs vs Mutual Funds
Replies: 10
Views: 874

Re: TLH question

Right, no wash sale here.

See the threads about how the upcoming distributions will have an effect.
by livesoft
Tue Dec 16, 2014 11:37 am
 
Forum: Investing - Help with Personal Investments
Topic: TLH question
Replies: 6
Views: 644

Re: Will I get my Q4 dividend if I TLH now ?

I intend to sell VEA the day before it goes ex-dividend and then buy something else the next day after that something else goes ex-dividend. I am not going to wait 30 days. With things having dropped so quickly so much, my hypothesis is that there is a higher probability of going up more than going ...
by livesoft
Tue Dec 16, 2014 11:27 am
 
Forum: Investing - Theory, News & General
Topic: Will I get my Q4 dividend if I TLH now ?
Replies: 4
Views: 370

Re: Need help with men's exercise clothes please

Vinegar sounds great, but be aware that acetic acid (and its fumes) will cause corrosion (rust) of metal (including stainless steel). So if you are going to make this a long-term treatment, I would not do the pre-soak in the washer itself, but would do it in a plastic tub and outside.
by livesoft
Tue Dec 16, 2014 11:22 am
 
Forum: Personal Consumer Issues
Topic: Need help with men's exercise clothes please
Replies: 54
Views: 2827

Re: Will I get my Q4 dividend if I TLH now ?

Technically, the answer is that the money for the Q4 dividend is currently embedded in the current NAV (price) of the shares, so yes, you will get the value of the Q4 dividend if you sell now. In other words, it doesn't matter when you sell, you will not lose the value of distribution no matter what...
by livesoft
Tue Dec 16, 2014 11:11 am
 
Forum: Investing - Theory, News & General
Topic: Will I get my Q4 dividend if I TLH now ?
Replies: 4
Views: 370

Re: WHY is retirement enjoyable / something to look forward

There have to be different factors for different people. I think one's brain remodels its neuron connections, so that one is no longer gung-ho. Also, when one is younger one is exposed to relatively new things all the time and gets new challenges. When the promotions stop and one starts moving sidew...
by livesoft
Tue Dec 16, 2014 9:01 am
 
Forum: Personal Consumer Issues
Topic: WHY is retirement enjoyable / something to look forward to?
Replies: 135
Views: 6464

Re: Unwinding this large 19 fund portfolio

It is amazing to me how relatively small the unrealized capital gain are. The owner of this portfolio must have been pay taxes out the wazoo over the years. Where was the CPA over the years? With the pullbacks in the markets, there is an opportunity to get switched over to index funds over the next ...
by livesoft
Tue Dec 16, 2014 8:46 am
 
Forum: Investing - Help with Personal Investments
Topic: Unwinding this large 19 fund portfolio
Replies: 13
Views: 1376

Re: White Coat Investor in Forbes

EmergDoc has done something impressive with his blog and website and book. Well deserved kudos to him. To put it in perspective, he probably gets more "hits" and attention nowadays than many of the long-time financial journalists. It is even likely that EmergDoc's work is decreasing the pr...
by livesoft
Tue Dec 16, 2014 8:04 am
 
Forum: Investing - Theory, News & General
Topic: White Coat Investor in Forbes
Replies: 22
Views: 3697
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