Search found 312 matches

Return to advanced search

Re: The Biggest Risk

I suppose putting my investment portfolio into the hands of an advisor for 7 years. Other than that I have not made any substantial risky bets on anything at all.

I suppose my biggest risk currently is putting a smallish portion of my portfolio into small caps and emerging markets.
by red5
Tue Jan 27, 2015 10:56 am
 
Forum: Investing - Theory, News & General
Topic: The Biggest Risk
Replies: 18
Views: 1927

Re: Refund from the IRS? Why?

Forced savings. While it is not as good as consciously saving those same dollars if they came to you in a paycheck it is better than spending those same dollars and not saving them at all in the first place (in terms of saving).
by red5
Tue Jan 27, 2015 8:59 am
 
Forum: Personal Finance (Not Investing)
Topic: Refund from the IRS? Why?
Replies: 45
Views: 4164

Re: Selling mutual fund to buy ETF - "out of market" risk

You and the above posters already have some good ideas. If this is taxable then could you take the approximate amount of dollars [from somewhere else, checking/savings] that will be involved in this transaction and invest it into your sweep account today. I think after a day these funds would be ava...
by red5
Thu Jan 22, 2015 4:42 am
 
Forum: Investing - Help with Personal Investments
Topic: Selling mutual fund to buy ETF - "out of market" risk
Replies: 17
Views: 832

Re: 7 nights- Scotland or Ireland?

If it were me I'd choose Scotland. But you won't go wrong with Ireland either. Both are fantastic.
by red5
Tue Jan 20, 2015 5:05 am
 
Forum: Personal Consumer Issues
Topic: 7 nights- Scotland or Ireland?
Replies: 31
Views: 1992

Re: What's Your International % and Why?

30% of equities (or .3 * .84 of total portfolio).

Why? I don't know, it seemed to be about the norm around here when I created my portfolio.
by red5
Mon Jan 19, 2015 5:32 am
 
Forum: Investing - Theory, News & General
Topic: What is the international portion of your portfolio and why?
Replies: 130
Views: 9565

Re: The DOW: An Index I Love to Hate

One good thing about the DOW is it goes back to 1896 while the S&P 500 (in its current form) only goes back to 1957. Other than that...
by red5
Mon Jan 19, 2015 5:30 am
 
Forum: Investing - Theory, News & General
Topic: The DOW: An Index I Love to Hate
Replies: 27
Views: 1935

Re: Baby Boomer Retirement Bubble?

Would that there are more Gen Xers and Millenials than there are Boomers have any merit in this discussion? There are presumably still many folks contributing to the markets as Boomers are withdrawing. I guess I don't buy his suggestion but then again I am very much a lay person. I believe there are...
by red5
Wed Jan 14, 2015 6:16 am
 
Forum: Investing - Theory, News & General
Topic: Baby Boomer Retirement Bubble?
Replies: 7
Views: 1057

Re: Tap IRA early or use SS early ??

Nobody gets out alive. That's one thing I am not sure how to include in this decision. Taking early is best if you die in your 60s or 70s. A male that makes it to 62 has only a 60% chance of living to 80 and a female has a 70% chance, based on SS actuarial tables. I personally like to think that wa...
by red5
Tue Jan 13, 2015 3:52 am
 
Forum: Personal Finance (Not Investing)
Topic: Tap IRA early or use SS early ??
Replies: 121
Views: 7081

Re: first time investing

Check out the Bogleheads Wiki page and head to the "Getting Started" section. Investing can be very easy and simple, as easy as getting a single retirement or lifecycle fund.

Do lots of reading.
by red5
Mon Jan 12, 2015 4:30 am
 
Forum: Investing - Help with Personal Investments
Topic: first time investing
Replies: 3
Views: 385

Re: What is the international portion of your portfolio and

Well DISVX is about 60% medium and 40% small and micro according to Morningstar.com. VFSVX has about 2% large, 58% medium and 40% small/micro according to Morningstar.com. It looks like DISVX has a bit more of a value tilt. They also differ a bit of the physical locations of the companies included. ...
by red5
Sat Jan 10, 2015 4:58 am
 
Forum: Investing - Theory, News & General
Topic: What is the international portion of your portfolio and why?
Replies: 130
Views: 9565

Re: Is my HVAC (heat pump) really dead?

OP,

I am very close to you and my heat hump has been running 98% of the day today just to maintain 63 degrees! We went through a similar spell last January and the heat pump did the same thing. Just ran constantly all night and the majority of the day.
by red5
Thu Jan 08, 2015 5:09 pm
 
Forum: Personal Consumer Issues
Topic: Is my HVAC (heat pump) really dead?
Replies: 54
Views: 3051

Re: Anyone ever charged Vanguard ETF commission

Just got off the phone with a Vanguard rep. Although she did not say others were experiencing issues it may be similar to what mrboast was mentioning. I was indeed charged $7.00 commission [she did say I was not currently in a correction file so the system could not have picked up on this] on two tr...
by red5
Tue Jan 06, 2015 8:55 am
 
Forum: Investing - Theory, News & General
Topic: Anyone ever [incorrectly] charged Vanguard ETF commission
Replies: 12
Views: 980

Re: Let's Celebtate! Which funds are you buying in 2015?

International, emerging markets, small cap international, US bonds. That is what my AA is telling me to get.
by red5
Tue Jan 06, 2015 8:24 am
 
Forum: Investing - Theory, News & General
Topic: Let's Celebrate! Which funds are you buying in 2015?
Replies: 48
Views: 3592

Re: Anyone ever charged Vanguard ETF commission

These are my first two trades since January 2014. This will leave me with a negative sweep account balance since I already invested the rest into another mutual fund. I was just curious if this sort of thing had happened to anyone else before.
by red5
Tue Jan 06, 2015 7:35 am
 
Forum: Investing - Theory, News & General
Topic: Anyone ever [incorrectly] charged Vanguard ETF commission
Replies: 12
Views: 980

Anyone ever [incorrectly] charged Vanguard ETF commission

Good morning, Wondering if anyone has ever been charged $7.00 for a vanguard ETF commission within a Vanguard brokerage account? Yesterday I made two ETF transactions and in both instances as I was making the trade the screen clearly stated that the estimated commission charge was $0.00. Then this m...
by red5
Tue Jan 06, 2015 5:59 am
 
Forum: Investing - Theory, News & General
Topic: Anyone ever [incorrectly] charged Vanguard ETF commission
Replies: 12
Views: 980

Re: [Annual POLL] What was your 2014 return?

Can someone tell me why my return was so low this year? Return: 4.76% XIRR. This puts me in the bottom 11% of Bogleheads apparently. My portfolio is the 4-Fund Ultimate Buy and Hold : 19% Total Stock Market (VTSAX) 19% Small-Cap Value (VSIAX) 19% FTSE All World (VFWSX) 19% FTSE All World Small-Cap ...
by red5
Mon Jan 05, 2015 1:16 pm
 
Forum: Investing - Theory, News & General
Topic: [Annual POLL] What was your 2014 return?
Replies: 144
Views: 14090

Re: Why not just follow John Bogle

I often scratch my head in dismay when reading so many here follow advice from other respected professionals who seem to have more complicated and inferior advice from John Bogle. I admit I don't know much about Paul Merriman or David Swensen but when I see people talking about their suggestions th...
by red5
Sun Jan 04, 2015 8:48 am
 
Forum: Investing - Theory, News & General
Topic: Why not just follow John Bogle
Replies: 78
Views: 5912

Re: Poll: How long have you been with your current AA?

Not sure what kind of information you intend to glean from this. For those who have only been investing for a year or two then all they can answer is a year or two. For those who have been investing for a long long time but changed their AA a couple years ago then they will answer the same.
by red5
Sat Jan 03, 2015 1:23 pm
 
Forum: Investing - Theory, News & General
Topic: Poll: How long have you been with your current AA?
Replies: 44
Views: 2475

Re: [Annual POLL] What was your 2014 return?

6.7% using XIRR in Excel.

My portfolio is approximately:
60% US with moderate SCV tilt
25% Intl with half of it tilted to SC and emerging markets.
15% fixed income (mostly G fund but also some investment grade corporates)
by red5
Fri Jan 02, 2015 3:35 am
 
Forum: Investing - Theory, News & General
Topic: [Annual POLL] What was your 2014 return?
Replies: 144
Views: 14090

Re: 2015 BOGLEHEAD CONTEST REGISTRATION

1854.50
by red5
Fri Jan 02, 2015 3:24 am
 
Forum: Investing - Theory, News & General
Topic: 2015 BOGLEHEAD CONTEST REGISTRATION
Replies: 556
Views: 19740

Re: POLL: What are your monthly food expenses?

$315 per month, family 4.
by red5
Wed Dec 24, 2014 9:18 am
 
Forum: Personal Finance (Not Investing)
Topic: POLL: What are your monthly food expenses?
Replies: 67
Views: 4882

Re: We cut the (Cable/Satellite TV) Cord!

Reception of FOX has shown to be less reliable, so some antenna fiddling may be in my future. I laugh because we certainly had some "fiddling" issues when we first cut the cord two years ago. NBC was always easy to receive but CBS and FOX would never ever come in at the same time. So on S...
by red5
Tue Dec 16, 2014 10:52 am
 
Forum: Personal Consumer Issues
Topic: We cut the (Cable/Satellite TV) Cord!
Replies: 45
Views: 4495

Re: Very uncomfortable phone call w/Vanguard about Beneficia

On my birthday Vanguard sent an e-mail suggesting I check my beneficiaries. Low and behold I ran into a similar issue. I was able to check and change my fund beneficiaries but I was not able to do so with my VBS funds. I sent them an e-mail asking about this and they replied back stating that yes th...
by red5
Tue Dec 16, 2014 10:47 am
 
Forum: Personal Finance (Not Investing)
Topic: Very uncomfortable phone call w/Vanguard about Beneficiaries
Replies: 37
Views: 6335

Re: Childrens watch

Thank you for your very quick replies. I'll add that I only mentioned the metal band because the few other kid watches seemed to not be durable enough.
by red5
Mon Dec 15, 2014 12:31 pm
 
Forum: Personal Consumer Issues
Topic: Childrens watch
Replies: 5
Views: 400

Childrens watch

Hey folks, Any recommendations for a watch for a 7 year old boy? Perhaps something with a metal bracelet band. He does not want a character watch and he wants analog. All stores seem to have those cheap plastic character watches and he has indeed gone through a couple of them. They do not last very ...
by red5
Mon Dec 15, 2014 11:46 am
 
Forum: Personal Consumer Issues
Topic: Childrens watch
Replies: 5
Views: 400

Re: Better Costs: ETFs or Admiral Shares?

There will be a difference between the admiral fund and the etf but the difference could be so small it would be meaningless. Here is a graph of VTSAX and VTI over the last 13 years. Total Stock admiral versus etf There is a SIX dollar difference over 13 years. How about the SP 500? This will have t...
by red5
Mon Dec 15, 2014 5:37 am
 
Forum: Investing - Theory, News & General
Topic: Better Costs: ETFs or Admiral Shares?
Replies: 53
Views: 3913

Re: Help with seeing tax consequences, scenios for low incom

Create a dry run through taxact or turbotax and input your guesses for various forms of income; freelance income, roth distributions, traditional distributions, dividends, interest, etc. Then go through the various deductions, such as EITC, savers credit, student loan interest, etc. Once you have yo...
by red5
Fri Dec 12, 2014 4:08 am
 
Forum: Personal Finance (Not Investing)
Topic: Help with seeing tax consequences, scenerios for low income
Replies: 7
Views: 943

Re: What is your opinion about "tilting?"

The thing about tilting is....it's very easy and simple to do. I find it no more difficult at all than going with the much talked about 3-fund portfolio. I find it just as easy to figure out percentages for 6 funds as with 3 funds. This may not be the case for other people, but it is for me. I just ...
by red5
Thu Dec 11, 2014 6:05 pm
 
Forum: Investing - Theory, News & General
Topic: What is your opinion about "tilting?"
Replies: 116
Views: 9374

Re: Wash Sale Question in Reverse

Yes, it is a wash sale if the "replacement shares" you purchased the other day were purchased within 30 (or 31?) days of your capital loss, before and after. You can still execute the trade if you like however but some or all of your loss will not be deductible and you'll need to note this...
by red5
Thu Dec 11, 2014 11:18 am
 
Forum: Investing - Help with Personal Investments
Topic: Wash Sale Question in Reverse
Replies: 4
Views: 275

Re: Don't Peek

I "peek" once a week. For me there has been no negative consequence...yet. I did fine through the 2007-2009 market and I did fine through the 2011 market. The advice not to peek for years cannot hardly be meant for every single investor.
by red5
Thu Dec 11, 2014 8:59 am
 
Forum: Investing - Theory, News & General
Topic: Don't Peek [at Your Portfolio Balance]
Replies: 33
Views: 3958

Re: VTI Fee Savings Until Admiral-Ready (VSTAX)?

How long do you expect it to take until you reach $10,000? For the reason that Livesoft mentioned I would go with the "higher" fee VTSMX over VTI until you have 10k.
by red5
Thu Dec 11, 2014 8:56 am
 
Forum: Investing - Help with Personal Investments
Topic: VTI Fee Savings Until Admiral-Ready (VTSAX)?
Replies: 15
Views: 1050

Re: What is your opinion about "tilting?"

I tilt but not much in the case that my tilts over a 30 to 60 year investing cycle do not pan out. Approximately [at the moment]: Total US Stock 4 : US Small Cap Value 1 Total International 2 : Small Cap Intl 1 : Emerging Market 1 I have no idea if others would consider that to be light/moderate/hea...
by red5
Wed Dec 10, 2014 9:16 am
 
Forum: Investing - Theory, News & General
Topic: What is your opinion about "tilting?"
Replies: 116
Views: 9374

Re: 2014 Portfolio Returns

Should wait a few weeks, but I am 7.4% for the year, 84/16 with a bit of small cap value, small international and emerging market slices.
by red5
Mon Dec 08, 2014 12:35 pm
 
Forum: Investing - Theory, News & General
Topic: 2014 Portfolio Returns
Replies: 25
Views: 2719

Re: How do you rebalance?

Like others, via contributions. I also, however, will rebalance via bands if they ever require yet.
by red5
Wed Dec 03, 2014 4:15 am
 
Forum: Investing - Theory, News & General
Topic: How do you rebalance?
Replies: 40
Views: 3214

Re: How to you assess your rate of return?

XIRR in Microsoft Excel. Depending on how detailed you want you can get your investing return since you first started investing, yearly returns, monthly returns...You can get individual fund returns or whole portfolio returns. It just depends on how much you value knowing your own historical returns...
by red5
Tue Dec 02, 2014 12:02 pm
 
Forum: Investing - Theory, News & General
Topic: How to you assess your rate of return?
Replies: 12
Views: 813

Re: Selling a rented house

Bottom line is you are the owner, and you can just give her 30 days notice to get out than do what you want. But I would try to sell it to her, if not an option I would work with her on a move out date. Especially if she has been a good low stress tenant. Yes, please consider the human element of t...
by red5
Mon Dec 01, 2014 4:41 am
 
Forum: Personal Finance (Not Investing)
Topic: Selling a rented house
Replies: 39
Views: 3169

Re: Vacuum Cleaner Suggestions Please

We have a Shark Navigator and are happy with it. It replaced an old Hoover Wind Tunnel, which I also liked, but the Shark is much more versatile, is bagless, lighter, has good suction, a bare floor mode and is significantly less money than a Dyson. It does have a narrower vacuum path than I am used...
by red5
Fri Nov 28, 2014 4:33 am
 
Forum: Personal Consumer Issues
Topic: Vacuum Cleaner Suggestions Please
Replies: 17
Views: 2345

Re: Investing in 100 Words

I like it. Nothing technical really, just simple and sensible language that anyone can understand and learn from.
by red5
Tue Nov 25, 2014 5:29 am
 
Forum: Investing - Theory, News & General
Topic: Investing in 100 Words
Replies: 19
Views: 1969

Re: Animal vacuums?

I am looking for a new vacuum as now I have a small shorthair dog and I want to get something that will last and get out all the pet hair even though she is not much of a shedder. I am not opposed to spending money if I know I am getting something that will work well and last. I am finally retiring...
by red5
Mon Nov 24, 2014 4:38 am
 
Forum: Personal Consumer Issues
Topic: Animal vacuums?
Replies: 5
Views: 593

Re: Outperforming the Indexes

Just some thoughts: -I'd personally nix the DOW and Nasdaq. -I would have expected the shorter time period results (1 month) to be closer to 50% outperforming and 50% underperforming. -From your results the longer time periods show a greater percentage of funds outperforming? I would have assumed th...
by red5
Thu Nov 20, 2014 10:07 am
 
Forum: Investing - Help with Personal Investments
Topic: Outperforming the Indexes
Replies: 13
Views: 3644

Re: How to buy happiness (WSJ)

3. Buy experiences not things for luxury consumption Would this include buying a BOAT, MOTORCYCLE, OR RV - for the experiences or would this be considered luxury consumption? In my opinion, absolutely. Some experiences require some kind of product. My camping gear itself does not make me happy, but...
by red5
Sun Nov 16, 2014 5:43 am
 
Forum: Personal Consumer Issues
Topic: How to buy happiness (WSJ)
Replies: 31
Views: 3733

Re: Cheapest "dumbphone" and plan for texting only?

I spend about 7 bucks a month for a plain old Tracfone plan, which gives me about 70 minutes per month (using promo codes)... The phone itself is Samsung and is cheap.

I think texts are around .3 minutes/units each to receive and send. I can't recall exactly.
by red5
Fri Nov 14, 2014 12:19 pm
 
Forum: Personal Consumer Issues
Topic: Cheapest "dumbphone" and plan for texting only?
Replies: 7
Views: 828

Re: Outperforming the index

This are the numbers I got from Morningstar

They show the 2 mutual funds following the SP 500 closely.
by red5
Fri Nov 07, 2014 10:26 am
 
Forum: Investing - Theory, News & General
Topic: Outperforming the index
Replies: 8
Views: 744

Re: ObamaCare vs. Private Insurance??

You can tell by he letters at the end of the policy number for metal plans. The doctor only cares if it is a plan that reimburses very poorly and often less than operating costs (several of them are less than Medicare and Medicaid). Additionally, there are several policy rules that make it very una...
by red5
Fri Nov 07, 2014 9:19 am
 
Forum: Personal Finance (Not Investing)
Topic: ObamaCare vs. Private Insurance??
Replies: 105
Views: 12163

Re: ObamaCare vs. Private Insurance??

... I am a physician, and I can tell you that many physicians are reluctant to accept patients with the Obamacare plans when they have a choice. If you have the opportunity to purchase (or keep) a non-Obamacare health insurance product, I would keep it for now while the whole Obamacare thing gets w...
by red5
Fri Nov 07, 2014 8:50 am
 
Forum: Personal Finance (Not Investing)
Topic: ObamaCare vs. Private Insurance??
Replies: 105
Views: 12163

Re: Will you critique my portfolio?

Hello, everyone. This is my first post, although I've enjoyed reading this board for a while. I am 29 years old and I've been investing (with Vanguard) since the age of 18. The only problem is that, due to lack of investing education, I pulled my money out in 2008 and didn't reinvest until earlier ...
by red5
Thu Nov 06, 2014 5:04 am
 
Forum: Investing - Help with Personal Investments
Topic: Will you critique my portfolio?
Replies: 2
Views: 357

Re: AA...any other crazy 80/20 folks out there?

Why are folks who are 80/20 crazy? I'm a bit more aggressive than 80/20 and I don't consider it crazy.
by red5
Wed Nov 05, 2014 8:57 am
 
Forum: Investing - Help with Personal Investments
Topic: AA...any other crazy 80/20 folks out there?
Replies: 57
Views: 5240

Re: What do you set your thermostat to (in F)?

63*, 24/7, when the temps stay cold indefinitely. If it is expected to warm up to upper 60's the furnace will probably just stay off all day and night long, even if the house dips into the 50s and we'll use windows to warm up the place.
by red5
Wed Nov 05, 2014 8:15 am
 
Forum: Personal Consumer Issues
Topic: What do you set your thermostat to (in F)?
Replies: 81
Views: 4820

Re: Check my TLH math

...I thought I would have to wait 31 days to sell any lots in Fund A to prevent a wash sale. Is that not correct? That is my understanding. In order to prevent a wash sale (which is legal) then replacement shares must not be bought 30 (or 31?) days before or after a capital loss is realised. So yes...
by red5
Fri Oct 31, 2014 9:19 am
 
Forum: Investing - Help with Personal Investments
Topic: Check my TLH math
Replies: 16
Views: 1127

Re: Checking monthly - may not even notice the October "cras

I usually update my spreadsheet on the 1st of every month... Looks like when I update it on Nov 1st, there's a good chance it won't even register all the craziness of the last 3 weeks, even though the news and even the Boglehead forum had tons of shows and posts about the "crash" The sky ...
by red5
Wed Oct 29, 2014 8:25 am
 
Forum: Investing - Theory, News & General
Topic: Checking monthly - may not even notice the October "crash"
Replies: 51
Views: 4542
Next

Return to advanced search