Search found 459 matches

by red5
Tue Jun 30, 2015 4:53 am
Forum: Investing - Help with Personal Investments
Topic: Newbie Q: VGTSX Admiral Share return lower than Investor Share?
Replies: 3
Views: 430

Re: Newbie Q: VGTSX Admiral Share return lower than Investor Share?

Shan, Here are a few Morningstar growth charts which show how much $10,000 invested in each fund. I used VGTSX and VTIAX. One would expect VTIAX to slightly outperform VGTSX in each time frame. Year to Date One Year Three Year I don't think the admiral fund was around five years ago so those are the...
by red5
Mon Jun 29, 2015 3:47 am
Forum: Investing - Help with Personal Investments
Topic: Untouched 1980s fund - Seems Cost Basis = Market Value!?
Replies: 9
Views: 1035

Re: Untouched 1980s fund - Seems Cost Basis = Market Value!?

Well the NAV has been relatively "flat" since 1987. Perhaps all / most your returns have come via the dividend (which have been taxed all along the way).

NAV chart
by red5
Fri Jun 26, 2015 4:53 am
Forum: Investing - Help with Personal Investments
Topic: Dividend Distribution Question
Replies: 8
Views: 1043

Re: Dividend Distribution Question

Could someone please explain to me the advantage of "taking" your distributions from taxable fund accounts in lieu of "reinvesting" this income? I'm still a bit confused about the advantage of doing this. P.S. - I am now newly retired. Thanks! I think this stems mainly from the ...
by red5
Wed Jun 24, 2015 5:45 am
Forum: Personal Finance (Not Investing)
Topic: Moving to LCOL state
Replies: 19
Views: 2288

Re: Moving to LCOL state

We moved from a cold LCOL state to a hot (and humid) LCOL state a few years ago and bought a house right away. This area has MANY job opportunities compared to our old state. Taxes are low here, winters are merely cool (nice), home prices are low, many cultural opportunities, relatively safe... How...
by red5
Wed Jun 24, 2015 5:43 am
Forum: Personal Finance (Not Investing)
Topic: Moving to LCOL state
Replies: 19
Views: 2288

Re: Moving to LCOL state

mintster wrote:Can you tell us why the other half never liked the LCOL hot/warm state


Although I fully acknowledge all the of the positives that come with living in South Carolina it just isn't "home". I grew up in rural northern New England and enjoy that lifestyle, even with its disadvantages.
by red5
Wed Jun 24, 2015 5:41 am
Forum: Personal Consumer Issues
Topic: Moving to Florida from Northeast with pre-school age kid
Replies: 9
Views: 948

Re: Moving to Florida from Northeast with pre-school age kid

Why the thought of moving to Florida (perhaps Tampa area): - Searching for better climate. Too cold during winter here. - Probably slightly lower cost of living overall. To live in an area with good public education system, it seems the house prices are roughly about 80% of where he lives now. Fact...
by red5
Tue Jun 23, 2015 4:40 am
Forum: Personal Finance (Not Investing)
Topic: Moving to LCOL state
Replies: 19
Views: 2288

Re: Moving to LCOL state

Considering a move to a warmer state with more job opportunities. 1. Is it a good idea to buy house right away or rent (throw money away??) for couple more years before deciding. One side wants to make sure the warmer (hot) weather suits the family and health stays manageable. But the other side is...
by red5
Sat Jun 20, 2015 5:18 am
Forum: Investing - Help with Personal Investments
Topic: I need help from a math nerd...
Replies: 7
Views: 745

Re: I need help from a math nerd...

grettman wrote:Red5.

Thanks!

Yep I was able to replicate the calculation. Thanks for response. It was the 2nd part of the calculation that I wasn't able to figure out.

Cheers!


Glad you were able to do it out.
by red5
Sat Jun 20, 2015 5:08 am
Forum: Investing - Help with Personal Investments
Topic: I need help from a math nerd...
Replies: 7
Views: 745

Re: I need help from a math nerd...

You are correct that each CD needs to be weighted according to how much money is in the account. In order to do this add up all your CDs to get a grand total and then calculate the percentage that each individual CD makes up by dividing each individual value by the total value of all CDs. This will ...
by red5
Sat Jun 20, 2015 4:52 am
Forum: Personal Consumer Issues
Topic: Your Top 10 Books
Replies: 56
Views: 6802

Re: Your Top 10 Books

The Lord of the Rings
The Hobbit
The Count of Monte Cristo
The Three Musketeers
Sherlock Holmes (all of them)
A Christmas Carol
Dracula
Robinson Crusoe
A Brave New World
[Insert whatever book I happen to be reading]
by red5
Wed Jun 17, 2015 4:22 am
Forum: Investing - Theory, News & General
Topic: Cost difference
Replies: 27
Views: 2145

Re: Cost difference

Thanks, it looks like it will be $60 vs. $90 per $100,000. It's a small difference, but it can add up when you are talking about large amounts. An ER of .058% versus .09% indeed is smaller but it perhaps is close enough that other factors will overcome it. Perhaps your rebalancing plan will have a ...
by red5
Sat Jun 13, 2015 5:26 am
Forum: Investing - Help with Personal Investments
Topic: Investment strategy help/check up
Replies: 8
Views: 1155

Re: Investment strategy help/check up

To me your allocations look great. I'd really concentrate on getting those high interest loans paid off though.
by red5
Thu Jun 04, 2015 9:43 am
Forum: Investing - Help with Personal Investments
Topic: International Funds
Replies: 9
Views: 1015

Re: International Funds

Here are some graphics visualizing what people in this thread are telling you. The following link is a Morningstar chart comparing each fund since sometime in 2007 when it appears the investor class of VFWAX came into existence. I included the "investor" funds as well since I thought it we...
by red5
Tue Jun 02, 2015 1:07 pm
Forum: Investing - Theory, News & General
Topic: Warning Signs
Replies: 237
Views: 24924

Re: Warning Signs

Okay, just saw the post you submitted directly before I submitted my question. Thank you.



So in other words, maybe there are warning signs, maybe not.
by red5
Tue Jun 02, 2015 1:06 pm
Forum: Investing - Theory, News & General
Topic: Warning Signs
Replies: 237
Views: 24924

Re: Warning Signs

So it's still too early to say for sure, but indicators of economic health are deteriorating. Let's start with the FRED recession probability which has been rising lately: 2015-03-01 3.54 2015-02-01 2.12 2015-01-01 1.30 2014-12-01 0.52 2014-11-01 0.02 Has such a string of "FRED recession proba...
by red5
Tue Jun 02, 2015 7:02 am
Forum: Investing - Theory, News & General
Topic: Paper: Two Determinants of Lifecycle Investment Success
Replies: 12
Views: 1662

Re: Paper: Two Determinants of Lifecycle Investment Success

These findings imply that defined contribution plan sponsors should encourage young workers to start contributing to their 401(k) accounts early, consistently, and at a high level. regards That's funny. So, when one is young, not earning much, thinking about buying a house, starting a family, etc, ...
by red5
Mon Jun 01, 2015 4:33 am
Forum: Personal Consumer Issues
Topic: good vacuum cleaner for up to $200?
Replies: 26
Views: 2174

Re: good vacuum cleaner for up to $200?

I'll second the previous posters who mentioned the Shark. I bought a Shark from Costco for about $150.00 six months ago (I think it is the Deluxe model) and have been very pleased with it.
by red5
Tue May 26, 2015 11:59 am
Forum: Personal Consumer Issues
Topic: Recommendations on digital camera and video camera
Replies: 16
Views: 780

Re: Recommendations on digital camera and video camera

Just consider the size and weight of the camera before you purchase. It may not be too much "fun" lugging around a large DSLR with multiple lenses throughout Europe. I know my wife and I have the "who is gonna hold the camera" discussions quite frequently. Consider a camera that ...
by red5
Tue May 26, 2015 5:15 am
Forum: Investing - Help with Personal Investments
Topic: A Lesson [in Portfolio Simplicity]
Replies: 13
Views: 3129

Re: A Lesson [in Portfolio Simplicity]

Keep in mind that your personal performance results are likely to include the effects of your additional contributions and withdrawals throughout the years while the results of the Life Strategy fund do not. The Life Strategy returns that you see are based on "one-time investments" made 1,...
by red5
Sat May 23, 2015 5:45 am
Forum: Personal Finance (Not Investing)
Topic: Not able to max out all the retirement accounts
Replies: 69
Views: 4587

Re: Not able to max out all the retirement accounts

yellowgirl, Keep your chin up. Take a few days to relax out of this state of mind. Everything is going to be A-Okay. Trim your monthly expenses is my advice. As others have mentioned there is a bias in who reports their income and savings on this board. We all read about the higher earning and highe...
by red5
Thu May 21, 2015 9:45 am
Forum: Investing - Help with Personal Investments
Topic: Article on Drawdowns (the real returns)
Replies: 17
Views: 1290

Re: Article on Drawdowns (the real returns)

While the above math is, of course, correct, I do have a quibble. The quibble is that in reporting investment performance in the market it is conventional for average return to already mean the compound average growth rate, so the compounded volatility is already taken into account. It is completel...
by red5
Thu May 21, 2015 8:33 am
Forum: Investing - Help with Personal Investments
Topic: Article on Drawdowns (the real returns)
Replies: 17
Views: 1290

Re: Article on Drawdowns (the real returns)

As a side note it is interesting to see those figures in inflation adjusted terms. If one looks at a "growth of" chart at Morningstar the S&P 500 nearly doubled over those dates while according to the OPs figures from the article the S&P 500 only grew to $138,000...not even close t...
by red5
Thu May 21, 2015 7:46 am
Forum: Investing - Help with Personal Investments
Topic: Article on Drawdowns (the real returns)
Replies: 17
Views: 1290

Re: Article on Drawdowns (the real returns)

(update) It looks like the year 2001 data might be off? The final total should be $89,870. This changes the end value to $138,700 instead of $132,900. By the way, you are not really supposed to copy and paste articles. You should create a link instead with maybe a summary so people know what you are...
by red5
Mon May 18, 2015 11:18 am
Forum: Investing - Theory, News & General
Topic: Benchmarking - Do you and what is your reference?
Replies: 13
Views: 817

Re: Benchmarking - Do you and what is your reference?

I'm benchmarking my portfolio performance using M* data for YTD, 12 month, 3 year, 5 year and 10 year performance. S&P500 in the same percentage as portfolio equities, Total Bond Market in the same percentage as portfolio bonds and same/same cash. AA has remained within reason constant over the...
by red5
Mon May 18, 2015 8:31 am
Forum: Investing - Theory, News & General
Topic: What's so great about simplicity?
Replies: 118
Views: 9892

Re: What's so great about simplicity?

"Investing is simple. To be sure, you can make it ludicrously complicated." ... "Best of all, a simple portfolio allows the investor to spend more time with family and friends." ~Jonathan Clements. Not sure I quite agree. A more complex portfolio of index funds can easily be man...
by red5
Thu May 14, 2015 5:00 am
Forum: Personal Finance (Not Investing)
Topic: Where does everyone stand [Portfolio holdings]
Replies: 16
Views: 3109

Re: Where does everyone stand

mule wrote:Thanks and very interesting. I'm not as wealthy as I thought I was! Thanks


I would be careful making any comparisons using the 2015 net worth poll...In fact I would be hesitant to make comparisons period. That poll is not exactly representative.
by red5
Tue May 12, 2015 9:00 am
Forum: Investing - Help with Personal Investments
Topic: 529 plans- Are they part of your overall A.A?
Replies: 22
Views: 1247

Re: 529 plans- Are they part of your overall A.A?

I just posted my entire portfolio last night- see post "Portfolio advice- especially with TIAA Real Estate" I am also wondering about 529 Plans. Are these considered part of your overall Assett Allocation? I have a 1 year old and 3 year old- so it will be quite some time before the money ...
by red5
Wed May 06, 2015 9:19 am
Forum: Personal Finance (Not Investing)
Topic: escrow increase...
Replies: 28
Views: 1965

Re: escrow increase...

I'm curious why you chose to go with escrow. All you're doing is lending money to the mortgage company ahead of time which they will eventually use to pay your taxes and insurance. Did they offer an exceptionally high interest rate on the escrow account? Sometimes one is not given the choice, at le...
by red5
Tue May 05, 2015 6:41 am
Forum: Investing - Help with Personal Investments
Topic: How do you keep track of your investments?
Replies: 48
Views: 3208

Re: How do you keep track of your investments?

I use Excel. It takes a while to set up but once set up it is pretty easy to maintain.

However, Morningstar has an excellent and free portfolio manager tool that is also easy to maintain.

Morningstar Portfolio Manager
by red5
Mon May 04, 2015 8:25 am
Forum: Forum Issues and Administration
Topic: Polls Disabled
Replies: 60
Views: 5630

Re: Polls Disabled

It was always impossible to conduct a good poll on this site. That people like yourself could feel otherwise is an important reason I felt it necessary to cut them off. That is a pretty high-handed statement. You make some valid points but you do not seem to be considering the equally valid stateme...
by red5
Mon Apr 27, 2015 9:50 am
Forum: Personal Finance (Not Investing)
Topic: Savers Credit preparation for 2015
Replies: 17
Views: 1532

Re: Savers Credit preparation for 2015

I don't believe the Saver's Credit is refundable, is it? Meaning it would only reduce your tax liability to $0.00. You would not get the extra $200 in the form of a refund. http://www.irs.gov/uac/Get-Credit-for-Your-Retirement-Savings-Contributions http://www.investopedia.com/articles/retirement/04/...
by red5
Sun Apr 26, 2015 4:40 am
Forum: Personal Consumer Issues
Topic: 25 year old baseball cards and coins worth anything?
Replies: 16
Views: 3496

Re: 25 year old baseball cards and coins worth anything?

I recently browsed through my old collection from the late 80's and 90's. I found a few cards that at the time I thought would be worth money someday. They aren't worth anything (I looked up cards on E-Bay to see what they were selling for). Maybe in another 50 years.... Okay, when I was young I did...
by red5
Thu Apr 16, 2015 6:59 am
Forum: Personal Finance (Not Investing)
Topic: Poll: Effective average Adjusted Livesoft tax rate?
Replies: 67
Views: 5529

Re: Poll: Effective average Adjusted Livesoft tax rate?

<80k, -18% if I did everything correctly.
by red5
Mon Apr 13, 2015 6:44 am
Forum: Investing - Help with Personal Investments
Topic: Moving away from VGSTX
Replies: 4
Views: 1013

Re: Moving away from VGSTX

If you are pretty sure you want to use this money for a house down payment in the next few years, you might want to start moving it to cash to be sure it does not drop in value when you need it. Yes, if you are going to use this in the next few years then I would also recommend putting this money i...
by red5
Sat Apr 11, 2015 6:34 am
Forum: Local Chapters and Bogleheads Community
Topic: Favorite Boglehead Avatar?
Replies: 89
Views: 6069

Re: Favorite Boglehead Avatar?

ANC wrote:The Monarch Butterfly.

I don't always have time to read much on this list, but if I see the butterfly on the right, I know it will be worth my time.


+1
by red5
Thu Apr 09, 2015 1:25 pm
Forum: Investing - Help with Personal Investments
Topic: Accrued dividends: What happens when you sell?
Replies: 8
Views: 1110

Re: Accrued dividends: What happens when you sell?

Does it differ when one sells a bond ETF versus a bond mutual fund? I believe I once sold a bond mutual fund and received a paper cheque in the mail and another time I sold a bond ETF but did not receive anything (i.e. the dividend was baked into the nav).
by red5
Wed Apr 08, 2015 7:37 am
Forum: Investing - Help with Personal Investments
Topic: Best way to track my personal historic return?
Replies: 6
Views: 804

Re: Best way to track my personal historic return?

For simplicity you could choose a fund of funds to use as the benchmark. Vanguard's retirement or life strategy funds would do the trick. Just pick the fund that you want to use as a benchmark. As someone previously mentioned, the internal transactions would not matter (selling fund A and purchasing...
by red5
Tue Mar 24, 2015 7:51 am
Forum: Investing - Help with Personal Investments
Topic: Passive Investing w/Vanguard
Replies: 9
Views: 1380

Re: Passive Investing w/Vanguard

So far I have my age in % bonds. rest is stocks. If I do this new vanguard investment, I would have more % stocks than before, obviously. I don't know the %, I would have to calculate how much would I have by the end of the year or something... However, thinking of tax efficiency on a taxable accou...
by red5
Tue Mar 24, 2015 4:18 am
Forum: Investing - Theory, News & General
Topic: Get rid of PMI or Max out 401K?
Replies: 13
Views: 1435

Re: Get rid of PMI or Max out 401K?

I'd at least contribute enough to the 401k to obtain all of the employer match, if there is one.
by red5
Tue Mar 24, 2015 4:12 am
Forum: Investing - Help with Personal Investments
Topic: Passive Investing w/Vanguard
Replies: 9
Views: 1380

Re: Passive Investing w/Vanguard

kravist wrote:thanks so much guys...


kravist, do you have an asset allocation / plan that you are following? Will these new investments with Vanguard fall in line with your current investments / plan and your desired asset allocation?
by red5
Tue Mar 24, 2015 3:54 am
Forum: Investing - Help with Personal Investments
Topic: How will my upgrade to "Voyager status" work?
Replies: 6
Views: 1196

Re: How will my upgrade to "Voyager status" work?

I'm 23 years old and I should be able to move enough assets into my vanguard account to break the $50,000 limit in combined IRA/Taxable/401k with in the next few months. How does this process work? If I call them will that accelerate it? I know these may be dumb questions and I know I'm kind of poo...
by red5
Sun Mar 22, 2015 4:53 am
Forum: Investing - Theory, News & General
Topic: Should I invest my emergency fund?
Replies: 71
Views: 7884

Re: Should I invest my emergency fund?

I have about 9-months invested 40/60 in a taxable account. I have done this for about the last 4 or 5 years. I have done this despite the vast majority (in here and elsewhere) saying emergency money should be kept safe and in a plain vanilla savings account. I have done this being aware that I could...
by red5
Sat Mar 21, 2015 4:11 am
Forum: Personal Finance (Not Investing)
Topic: Why I don't file early
Replies: 35
Views: 3756

Re: Why I don't file early

jebmke wrote:I just received a revised Vanguard Brokerage Statement.

Reason #502 to wait and file taxes as late as possible.


I'm wondering if you might share what they corrected and if it is something that could have been an error on other's Vanguard brokerage statement?
by red5
Fri Mar 20, 2015 1:23 pm
Forum: Investing - Help with Personal Investments
Topic: Boglehead Portfolio
Replies: 3
Views: 459

Re: Boglehead Portfolio

Target Date 2055

or

10% Stable Value or Core Bond or ...
60% S&P 500
30% International Large Cap index


That is what **I** would personally do, I think.
by red5
Thu Mar 19, 2015 11:02 am
Forum: Investing - Help with Personal Investments
Topic: 32, New to investing, No retirement fund, Advice Please
Replies: 24
Views: 2069

Re: 32, New to investing, No retirement fund, Advice Please

This is the book that I really enjoyed. http://www.amazon.com/Bogleheads-Guide-Investing-Taylor-Larimore/dp/1118921283/ref=sr_1_1?ie=UTF8&qid=1426780845&sr=8-1&keywords=bogleheads+guide+investing The Vanguard retirement funds are top notch. If in an IRA of some kind they are all you woul...
by red5
Thu Mar 19, 2015 5:22 am
Forum: Investing - Help with Personal Investments
Topic: Single father Needs help on retirement portfolio (o)(o)
Replies: 14
Views: 1837

Re: Single father Needs help on retirement portfolio (o)(o)

I'm writing this mostly for a bump. Your funds look good to me. One possible suggestion is to clean up / simplify some of your accounts a bit. For example, in one of your accounts you no longer contribute to you could hold only bonds in it. In another account you could hold only REITs, etc. You woul...
by red5
Wed Mar 18, 2015 3:37 pm
Forum: Investing - Help with Personal Investments
Topic: How often to rebalance?
Replies: 9
Views: 968

Re: How often to rebalance?

I found this to be interesting and informative. It is worth the time to read in my humble opinion.

http://www.tdainstitutional.com/pdf/Opportunistic_Rebalancing_JFP2007_Daryanani.pdf

Of course future results may differ from past results...
by red5
Wed Mar 18, 2015 2:59 pm
Forum: Investing - Help with Personal Investments
Topic: how often do you check performance?
Replies: 70
Views: 5316

Re: how often do you check performance?

Once a week every week I update my spreadsheet with prices. It has never led to any issues. I have never panicked, sold, bought, transferred, or anything else because of what I see. I have never felt bad because of a declining portfolio value but perhaps being decades away from retirement helps that...
by red5
Wed Mar 18, 2015 8:24 am
Forum: Investing - Help with Personal Investments
Topic: Too good to be true? vgenx or vgpmx
Replies: 25
Views: 3256

Re: Too good to be true? vgenx or vgpmx

Sector funds are not needed. In fact, Jack Bogle has stated an investor could never own a sector fund and be just fine. What's up with that? I just read in Money that if I invest in last year's worst performing S&P 500 sector, I could trounce the S&P 500 over time. :) Or the S&P 500 cou...

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