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Re: Poll: Effective average Adjusted Livesoft tax rate?

<80k, -18% if I did everything correctly.
by red5
Thu Apr 16, 2015 6:59 am
 
Forum: Personal Finance (Not Investing)
Topic: Poll: Effective average Adjusted Livesoft tax rate?
Replies: 48
Views: 2878

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
Mon Apr 13, 2015 6:44 am
 
Forum: Investing - Help with Personal Investments
Topic: Moving away from VGSTX
Replies: 4
Views: 921

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
Sat Apr 11, 2015 6:34 am
 
Forum: Local Chapters and Bogleheads Community
Topic: Favorite Boglehead Avatar?
Replies: 87
Views: 4471

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
Thu Apr 09, 2015 1:25 pm
 
Forum: Investing - Help with Personal Investments
Topic: Accrued dividends: What happens when you sell?
Replies: 8
Views: 1017

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
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: 728

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 7:51 am
 
Forum: Investing - Help with Personal Investments
Topic: Passive Investing w/Vanguard
Replies: 9
Views: 1269

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 4:18 am
 
Forum: Investing - Theory, News & General
Topic: Get rid of PMI or Max out 401K?
Replies: 13
Views: 1263

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 4:12 am
 
Forum: Investing - Help with Personal Investments
Topic: Passive Investing w/Vanguard
Replies: 9
Views: 1269

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
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: 1130

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
Sun Mar 22, 2015 4:53 am
 
Forum: Investing - Theory, News & General
Topic: Should I invest my emergency fund?
Replies: 71
Views: 6210

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
Sat Mar 21, 2015 4:11 am
 
Forum: Personal Finance (Not Investing)
Topic: Why I don't file early
Replies: 35
Views: 3410

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
Fri Mar 20, 2015 1:23 pm
 
Forum: Investing - Help with Personal Investments
Topic: Boglehead Portfolio
Replies: 3
Views: 418

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 11:02 am
 
Forum: Investing - Help with Personal Investments
Topic: 32, New to investing, No retirement fund, Advice Please
Replies: 24
Views: 1918

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
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: 1737

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 3:37 pm
 
Forum: Investing - Help with Personal Investments
Topic: How often to rebalance?
Replies: 9
Views: 893

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 2:59 pm
 
Forum: Investing - Help with Personal Investments
Topic: how often do you check performance?
Replies: 70
Views: 4811

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...
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: 2876

Re: 3 questions on tax deferred accounts

The differences between 45-55 and 60-40 may not be all that dramatic. If you are two years away from retirement perhaps you want to be a bit conservative? Something like 50-50? Easy to remember. It is perfectly fine to have different AAs within your accounts. It is your portfolio wide AA that really...
by red5
Wed Mar 18, 2015 4:56 am
 
Forum: Investing - Help with Personal Investments
Topic: 3 questions on tax deferred accounts
Replies: 4
Views: 732

Re: Three fund portfolio in tax-advantaged account

I would personally fill up my traditional IRA with bonds. If there were any room left over then fill up the rest with either Total US or Total International. If you do not have enough room in your traditional IRA for bonds then put the remaining bonds in your Roth IRA. Fill up your Roth IRA with wha...
by red5
Wed Mar 18, 2015 4:38 am
 
Forum: Investing - Help with Personal Investments
Topic: Three fund portfolio in tax-advantaged account
Replies: 2
Views: 366

Re: Any Vanguard Balanced Index Fund Diehards

It's a great fund in a tax-advantaged account. If you are comfortable with 60/40 then go for it. I personally don't use it but not because it is not a good fund. I have other reasons. Do what is right for you and don't worry about how others invest. You needn't seek the approval of the Boglehead's &...
by red5
Tue Mar 17, 2015 12:02 pm
 
Forum: Investing - Theory, News & General
Topic: Any Vanguard Balanced Index Fund Diehards
Replies: 24
Views: 3044

Re: Need Your Advice on Which Funds or ETFs

Are you just looking for funds that kind of match up with what you currently have? Anyways, I use Vanguard so the few funds that I will suggest are Vanguard funds. 1. VTSAX - Total US Stock market VTIAX - Total International stock market VBMFX - Total Bond market That is all you would need. Total wo...
by red5
Tue Mar 17, 2015 5:20 am
 
Forum: Investing - Help with Personal Investments
Topic: Need Your Advice on Which Funds or ETFs
Replies: 2
Views: 378

Re: John Bogle's Don't Peek Challenge

What is wrong with peeking often if it does not come with any negative consequences? For me this "challenge" would just cause me worry as it would give me a sense of uncertainty of some wrong doing happening to my investments. Peeking often gives me peace of mind. I also like knowing how m...
by red5
Mon Mar 16, 2015 9:49 am
 
Forum: Investing - Theory, News & General
Topic: John Bogle's Don't Peek Challenge
Replies: 126
Views: 10549

Re: do you like vanguard's new web site?

It is not really any different in my humble opinion. I suppose I don't poke around that much though.
by red5
Sat Mar 14, 2015 2:46 pm
 
Forum: Personal Consumer Issues
Topic: do you like vanguard's new web site?
Replies: 9
Views: 1146

Re: How many really understand how investing works?

rocko wrote:^ Wow


Don't let it wow you too much, I'm trailing the Vanguard 2045 retirement fund when taking into account purchase sums and dates :happy
by red5
Tue Mar 10, 2015 12:35 pm
 
Forum: Investing - Help with Personal Investments
Topic: How many really understand how investing works?
Replies: 37
Views: 3188

Re: How many really understand how investing works?

^ SMART! Taylor: Thank you so much for the link. And for those of you willing to share... how do my overall returns of 5.6% (ten years)/7.5% (five years) compare to yours? I'll share with the knowledge it is comparing apples and oranges (or perhaps it is red delicious and granny smith)... 7.5% ten ...
by red5
Tue Mar 10, 2015 12:13 pm
 
Forum: Investing - Help with Personal Investments
Topic: How many really understand how investing works?
Replies: 37
Views: 3188

Re: How to invest $400 in Vanguard Retirement 2060?

Just go on line to vanguard.com, follow the steps, and open an account. It is easy. I think there is a minimum that will not allow him to open an account with $400. I think you would need at least $1,000 to open a Vanguard account. OP, not sure that you will find any brokerage that will allow you t...
by red5
Tue Mar 10, 2015 6:35 am
 
Forum: Investing - Help with Personal Investments
Topic: How to invest $400 in Vanguard Retirement 2060?
Replies: 23
Views: 1656

Re: STAR Fund vs Schwab VTSAX ETF

There are plenty of questions to ask yourself before going ahead and investing that $1,000. Will you have any income at all this year? You need income in order to contribute to an IRA. Did you have any income last year? If so, that $1,000 could be used as last years IRA contribution assuming you did...
by red5
Tue Mar 10, 2015 6:32 am
 
Forum: Investing - Help with Personal Investments
Topic: STAR Fund vs Schwab VTSAX ETF
Replies: 11
Views: 603

Re: Poll: Increasing international equities

Thank you to everyone who provided a response to the poll and to those who took the time to write a reply. I was not expecting 18% to increase and another 6% to at least contemplate it but perhaps there is a bit of bias in the poll as well. Thanks!
by red5
Mon Mar 09, 2015 1:04 pm
 
Forum: Investing - Theory, News & General
Topic: Poll: Increasing international equities
Replies: 58
Views: 3951

Re: Stupid Question from a Finance Newcomer

Vanguard is a fine company to invest. There are others but I use Vanguard. Try vanguard.com or personal.vanguard.com Consider building your emergency fund inside of a Roth IRA, but use some ultra-safe investing fund. Otherwise use a savings account. In the meantime, read read read. Bogleheads has an...
by red5
Fri Mar 06, 2015 12:04 pm
 
Forum: Investing - Help with Personal Investments
Topic: Stupid Question from a Finance Newcomer
Replies: 6
Views: 345

Re: Too late to invest in Health Care Fund?

If you own something like Total Stock Market then you already own all those health care stocks. What you are really thinking of doing is over-weighting those health care stocks. Just because those health care stocks may have done great in the past X years does not mean they'll do that great in the n...
by red5
Fri Mar 06, 2015 8:49 am
 
Forum: Investing - Theory, News & General
Topic: Too late to invest in Health Care Fund?
Replies: 7
Views: 833

Re: Check your HSA Bank Statement!

I personally think it's a good idea to check ALL accounts on a frequent basis. I have caught a few mistakes by doing so.
by red5
Thu Mar 05, 2015 7:41 am
 
Forum: Personal Finance (Not Investing)
Topic: Check your HSA Bank Statement!
Replies: 18
Views: 2907

Re: Poll: Increasing international equities

digarei wrote:The evident lack of unanimity among respondents in this thread regarding the reason(s) for "staying the course" or adapting their international allocation tells me that, as in so many other aspects of investing, there is no one right answer.


100% agree.
by red5
Thu Mar 05, 2015 7:30 am
 
Forum: Investing - Theory, News & General
Topic: Poll: Increasing international equities
Replies: 58
Views: 3951

Re: Poll: Increasing international equities

I increased international equity exposure about 5 or 6 months ago from 30% to 40% of total equity. There is no option offered for those who have already done so. Garland Whizzer You are right concerning those who had already done so. In this case, if it were me, I would vote for "staying the c...
by red5
Wed Mar 04, 2015 10:50 am
 
Forum: Investing - Theory, News & General
Topic: Poll: Increasing international equities
Replies: 58
Views: 3951

Re: What's your average ER? [Expense Ratio]

Until I read all the previous posts, I thought I was doing exceptionally well with .11 You are doing exceptionally well with a weighted average ER of .11%. I feel once a portfolio's average ER gets really low (say, .25%) then other factors will outweigh the small differences between .08% and .11% a...
by red5
Wed Mar 04, 2015 9:45 am
 
Forum: Investing - Theory, News & General
Topic: What's your average ER? [Expense Ratio]
Replies: 123
Views: 7439

Re: Thinking of going with VSMGX

All I'll say is that VSMGX is a great low-cost Vanguard LifeStrategy fund for someone interested in a 60/40 stock/bond allocation.
by red5
Wed Mar 04, 2015 5:12 am
 
Forum: Investing - Help with Personal Investments
Topic: Thinking of going with VSMGX
Replies: 10
Views: 1718

Re: Poll: Increasing international equities

I'm sticking with my AA: 30% of equities. I will admit though that after reading this thread I feel like I'm in the minority. Maybe I'm missing out, but I'm ok with that. I don't know...out of the people who voted who made a decision most are not increasing. What is it right now, 12 for increasing ...
by red5
Tue Mar 03, 2015 7:54 pm
 
Forum: Investing - Theory, News & General
Topic: Poll: Increasing international equities
Replies: 58
Views: 3951

Re: Poll: Increasing international equities

gkaplan wrote:I can't answer the poll, because your choices have the wrong tense for my particular situation.


Sorry to hear that... I attempted to make the choices fairly all-encompassing but perhaps I failed to allocate for everyone's individual situation.
by red5
Tue Mar 03, 2015 6:11 pm
 
Forum: Investing - Theory, News & General
Topic: Poll: Increasing international equities
Replies: 58
Views: 3951

Re: Poll: Increasing international equities

Sticking to allocation which has not changed in ratio in almost 2 decades and far higher than the "up to 20%" thing BUT if I was timing then a sign that lots of people are moving to non US would lead me to move the opposite way :D Thanks for the comment. What do you mean by the "up t...
by red5
Tue Mar 03, 2015 6:07 pm
 
Forum: Investing - Theory, News & General
Topic: Poll: Increasing international equities
Replies: 58
Views: 3951

Re: Poll: Increasing international equities

Sticking to allocation which has not changed in ratio in almost 2 decades and far higher than the "up to 20%" thing BUT if I was timing then a sign that lots of people are moving to non US would lead me to move the opposite way :D Thanks for the comment. What do you mean by the "up t...
by red5
Tue Mar 03, 2015 3:45 pm
 
Forum: Investing - Theory, News & General
Topic: Poll: Increasing international equities
Replies: 58
Views: 3951

Re: Poll: Increasing international equities

There was a similar poll in December before the recent news and talk.

https://www.bogleheads.org/forum/viewtopic.php?f=10&t=152720&view=viewpoll
by red5
Tue Mar 03, 2015 3:04 pm
 
Forum: Investing - Theory, News & General
Topic: Poll: Increasing international equities
Replies: 58
Views: 3951

Re: Poll: Increasing international equities

livesoft wrote:International equities are up about 6%-7% so far in 2015 and up more than 8% since the last time one rebalanced in January 2015. It may be time to rebalance out of them.


Rebalance out of them to one's current AA or possibly to a new AA?
by red5
Tue Mar 03, 2015 2:58 pm
 
Forum: Investing - Theory, News & General
Topic: Poll: Increasing international equities
Replies: 58
Views: 3951

Poll: Increasing international equities

There has been chatter about increasing international equities. This can be considered as a market timing move or perhaps an effort to move towards a more representative global portfolio, or both. Most recently Vanguard announced that it is increasing international equities from 30% to 40% in its Li...
by red5
Tue Mar 03, 2015 2:49 pm
 
Forum: Investing - Theory, News & General
Topic: Poll: Increasing international equities
Replies: 58
Views: 3951

Re: Getting back in Market after TDA-VG Cash Transfer

Not sure what kind of stock/bond allocation you had before but if it was something like the Vanguard 2015 retirement fund then since the beginning of December you have only "lost" out on about 2%. You could just go all in now or maybe you could put half in now and put the rest in monthly o...
by red5
Tue Mar 03, 2015 7:43 am
 
Forum: Investing - Help with Personal Investments
Topic: Getting back in Market after TDA-VG Cash Transfer
Replies: 5
Views: 450

Re: Beginner Roth IRA asset allocation question

Thank you both for the responses! Seeing as to how it may be redundant holding those funds and investing in a target retirement fund for my Roth IRA, does anybody have any recommendations as to what else to invest in for my Roth IRA account considering I'll be holding VTSMX, VGTSX & VBMFX as my...
by red5
Mon Mar 02, 2015 7:25 am
 
Forum: Investing - Help with Personal Investments
Topic: Beginner Roth IRA asset allocation question
Replies: 6
Views: 777

Re: tweaking asset allocation

This is mostly a bump...but for simplicity would you just consider something like Total Bond (VBMFX)? Or if you want more corporates then just Intermediate Term (VBIIX)? Are these bond funds in for a tax-sheltered account or in for a taxable account? Edited to fix typo and to add emphasis
by red5
Mon Mar 02, 2015 4:33 am
 
Forum: Investing - Help with Personal Investments
Topic: tweaking asset allocation
Replies: 3
Views: 338

Re: What's your average ER?

.087%
by red5
Mon Mar 02, 2015 4:16 am
 
Forum: Investing - Theory, News & General
Topic: What's your average ER? [Expense Ratio]
Replies: 123
Views: 7439

Re: Long-term gain (or loss) held less than a year?

Is it possible that she had some additional shares of the same fund that were purchased earlier, and it was actually those shares that were sold- as in first in first out? Then those first shares would have been a long term loss. She hadn't owned anything with Vanguard previously, and all the share...
by red5
Fri Feb 27, 2015 2:03 pm
 
Forum: Personal Finance (Not Investing)
Topic: Long-term gain (or loss) held less than a year?
Replies: 17
Views: 971

Re: International stock index in Taxible account for tax cre

I also had plans to buy $3.5k of the International Stock funds (VGTSX), but the expense ratio is 0.22%. Wouldn't it be more beneficial for me to just get the ETF version of this (VXUS) to get the cheaper 0.14% expense ratio? I don't plan to constantly trade the ETF, but rather just taking advantage...
by red5
Thu Feb 26, 2015 5:28 am
 
Forum: Investing - Help with Personal Investments
Topic: International stock index in Taxible account for tax credit
Replies: 6
Views: 716

Re: Changing Investments within a ROTH IRA?

That's how I would lean as well but you should consider posting in this format first. Do you have bonds?

https://www.bogleheads.org/forum/viewtopic.php?f=1&t=6212



P.S. I would definitely at the very minimum question that health care fund, if nothing else.
by red5
Wed Feb 25, 2015 1:39 pm
 
Forum: Investing - Help with Personal Investments
Topic: Changing Investments within a ROTH IRA?
Replies: 1
Views: 198
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