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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 10:19 am
 
Forum: Investing - Help with Personal Investments
Topic: Check my TLH math
Replies: 9
Views: 365

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 9:25 am
 
Forum: Investing - Theory, News & General
Topic: Checking monthly - may not even notice the October "crash"
Replies: 49
Views: 3630

Re: 39.6% Tax Bracket :(

cheese_breath wrote:There are some very smart people on this forum. I'm not one of them, but I suspect with that kind of income they would suggest you see a CPA.


I am not either. With that being said, I would probably not be experiencing very much frustration with such a level of pay.
by red5
Tue Oct 28, 2014 10:25 am
 
Forum: Personal Finance (Not Investing)
Topic: 39.6% Tax Bracket :(
Replies: 26
Views: 4937

Re: Do you regret buying your home?

Yes, a lot! It is not really the home that I regret, rather, it is 1,500 miles from where I want to live.
by red5
Thu Oct 23, 2014 3:58 pm
 
Forum: Personal Consumer Issues
Topic: Do you regret buying your home?
Replies: 82
Views: 6800

Re: How to calculate how well you're doing?

I use XIRR(Values,Dates) in Excel. I got 5.4% assuming I typed in all the values correctly (I inputted your investments at the beginning of each month for 12 months). I type initial values and investments as a negative number(s) (as it is going from me to the investment) and I type withdrawals and t...
by red5
Thu Oct 23, 2014 9:58 am
 
Forum: Investing - Theory, News & General
Topic: How to calculate how well you're doing?
Replies: 9
Views: 1283

Re: Missing Dividend Payment Information

I've had this fund for about 2 and a half years, and I've never seen any dividend payments on my statements. The only thing I was able to dig up for this fund from one of my accounts (401(k)) was the following info, which I'm sure is pretty useless: MTA Large Cap Core Index Fund. As of 10/17/2014 P...
by red5
Mon Oct 20, 2014 1:55 pm
 
Forum: Personal Finance (Not Investing)
Topic: Missing Dividend Payment Information
Replies: 27
Views: 1828

Re: Missing Dividend Payment Information

OP, How long have you had this retirement account? Have you seen dividend payments in it before [I'm guessing no]? Do you have access to historical prices for the funds inside your plan? Is there any way you can reveal to us what the price of your fund [VIIIX] was, say, 5 or 10 years ago and also wh...
by red5
Mon Oct 20, 2014 5:55 am
 
Forum: Personal Finance (Not Investing)
Topic: Missing Dividend Payment Information
Replies: 27
Views: 1828

Re: Hold My Hand - I Am Rebalancing

How often have you been rebalancing? I think the question I'd ask is "what are your bands?" With the commonly used band of 5% of the asset you normally wouldn't be triggering a rebalancing event that often with your portfolio... I would also ask: what is your rebalance percentage amount? ...
by red5
Wed Oct 15, 2014 8:53 am
 
Forum: Investing - Help with Personal Investments
Topic: Hold My Hand - I Am Rebalancing
Replies: 20
Views: 1260

Re: Hold My Hand - I Am Rebalancing

How often have you been rebalancing?
by red5
Wed Oct 15, 2014 5:49 am
 
Forum: Investing - Help with Personal Investments
Topic: Hold My Hand - I Am Rebalancing
Replies: 20
Views: 1260

Re: Keep vanguard mutual fund or move to the dark side (ETFs

I transferred money from another institution into a Vanguard Roth IRA. The two funds I picked up were REITs and Emerging Markets. Both have lost a little bit since I put them in, but I'm not all really concerned about the loss, per se. My question is, should I move the money from the mutual funds t...
by red5
Thu Oct 09, 2014 9:28 am
 
Forum: Investing - Help with Personal Investments
Topic: Keep vanguard mutual fund or move to the dark side (ETFs)
Replies: 13
Views: 1447

Re: Is this smart?

IPer wrote:Aw come on nisiprius show the guy what he got if he held it another 5 years at least!


The next recovery will likely be different than the recovery that began in 2009.
by red5
Thu Oct 09, 2014 8:57 am
 
Forum: Investing - Help with Personal Investments
Topic: Is this smart?
Replies: 19
Views: 1402

Re: Is this smart?

still confused Okay let's say you invest $1,000 in a retirement fund, VTIVX, which is currently 63%/27%/8%/2% Total Stock, Total International, Total Bond, Total International Bond Let's fast forward a few years and say that between contributions/investments and market growth/decline it is now wort...
by red5
Thu Oct 09, 2014 5:41 am
 
Forum: Investing - Help with Personal Investments
Topic: Is this smart?
Replies: 19
Views: 1402

Re: Tell me about Berlin :-)

Like Paris, it is cold and dark in the winter. Oh but the Christmas markets [Christkindlmarkt] in Germany [and others] are so absolutely magical. I did not experience one in Berlin but I did in other German, Austrian, and Hungarian cities. If you are in Berlin during the season, please please make ...
by red5
Tue Oct 07, 2014 9:30 am
 
Forum: Personal Consumer Issues
Topic: Tell me about Berlin :-)
Replies: 36
Views: 2342

Re: BND & BNDX Dividends

I think if it is payable today then you would see the transactions tonight, after close of business.
by red5
Tue Oct 07, 2014 9:23 am
 
Forum: Investing - Help with Personal Investments
Topic: BND & BNDX Dividends
Replies: 5
Views: 301

Re: Are you a "maximizer" or a "satisficer"?

For me, any categorization is irritating. It's bad enough that marketing types are trying to pigeonhole us; it's worse when we voluntarily walk into the trap of being stereotyped. As soon as someone calls himself a baby-boomer, a home-owner, a satisficer, or a Boglehead, he reduces the complexity o...
by red5
Tue Oct 07, 2014 9:22 am
 
Forum: Personal Consumer Issues
Topic: Are you a "maximizer" or a "satisficer"?
Replies: 52
Views: 3107

Re: Mutual Funds vs. Exchange Traded Funds (ETFs)

I use Vanguard Admiral funds when I have enough. When I don't I use ETF's (4 over taxable and non-taxable).
by red5
Tue Oct 07, 2014 5:52 am
 
Forum: Investing - Theory, News & General
Topic: Mutual Funds vs. Exchange Traded Funds (ETFs)
Replies: 37
Views: 2319

Re: Biweekly Mortgage Payments

My Settlement Statement (HUD) states that I am able to prepay without penalty in the Loan Terms section.
by red5
Sat Oct 04, 2014 3:00 pm
 
Forum: Personal Finance (Not Investing)
Topic: Biweekly Mortgage Payments
Replies: 10
Views: 958

Re: Biweekly Mortgage Payments

Do you have the ability to prepay principal? If so, that could give you a somewhat similar effect. Don't pay a fee for this service. I believe it is equivalent to making a 13th payment per year (since 52 weeks / Every 2 weeks = 26 half payments), which you could do yourself if you are able to prepay...
by red5
Sat Oct 04, 2014 2:52 pm
 
Forum: Personal Finance (Not Investing)
Topic: Biweekly Mortgage Payments
Replies: 10
Views: 958

Re: Total world stock index

NEVERTHELESS, I insist that my point--don't trust theory, and be skeptical of claims of the value of persistent tiny "edges"--is valid..." Look, I think we are really on the same page, perhaps a couple of figurative sentences apart, but still on the same page. My original intent on t...
by red5
Sat Oct 04, 2014 7:35 am
 
Forum: Investing - Help with Personal Investments
Topic: Total world stock index
Replies: 19
Views: 2426

Re: Total world stock index

When comparing the ETF and the mutual fund are they using NAV or price? I wouldn't be shocked to learn that the funds premium has changes a bit over the past 5+ years. Good point, this did occur to me some time after I wrote my post as well. Going from 6-26-08 to 6-27-08 shows the mutual fund going...
by red5
Fri Oct 03, 2014 10:01 am
 
Forum: Investing - Help with Personal Investments
Topic: Total world stock index
Replies: 19
Views: 2426

Re: Total world stock index

... http://s24.postimg.org/4brf8ms05/Captura_de_pantalla_2014_10_03_a_la_s_6_58_03_A.png ... I do see the oddities. However, the graphic does show higher 1 year, 3 year, and 5 year returns for the ETF version. Also, I will add that I looked at the Morningstar chart and something seems, well, odd. Y...
by red5
Fri Oct 03, 2014 7:54 am
 
Forum: Investing - Help with Personal Investments
Topic: Total world stock index
Replies: 19
Views: 2426

Re: Total world stock index

Consider that the expense ratio fee could compound itself year after year after year. Nisiprius pointed out that the difference between .30% and .18% over one year is $60.00. That is the difference between the Total World fund and etf. In theory, over a year you would have 60 more dollars if you hel...
by red5
Fri Oct 03, 2014 6:39 am
 
Forum: Investing - Help with Personal Investments
Topic: Total world stock index
Replies: 19
Views: 2426

Re: S&P 500 Price chart by all-time highs

That's a cool representation. I wonder if you could give the chart a "log" scale instead of "linear"?
by red5
Thu Oct 02, 2014 2:17 pm
 
Forum: Investing - Theory, News & General
Topic: S&P 500 Price chart by closing milestones
Replies: 8
Views: 767

Re: What bumps were along your road?

Currently trying to get over the bump in the road consisting of finding a good job to begin a career.
by red5
Thu Oct 02, 2014 2:12 pm
 
Forum: Personal Finance (Not Investing)
Topic: What bumps were along your road?
Replies: 44
Views: 3133

Re: Vanguard Bond Funds Dividends

A bond mutual fund I once owned shares in at another brokerage (USAA) did the same thing. ETFs may be [are] different.

However there are many many other bond mutual funds that could behave differently.
by red5
Thu Oct 02, 2014 9:56 am
 
Forum: Investing - Help with Personal Investments
Topic: Vanguard Bond Funds Dividends
Replies: 1
Views: 306

Re: final tweaks to my allocation

fvaldes wrote:ok , before I was thinking more 75/25 but I starting to like 70/30 more.



Flip a coin. Go with either. There will be little difference between the two portfolios.
by red5
Thu Oct 02, 2014 9:00 am
 
Forum: Investing - Help with Personal Investments
Topic: final tweaks to my allocation
Replies: 11
Views: 463

Re: New Investor Question

As the others mentioned, a Target fund *IS* a lazy 3-fund (or is it 4 now?) portfolio. A lazy 5 or 6 fund portfolio is basically a Target fund (i.e. a lazy 3 fund portfolio) with a couple extra higher risk funds (yet still index). At least this is so for the Vanguard Target funds. If you check them ...
by red5
Wed Oct 01, 2014 9:56 am
 
Forum: Investing - Help with Personal Investments
Topic: New Investor Question
Replies: 5
Views: 235

Re: Starting Roth IRA soon, advice?

You are young and a Roth is a great idea. Take a look at the Health Care Fund. Actually it's very consistent and as of a few days ago it was Vanguard's best YTD fund. Don't do this. At the very least, don't do this blindly. I am 22, and I want to maximize gains. any suggestions? You say you want to...
by red5
Mon Sep 29, 2014 1:52 pm
 
Forum: Investing - Help with Personal Investments
Topic: Starting Roth IRA soon, advice?
Replies: 17
Views: 1385

Re: Unexpected Emergency

Are you on track to meet your retirement goals? If so perhaps a pause would be okay. If not then perhaps you could partially cut your 401k contributions and look at other parts of your budget to help you rebuild your EF.

Best of luck. I hope everything goes well.
by red5
Thu Sep 25, 2014 10:53 am
 
Forum: Investing - Help with Personal Investments
Topic: Unexpected Emergency
Replies: 33
Views: 3309

Re: Calculating Rolling Returns

Are you familiar with the XIRR function in Excel? Do you already have however many years worth of returns in order to do these computations? I don't think IRR (the returns are already annual) is the right approach here: Rate of return I see your point about returns already being annual. However XIR...
by red5
Wed Sep 24, 2014 9:23 pm
 
Forum: Investing - Theory, News & General
Topic: Calculating Rolling Returns
Replies: 14
Views: 886

Re: Calculating Rolling Returns

Well if you already have the yearly TOTAL returns (to include dividends, etc) for whatever funds/indices you are looking at then it would not be to hard to set this up in a spreadsheet provided you already are familiar with how to use it. Are you familiar with the XIRR function in Excel? Do you alre...
by red5
Wed Sep 24, 2014 5:54 pm
 
Forum: Investing - Theory, News & General
Topic: Calculating Rolling Returns
Replies: 14
Views: 886

Re: How to build a Vanguard portfolio

Any comparison conducted over a 2 year period will provide you with meaningless results. It's just not enough time. Not even close. I don't totally agree. The problem is finding appropriate benchmarks for the funds the advisor has him in. If the advisor has him in volatile sector funds there's just...
by red5
Tue Sep 23, 2014 8:35 pm
 
Forum: Investing - Help with Personal Investments
Topic: How to build a Vanguard portfolio
Replies: 10
Views: 1006

Re: Total Stock Market Dividends

InvestorNewb wrote:The September dividend for TSM is also virtually the same as Vanguard's high dividend yield fund:

Vanguard Total Stock Market - $0.46500
Vanguard High Dividend Yield - $0.46900

... it seems that TSM is superior in a lot of ways.


They have very different NAVs.
by red5
Tue Sep 23, 2014 10:38 am
 
Forum: Investing - Theory, News & General
Topic: Total Stock Market Dividends
Replies: 18
Views: 1211

Re: How to build a Vanguard portfolio

Any comparison conducted over a 2 year period will provide you with meaningless results. It's just not enough time. Not even close.
by red5
Tue Sep 23, 2014 7:59 am
 
Forum: Investing - Help with Personal Investments
Topic: How to build a Vanguard portfolio
Replies: 10
Views: 1006

Re: rebalancing at age 55

I can't help you since i have no idea what most of those initials are - I am assuming some or all of them are individual stocks? It sounds like you want to keep what you got and just have people say it looks good. I think on this board: You will find many people don't have any idea what all those i...
by red5
Mon Sep 22, 2014 10:32 am
 
Forum: Investing - Help with Personal Investments
Topic: rebalancing at age 55
Replies: 7
Views: 802

Re: Vanguard monthly statement availability(Website)

I could be wrong on this, but.... I believe you only get statements during months when there is account activity (not including dividends) AND during the months of Jan, Jun, Sep and Dec. If it's August and there are no transactions then you will not receive a statement. At least that is how it is fo...
by red5
Sun Sep 21, 2014 5:53 am
 
Forum: Investing - Theory, News & General
Topic: Vanguard monthly statement availability(Website)
Replies: 9
Views: 934

Re: cost of raising a child by age group

The answers are going to range so wildly that it will be a monumental task to glean anything really and truly informative concerning your own personal situation. Stay at home parent, or no? Day care or no? Cheap Wal-Mart diapers are expensive brand name? Nursing or the bottle? Purchasing clothes fro...
by red5
Fri Sep 19, 2014 9:40 am
 
Forum: Personal Consumer Issues
Topic: cost of raising a child by age group
Replies: 27
Views: 2581

Re: How to go about our messy portfolio?

Okay this is what I would personally do (I actually did do this a few years ago). There are many smarter investors on here who will give you some good advice too. - Make sure you are comfortable with a 70% / 30% allocation (imagine your portfolio going down to $800,000 in a correction/crash, can you...
by red5
Wed Sep 17, 2014 9:16 am
 
Forum: Investing - Help with Personal Investments
Topic: How to go about our messy portfolio?
Replies: 20
Views: 2416

Re: Low down payment and invest or big down payment?

I took a kind of middle road, I guess. I put down somewhere between 20% to 25% on my 3.5% home loan and I am paying the bare minimum monthly payment. I think (hope) that over the course of 30 years my investments will give me more than 3.5% per year. If the loan was higher I would rethink my decisio...
by red5
Wed Sep 17, 2014 8:23 am
 
Forum: Investing - Help with Personal Investments
Topic: Low down payment and invest or big down payment?
Replies: 7
Views: 1060

Re: How often do YOU rebalance and when?

Well I "rebalance" when I lump sum my retirement contributions at the beginning of the year. I do so by carefully allocating my newly invested money into my existing funds in order to achieve my desired allocation. This is quite easy to do and literally takes seconds. I suppose someday by ...
by red5
Tue Sep 16, 2014 10:44 am
 
Forum: Investing - Help with Personal Investments
Topic: How often do YOU rebalance and when?
Replies: 39
Views: 2070

Re: Any FRANCHISE owners here?

I liked to think of franchise owners as merely employees of the higher company who just happen to put up substantial capital. It depends on the company and location but they often are not free to make many decisions on their own (prices, opening hours, etc). If your 20 year old calls in sick for the...
by red5
Tue Sep 16, 2014 5:41 am
 
Forum: Personal Finance (Not Investing)
Topic: Any FRANCHISE owners here?
Replies: 30
Views: 3326

Re: Investing $100

I was your age when I first started to invest, which was not to awful long ago. Do you have a job yet? Student loans? What I did was I began to sink the maximum Roth contribution at the age of 22 and have done so ever since. My investments are very passive and there is certainly no "trading&quo...
by red5
Sun Sep 14, 2014 5:31 am
 
Forum: Investing - Help with Personal Investments
Topic: Investing $100
Replies: 15
Views: 1864

Re: Angry when stock market is down

Is the market down today? I'll usually give it a check sometime in the later afternoon just in case there isn't some 5% decline for some "strategic" rebalancing. But seriously, live life.
by red5
Fri Sep 12, 2014 11:27 am
 
Forum: Investing - Theory, News & General
Topic: Angry when stock market is down
Replies: 79
Views: 4221

Re: Costco vs Amazon?

Purchasing milk throughout the year saves us our entire membership fee and then more. Milk is .75 to 1.00 dollar cheaper at Costco than any of the other local grocery stores. And the good thing about this is you don't buy it in bulk. Other items that we tend to purchase there include apples (fruit),...
by red5
Thu Sep 11, 2014 10:38 am
 
Forum: Personal Consumer Issues
Topic: Costco vs Amazon?
Replies: 60
Views: 4819

Re: What do you measure your AA against?

You can find a Retirement Fund (changes over time) or a Lifestyle Fund (does not change over time) that has a similar AA to what your AA is and compare it to that.
by red5
Sun Sep 07, 2014 5:27 am
 
Forum: Personal Finance (Not Investing)
Topic: What do you measure your AA against?
Replies: 20
Views: 1143

Re: Which index applies most to my portfolio

What you have is a portfolio which is *not* meant to track a single US index. You have a portfolio which consists of 4 internal funds which *are* meant to track various indices. Your portfolio is not going to track Nasdaq, SP500 nor the DJIA. It may receive similar looking gains and losses (for the ...
by red5
Sat Aug 16, 2014 5:31 am
 
Forum: Investing - Help with Personal Investments
Topic: Which index applies most to my portfolio
Replies: 2
Views: 369

Re: How are you doing through the first half of 2014?

pop77 wrote:Is there a mathematical way to 'un-annualize' XIRR? I use Quicken and their performance reports show only XIRR.


For periods of less than a year where one has an annualized CAGR (XIRR) number:

(1+XIRR)^(Number of Days/365)-1

So it would be about 180 to 185 days from Jan 1 to Jun 30, or so.
by red5
Fri Jul 04, 2014 6:47 am
 
Forum: Investing - Theory, News & General
Topic: How are you doing through the first half of 2014?
Replies: 91
Views: 10074

Re: NY Yankees seats - best value?

New Yorkers...I'm taking my kids to their first NY Yankees game. Which seats are the best value? I'm taking 6 people so and trying to balance fun without spending thousands of dollars. Thanks. Put the money in their VG accounts and watch the game on TV....gas, tolls, parking, tickets, and food. You...
by red5
Tue Jul 01, 2014 8:43 am
 
Forum: Personal Consumer Issues
Topic: NY Yankees seats - best value?
Replies: 12
Views: 937

Re: How do I calculate STDEV of my portfolio?

I would like to calculate the standard deviation of my portfolio as a whole. Would anyone help me learn how to do that? I would like a number that I could compare to the standard deviation reported by each mutual fund, or the the standard deviation reported by Morningstar for a mutual fund. Assume ...
by red5
Mon Jun 30, 2014 6:50 am
 
Forum: Investing - Theory, News & General
Topic: How do I calculate STDEV of my portfolio?
Replies: 11
Views: 1170
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