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Re: W/ AA - consider all accounts as one, including spouse?

You need multiple funds in each account in order to rebalance. You can't sell bonds in her IRA and only buy stock in yours. You can't sell International in your 401K and only buy US in your IRA.
by rkhusky
Thu Jul 31, 2014 2:20 pm
 
Forum: Investing - Help with Personal Investments
Topic: W/ AA - consider all accounts as one, including spouse?
Replies: 15
Views: 574

Re: Great Cliff Asness Primer on Quant Investing

I thought this was going to teach me how to be one of those rich nerds on Wall Street doing quant investing of stocks. :(
by rkhusky
Thu Jul 31, 2014 12:55 pm
 
Forum: Investing - Theory, News & General
Topic: Great Cliff Asness Primer on Quant Investing
Replies: 4
Views: 523

Re: The emerging market portion of Total International Stock

arcticpineapplecorp. wrote:Finally, is the emerging market portion of VTIAX invested in the same companies (and same ratios of large/mid/small) as the actual Emerging Market Index Fund (VEMAX)?


VEMAX does not have small small companies.
by rkhusky
Wed Jul 30, 2014 7:29 am
 
Forum: Investing - Theory, News & General
Topic: The emerging market portion of Total International Stock
Replies: 5
Views: 1114

Re: Was ready to pull plug on Janus..until

well I had them all in 2008..If I had a more balanced fund out that time say 50-50 stock bond split during the crash, I still would have been better off with my 100% in Janus equity funds. I guess maybe you are talking a much longer bear market?..Is that were the bond allocation pays off? How was y...
by rkhusky
Tue Jul 29, 2014 4:43 pm
 
Forum: Investing - Help with Personal Investments
Topic: Was ready to pull plug on Janus..until
Replies: 66
Views: 3825

Re: Was ready to pull plug on Janus..until

My old 457 has both Janus Twenty and Vanguard Institutional Index Fund as their options in the category "US Large Cap Equity Fund". Janus Twenty was one of the first funds I ever owned, which I bought directly from Janus for my IRA. I picked it because it was at the top of the heap at the...
by rkhusky
Tue Jul 29, 2014 4:38 pm
 
Forum: Investing - Help with Personal Investments
Topic: Was ready to pull plug on Janus..until
Replies: 66
Views: 3825

Re: Was ready to pull plug on Janus..until

I get you have to compare apples to apples, but I'm trying to justify the move to Vanguard total stock market index when the funds I'm currently in have outperformed over an 8 year period. I chose 8 because that's where my records started. You stated "still liking janus" when you only sho...
by rkhusky
Tue Jul 29, 2014 4:30 pm
 
Forum: Investing - Help with Personal Investments
Topic: Was ready to pull plug on Janus..until
Replies: 66
Views: 3825

Re: A third of Americans delinquent on debt, study says

I would say the real number is probably lower. Many collections are due to clerical errors. For example, I have some collections to a utility company. I know its bogus, they corrected it saying was a mistake on their part but they refuse to go to the credit agency to remove it and I really dont car...
by rkhusky
Tue Jul 29, 2014 4:21 pm
 
Forum: Personal Finance (Not Investing)
Topic: A third of Americans delinquent on debt, study says
Replies: 23
Views: 2189

Re: Should retirement investors own small/value stocks at al

Increasing the number of factors is likely to increase the accuracy of explaining the return of a given portfolio (just as increasing the number of parameters in any model tends to do, especially if they are somewhat orthogonal). It is less clear that these factors can be used to predict the future ...
by rkhusky
Tue Jul 29, 2014 3:07 pm
 
Forum: Investing - Theory, News & General
Topic: Should retirement investors own small/value stocks at all?
Replies: 35
Views: 2493

Re: T-401k vs Roth 401k Company Match

I imagine you are getting the same amount of money in employer match whether you invest in an after-tax or tax-deferred account, so you aren't losing anything. Since your employer has no choice as to where to put the matching funds, you don't either. If you have no control, why do you worry about it...
by rkhusky
Tue Jul 29, 2014 8:02 am
 
Forum: Investing - Help with Personal Investments
Topic: T-401k vs Roth 401k Company Match
Replies: 7
Views: 373

Re: How to complement VWENX to get full diversification?

Wellington has some international stocks, but is large value oriented. Add an extended market fund at 10-20% and you should not be too bad.
by rkhusky
Mon Jul 28, 2014 2:43 pm
 
Forum: Investing - Help with Personal Investments
Topic: How to complement VWENX to get full diversification?
Replies: 9
Views: 1039

Re: Bank account to teach kids

flyingbison wrote:Unless you are talking about large sums of money, why bother with a bank at that age. Just set up a spread sheet and you can be the bank.

This is what I do and I pay 5.25% interest, just like I used to get.
by rkhusky
Mon Jul 28, 2014 11:12 am
 
Forum: Personal Finance (Not Investing)
Topic: Bank account to teach kids
Replies: 8
Views: 337

Re: Vanguard eliminates fee on FTSE All-World ex-US Small-Ca

Having received the Vanguard email message, I immediately logged onto the fund with intent to set up automatic investment - its fee is the reason that has prevented me from DCA. To my surprise, its site still shows the fees. Do I miss something here? The fund page is no longer showing the fees. I'm...
by rkhusky
Mon Jul 28, 2014 8:27 am
 
Forum: Investing - Theory, News & General
Topic: Vanguard eliminates fee on FTSE All-World ex-US Small-Cap
Replies: 24
Views: 3517

Re: Do you "Tax Adjust" your Asset Allocation (Pre vs Roth,

Thought I'd work through a simple example to see the effects of tax adjusting the AA. Assume $100 each in Roth and 401K. 25% tax on 401K withdrawal. 50/50 Stock/Bond ratio. Look at 100% gain, no gain, 50% loss in stocks (no change in bonds). And whether the 401K is all stocks or all bonds. Gain/loss...
by rkhusky
Fri Jul 25, 2014 8:05 am
 
Forum: Investing - Theory, News & General
Topic: Do you "Tax Adjust" your Asset Allocation (Pre vs Roth, etc)
Replies: 77
Views: 3685

Re: Knowledge gaps + anxiety = shame; gender and investing

It is long seemed obvious to me that, in anything not directly related to reproduction, any systematic differences between the population of men as a whole and the population of women as a whole is tiny, compared to the differences between different individual men, or to the differences between dif...
by rkhusky
Wed Jul 23, 2014 8:55 am
 
Forum: Investing - Theory, News & General
Topic: Knowledge gaps + anxiety = shame; gender and investing
Replies: 77
Views: 5483

Re: Computer Fried By Lightning - Security Question

Was your hard drive damaged? If not, perhaps you can pull it and have the repair company use a generic boot disk.

At a minimum, you should encrypt all login information stored on your computer, including things like mothers maiden name, SS #'s, answers to secret questions, etc.
by rkhusky
Wed Jul 23, 2014 8:25 am
 
Forum: Personal Consumer Issues
Topic: Computer Fried By Lightning - Security Question
Replies: 15
Views: 1188

Re: How to track expenses to the penny?

Keep all your receipts and use a software program like Quicken. Having a category for sales tax is easier than trying to calculate it for each category on a multi-category receipt.
by rkhusky
Tue Jul 22, 2014 1:53 pm
 
Forum: Personal Finance (Not Investing)
Topic: How to track expenses to the penny?
Replies: 40
Views: 2667

Re: Poll: Has your AA changed in the last 18 months

TomatoTomahto wrote:I am gliding toward 50/50 at a leisurely pace.

+1
by rkhusky
Tue Jul 22, 2014 1:52 pm
 
Forum: Investing - Theory, News & General
Topic: Poll: Has your AA changed in the last 18 months
Replies: 58
Views: 3538

Re: Missing TSP Contribution?

My TSP contribution usually posts 3 days before my paycheck hits my checking account.
by rkhusky
Mon Jul 21, 2014 11:30 am
 
Forum: Personal Finance (Not Investing)
Topic: Missing TSP Contribution?
Replies: 9
Views: 1176

Re: Do you "Tax Adjust" your Asset Allocation (Pre vs Roth,

Traditional account withdrawals will only be taxed at your marginal rate if you have other sources of income, like a pension (unless your marginal rate is zero). You really need to estimate the average tax rate on your traditional account withdrawals. Depending on your situation, it may or may not m...
by rkhusky
Mon Jul 21, 2014 11:26 am
 
Forum: Investing - Theory, News & General
Topic: Do you "Tax Adjust" your Asset Allocation (Pre vs Roth, etc)
Replies: 77
Views: 3685

Re: POLL: Are You Re-Balancing?

Yes. I have narrow rebalancing bands (1%), so I do small rebalancings up to a dozen times a year. I calculate my AA at least monthly and since it costs me virtually nothing to rebalance, in dollars or time, I figure why not. It also makes me nervous to do large rebalancings and doing it this way mak...
by rkhusky
Tue Jul 15, 2014 10:15 am
 
Forum: Investing - Help with Personal Investments
Topic: POLL: Are You Re-Balancing?
Replies: 70
Views: 4976

Re: Questions about diversification and rebalancing

Now that I'm reading a lot more about investing, I'm leaning towards creating a more diverse portfolio -- likely one with some reits, small value stocks and maybe a few others. Your TR2050 fund is as already very diverse and it includes REIT's and small value. If you want to get more diverse, you s...
by rkhusky
Fri Jul 04, 2014 10:26 am
 
Forum: Investing - Help with Personal Investments
Topic: Questions about diversification and rebalancing
Replies: 6
Views: 469

Re: Allocating a 3-fund portfolio over 2 IRAs

gvsucavie03 wrote:I do like TR, but I don't want to be that conservative at the target date and beyond (I'd like to sustain 50/50 in retirement since I have a pension plan).


You can always switch to other funds once you reach retirement age.
by rkhusky
Wed Jul 02, 2014 11:49 pm
 
Forum: Investing - Help with Personal Investments
Topic: Allocating a 3-fund portfolio over 2 IRAs
Replies: 27
Views: 1416

Re: Allocating a 3-fund portfolio over 2 IRAs

I would wait on using the 3-funds until it is unlikely that one of the funds would drop below the $3K limit. I would use the 3 funds in each of the IRA's - it would make rebalancing a lot easier. If you go with the setup you have now, whose IRA is expected to be much smaller, yours or hers? And does...
by rkhusky
Wed Jul 02, 2014 10:30 am
 
Forum: Investing - Help with Personal Investments
Topic: Allocating a 3-fund portfolio over 2 IRAs
Replies: 27
Views: 1416

Re: Sallie Mae incorrectly calculating interest?

One of the reasons I participate in the 'Bogleheads' is that I find many here are also fascinated - or 'obsessed' as my wife would say - with these matters of accuracy and precision, such as what years are and are not leap years, the differences between the Julian and Gregorian calendars and the de...
by rkhusky
Fri Jun 27, 2014 12:23 pm
 
Forum: Personal Finance (Not Investing)
Topic: Sallie Mae incorrectly calculating interest?
Replies: 85
Views: 4128

Re: Struggling with my TSP Asset Allocation

So, have you been jumping in and out of the market based on recommendations from these TSP advisory groups? Would be interesting to know what your performance has been in relation to L2020 (or some linear combination of L2020 & L2030). The 5 year annual return for L2020 was 11% and 6% since ince...
by rkhusky
Fri Jun 27, 2014 8:23 am
 
Forum: Investing - Help with Personal Investments
Topic: Struggling with my TSP Asset Allocation
Replies: 12
Views: 1042

Re: Modeling the Worst Case for Stocks

Models that attempt to describe the economic or investing future with actionable accuracy in real time should be viewed with great skepticism. The future is unknown and unknowable, period. All we can do is make educated guesses and their track record is about the same as a coin flip. Instead of ago...
by rkhusky
Fri Jun 27, 2014 7:58 am
 
Forum: Investing - Theory, News & General
Topic: Modeling the Worst Case for Stocks
Replies: 41
Views: 3086

Re: Sallie Mae incorrectly calculating interest?

The sales tax in my neck of the woods is 6.5%. I have noticed that WalMart always rounds these up; so if I purchase something for a buck, Wal-Mart charges me $1.07. I bet a good chunk of the local Wal-Mart's profit comes off this half penny! BTW, I am not being facetious! Could be true, depending o...
by rkhusky
Thu Jun 26, 2014 3:41 pm
 
Forum: Personal Finance (Not Investing)
Topic: Sallie Mae incorrectly calculating interest?
Replies: 85
Views: 4128

Re: Sallie Mae incorrectly calculating interest?

Originally I was rounding to the nearest cent and still noticed the numbers were always off by a few cents. After speaking with someone at Sallie Mae (and you're right about the amount of time and $ i've probably already spent contacting them btw) I was told their algorithm goes many decimal points...
by rkhusky
Thu Jun 26, 2014 1:26 pm
 
Forum: Personal Finance (Not Investing)
Topic: Sallie Mae incorrectly calculating interest?
Replies: 85
Views: 4128

Re: Sallie Mae incorrectly calculating interest?

OK so US mortgages use 365 days? What about Leap Years? Does it vary the amount between the February and the March payment? Mortgage payments do not care about the number of days in a month. HEL payments do. So, yes, for a HEL, the interest for February in a leap year would have 1 day more of inter...
by rkhusky
Thu Jun 26, 2014 1:20 pm
 
Forum: Personal Finance (Not Investing)
Topic: Sallie Mae incorrectly calculating interest?
Replies: 85
Views: 4128

Re: Paul Merriman article: every investor needs Small Cap Va

Edit: let me add that your failure to understand factors is not evidence against them I don't think anyone can argue against the existence of the factors. After all, they are just results of a principle components analysis that relates the returns of a given portfolio to sequences of numbers that a...
by rkhusky
Thu Jun 26, 2014 12:21 pm
 
Forum: Investing - Theory, News & General
Topic: Paul Merriman article: every investor needs Small Cap Value
Replies: 127
Views: 6801

Re: Modeling the Worst Case for Stocks

As the prof said in my statistics class, "Anything is possible with a given probability." The key is to be able to assign probabilities to certain events and then decide what your probability cutoff is. Then you can talk about a worst case with probability greater than P. That being said, ...
by rkhusky
Thu Jun 26, 2014 10:16 am
 
Forum: Investing - Theory, News & General
Topic: Modeling the Worst Case for Stocks
Replies: 41
Views: 3086

Re: Paul Merriman article: every investor needs Small Cap Va

Exactly, which is every possible stock market weighting other that the TSM weighting, just as I said. For example, GE stock has the same risk as the market, but is not perfectly correlated with it, so any weighting other than the market weighting must be a free lunch. GE Stock does not have the sam...
by rkhusky
Thu Jun 26, 2014 8:17 am
 
Forum: Investing - Theory, News & General
Topic: Paul Merriman article: every investor needs Small Cap Value
Replies: 127
Views: 6801

Re: Sallie Mae incorrectly calculating interest?

Mortgages and HEL's compute interest differently. For HEL's the number of days between payments matters, with mortgages they don't (unless you pay late). I have both and track both in a spreadsheet. I occasionally have to adjust the HEL numbers by $0.01, but have never had to for the mortgage. Googl...
by rkhusky
Thu Jun 26, 2014 7:58 am
 
Forum: Personal Finance (Not Investing)
Topic: Sallie Mae incorrectly calculating interest?
Replies: 85
Views: 4128

Re: Am I Nuts?

Our neighbor planned to die in her house, so she did an expensive remodel that she would never be able to recoup the cost of, because the house was not worth that much and the remodel was a bit unusual. The market cratered, she lost the house, and moved to another state where the bank couldn't go af...
by rkhusky
Thu Jun 26, 2014 7:43 am
 
Forum: Personal Finance (Not Investing)
Topic: Am I Nuts? [Purchased "forever house," planning addition]
Replies: 34
Views: 2735

Re: Equal Weighting vs Market Cap Weighting

On the other hand, if you are better at valuing stocks than the market is, you can do much better than a cap weighted portfolio. True. But I know that I am not consistently better than the market and I don't know how to find a mutual fund manager who is consistently better, after accounting for fee...
by rkhusky
Wed Jun 25, 2014 3:45 pm
 
Forum: Investing - Theory, News & General
Topic: Equal Weighting vs Market Cap Weighting
Replies: 38
Views: 1567

Re: Paul Merriman article: every investor needs Small Cap Va

I own Vanguard Total Stock Market, so I do have Small Cap Value in my portfolio. Whewww! (I also own the S&P 500 and mid-cap stocks too)
by rkhusky
Wed Jun 25, 2014 11:47 am
 
Forum: Investing - Theory, News & General
Topic: Paul Merriman article: every investor needs Small Cap Value
Replies: 127
Views: 6801

Re: NY Times: Not enough younger investment advisors

arkerr123 wrote:My guess is going forward - people will only use financial advisers with high net worth.


Is that because financial advisers with high net worth are better at what they do?
by rkhusky
Wed Jun 25, 2014 8:56 am
 
Forum: Investing - Theory, News & General
Topic: NY Times: Not enough younger investment advisors
Replies: 72
Views: 7351

Re: Equal Weighting vs Market Cap Weighting

What makes the market cap weighting so popular? I am a believer in market weighted index funds, but I am playing devil's advocate here and would like to see what others think especially about value and market cap tilting and even over-weighting. Market cap index funds are popular because they are s...
by rkhusky
Tue Jun 24, 2014 5:00 pm
 
Forum: Investing - Theory, News & General
Topic: Equal Weighting vs Market Cap Weighting
Replies: 38
Views: 1567

Re: Does rental income make one eligible for Roth IRA?

Seems like your father would need to set up a business that rents out properties. If the business is a corporation, it could pay him a salary. If it is a sole-proprietorship, the net income would be counted as earned income.
by rkhusky
Tue Jun 24, 2014 2:17 pm
 
Forum: Personal Finance (Not Investing)
Topic: Does rental income make one eligible for Roth IRA?
Replies: 8
Views: 571

Re: Does rental income make one eligible for Roth IRA?

Found this on the Internet: Income which an applicant/client receives from rental property which he/she owns shall be considered earned income if the applicant/client is actively engaged in the management of the property. Such activity is to be determined by the applicant's/client's declaration or b...
by rkhusky
Tue Jun 24, 2014 2:07 pm
 
Forum: Personal Finance (Not Investing)
Topic: Does rental income make one eligible for Roth IRA?
Replies: 8
Views: 571

Re: Are small and mid caps necessary?

I would not call ER's of 0.85% and 0.62% low. You could supplement your 401K with an IRA to get more-diversified lower-cost funds. But make sure you are getting the full company match in the 401K.
by rkhusky
Tue Jun 24, 2014 11:10 am
 
Forum: Investing - Theory, News & General
Topic: Are small and mid caps necessary?
Replies: 35
Views: 2374

Schneier Facts [Humor]

For those interested in security and encryption, Bruce Schneier is a well known expert. Like the Chuck Norris facts thread that was recently bumped, here are Bruce's facts: http://www.schneierfacts.com. Some good ones: When Bruce Schneier observes a quantum particle, it remains in the same state unt...
by rkhusky
Fri Jun 20, 2014 1:24 pm
 
Forum: Personal Consumer Issues
Topic: Schneier Facts [Humor]
Replies: 2
Views: 524

Re: 401K vs Roth 401K, tax now or later?

Are you in the child tax credit phase-out region (AGI > $110,000)? If so, that adds 5% onto your marginal tax rate, likely bringing it to 30%. Do you contribute the max to a Roth IRA for your husband (or does he contribute)? The answer also depends on how big the pension will be and how much you can...
by rkhusky
Thu Jun 19, 2014 4:48 pm
 
Forum: Investing - Help with Personal Investments
Topic: 401K vs Roth 401K, tax now or later?
Replies: 4
Views: 567

Re: TSP Roth vs Taxable account

SJCX wrote:Just to be clear, we can max out the TSP at 17500, our Roth IRAs for 5500 AND the TSP Roth for another 5500? I'm pretty sure I'm reading this right but want to be clear.


The limit is 17500, until the year you turn 50. Then you can put another 5500 into either TSP or Roth TSP.
by rkhusky
Thu Jun 19, 2014 8:38 am
 
Forum: Investing - Help with Personal Investments
Topic: TSP Roth vs Taxable account
Replies: 4
Views: 371

Re: Both funds have same Risk Level, which is safer?

You should be careful comparing the credit quality of a muni fund with a corporate fund. While the rating agencies have tried to align the ratings, it is not clear to me that they are equivalent if one looks at default rates. I'm not an expert, but in my own portfolio I consider AA munis to have the...
by rkhusky
Thu Jun 19, 2014 8:07 am
 
Forum: Investing - Help with Personal Investments
Topic: Both funds have same Risk Level, which is safer?
Replies: 18
Views: 1191

Re: W-4 Exemption claim

I have regular W-2 income and I adjust my withholding in order to owe about $500 each year, without going over $1000. If I have another safe harbor, I risk getting closer to $1000.
by rkhusky
Wed Jun 18, 2014 12:00 pm
 
Forum: Personal Finance (Not Investing)
Topic: W-4 Exemption claim
Replies: 12
Views: 623

Insider Trading & Bogleheads

Does insider trading affect Boglehead-style investing results? Re: "Study asserts startling numbers of insider trading rogues" http://www.cnbc.com/id/101764568 & http://dealbook.nytimes.com/2014/06/16/study-asserts-startling-numbers-of-insider-trading-rogues/?_php=true&_type=blogs&...
by rkhusky
Tue Jun 17, 2014 8:59 am
 
Forum: Investing - Theory, News & General
Topic: Insider Trading & Bogleheads
Replies: 26
Views: 1766

Re: No bonds at all.

wassabi wrote:
steve_14 wrote:
Ok until age 40 or so. As you approach retirement, you can't recover from a long term stock bust.


40 seems a little young if we're talking about a standard retirement of around 62, no?


Starting your glide path to retirement at 40 with 10% bonds is not unreasonable (or 20%).
by rkhusky
Mon Jun 16, 2014 9:19 pm
 
Forum: Investing - Theory, News & General
Topic: No bonds at all.
Replies: 176
Views: 11876

Re: How to calculate the 10% penalty on TIRA and Roth?

Here is the simplified (which means not exactly correct) version: A: $6000 is included in income (it goes on your tax return) B: $1000 is included in income (it goes on your tax return) If this is correct. then the 10% penalty will be A: $600 B: $100 This would be another reason for why Roth IRA ha...
by rkhusky
Mon Jun 16, 2014 11:22 am
 
Forum: Personal Finance (Not Investing)
Topic: How to calculate the 10% penalty on TIRA and Roth?
Replies: 9
Views: 403
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