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Re: VTSMX in Roth IRA and Taxable Account

If you plan on tax-loss harvesting in your taxable account, watch out for wash sales (buying in Roth, selling in taxable, within 30 days of each other). And re-invested dividends count in the wash sale rules.
by rkhusky
Wed Aug 20, 2014 8:02 am
 
Forum: Investing - Help with Personal Investments
Topic: VTSMX in Roth IRA and Taxable Account
Replies: 8
Views: 393

Re: Incorporating new asset classes

c1 and c2 are probably time dependent. It is unlikely that e is normal. This is similar to Fama-French modeling (or factor analysis).
by rkhusky
Tue Aug 19, 2014 9:13 am
 
Forum: Investing - Theory, News & General
Topic: Incorporating new asset classes
Replies: 1
Views: 189

Re: VWALX - 15.5 maturity vs 6.2 duration. Real sensitivity

Vanguard recently changed how they report maturity, so that may be why it seems so high now compared to the past. They are reporting something called "stated maturity" whereas before it was "effective maturity", if I recall correctly. Morningstar reports the latter. Distribution ...
by rkhusky
Mon Aug 11, 2014 4:01 pm
 
Forum: Investing - Theory, News & General
Topic: VWALX - 15.5 maturity vs 6.2 duration. Real sensitivity?
Replies: 3
Views: 447

Re: Where to buy little plastic bottles?

dratkinson wrote:Recall suggestion to put all bottles in a leak-proof baggy, as a second line of defense.

I do that now, but would prefer non-leak bottles.
by rkhusky
Mon Aug 11, 2014 3:58 pm
 
Forum: Personal Consumer Issues
Topic: Where to buy little plastic bottles?
Replies: 24
Views: 1599

Re: So where's that inflation many forecasted?

What happens to me is that I tend to pay selective attention to the things that increase. Things that do not increase don't get noticed because it's what you expect. Things that decrease tend to get attributed to one's own shrewd buying. Which is why you need a uniform statistical measure of inflat...
by rkhusky
Mon Aug 11, 2014 3:51 pm
 
Forum: Investing - Theory, News & General
Topic: So where's that inflation many forecasted?
Replies: 43
Views: 2597

Re: Reminder: Check your 401K contribution rates

I just use a fixed dollar amount.
by rkhusky
Mon Aug 11, 2014 2:18 pm
 
Forum: Investing - Theory, News & General
Topic: Reminder: Check your 401K contribution rates
Replies: 27
Views: 3545

Re: Where to buy little plastic bottles?

Nalgene makes a travel set that you can buy on amazon.com. 8 bottles in the set of various sizes and shapes. They're sturdier than most bottles this size, and in many years of travel use, I've never had one leak. I'm always having trouble with water-like liquids leaking out due to pressure changes ...
by rkhusky
Mon Aug 11, 2014 2:16 pm
 
Forum: Personal Consumer Issues
Topic: Where to buy little plastic bottles?
Replies: 24
Views: 1599

Re: "Russan Gang Amasses Over A Billion Stolen Passwords"

And in case some folks missed it, VG bumped up the allowable length of their password field to 20 characters. If there is any *one* password item to change to make a password tougher to break, length is it. If you're not using a 20ish character PW on VG's site yet, please make a note to change it. ...
by rkhusky
Mon Aug 11, 2014 7:35 am
 
Forum: Personal Consumer Issues
Topic: "Russan Gang Amasses Over A Billion Stolen Passwords"
Replies: 87
Views: 7324

Re: Why is Germany such a small part of European Index Funds

If the market cap is not representative of the economies of the countries, should one under or over-weight them somehow? Like people recommend for REIT's.
by rkhusky
Mon Aug 11, 2014 7:26 am
 
Forum: Investing - Theory, News & General
Topic: Why is Germany such a small part of European Index Funds?
Replies: 6
Views: 899

Re: Maxing roth 401k vs trad 401k in high income tax bracket

If the US replaces the income tax with a federal sales tax, then those that invested in tax-deferred would pay no tax on their investment and those with Roth would see no tax benefit. It's difficult to predict the future, especially if you are 40+ years from retirement.
by rkhusky
Sat Aug 09, 2014 6:47 am
 
Forum: Investing - Theory, News & General
Topic: Maxing roth 401k vs trad 401k in high income tax bracket
Replies: 13
Views: 1240

Re: Tell Vanguard they need 2 factor authentication

I think you need to make a serious distinction between a situation like Target where Target's systems were breached due to a vulnerability in their system, and a situation where an individual has his account stolen from because someone was able to log onto their account. Exactly right. You help pre...
by rkhusky
Sat Aug 09, 2014 6:34 am
 
Forum: Personal Consumer Issues
Topic: Tell Vanguard they need 2 factor authentication
Replies: 52
Views: 2317

Re: Timing cap gains & losses fun

Broadly both, but more specifically, they were purchased during or after March 2012. I mentioned 2009 because IIRC, that's when brokerages had to start calculating and providing basis information for covered shares. Reporting did not start until 2011. Mutual fund reporting did not start until 2012.
by rkhusky
Fri Aug 08, 2014 1:26 pm
 
Forum: Investing - Theory, News & General
Topic: Timing cap gains & losses fun
Replies: 8
Views: 476

Re: Timing cap gains & losses fun

AnimalCrackers wrote:I plan to liquidate a taxable account that will have a balance of about $8k in stock and bond ETFs (purchased no earlier than March 2012)

...

because the purchases were after 2009 or something,


Which is it? Purchased on or after March 2012? Or after 2009?
by rkhusky
Fri Aug 08, 2014 11:42 am
 
Forum: Investing - Theory, News & General
Topic: Timing cap gains & losses fun
Replies: 8
Views: 476

Re: Moving Average Backtest destroys Buy/Hold. Try for yours

These type of strategies may work sometimes, but other times they don't. You need to check over multiple starting and ending points. And there are thousands of people trying these strategies, including big trading houses with Harvard/MIT grads using all sorts of complex formulas. One may work for a...
by rkhusky
Thu Aug 07, 2014 2:20 pm
 
Forum: Investing - Theory, News & General
Topic: Moving Average Backtest destroys Buy/Hold. Try for yourself.
Replies: 59
Views: 4346

Re: Moving Average Backtest destroys Buy/Hold. Try for yours

I changed the date to 1/3/2008 and SPY won. These type of strategies may work sometimes, but other times they don't. You need to check over multiple starting and ending points. And there are thousands of people trying these strategies, including big trading houses with Harvard/MIT grads using all so...
by rkhusky
Thu Aug 07, 2014 12:54 pm
 
Forum: Investing - Theory, News & General
Topic: Moving Average Backtest destroys Buy/Hold. Try for yourself.
Replies: 59
Views: 4346

Re: Rebalancing question

I get more excited when there are big losses in stocks, because then I can buy low. I am almost perversely disappointed when the market continually gains, because I know that I will continue to buy and fear that I am buying high. By fixating on the portfolio percentages and mechanically rebalancing,...
by rkhusky
Wed Aug 06, 2014 1:34 pm
 
Forum: Investing - Theory, News & General
Topic: Rebalancing question
Replies: 30
Views: 911

Re: "Russan Gang Amasses Over A Billion Stolen Passwords"

On second glance....... over a billion is a big number... population of the earth is maybe 7.5 billion? Deduct a few billion for unconnected folk in China, India, the third world, etc., and a couple billion more for infants, juveniles, the elderly who don't use password sites, etc. Do they have the...
by rkhusky
Wed Aug 06, 2014 11:54 am
 
Forum: Personal Consumer Issues
Topic: "Russan Gang Amasses Over A Billion Stolen Passwords"
Replies: 87
Views: 7324

Re: Stop Passing Up This Great Deal - In Money Magazine

IMO, the worst statement in the article was in the graphic which said "Saving in a Roth 401(k) at 45 beats using a regular one no matter what happens to your taxes in 20 years." Really?! Even if your tax rate is zero at retirement. And then the graphic shows the differences if your tax bra...
by rkhusky
Wed Aug 06, 2014 8:33 am
 
Forum: Investing - Theory, News & General
Topic: Stop Passing Up This Great Deal - In Money Magazine
Replies: 80
Views: 10897

Re: "Strong passwords"

"This particular case doesn't affect us directly." I wonder what that means. Seems like it would affect pretty much everybody directly, at least potentially. They are not stealing passwords in order to make odd posts under your username on Bogleheads. On the other hand, if you use the sam...
by rkhusky
Wed Aug 06, 2014 8:21 am
 
Forum: Personal Consumer Issues
Topic: "Russan Gang Amasses Over A Billion Stolen Passwords"
Replies: 87
Views: 7324

Re: Approximating TSM with SSgA Index Funds

Another poster had SVSCX for SSgA SC Ind Sec Lend.
by rkhusky
Tue Aug 05, 2014 9:01 am
 
Forum: Investing - Help with Personal Investments
Topic: Approximating TSM with SSgA Index Funds
Replies: 7
Views: 373

Re: REITS-worth the time to add 10% into portfolio

REITs are about 3-4% of the total US market (which you already have). What makes REITs so special that you would overweight them over Materials or Utilities (which are a similarly small part of the market)? It's accurate to say that they are 3-4% of the total US publicly available stock market. The...
by rkhusky
Tue Aug 05, 2014 8:54 am
 
Forum: Investing - Help with Personal Investments
Topic: REITS-worth the time to add 10% into portfolio
Replies: 33
Views: 2628

Re: REITS-worth the time to add 10% into portfolio

Title says it all. In a 3 fund portfolio, is current thought to add REIT?? Question is more accurately stated as "Add more REIT?" because the fully diversified Total Stock Market already has REIT's. Do you want 10% more than what is in TSM (i.e. ~13% not 3.3%)? Or a total of 10% for your ...
by rkhusky
Tue Aug 05, 2014 8:38 am
 
Forum: Investing - Help with Personal Investments
Topic: REITS-worth the time to add 10% into portfolio
Replies: 33
Views: 2628

Re: Best allocation for new 401K deposits?

Wouldn't it be easier to invest new contributions to my 401K in this 70/30 ratio? Yes. You will still need to rebalance occasionally, but it will be less often than if you put new money all into stocks. Once your portfolio gets big enough, your contributions will have little effect on your AA becau...
by rkhusky
Tue Aug 05, 2014 7:38 am
 
Forum: Investing - Help with Personal Investments
Topic: Best allocation for new 401K deposits?
Replies: 5
Views: 497

Re: Do I need a small cap index if I already have total mark

Tilting to small caps increases the risk in your portfolio with an increased potential for higher gains, but also the potential for larger occasional losses. You can also increase risk (and potential higher gains) by increasing your percentage of stocks versus bonds. By tilting towards a market segm...
by rkhusky
Mon Aug 04, 2014 4:22 pm
 
Forum: Investing - Theory, News & General
Topic: Do I need a small cap index if I already have total market ?
Replies: 58
Views: 5320

Re: Funding a 592 for grandchildren after retirement?

Question 2- Does it make sense to convert tax-deferred funds to a 529 rather than a Roth? Right now I don't think so for many reasons, but would like to get input on this. You don't convert tax-deferred funds to a 529. You would withdraw the tax-deferred funds (and pay tax) and then deposit in the ...
by rkhusky
Mon Aug 04, 2014 10:25 am
 
Forum: Investing - Help with Personal Investments
Topic: Funding a 529 for grandchildren after retirement?
Replies: 19
Views: 812

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: 23
Views: 1081

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: 674

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: 1190

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: 4012

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: 4012

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: 4012

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: 2257

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: 36
Views: 2916

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: 395

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: 1071

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: 17
Views: 881

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: 35
Views: 5117

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: 3739

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: 5648

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: 1217

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: 2723

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: 3741

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: 13
Views: 1871

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: 3739

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: 5020

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: 470

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: 1433

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: 1433

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: 4369

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: 1055
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