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Re: My Return for 2014 for Wealthfront is less than 2%

Wondering if I should just stick with the 3-funds portfolio. I was looking to move all the funds to Wealthfront, but now getting second thoughts. Especially, after reading this article - http://pragcap.com/2014-portfolio-review-what-strategies-worked-didnt-work That article seems to be suggesting a...
by tj
Thu Mar 05, 2015 1:41 am
 
Forum: Investing - Help with Personal Investments
Topic: My Return for 2014 for Wealthfront is less than 2%
Replies: 28
Views: 3520

Re: Vanguard Personal Advisor Service Investment Plan

Thanks again for all the replies. Our plan is to contribute annually $47k into our combined portfolios. At this rate would retirement at age 50 with an annual withdrawal of $100k be too unreasonable? The $47k would be each of us maxing out our TSP/401 plus IRA accounts. Our combined income is aroun...
by tj
Wed Mar 04, 2015 12:18 pm
 
Forum: Investing - Help with Personal Investments
Topic: Vanguard Personal Advisor Service Investment Plan
Replies: 28
Views: 1796

Re: Dividends and Market Slides

I would say that VDIGX offered some protection in 2008-2009. Will it during the next crisis? impossible to know.

Image
by tj
Wed Mar 04, 2015 9:53 am
 
Forum: Investing - Theory, News & General
Topic: Dividends and Market Slides
Replies: 55
Views: 3148

Re: Vanguard Personal Advisor Service Investment Plan

I'd save your 30bps from PAS and just throw it in Vanguard LifeStrategy Growth. It can't hurt you to have a 20% allocation to bonds.
by tj
Wed Mar 04, 2015 1:15 am
 
Forum: Investing - Help with Personal Investments
Topic: Vanguard Personal Advisor Service Investment Plan
Replies: 28
Views: 1796

Re: Dividends and Market Slides

So growth stocks and value stocks behave exactly the same in down markets? Interesting. And I am not asking about living off dividends. Perhaps my questions weren't clear. I am asking about the value of dividends to overall returns, especially in down markets, and the stock-price implications of di...
by tj
Tue Mar 03, 2015 10:35 pm
 
Forum: Investing - Theory, News & General
Topic: Dividends and Market Slides
Replies: 55
Views: 3148

Re: International increase in Target Retirement & LifeStrate

So have we caught Vanguard market-timing in TR and LS funds? Perhaps they're upping the percentage of international exposure because they anticipate a decline in domestic investments. Or they think a global portfolio makes more sense as time goes on. I support the equity change, but the bond change...
by tj
Tue Mar 03, 2015 10:07 pm
 
Forum: Investing - Theory, News & General
Topic: International increase in Target Retirement & LifeStrategy
Replies: 138
Views: 9701

Re: The Three Fund Portfolio

Decided to go with a Schwab ETF version of the 3 Fund Portfolio. My question centers around the weighting of the 3 International funds. Your thoughts? SCHB US Broad Market SCHZ. US Aggregate Bond SCHC International Small Cap Equity SCHF international Equity SCHE Emerging Market Equity Just use SCHF...
by tj
Tue Mar 03, 2015 9:49 pm
 
Forum: Investing - Theory, News & General
Topic: The Three Fund Portfolio
Replies: 1027
Views: 460082

Re: Bank of America/Merrill Edge - Preferred Rewards

The $1000 offer is available again. This one is good until March 31, but they keep getting renewed. http://www.merrilledge.com/offers/1000offer My bonus from last August paid out without hassle. It just showed up. Good to hear. Hopefully, mine (from September) will show up next week. It takes 7 mon...
by tj
Tue Mar 03, 2015 12:29 pm
 
Forum: Personal Finance (Not Investing)
Topic: Bank of America/Merrill Edge - Preferred Rewards
Replies: 48
Views: 3740

Re: Bank of America/Merrill Edge - Preferred Rewards

you can specify setup the account to have dividends automatically transferred out to a checking or savings account of your choice. In fact, the dividends that Merrill Edge received last Friday are now already sitting in a high yield checking account. Wow, that's really nice. Maybe better than Vangu...
by tj
Sun Mar 01, 2015 4:20 pm
 
Forum: Personal Finance (Not Investing)
Topic: Bank of America/Merrill Edge - Preferred Rewards
Replies: 48
Views: 3740

Re: Inheritance to be held in expensive trust for ~10 years

This article has the different tax rates for 2015 on people and trusts/estates: http://www.forbes.com/sites/kellyphillipserb/2014/10/30/irs-announces-2015-tax-brackets-standard-deduction-amounts-and-more/ Trusts start in the 15% tax bracket and hit the top tax bracket on income over $12,300. I'm su...
by tj
Sun Mar 01, 2015 12:59 am
 
Forum: Personal Finance (Not Investing)
Topic: Inheritance to be held in expensive trust for ~10 years
Replies: 55
Views: 6417

Re: Converting a personal property to a rental property

I would suggest you read NOLO Every Landlords Tax Deduction Guide http://www.nolo.com/products/every-landlords-tax-deduction-guide-dell.html It is the lesser of the fair market value or your cost basis. My accountant made me dig up all receipts to prove my cost basis. She rightfully said the year I...
by tj
Sat Feb 28, 2015 11:09 pm
 
Forum: Personal Finance (Not Investing)
Topic: Converting a personal property to a rental property
Replies: 7
Views: 682

Re: Bank of America/Merrill Edge - Preferred Rewards

you can specify setup the account to have dividends automatically transferred out to a checking or savings account of your choice. In fact, the dividends that Merrill Edge received last Friday are now already sitting in a high yield checking account. Wow, that's really nice. Maybe better than Vangu...
by tj
Sat Feb 28, 2015 7:43 pm
 
Forum: Personal Finance (Not Investing)
Topic: Bank of America/Merrill Edge - Preferred Rewards
Replies: 48
Views: 3740

Re: International increase in Target Retirement & LifeStrate

I wonder if the Institutional Target Date will replace the investors in the Nationwid 401ks. You have to assume plans who use Nationwide have a combined more than 100 million invested in vanguard target funds.
by tj
Sat Feb 28, 2015 7:36 pm
 
Forum: Investing - Theory, News & General
Topic: International increase in Target Retirement & LifeStrategy
Replies: 138
Views: 9701

Re: International increase in Target Retirement & LifeStrate

I am not Warren Buffett, and I have not recommended the Vanguard S&P 500 index fund for my spouse should I perish. I have, instead, recommended one of the LifeStrategy funds. They have always offered a "one stop shop" for diversification in stocks and bonds, and this move does nothing...
by tj
Sat Feb 28, 2015 12:04 pm
 
Forum: Investing - Theory, News & General
Topic: International increase in Target Retirement & LifeStrategy
Replies: 138
Views: 9701

Re: List of favorite accounts

I'll play. Bank Accounts: Consumers Credit Union - Rewards checking. Similar to LMCU, but they pay 3.09% on up to $20,000 with 12 debit transactions. If you have thier credit card and spend $1000/mo on it, they bump it to 5.09%, or if you do 12 credit card transactions it is 4.09%. I figured that by...
by tj
Tue Feb 24, 2015 11:52 pm
 
Forum: Personal Finance (Not Investing)
Topic: List of favorite accounts
Replies: 30
Views: 3890

Re: What age do you guys plan to retire?

Depends on if I have kids or not and if I change careers or not.

At 29, it's way too early to tell.
by tj
Tue Feb 24, 2015 12:52 am
 
Forum: Personal Finance (Not Investing)
Topic: What age do you guys plan to retire?
Replies: 143
Views: 8588

Re: How much did you have saved up for retirement at age 30?

I'll be 30 later this year. I'm at roughly ~100k in retirement and taxable investments + another $100k in real estate equity. I got lucky in that I bought RE in early 2010 after the real estate market crashed (w/ some parental help on the down payment) and I got lucky in that I started investing in ...
by tj
Tue Feb 24, 2015 12:49 am
 
Forum: Personal Finance (Not Investing)
Topic: How much did you have saved up for retirement at age 30?
Replies: 172
Views: 12255

Re: Schwab Intelligent Portfolio Details

Consider me underwhelmed. I don't like the forced cash and bonds holdings. I'd rather use a couple Vanguard funds for bonds with a robo-advisor for stocks. Right now, the only way to do that seems to be with Betterment and they charge a fee. Wealthfront does not invest all your cash which I learned ...
by tj
Mon Feb 23, 2015 11:33 pm
 
Forum: Investing - Theory, News & General
Topic: Schwab Intelligent Portfolio Details
Replies: 25
Views: 3190

Re: Index funds in a bear market?

The whole reason to choose the managed fund is they have the freedom to switch into treasuries if it makes sense. With the index, you would have to make that decision on your own to switch to another index. Standard & Poor's tracks managed funds vs. the fund's index. This is their finding: Bear...
by tj
Mon Feb 23, 2015 11:20 pm
 
Forum: Investing - Help with Personal Investments
Topic: Vanguard Wellesley Income Fund a Buy?
Replies: 37
Views: 3563

Re: Whats the best Bank to have on the west coast?

All of the big banks are out here. Wells Fargo, Bank of America, Chase, Citibank, US Bank.

You see a lot of Union Banks in Southern California too.
by tj
Mon Feb 23, 2015 9:42 pm
 
Forum: Personal Finance (Not Investing)
Topic: Whats the best Bank to have on the west coast?
Replies: 21
Views: 1267

Re: Vanguard Wellesley Income Fund a Buy?

QLTA If you are willing to accept somewhat lower quality, there is LQD and VCIT. Here's the thing about those funds -it's only corporate bonds. The whole reason to choose the managed fund is they have the freedom to switch into treasuries if it makes sense. Wit hthe index, you would have to make th...
by tj
Mon Feb 23, 2015 9:30 pm
 
Forum: Investing - Help with Personal Investments
Topic: Vanguard Wellesley Income Fund a Buy?
Replies: 37
Views: 3563

Re: Vanguard Wellesley Income Fund a Buy?

It's a bit odd that the stock portion of Wellesley has the benchmark of the High Dividend index, but the stock portion of Wellington has the benchmark of the S&P 500. Some of the problems with Wellington and Wellesley may be the huge amount of assets. Mairs & Power Balanced, for instance, ha...
by tj
Mon Feb 23, 2015 8:29 pm
 
Forum: Investing - Help with Personal Investments
Topic: Vanguard Wellesley Income Fund a Buy?
Replies: 37
Views: 3563

Re: Vanguard Wellesley Income Fund a Buy?

Barclays U.S. Credit A or Better Bond Index <---- What index fund follows that index?
by tj
Mon Feb 23, 2015 7:33 pm
 
Forum: Investing - Help with Personal Investments
Topic: Vanguard Wellesley Income Fund a Buy?
Replies: 37
Views: 3563

Re: Only 2 Funds Needed - Wellington & Wellesley?

My wife and I are in our early 50s and have our funds allocated as follows: Emergency funds - I-Bonds IRAs - Wellington Admiral shares Savings - Wellesley Admiral shares. 401K - Fidelity index funds (Balanced 60/40) Should we be looking at any other funds other than Wellington and Wellesley? Having...
by tj
Sun Feb 22, 2015 9:49 pm
 
Forum: Investing - Help with Personal Investments
Topic: Only 2 Funds Needed - Wellington & Wellesley?
Replies: 7
Views: 1282

Re: Vanguard Wellesley Income Fund a Buy?

I think that Wellesley and Wellington will become my only 2 funds until I move my TSP in 6-9 years, but am certainly considering moving it into Wellesley as well (taxable acct) If you have the TSP, this is a good reason not to use Wellesley and Wellington, because the TSP G fund has lower risk than...
by tj
Sun Feb 22, 2015 9:45 pm
 
Forum: Investing - Help with Personal Investments
Topic: Vanguard Wellesley Income Fund a Buy?
Replies: 37
Views: 3563

Re: Only 2 Funds Needed - Wellington & Wellesley?

Both great funds. Note that roughly 75-80% of the bonds in Wellington and Wellesley are investment grade. It has been said that investment grade bonds tend to behave more like equities during periods of equity market stress and therefore may not provide the same diversification as Treasuries. Inter...
by tj
Sun Feb 22, 2015 8:50 pm
 
Forum: Investing - Help with Personal Investments
Topic: Only 2 Funds Needed - Wellington & Wellesley?
Replies: 7
Views: 1282

Re: Thoughts on replacing tires?

I had a nail in mine, so I took it to Just Tires. Got Kelly Chargers, which were one of the cheaper models, and they seem to be just fine.
by tj
Sat Feb 21, 2015 2:52 pm
 
Forum: Personal Consumer Issues
Topic: Thoughts on replacing tires?
Replies: 60
Views: 3441

Re: JAGIX alternatives (FDFFX)?

I do own DODIX and FAGIX. Meanwhile I sold JAGIX due to its performance and low rating. Should I just by more DODIX? The Fidelities are slightly better rated on some sites. But they also don't have the same portfolio. DODIX has mostly treasuries. DODIX does NOT have mostly treasuries. From the most...
by tj
Fri Feb 20, 2015 9:34 pm
 
Forum: Investing - Help with Personal Investments
Topic: JAGIX alternatives (FDFFX)?
Replies: 8
Views: 839

Re: Financial Advisor, worth it? - McAdam

If you fell compelled to hire an advisor, just hire one of the robo-advisors.
by tj
Fri Feb 20, 2015 7:33 pm
 
Forum: Investing - Help with Personal Investments
Topic: Financial Advisor, worth it? - McAdam
Replies: 26
Views: 1952

Re: Turbotax - verify how to add TIPS, Munis

Just to confirm, if one had $1000 of dividends from Vanguard's limited term tax-exempt fund, one would enter $1000 * (1 - .14.11% - 0.13% - 0.19% - 0.02%) = $855.5 (rounded to $856?) on line 20 of IT-201 ? I believe that is correct. No, because New York requires that 50% of the assets of a fund be ...
by tj
Thu Feb 19, 2015 10:32 pm
 
Forum: Personal Finance (Not Investing)
Topic: Turbotax - verify how to add TIPS, Munis
Replies: 15
Views: 1097

Re: Bogleheads 2015 Hedge Fund Contest

Looks like my Fizz Biz is chugging along. Should have invested some real $$$ in Dr Pepper Snapple. ;-)
by tj
Wed Feb 18, 2015 8:45 pm
 
Forum: Investing - Theory, News & General
Topic: Bogleheads 2015 Hedge Fund Contest
Replies: 126
Views: 11429

Re: Pick Out My New TV For Me

The problem with going to bestBuy is I'd have to haul it home in my car. The nice thing about Amazon is they'll deliver it and take it out of the box and plug it in. I think bestBuy.com will do this as well, but I don't think if you go to the store that they'll deliver and hook it up for you for fr...
by tj
Tue Feb 17, 2015 9:12 am
 
Forum: Personal Consumer Issues
Topic: Pick Out My New TV For Me
Replies: 30
Views: 2109

Re: Pick Out My New TV For Me

In the past 18 months we have purchased 3 HD TVs ranging in size from 32 to 90 inches. As to which size to get, bigger is generally better. You have to get within 5 feet of our 90-inch Sharp TV to see the Pixels. We have a Sharp, Samsung and Sony TVs. My only recommendation is that you stay away fr...
by tj
Mon Feb 16, 2015 10:35 pm
 
Forum: Personal Consumer Issues
Topic: Pick Out My New TV For Me
Replies: 30
Views: 2109

Re: Expecting a big inheritance - Should it change my life?

Should it affect how much I save? Already, it has made me less eager to save. It's harder to get motivated. I am saving just enough in my 401K to get the full company match, but no more. The last few years, I've been taking much nicer vacations - Maui vs. New Jersey Shore(like I used to when younge...
by tj
Sun Feb 15, 2015 6:47 pm
 
Forum: Personal Finance (Not Investing)
Topic: Expecting a big inheritance - Should it change my life?
Replies: 124
Views: 7905

Re: Expecting a big inheritance - Should it change my life?

Should it affect how much I save? Already, it has made me less eager to save. It's harder to get motivated. I am saving just enough in my 401K to get the full company match, but no more. The last few years, I've been taking much nicer vacations - Maui vs. New Jersey Shore(like I used to when younge...
by tj
Sun Feb 15, 2015 5:08 pm
 
Forum: Personal Finance (Not Investing)
Topic: Expecting a big inheritance - Should it change my life?
Replies: 124
Views: 7905

Re: Expecting a big inheritance - Should it change my life?

I absolutely ignore the prospect of any inheritance and so should you. Never count any chickens until they are hatched. I have parents in 70's and stand to inherit an eight figure amount. They could live until they are 100 and hope they do. I don't adjust my asset allocation and save the same as if...
by tj
Sun Feb 15, 2015 4:03 pm
 
Forum: Personal Finance (Not Investing)
Topic: Expecting a big inheritance - Should it change my life?
Replies: 124
Views: 7905

Re: Turbotax - verify how to add TIPS, Munis

⋅  Vanguard TIPS fund ... I then use the Vanguard table ... I see 99.95%. I multiply that amount by the amount of the dividends ... ⋅ ... if I live in NY and own the Limited term-tax exempt , I look at the Vanguard supplied table and see 13.88% of this fund is from NY. So, if I ...
by tj
Sun Feb 15, 2015 3:37 pm
 
Forum: Personal Finance (Not Investing)
Topic: Turbotax - verify how to add TIPS, Munis
Replies: 15
Views: 1097

Re: Turbotax - verify how to add TIPS, Munis

It has been pointed out to me that difference between the charts is assets vs income. The appropriate chart to use is income. Assets are important for some state laws; check with your state tax bureau. For example, some states tax all the income of a mutual fund unless at least half the assets are ...
by tj
Sun Feb 15, 2015 2:52 pm
 
Forum: Personal Finance (Not Investing)
Topic: Turbotax - verify how to add TIPS, Munis
Replies: 15
Views: 1097

Re: Merrill Edge free trades - is the service worth it?

It appears that there are also no fees for trading mutual funds at Merrill Edge. Admiral shares are not available though. I'm still showing Vanguard funds as "transaction fee" funds. $20/trade unless you do automatic investments where they will waive the transaction fee. Where are you see...
by tj
Sun Feb 15, 2015 10:28 am
 
Forum: Investing - Help with Personal Investments
Topic: Merrill Edge free trades - is the service worth it?
Replies: 28
Views: 2544

Re: Merrill Edge free trades - is the service worth it?

It appears that there are also no fees for trading mutual funds at Merrill Edge. Admiral shares are not available though.
by tj
Sun Feb 15, 2015 2:15 am
 
Forum: Investing - Help with Personal Investments
Topic: Merrill Edge free trades - is the service worth it?
Replies: 28
Views: 2544

Re: Vision and Dental Insurance Question

You can look into one of these dental plans which is available through various credit unions. You'd have to compare the cost of the "group negotiated rate" plus premium vs the rate that you can negotiate on your own.

http://www.benefitservices.com/default/
by tj
Sun Feb 15, 2015 12:22 am
 
Forum: Personal Finance (Not Investing)
Topic: Vision and Dental Insurance Question
Replies: 28
Views: 1520

Re: Pick Out My New TV For Me

Wow, here's a 58" Sanyo for $500 - the picture is probably terrible though:

http://www.tigerdirect.com/applications ... _campaign=
by tj
Sat Feb 14, 2015 1:04 pm
 
Forum: Personal Consumer Issues
Topic: Pick Out My New TV For Me
Replies: 30
Views: 2109

Pick Out My New TV For Me

I am in the market for a new TV. I have a small-ish Magnovox LCD that's probably like 15 years old and a Sony 42" LCD thats 5 years old. The TVs are fine, I just want something bigger. I don't care about "smart features", but most TVs these days seem to be Smart TVs. I'm a bit worried...
by tj
Fri Feb 13, 2015 10:13 pm
 
Forum: Personal Consumer Issues
Topic: Pick Out My New TV For Me
Replies: 30
Views: 2109

Re: Fully Depreciated Rental Condo - Question

The IRS will not tell you over the phone how much depreciation was taken, and a tax transcript is not likely to show this information. You will probably need to request a copy of the actual tax return (including all forms schedules) for one or more years. The particular form needed is Form 4562. Th...
by tj
Tue Feb 10, 2015 4:52 pm
 
Forum: Personal Finance (Not Investing)
Topic: Fully Depreciated Rental Condo - Question
Replies: 31
Views: 1477

Re: Ten Year Treasuries Up 1.68 to 1.95 This Week

1) Liquidity and rebalancing bonus: I've had great success selling appreciated Treasuries to buy stocks during a correction. This is only for rebalancing, so you can imagine it's not a huge percentage that I have earmarked for that, but still -- doing the same with CDs would have been unpleasant. T...
by tj
Sat Feb 07, 2015 7:18 pm
 
Forum: Investing - Help with Personal Investments
Topic: Ten Year Treasuries Up 1.68 to 1.95 This Week
Replies: 24
Views: 1959

Re: Streaming alternatives to Netflix and Amazon?

Diish Network's new Sling TV? www.sling.com
by tj
Sat Feb 07, 2015 7:05 pm
 
Forum: Personal Consumer Issues
Topic: Streaming alternatives to Netflix and Amazon?
Replies: 5
Views: 640

Re: Canadian index fund

Peculiar_Investor wrote:Vanguard doesn't offer index mutual funds in Canada, they only offer Vanguard Canada ETFs.



iShares has a Canadian index ETF.
by tj
Fri Feb 06, 2015 10:47 am
 
Forum: Investing - Help with Personal Investments
Topic: Canadian index fund
Replies: 6
Views: 631

Re: Turnover Ratio: Do fund manager follow buy-hold philosop

I'm surprised to see that the Diivdend Growth fund has 18% turnover, but then again, looking at the various other funds, I guess it's not that high comparatively speaking.
by tj
Thu Feb 05, 2015 8:31 pm
 
Forum: Investing - Theory, News & General
Topic: Turnover Ratio: Do fund manager follow buy-hold philosophy??
Replies: 12
Views: 2152
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