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Re: Critique My Rebalancing Spreadsheet

The green boxes at the bottom give MY box numbers for my US dollars / international / EM international dollars as I add and subtract (calculations from different page and based on weighted style boxes of each relevant fund) (the little gray numbers below green boxes are reference numbers for non-ti...
by zucckerbugger
Tue Feb 12, 2013 9:48 pm
 
Forum: Personal Finance (Not Investing)
Topic: Critique My Rebalancing Spreadsheet
Replies: 23
Views: 1647

Re: Critique My Rebalancing Spreadsheet

Here's my spreadsheet: http://i48.tinypic.com/1zzgzn5.png Only the blue cells are meant to be edited -- everything else is auto-calculated (with the core component being =googlefinance() for price lookups). [img_resize=100:1am89f28]http://i48.tinypic.com/1zzgzn5.png[/img_resize:1am89f28] Nice job...
by zucckerbugger
Tue Feb 12, 2013 8:45 pm
 
Forum: Personal Finance (Not Investing)
Topic: Critique My Rebalancing Spreadsheet
Replies: 23
Views: 1647

Re: Critique My Rebalancing Spreadsheet

Enjoyed seeing your spreadsheet design! Very creative and elegant! Hope it helps you better manage your assets. One suggestion: consider using google docs and you will be able to have your fund prices downloaded automatically and save you the manual labor of inputting and also transcription errors....
by zucckerbugger
Tue Feb 12, 2013 8:41 pm
 
Forum: Personal Finance (Not Investing)
Topic: Critique My Rebalancing Spreadsheet
Replies: 23
Views: 1647

Re: Exchanging funds in Roth IRA.

I would think it depends on whether or not you reinvest them. I don't reinvest, but have my dividends moved to my money market account. So I don't include dividends in my account total. But if you do reinvest, then they would be a part of your total when rebalancing. I reinvest them. Stupid questio...
by zucckerbugger
Mon Feb 11, 2013 8:23 pm
 
Forum: Investing - Theory, News & General
Topic: Exchanging funds in Roth IRA.
Replies: 5
Views: 244

Re: Exchanging funds in Roth IRA.

Another stupid question .. Do you rebalance based on the current total INCLUDING the dividends or NOT INCLUDING the dividends? I would think INCLUDING ....?
by zucckerbugger
Mon Feb 11, 2013 8:09 pm
 
Forum: Investing - Theory, News & General
Topic: Exchanging funds in Roth IRA.
Replies: 5
Views: 244

Re: Exchanging funds in Roth IRA.

I already own VIPSX IN THERE. Just doing a little rebalancing. Haven't really decided on percentages of the various parts of my bond portion of my portfolio but TIPS is down compared to my starting amount so gonna move a little from total bond to TIPS.
by zucckerbugger
Mon Feb 11, 2013 8:06 pm
 
Forum: Investing - Theory, News & General
Topic: Exchanging funds in Roth IRA.
Replies: 5
Views: 244

Exchanging funds in Roth IRA.

Stupid question but .... If I want to exchange 1000 dollars of total bond for TIPS inside my vanguard Roth IRA it doesn't matter which shares I exchange correct? I just click exchange, plug in the info and that's it right? No tax consequences or anything....

Thank You :happy
by zucckerbugger
Mon Feb 11, 2013 7:55 pm
 
Forum: Investing - Theory, News & General
Topic: Exchanging funds in Roth IRA.
Replies: 5
Views: 244

Re: Poor couple looking for retirement IRA advice

Congrats. Keep on keepin' on.....
by zucckerbugger
Mon Feb 11, 2013 7:58 am
 
Forum: Investing - Help with Personal Investments
Topic: Poor couple looking for retirement IRA advice
Replies: 42
Views: 4529

Re: Small/Value Tilt question

Chan_va wrote:Thanks. I will plan to slowly wade in with VISVX.


Just FYI: You can save 14bps by using the ETF (VBR) instead of the investor shares (VISVX).

To be fair, you can get the admiral shares (same ER as ETF) at 10K as well.....

good luck
-z
by zucckerbugger
Mon Feb 11, 2013 7:53 am
 
Forum: Investing - Theory, News & General
Topic: Small/Value Tilt question
Replies: 27
Views: 2230

Re: found some cool videos

empb wrote:Not sure whether you know this but Larry is a prolific poster on this forum under the handle: 'larryswedroe'

cool
-z
by zucckerbugger
Mon Feb 11, 2013 6:48 am
 
Forum: Investing - Theory, News & General
Topic: found some cool videos
Replies: 2
Views: 284

found some cool videos

Here is a page of videos from "The BAM ALLIANCE."

I really enjoy reading and listening to Larry Swedroe.

http://www.thebamalliance.com/BAMIntell ... genceVideo

Enjoy.
by zucckerbugger
Mon Feb 11, 2013 6:39 am
 
Forum: Investing - Theory, News & General
Topic: found some cool videos
Replies: 2
Views: 284

Re: Critique My Rebalancing Spreadsheet

Thank you for sharing this. I enjoy looking over other people's spreadsheet creations to look for ideas and differences. I built one before coming to this site and over the years it has become expansive (yet easy to maintain). I do have a tab dedicated to asset allocation and it is quite similar to...
by zucckerbugger
Mon Feb 11, 2013 6:22 am
 
Forum: Personal Finance (Not Investing)
Topic: Critique My Rebalancing Spreadsheet
Replies: 23
Views: 1647

Re: Critique My Rebalancing Spreadsheet

Not sure why you want it critiqued. Such tools should support decision making, and you are the best judge of how best to support your decisions. Every one is different so you need to make it work for you. In my case the prime decision is where to direct new contributions so I hide a lot of what you...
by zucckerbugger
Mon Feb 11, 2013 5:47 am
 
Forum: Personal Finance (Not Investing)
Topic: Critique My Rebalancing Spreadsheet
Replies: 23
Views: 1647

Re: MESSY portfolio! How to reallocate?

Here is a page on backdoor ROTH IRA. Read about the pro rata rule. http://www.forbes.com/sites/ashleaebeling/2012/01/23/the-backdoor-roth-ira-advanced-version/ "The barrier to the backdoor Roth—in many folks’ minds—is the pro rata rule. The rule says that you have to aggregate all your IRAs to ...
by zucckerbugger
Mon Feb 11, 2013 5:27 am
 
Forum: Investing - Help with Personal Investments
Topic: MESSY portfolio! How to reallocate?
Replies: 6
Views: 689

Re: MESSY portfolio! How to reallocate?

I'm no expert. Consider backdoor Roth Ira as an option. Others will explain and elaborate I'm sure.
Good luck.
by zucckerbugger
Sun Feb 10, 2013 11:34 pm
 
Forum: Investing - Help with Personal Investments
Topic: MESSY portfolio! How to reallocate?
Replies: 6
Views: 689

Re: Critique My Rebalancing Spreadsheet

For starters, I'd put the text descriptions in each row instead of numbers, e.g. Row 1 would say "ETF Costs" - it's much easier to read that way. Next, this is a much more complicated view of the cascading asset allocation spreadsheet in the wiki: Using a Spreadsheet to Maintain a Portfol...
by zucckerbugger
Sun Feb 10, 2013 10:24 pm
 
Forum: Personal Finance (Not Investing)
Topic: Critique My Rebalancing Spreadsheet
Replies: 23
Views: 1647

Re: Critique My Rebalancing Spreadsheet

I understand the OP is seeking comments on his spreadsheet, not his particular holdings chicagobear. I track my portfolio with Excel, with each mutual fund occupying a separate row, not column. Interesting to see things organized this way though. I like how everything is color-coded as well. For me...
by zucckerbugger
Sun Feb 10, 2013 9:35 pm
 
Forum: Personal Finance (Not Investing)
Topic: Critique My Rebalancing Spreadsheet
Replies: 23
Views: 1647

Re: Critique My Rebalancing Spreadsheet

Not sure why you want it critiqued. Such tools should support decision making, and you are the best judge of how best to support your decisions. Every one is different so you need to make it work for you. In my case the prime decision is where to direct new contributions so I hide a lot of what you...
by zucckerbugger
Sun Feb 10, 2013 9:18 pm
 
Forum: Personal Finance (Not Investing)
Topic: Critique My Rebalancing Spreadsheet
Replies: 23
Views: 1647

Re: SMall cap blend for taxable

I'm using VBR in taxable (just started adding it). Should I be using tax-managed? Very confusing subject and so many small cap funds/ETFs at vanguard? -z VBR (small-cap value) doesn't have a tax-managed alternative. If your investment strategy requires small-cap value in taxable, then VBR is probab...
by zucckerbugger
Sun Feb 10, 2013 8:29 pm
 
Forum: Investing - Help with Personal Investments
Topic: SMall cap blend for taxable
Replies: 5
Views: 503

Re: SMall cap blend for taxable

I'm using VBR in taxable (just started adding it). Should I be using tax-managed? Very confusing subject and so many small cap funds/ETFs at vanguard?
-z
by zucckerbugger
Sun Feb 10, 2013 7:43 pm
 
Forum: Investing - Help with Personal Investments
Topic: SMall cap blend for taxable
Replies: 5
Views: 503

Critique My Rebalancing Spreadsheet

http://i48.tinypic.com/omd1j.png Here is my portfolio tracking spreadsheet (mac numbers on ipad). Works pretty well for me. Yellow Column - Reits (dont own any yet) Blue Columns - Stocks (US first two, international next 5) ORange Columns - Bonds Black Column - Money Market Account (plan to get thi...
by zucckerbugger
Sun Feb 10, 2013 3:40 pm
 
Forum: Personal Finance (Not Investing)
Topic: Critique My Rebalancing Spreadsheet
Replies: 23
Views: 1647

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