Search found 23 matches

by zucckerbugger
Tue Feb 12, 2013 7:48 pm
Forum: Personal Finance (Not Investing)
Topic: Critique My Rebalancing Spreadsheet
Replies: 23
Views: 3272

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-tilted markets) About the Spreadhseet Pretty impressive. How do you generate the figures in the Morningstar style boxes on the bottom? Did you enter the 9 values for each fund on a different tab, and then compute these out proportionally to your holdings? I guess you would need to update the "source data" for the M* style boxes every so often for each fund you have as these do change over time (annually? quarterly?). :happy "...........
by zucckerbugger
Tue Feb 12, 2013 6:45 pm
Forum: Personal Finance (Not Investing)
Topic: Critique My Rebalancing Spreadsheet
Replies: 23
Views: 3272

Re: Critique My Rebalancing Spreadsheet

SSSS wrote: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).

Image

Nice job...
by zucckerbugger
Tue Feb 12, 2013 6:41 pm
Forum: Personal Finance (Not Investing)
Topic: Critique My Rebalancing Spreadsheet
Replies: 23
Views: 3272

Re: Critique My Rebalancing Spreadsheet

frequentT wrote: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. I have used the google spreadsheet for about 18 months and it works well. The only thing I manually input are dividend increases and transactional changes.

That sounds like a good idea. Gotta check it out....

But I do this on my iPad....not sure google docs work well on iPad.....
by zucckerbugger
Mon Feb 11, 2013 6:23 pm
Forum: Investing - Theory, News & General
Topic: Exchanging funds in Roth IRA.
Replies: 5
Views: 562

Re: Exchanging funds in Roth IRA.

moneytobless wrote: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 question. most certainly part of total.....duh
by zucckerbugger
Mon Feb 11, 2013 6:09 pm
Forum: Investing - Theory, News & General
Topic: Exchanging funds in Roth IRA.
Replies: 5
Views: 562

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 6:06 pm
Forum: Investing - Theory, News & General
Topic: Exchanging funds in Roth IRA.
Replies: 5
Views: 562

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 5:55 pm
Forum: Investing - Theory, News & General
Topic: Exchanging funds in Roth IRA.
Replies: 5
Views: 562

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 5:58 am
Forum: Personal Investments
Topic: Poor couple looking for retirement IRA advice
Replies: 42
Views: 9230

Re: Poor couple looking for retirement IRA advice

Congrats. Keep on keepin' on.....
by zucckerbugger
Mon Feb 11, 2013 5:53 am
Forum: Investing - Theory, News & General
Topic: Small/Value Tilt question
Replies: 27
Views: 4033

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 4:48 am
Forum: Investing - Theory, News & General
Topic: found some cool videos
Replies: 2
Views: 673

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 4:39 am
Forum: Investing - Theory, News & General
Topic: found some cool videos
Replies: 2
Views: 673

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 4:22 am
Forum: Personal Finance (Not Investing)
Topic: Critique My Rebalancing Spreadsheet
Replies: 23
Views: 3272

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 yours. All my funds are organized by rows, not columns as you have done, but it really is the same either way. Its funny. All the spreadsheets I see are usually in rows. My brain wants to see it in columns. Rows just feel and look wrong to me. Not ACTUALLY right or wrong, just the way it is. Reminds me of wearing a watch on my left wrist (im right handed) but it just feels so wrong, i have always put my watch (when i wear one) on my right wrist ...
by zucckerbugger
Mon Feb 11, 2013 3:47 am
Forum: Personal Finance (Not Investing)
Topic: Critique My Rebalancing Spreadsheet
Replies: 23
Views: 3272

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 have and zero in on the actual-target comparison by fund. Perhaps somebody is doing something interesting and helpful with their spreadsheet that I neglected to do. That's all. In that case it would help to know how you use the spreadsheet. If I'm reading it correctly, it looks like it doesn't necessarily tell you how to rebalance, but rather lets you plug in what-if scenarios and gives you feedback. How often do you update it? How often do you ...
by zucckerbugger
Mon Feb 11, 2013 3:27 am
Forum: Personal Investments
Topic: MESSY portfolio! How to reallocate?
Replies: 6
Views: 1310

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 determine how much income tax you owe when you convert. If you have no other IRAs and you open a $5,000 nondeductible IRA and then convert it, you only owe tax on the earnings, if any. By contrast, if you have a $95,000 traditional IRA (pre-tax contributions), and you convert a $5,000 nondeductible contribution to a new IRA, the conversion would be 95% taxable. So how do you remove the pretax IRA from the equation? Transfer it to a 401(k). Many e...
by zucckerbugger
Sun Feb 10, 2013 9:34 pm
Forum: Personal Investments
Topic: MESSY portfolio! How to reallocate?
Replies: 6
Views: 1310

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 8:24 pm
Forum: Personal Finance (Not Investing)
Topic: Critique My Rebalancing Spreadsheet
Replies: 23
Views: 3272

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 Portfolio (Under "Asset allocation visualized") - We normally suggest that you only need to track everything to the nearest 5%. Do you really need more precision? - The costs, while part of your considerations on which funds to hold, are extra information and seem distracting for the purposes of rebalancing or tracking your funds. Why do you have so many funds? Are they in different accounts, e.g. taxable or deferred? If so, you should identif...
by zucckerbugger
Sun Feb 10, 2013 7:35 pm
Forum: Personal Finance (Not Investing)
Topic: Critique My Rebalancing Spreadsheet
Replies: 23
Views: 3272

Re: Critique My Rebalancing Spreadsheet

Rosencrantz wrote: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 however, I need the name of the fund and not just the ticker.

Thanks for posting this, zucckerbugger.

Just for the record, I don't mind comments on my holdings. Appreciate the time anybody takes to comment. Thanks.

Thanks
-z
by zucckerbugger
Sun Feb 10, 2013 7:18 pm
Forum: Personal Finance (Not Investing)
Topic: Critique My Rebalancing Spreadsheet
Replies: 23
Views: 3272

Re: Critique My Rebalancing Spreadsheet

Aptenodytes wrote: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 have and zero in on the actual-target comparison by fund.
Perhaps somebody is doing something interesting and helpful with their spreadsheet that I neglected to do. That's all.
by zucckerbugger
Sun Feb 10, 2013 6:29 pm
Forum: Personal Investments
Topic: SMall cap blend for taxable
Replies: 5
Views: 1283

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 probably the best choice; using Tax-Managed Small-Cap gives up the value benefit. You can get more small-cap and value exposure by using another index, but VIOV (S&P 600 value) and VTWV (Russell 200 value) both cost 0.10% more in real expenses (after subtracting the "acquired fund fees and expenses" from Business Development Companies), and I don't believe that is worth the benefit that you need slightly less to get the same exposure. Tha...
by zucckerbugger
Sun Feb 10, 2013 5:43 pm
Forum: Personal Investments
Topic: SMall cap blend for taxable
Replies: 5
Views: 1283

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 1:40 pm
Forum: Personal Finance (Not Investing)
Topic: Critique My Rebalancing Spreadsheet
Replies: 23
Views: 3272

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 this money into ETF/funds soon) Start with Row 3 = Ticker and info about ETF/Fund Row 2 right above = ER for that fund (with an average weighted ER for my entire portfolio off to the right (not including money market) Row 1 (top row) = how much each fund/ETF costs yearly in dollars..... with a total off to the right (not including money market) Row 4 = current total $ in each fund (the spreadsheet pulls this from another sheet where I only have to c...