Bogleheads

You can convert the 1 share to 30 - B shares at a later date for free I think without tax consequences I believe so just hold the A-share if you want voting rights.

I live in Florida so I just did a VG plan using VG only funds custom made to my AA that I wanted:

20% domestic stock
30% International stock
20% cash
20% bonds
10% TIPS

low overall ER and go ...

I am interested in hearing about special state or county specific retirement/investment plans for research reasons in case I decide to move to a certain state. I will describe my own as well as a spe ...

The fear is that employers would switch to HSAs but not refund any of the premium savings back to employees leaving employees on the hook for a higher deductible.

Wouldnt it then be up to the e ...

The common wisdom on this forum is to consider your portfolio to be a unified portfolio consisting of all investments and then allocate things to accounts based on factors such as tax efficiency and a ...

I have been keeping an eye on HSAs for a while now and have always wanted one but I get "Free" complete insurance from my job. I could decline insurance and get $100 per month taxable compe ...

I dont mean to bring this to a political level but if it doesnt violate rules, what political party proposed this specific section of the legislation?

One might assume that a party who is against p ...

Why not just use half treasury MMF and half short term investment grade VG fund?

After getting a refund from the previous tax year and kicking my inner diehard, I increased the number of deductions on my W4 by 1. This, combined with my wife starting to work mid year, resulted in a ...

I dont mean to bring this to a political level but if it doesnt violate rules, what political party proposed this specific section of the legislation?

One might assume that a party who is against p ...

10% Vanguard Precious Metals & Mining (because I already have it)

its a terrible reason to keep it because you already have it. its a closed fund so I would keep probably $1k in it just ...

i suggest gathering a list of items that you personally use on a daily basis and making your own market basket.

How would this compare to just monitoring last years expenses to this years expense ...

But when housing increased 200% over the previous 3 years before last year, how was CPI only 3%?

If I track my cost of living from last year, live exactly the same this year, and notice a 15% i ...

If you are truly that concerned about the US Government and its financial procedures and institutions, or think there is some kind of conspiracy theory re. inflation, perhaps you should hold %100 p ...

Let me suggest a much simpler "conservative portfolio" idea:

20% U.S. stocks
20% international stocks
60% TIPS

TIPS are based on an imaginary number that the US Government makes up e ...

Just wondering about one small point, though... if you want MMF in Euros, why do you feel they have to be held in an offshore bank, and that you have to wait to implement that part of your strategy ...

Not sure how many calories I get per day but it seems to be enough. I'm 30 and do Taekwondo in the morning and work late at my office most nights. Seem to have plenty of energy.

Breakfast is always ...

In allenmickers example there is no gain, hence no tax. In a taxable account a capital gains distribution reinvested is also a no gain scenario, but there is a tax. Hence the conclusion that tax ine ...

I imagine this makes a huge difference in actively managed funds and probably much less of a difference in index funds with low turnover.

Bingo.. Ergo the frequent suggestion to put tax inefficient ...

I always kind of poo-pooed traditional IRA tax-deferred accounts (I prefer Roth), because you are going to have to pay more tax at the end because your taxable income will be more coming out (hopefull ...

I pay on average about $4 per pound of meat, and $2 per pound of fruit/vegatables.

I eat about 1 to 2 lbs of meat per day and another 1 to 2 lbs of fruits/vegatables. At my most frugal, I spend $1 ...

Altria spun off PM on its own last month and split the stock it seems. However on bigcharts.com it shows Altria (MO) as having a 15% yield and a PE ratio of 5.

My guess is that those numbers are s ...

I spend under a $100/month for groceries. I usually only buy raw ingredients I can cook with like fruits and vegetables. If anything my grocery bill has gone down as I have gotten older and stopped bu ...

I've been on here a few months and initially made several posts about what I thought I wanted my AA to be, and have been doing continuous research and think I have my final draft.

Its somewhat base ...

Pharmaceuticals could benefit greatly from universal healthcare, for example, due to a greatly expanded customer base

Wont the government impose price fixing and reduce the pharm companies profits ...

I noticed someone mentioned this point briefly in another post about a different topic.

Without getting political in an investing forum, if one group wins the election in November, a common belief ...

The choice of pension plans is a morass. So many types, and it really depends on your situation. A SIMPLE might be good in your case but there is no substitute for learning about the choices.

A ...

I am thinking about becoming self employed. I was excited to see that a SEP ira has a $45k limit as opposed to the $15k limit from a normal 401k. I was disappointed to see that its capped at 25% of ...

Pretend the government were a business.

Look at the balance sheet of our hypothetical business. Look at that number in the liabilities column.

Imagine that your business cannot go bankrupt and ...

At what point does speculating and index investing blur?

Lets look at the two extremes:

100% money invested in a single stock you select is 100% speculating

100% money invested in an index fu ...

Im going to keep an eye on GE and if either of these 2 scenarios occur I will buy it:

1) GE remains the same for two weeks while S&P500 goes up 4% over that time frame

or

2) GE drops ano ...

I know that when a stock is going to give a dividend, the share price lowers immediately after the ex dividend day because the payment is coming from the company cash resovoir and now the company is w ...

So based on that logic, provided that I always rebalance into the same ratio, I could do an equal split 25-25-25-25 between US TSM, Pacific Index, Euro Index, and EM Funds.

I'm pretty much a fan of cap weighting, but it does present bubble risk. Let's say emerging markets do great. They start out at 10% of the global market in your example, but after 15 years, they're 20 ...

I keep reading people say that having one market weighted global fund is bad because you lose the ability to rebalance it, such that lets say you are:

40% US
35% Euro
15% Asia
10% EM

And EM d ...

It's a no-brainer.

I already have over $25,000 invested in my HSA tax-deferred account. PLUS, a tax write-off of $5,800 every year!

Don't miss this opportunity.

Is that for 2 people? I thoug ...

CCFs to me seem extremely volatile on both up and down swings. Its said to be insurance against a bear stock market.

So lets say I take $2500k out of stocks from my $50k portfolio now and put that ...

So then its much better to Short the inverse ETF than it is to long oil?

How do you know it was the best indicator?

The best indicator is the one that proves the point you are trying to make Smile

The term you are looking for is "Rollover IRA" and as stated above, allows you to put it back into a 401k at a later date if you choose.

If you choose never to roll it back into a differe ...

The only real indicator that past performance can show future results is past performance of these threads popping up everyday is future results of more of these threads.

Lets say that interest rates were higher last year by a few hundred basis points. The bonds all increased in value to match a new issue bond with lower yield.

In theory either bond will give you a ...

It'll be cheaper than 0.6% e.r., although it may be a little too heavy on the U.S. portion for your tastes. Something like 40% to 45% U.S. according to the announcement Vanguard made.

Regards,
Br ...

Based on the previous thread I looked on VGs breakdown of international funds - and I was shocked to see that Japan is around 75% of the Asia Fund, which only consists of 4 countries by the way (Austr ...

Instead of 25% Cash which are essentially short term bonds, and 25% long term bonds, how would 50% Intermediate term bonds do instead? Yes they arent as volatile as long term but anytime I read abou ...

If you don't plan to market-cap weight the regions, how do you plan to slice them? How is your approach better than just buying the total market?

This brings up a good point that I was considering ...

There are some problems with this partitioning of foreign regions. For example, what about Australia? Also, Latin America is pretty much a big subset of Emerging Markets.

Best wishes,
Ken

I a ...

How would you go about slicing and dicing international equity by region?

From what I have seen, I feel that international could be sliced (by region, not market weighing) into:

Euro
Asia
Lati ...

I have no idea one way or the other about what tax laws will be like when I retire, which is part of the reason why I prefer to hedge my bets and use some of both.
The OP is already hedging with the ...

To the extent your asset allocation allows:

Bonds/Reit in tax-deferred (Trad IRA, 401k)
Stocks in tax-free (Roth IRA, Roth 401k)

Justin

Whats your reasoning?