Search found 69 matches

by atDev
Fri Apr 09, 2010 6:16 pm
Forum: Personal Investments
Topic: Best way to split portfolio between tax/non-taxable accounts
Replies: 17
Views: 4407

Best way to split portfolio between tax/non-taxable accounts

I plan on doing this allocation:
* 50% Vanguard Total Stock Market ETF (VTI)
* 10% Vanguard Emerging Markets ETF (VWO)
* 10% Vanguard European Stock (VGK)
* 10% Vanguard Pacific Stock (VPL)
* 5% Vanguard REIT ETF (VNQ)
* 5% iShares Barclays TIPS Bond (TIP)
* 10% Vanguard Total Bond Market ETF (BND)

What is the best place for each of these? I have:
- Roth IRA
- Individual Roth 401k
- Individual 401k
- Taxable trading account

I assume VTI/VWO/VGK/VPL in the taxable account? Then VNO/TIP/BND in the IRAs? Does it matter if its the ROTH or normal IRA?
by atDev
Fri Apr 09, 2010 5:14 pm
Forum: Personal Investments
Topic: Automatic investing, but transaction fee?
Replies: 20
Views: 4910

keeping track of cost basis if you sell 10 years later would be nightmareish
I believe Etrade does this for you, but may be mistaken.
by atDev
Fri Apr 09, 2010 4:44 pm
Forum: Personal Investments
Topic: Automatic investing, but transaction fee?
Replies: 20
Views: 4910

About...

100k-200k size which the Vanguard fee won't apply.
by atDev
Fri Apr 09, 2010 2:37 pm
Forum: Personal Investments
Topic: Automatic investing, but transaction fee?
Replies: 20
Views: 4910

Looks like they charge $20/year if under 100k in funds for the individual 401k's.
by atDev
Fri Apr 09, 2010 2:35 pm
Forum: Personal Investments
Topic: Automatic investing, but transaction fee?
Replies: 20
Views: 4910

I am not seeing where Vanguard offers the Individual 401k/Roth 401k

EDIT: nevermind found it
by atDev
Fri Apr 09, 2010 2:21 pm
Forum: Personal Investments
Topic: Automatic investing, but transaction fee?
Replies: 20
Views: 4910

You'll make the fee back pretty fast in the ER if you invest a significant amount at once.

If you really want to stay with Etrade, just invest once per year. An extra 0.2% isn't the end of the world.
Yeah but I was looking to dollar cost average a bit better by investing more frequently. I guess the fact that I am with eTrade messes this up due to the fees.
by atDev
Fri Apr 09, 2010 2:14 pm
Forum: Personal Investments
Topic: Automatic investing, but transaction fee?
Replies: 20
Views: 4910

eTrade does offer automatic/no fee investing into these funds:

AROIX - American Century Livestrong
WFQSX - Wells Fargo Advantage DJ Target

But I assume the Vanguard TR funds are recommended over these?
by atDev
Fri Apr 09, 2010 2:12 pm
Forum: Investing - Theory, News & General
Topic: Core 4 - rebalanced based on age?
Replies: 25
Views: 4563

Maybe thats the advantage of splitting up my funds instead of the target date fund? I can't think what I would do in the non-IRA account and still pay attention to overall asset allocation.
by atDev
Fri Apr 09, 2010 2:03 pm
Forum: Investing - Theory, News & General
Topic: Core 4 - rebalanced based on age?
Replies: 25
Views: 4563

Unfortunately I am in the higher tax brackets. I don't have to place it there, I can do the TR in my IRA accounts but I am just wondering where to invest the money in the taxable regular trading account.
by atDev
Fri Apr 09, 2010 1:33 pm
Forum: Personal Investments
Topic: Automatic investing, but transaction fee?
Replies: 20
Views: 4910

Well I guess that poses an issue. I have an old Roth IRA, Individual 401k and Individual Roth 401k with eTrade. So if I am investing in VTIVX in all of these you are suggesting what? Move all of my accounts in order to take advantage on automatic investing?
by atDev
Fri Apr 09, 2010 11:52 am
Forum: Personal Investments
Topic: Automatic investing, but transaction fee?
Replies: 20
Views: 4910

Automatic investing, but transaction fee?

I have seen where a lot of people do weekly investments into a fund.

I have an account with eTrade but to invest in VTIVX target retirement fund there is a $19.95 transaction fee.

So if I invest $200 a week or something like that I am automatically losing 10%.

Any other way to do this for this fund VTIVX?

Plus it seems they don't have a way to automatically invest in funds which have a transaction fee. Is this fund offered anywhere else without this fee?
by atDev
Fri Apr 09, 2010 11:41 am
Forum: Investing - Theory, News & General
Topic: Core 4 - rebalanced based on age?
Replies: 25
Views: 4563

1) Finding it increasingly harder to rebalance all these funds across multiple IRA/non-IRA accounts and keep them all tax-efficient in the available space in each of the accounts.
So you would invest in the TR fund even in a non-IRA account? Most stuff I have read is that the TR funds are not all that tax efficient?

If I go with just the one target fund for all of my IRA accounts are there any thoughts what I should do with my non-IRA accounts? Is it a bad idea to do the TR in a non-IRA account due to taxes?
by atDev
Thu Apr 08, 2010 9:51 pm
Forum: Investing - Theory, News & General
Topic: Core 4 - rebalanced based on age?
Replies: 25
Views: 4563

Most of my investments are in a Roth IRA, Roth 401k and a Individual 401k.

If I do a target fund for all three of these accounts what is suggested for the non-tax deferred accounts? I can't really do an overall asset allocation since everything will get lumped into the target fund in the IRA accounts.
by atDev
Thu Apr 08, 2010 9:47 pm
Forum: Investing - Theory, News & General
Topic: Core 4 - rebalanced based on age?
Replies: 25
Views: 4563

Assuming you used Mr. Bogle's rough formula of "Bonds = Age," consider Target Retirement 2020 or 2025.
Is there any explanation why these target funds are so far off compared to Mr. Bogle's recommendation of bond %?

I assumed 2045 would be the fund to go with but see you mentioned 2025 which I see you are suggesting based on the allocation and not the fact that you think I will be retiring in 10-15 years.
by atDev
Thu Apr 08, 2010 8:39 pm
Forum: Investing - Theory, News & General
Topic: Core 4 - rebalanced based on age?
Replies: 25
Views: 4563

Or is there a Core 8 ETF portfolio from Rick or anything?
by atDev
Thu Apr 08, 2010 8:37 pm
Forum: Investing - Theory, News & General
Topic: Core 4 - rebalanced based on age?
Replies: 25
Views: 4563

Ok I expanded it a bit... * 50% Vanguard Total Stock Market ETF (VTI) * 30% Vanguard FTSE All-World Ex-U.S. ETF (VEU) * 5% Vanguard REIT ETF (VNQ) * 5% iShares Barclays TIPS Bond (TIP) * 10% Vanguard Total Bond Market ETF (BND) Any suggest expanding it out even more? Perhaps expanding: * 30% Vanguard FTSE All-World Ex-U.S. ETF (VEU) Out into: * 10% Vanguard Emerging Markets ETF (VWO) * 10% Vanguard European Stock (VGK) * 10% Vanguard Pacific Stock (VPL) Making it: * 50% Vanguard Total Stock Market ETF (VTI) * 10% Vanguard Emerging Markets ETF (VWO) * 10% Vanguard European Stock (VGK) * 10% Vanguard Pacific Stock (VPL) * 5% Vanguard REIT ETF (VNQ) * 5% iShares Barclays TIPS Bond (TIP) * 10% Vanguard Total Bond Market ETF (BND) Any opinions?
by atDev
Thu Apr 08, 2010 8:13 pm
Forum: Investing - Theory, News & General
Topic: Core 4 - rebalanced based on age?
Replies: 25
Views: 4563

Ok thanks. I realize there is a lot of "opinion" in the question I asked and I understand it relies a lot on my risk tolerance/situation, etc.

Is there a place on this forum or website to view any other model portfolios? I have checked out MarketRiders but can't justify $100 a year just to notify me when to rebalance. Most of their suggested ETF's can be found in these other model portfolios.
by atDev
Thu Apr 08, 2010 8:08 pm
Forum: Investing - Theory, News & General
Topic: Core 4 - rebalanced based on age?
Replies: 25
Views: 4563

Also if I were to do this, why not just for the 2045 vanguard retirement target fund?
by atDev
Thu Apr 08, 2010 8:07 pm
Forum: Investing - Theory, News & General
Topic: Core 4 - rebalanced based on age?
Replies: 25
Views: 4563

Core 4 - rebalanced based on age?

I was going to go with:
* 36% Vanguard Total Stock Market ETF (VTI)
* 18% Vanguard FTSE All-World Ex-U.S. ETF (VEU)
* 6% Vanguard REIT ETF (VNQ)
* 40% Vanguard Total Bond Market ETF (BND)

However would anyone recommend allocating more towards VTI/stocks if I am 27 years old?

Based on other articles I have read, for a growth allocation the bond allocation is generally lower around 10-20%.