Search found 572 matches

by 2beachcombers
Sat Jan 28, 2017 10:51 am
Forum: Investing - Theory, News & General
Topic: Asset Allocation - considering a change
Replies: 18
Views: 1557

Re: Asset Allocation - considering a change

Kitces has an interesting article on asset allocation and seperates risk tolerance :confused with risk ability(capacity) :D . This may help you with a more accurate view of your risk decision as your risk ability is in very good shape. We are similar to the OP wrt income but maintain a 70% equity al...
by 2beachcombers
Sun Jan 22, 2017 1:16 pm
Forum: Investing - Theory, News & General
Topic: 2016 Relative Tax Efficiency
Replies: 34
Views: 3737

Re: 2016 Relative Tax Efficiency

As for foreign dividends -- this is the same calculation as I did last year so everyone missed it? Yep, you're right! I cannot believe I missed that all this time. All fixed; thanks again! Of course, it makes only a very small difference.[/quote] I could not see your changes wrt US tax paid on fore...
by 2beachcombers
Sat Jan 21, 2017 5:29 pm
Forum: Investing - Theory, News & General
Topic: Formula for dividend tax drag?
Replies: 51
Views: 4547

Re: Formula for dividend tax drag?

People think mine is the original because I was the first to publish a public link to the calculations; but it should have been obvious that I didn't write the sheet in the 11 minutes it took to respond to a post. All credit goes to livesoft. Oh, and the 2016 sheet is coming out today. Foreign equi...
by 2beachcombers
Sat Jan 21, 2017 12:18 pm
Forum: Investing - Theory, News & General
Topic: Formula for dividend tax drag?
Replies: 51
Views: 4547

Re: Formula for dividend tax drag?

I just did the tax cost ratio for 2014 for some of my ETFs and funds. They are just estimates because of a couple of current unknowns: 1. The fraction of the dividend that is qualified versus non-qualified. That changes the tax rates applied by almost 100%. 2. The foreign tax rate on the dividends ...
by 2beachcombers
Mon Jan 16, 2017 3:03 pm
Forum: Investing - Theory, News & General
Topic: 100% equities in Roth part of portfolio?
Replies: 19
Views: 2229

Re: 100% equities in Roth part of portfolio?

My Roth (Vanguard) is 100% equities My 403b (TIAA) contains equities and TIAA Traditional for fixed income My taxable account (Vanguard) is 100% equities AA for entire portfolio is 70% equities, 30% fixed income +1--70% equities/Berstein Ida AA--retired since 2000 oldzey----I have similar AA and pl...
by 2beachcombers
Mon Jan 09, 2017 2:04 pm
Forum: Investing - Theory, News & General
Topic: Fidelity International Index Funds
Replies: 9
Views: 1010

Re: Fidelity International Index Funds

In the future you will want to Tax Loss Harvest your funds. International, Emerging and Int small cap do not always move together. I have IEMG, IEFA, VSS and I TLH these with FPMAX, FSIVX and SCZ. All are in my taxable account to get the Foreign Tax credit. I also manage my MAGI( due to Medicare par...
by 2beachcombers
Wed Dec 21, 2016 5:48 pm
Forum: Investing - Theory, News & General
Topic: Roth Conversion/Reconversion Strategy
Replies: 21
Views: 1130

Re: Roth Conversion/Reconversion Strategy

livesoft--I think I understand. Well I understand physics, thermo, quantum mechanics--but the IRS is a challenge :confused .. I think you pay all the taxes in 2016 on both horses. In 2017 you convert for horse C, and in october chose one or the other or both or none. In the case where you rechar ho...
by 2beachcombers
Wed Dec 21, 2016 4:42 pm
Forum: Investing - Theory, News & General
Topic: Roth Conversion/Reconversion Strategy
Replies: 21
Views: 1130

Re: Roth Conversion/Reconversion Strategy

Very interesting and too clever by far; livesoft, do you ask for an extension for 2016 Fed Tax or for horse B. in Apr. pay total fed tax including horse B ? Have not recharacterized in years and my blury memory says YES--you can rechar up to OCT the following year? But--don't you still have to pay ...
by 2beachcombers
Wed Dec 21, 2016 10:37 am
Forum: Investing - Theory, News & General
Topic: Roth Conversion/Reconversion Strategy
Replies: 21
Views: 1130

Re: Roth Conversion/Reconversion Strategy

Since you are going to continue to race horses, you can do the following: Another single conversion in 2017 of $90K, call it horse C. Certainly horse B has a 27% headstart. :) File for an extension in April and pay the required taxes. In October before you file your tax return, recharacterize one o...
by 2beachcombers
Wed Dec 21, 2016 8:29 am
Forum: Investing - Theory, News & General
Topic: Roth Conversion/Reconversion Strategy
Replies: 21
Views: 1130

Re: Roth Conversion/Reconversion Strategy

Without more information about why it might be good to convert at 28%….I think converting anything at 28% may be a poor decision and converting more 33% is an even poorer decision. I would think that it is a very rare circumstance where converting at 33% is smart. It sounds like you feel like you w...
by 2beachcombers
Tue Dec 20, 2016 3:57 pm
Forum: Investing - Theory, News & General
Topic: a review of two of Jim Lange's books on retirement planning-both worth your time
Replies: 2
Views: 619

Re: a review of two of Jim Lange's books on retirement planning-both worth your time

Larry, thanks, just purchased the book.

Purchaced Ed Slott's Time Bomb in 2004.-put me on the right track for retirement and estate planning :moneybag -time for an update

jerry
by 2beachcombers
Tue Dec 20, 2016 3:36 pm
Forum: Investing - Theory, News & General
Topic: Is VBR a no-brainer over IJS?
Replies: 41
Views: 6416

Re:

I prefer IJS in a taxable account, since it's so much more tax efficient. It's total return that counts - VBR paid a big dividend in Dec, but the price dropped vs IJS. Nick i'm in a 25% bracket, no state tax. VBR is slightly more efficient in my Taxable account. I own both and TLC both. I also own ...
by 2beachcombers
Tue Dec 20, 2016 3:29 pm
Forum: Investing - Theory, News & General
Topic: Roth Conversion/Reconversion Strategy
Replies: 21
Views: 1130

Re: Roth Conversion/Reconversion Strategy

good bind to be in;

the 43% is a go

figure the tax on your 27% portion. If less than what you will be paying in the future on you MRD(if left in IRA). Then also convert it.

You can also convert a fraction of the 27%

jerry :idea:
by 2beachcombers
Sat Dec 17, 2016 11:17 am
Forum: Personal Finance (Not Investing)
Topic: Fidelity free Turbotax
Replies: 132
Views: 18185

Re: Fidelity free Turbotax

I purchase TT desktop every year, send receipt to Fido and they refund--simple

jerry
by 2beachcombers
Sat Dec 17, 2016 11:02 am
Forum: Personal Finance (Not Investing)
Topic: 4runner vs. Highlander?
Replies: 37
Views: 3220

Re: 4runner vs. Highlander?

On my 2nd highlander. Gave first to my son--has 100k miles on it.Had a stuck CD in it and did not want to deal with it. Son bypassed it. Bought the second limited new for 38k$ cash.
jerry
by 2beachcombers
Thu Dec 15, 2016 4:37 pm
Forum: Investing - Theory, News & General
Topic: Fidelity Announces Short-Term Trading Fee Removal
Replies: 26
Views: 3914

Re: Fidelity Announces Short-Term Trading Fee Removal

Good, but until the Cap Gains liability is gone, I will stick to ETFs in taxable account :mrgreen:

jerry
by 2beachcombers
Sun Nov 20, 2016 8:21 am
Forum: Investing - Theory, News & General
Topic: roth allocation [very long time frame]
Replies: 7
Views: 817

Re: roth allocation [very long time frame]

We are 100% US equities in Roths and have been for 10 yrs(same plan as yours for our kids).--VBR, FSSVX, FLCHX,FSTVX 60% Foreign EtFs in Brokerage and 40% US equities Bonds, REIT in IRA :sharebeer AA 70% equities overall, Bernstein IDA adjusted to 70% AA=56% if pension considered AA= 42% if SS consi...
by 2beachcombers
Sat Nov 12, 2016 11:06 am
Forum: Personal Finance (Not Investing)
Topic: Asset Allocation for 35/yo's
Replies: 1
Views: 362

Re: Asset Allocation for 30/yo's

I was 100% equities for 40 years ; 80% for 10 yrs and now 70% in retirement.

Would recommend 80% if you can't just let it ride.

jerry
by 2beachcombers
Tue Oct 25, 2016 3:12 am
Forum: Personal Finance (Not Investing)
Topic: [TurboTax 2016--Schd D not included in online version (desktop only)]
Replies: 24
Views: 1873

Re: TurboTax 2016--Schd D repeat

I just hung up on TurboTax after verifying they did it again.--Schd D is not in Delux-----AGAIN!!!!. :shock: I can't believe they did it again--I will look elsewhere after being a TT customer for 18 yrs :oops: We need an Icon for someone shooting themselves in the head. I guess they are in a downsi...
by 2beachcombers
Tue Oct 25, 2016 3:10 am
Forum: Personal Finance (Not Investing)
Topic: [TurboTax 2016--Schd D not included in online version (desktop only)]
Replies: 24
Views: 1873

Re: TurboTax 2016--Schd D repeat

After probably 20 years with TurboTax I used TaxAct last year. Removing the schedule was not an oversight on the part of Intuit. It was a sneaky way to increase prices. UNBELIEVEABLE--TALKED TO THE SAME CSR--AND IN FACT 2016 WILL BE THE SAME AS 2015 FOR THE DESKTOP VERSION. HE HAD NO IDEA ! Correct...
by 2beachcombers
Mon Oct 24, 2016 9:25 pm
Forum: Personal Finance (Not Investing)
Topic: [TurboTax 2016--Schd D not included in online version (desktop only)]
Replies: 24
Views: 1873

Re: TurboTax 2016--Schd D repeat

One option for dealing with anger and frustration over this is to simply pony up for Premier, but then share it among several friends. When I feel a company treats me fairly, I have no desire to rip them off (e.g. netflix); when they don't, I have no compunctions about doing so. i thought about tha...
by 2beachcombers
Mon Oct 24, 2016 9:21 pm
Forum: Personal Finance (Not Investing)
Topic: [TurboTax 2016--Schd D not included in online version (desktop only)]
Replies: 24
Views: 1873

Re: TurboTax 2016--Schd D repeat

Is TurboTax 2016 even available? The posts I saw it always comes out around Nov.10-15 TT availalable on Nov 24, I am in a special situation where I need to understand my total tax obligation for 2016 (traveling Nov 10-22 and Dec 1- Dec 22 and must determined how much to declare as tax on my MRD wit...
by 2beachcombers
Mon Oct 24, 2016 9:17 pm
Forum: Personal Finance (Not Investing)
Topic: [TurboTax 2016--Schd D not included in online version (desktop only)]
Replies: 24
Views: 1873

Re: TurboTax 2016--Schd D repeat

Used TurboTax forever, but then dropped them when their marketing priced Deluxe higher and eliminated schedule D. Didn't matter that they then offered to upgrade to Premier for no extra charge, since they had tried pulling a similar bait-and-switch in the past. Now that I've used H&R for the la...
by 2beachcombers
Mon Oct 24, 2016 9:16 pm
Forum: Personal Finance (Not Investing)
Topic: [TurboTax 2016--Schd D not included in online version (desktop only)]
Replies: 24
Views: 1873

Re: TurboTax 2016--Schd D repeat

2015 I downloaded TurboTax deluxe. It had Schedule D, and did imports from Vanguard and Morgan Stanley. I just now brought it up, and verified, it is indeed deluxe. They do talk about "additional help" with premier, but I needed no additional help. Will probably go with TT deluxe again if...
by 2beachcombers
Mon Oct 24, 2016 5:26 pm
Forum: Personal Finance (Not Investing)
Topic: [TurboTax 2016--Schd D not included in online version (desktop only)]
Replies: 24
Views: 1873

Re: TurboTax 2016--Schd D repeat

furwut wrote:After probably 20 years with TurboTax I used TaxAct last year. Removing the schedule was not an oversight on the part of Intuit. It was a sneaky way to increase prices.



UNBELIEVEABLE--TALKED TO THE SAME CSR--AND IN FACT 2016 WILL BE THE SAME AS 2015 FOR THE DESKTOP VERSION. HE HAD NO IDEA !
by 2beachcombers
Mon Oct 24, 2016 4:42 pm
Forum: Personal Finance (Not Investing)
Topic: [TurboTax 2016--Schd D not included in online version (desktop only)]
Replies: 24
Views: 1873

Re: TurboTax 2016--Schd D repeat

A lot of people have given TaxAct favorable reviews and it is significantly less expensive than TurboTax. I need to create 1041s for some trusts where I'm the trustee, and the TaxAct program that handles estates and trusts is also much cheaper than the TurboTax Business program. TaxAct says that it...
by 2beachcombers
Mon Oct 24, 2016 4:23 pm
Forum: Personal Finance (Not Investing)
Topic: [TurboTax 2016--Schd D not included in online version (desktop only)]
Replies: 24
Views: 1873

Re: TurboTax 2016--Schd D repeat

cadreamer2015 wrote:After more than 20 years with TurboTax I'm trying TaxAct this year. I've already preordered the download, thanks to a link on this board.


Why did you choose taxact? And does it have the forms switch to inputs?
by 2beachcombers
Mon Oct 24, 2016 4:16 pm
Forum: Personal Finance (Not Investing)
Topic: [TurboTax 2016--Schd D not included in online version (desktop only)]
Replies: 24
Views: 1873

Re: TurboTax 2016--Schd D repeat

After more than 20 years with TurboTax I'm trying TaxAct this year. I've already preordered the download, thanks to a link on this board. If you have a lot of transactions, accounts that accrued interest, etc it really helps to have a program that can automatically pull 1099s and other documents fr...
by 2beachcombers
Mon Oct 24, 2016 3:23 pm
Forum: Personal Finance (Not Investing)
Topic: [TurboTax 2016--Schd D not included in online version (desktop only)]
Replies: 24
Views: 1873

[TurboTax 2016--Schd D not included in online version (desktop only)]

I just hung up on TurboTax after verifying they did it again.--Schd D is not in Delux-----AGAIN!!!!. :shock: I can't believe they did it again--I will look elsewhere after being a TT customer for 18 yrs :oops: We need an Icon for someone shooting themselves in the head. I guess they are in a downsiz...
by 2beachcombers
Fri Sep 02, 2016 8:39 am
Forum: Investing - Theory, News & General
Topic: Ric Edelman's The Truth about Retirement on PBS
Replies: 142
Views: 13693

Re: Ric Edelman's The Truth about Retirement on PBS

NO CAR PAYMENT--26 YRS
NO MORGAGE--17 YRS
NO ADIVSOR----12 YRS
SIMPLE PORTFOLIO :idea:
by 2beachcombers
Sun Aug 28, 2016 7:55 am
Forum: Investing - Theory, News & General
Topic: Retirees Saying No To The Market
Replies: 57
Views: 7952

Re: Retirees Saying No To The Market

I tried for years to get my mother in law to invest in the market. When she went to a nursing home in 2006, she had about 15 laddered CDs. Then 2008, and I was very happy she didn't listen to me :oops:

jerry
by 2beachcombers
Fri Aug 26, 2016 3:02 pm
Forum: Investing - Theory, News & General
Topic: Vanguard Recommends Stocks in Taxable; Bonds in Tax-advantage accounts
Replies: 29
Views: 4047

Re: Vanguard Recommends Stocks in Taxable; Bonds in Tax-advantage accounts

Patrick: One thing nearly all mathematicians ignore when figuring safe withdrawal rates is that cap-gains in taxable accounts are tax-free at death. This is another reason why stocks are usually better suited for taxable accounts. My living expenses (after pension, social security and 2 SPIA annuit...
by 2beachcombers
Wed Aug 24, 2016 12:47 pm
Forum: Investing - Help with Personal Investments
Topic: Help with my Mother's investments
Replies: 9
Views: 814

Re: Help with my Mother's investments

It might wise to check out a SPIA annuity with only $196500 in funds. 120k will get her about $700 a month. That still leave her with $76k to invest in a very conservative low cost fund or just put it in CDs. Most likely her disability is cola so only 30% of her income is exposed to inflation. She ...
by 2beachcombers
Tue Aug 23, 2016 7:29 am
Forum: Investing - Theory, News & General
Topic: High RMD’s, would you do anything different?
Replies: 54
Views: 5787

Re: High RMD’s, would you do anything different?

...The result of my evaluation was to liquidate all munis in my taxable account and go to 100% bonds in the IRA... I toyed with that idea, but didn't like the idea of moving my tax-free income to where it eventually would be taxed as ordinary income, or replacing my munis with other types of bonds....
by 2beachcombers
Mon Aug 22, 2016 2:34 pm
Forum: Investing - Help with Personal Investments
Topic: Tilter's
Replies: 18
Views: 1374

Re: Tilter's

Jerry, Thanks for doing running the numbers. I remember it was worse for me with state tax of CA when I did the same analysis few months ago. Distributions--------------------------- 264---- 250------ 239----- 266---- 206---- 259 How is this line calculated? Distributions for 1K of money? From tric...
by 2beachcombers
Mon Aug 22, 2016 9:08 am
Forum: Investing - Theory, News & General
Topic: High RMD’s, would you do anything different?
Replies: 54
Views: 5787

Re: High RMD’s, would you do anything different?

One way to reduce MRDs: My situation is need to reduce MRD to stay in Tax bracket, don't need the income and the taxable account will only take dividends out, with no withdrawals as the taxable account will pass to my heirs or charity. I have a work in progress to evaluate (over the life of an IRA)(...
by 2beachcombers
Sun Aug 21, 2016 4:08 pm
Forum: Investing - Theory, News & General
Topic: Relative tax efficiency including Foreign Tax Credit (VSS, VWO, VBR, etc.)
Replies: 83
Views: 7939

Re: Relative tax efficiency including Foreign Tax Credit (VSS, VWO, VBR, etc.)

triceratop--good find--had a copy error in my spreadsheet. Rechecking the entire sheet. :beer

calc now is 0.144* 222= 37.81 and total cost =0.686. Also edited my post.
by 2beachcombers
Sun Aug 21, 2016 8:32 am
Forum: Investing - Theory, News & General
Topic: Relative tax efficiency including Foreign Tax Credit (VSS, VWO, VBR, etc.)
Replies: 83
Views: 7939

Re: Relative tax efficiency including Foreign Tax Credit (VSS, VWO, VBR, etc.)

Personal Tax Information Federal Marginal Tax Rate-- 0.25 QDI Tax Rate----------------- 0.15 Ga State ------------------------- 0 VEA --IEFA--- FSIVX--- ITOT- FSTVX---- EFV 0.09-- 0.12-- 0.08 --- 0.03--- 0.045---- 0.4-------er 1.07-- 1.55-- 1.02--- 1.87---- 1.154--- 1.82-----Div 0.00-- 0.00-- 0.00-...
by 2beachcombers
Sun Aug 21, 2016 8:09 am
Forum: Investing - Theory, News & General
Topic: Bonds in Taxable
Replies: 156
Views: 11515

Re: Bonds in Taxable

gilgamesh wrote: " Incidentally, I think Kitces uses sloppy terminology, using "brokerage account" as a synonym for tax-free account, and sometimes using "IRA" as a synonym for traditional IRA. I have traditional IRA brokerage accounts, and I have Roth IRAs." Brokerage ...
by 2beachcombers
Sun Aug 21, 2016 7:45 am
Forum: Investing - Theory, News & General
Topic: High RMD’s, would you do anything different?
Replies: 54
Views: 5787

Re: High RMD’s, would you do anything different?

...Postponing the age you start taking social security can also backfire if it bumps you into higher tax/surcharge brackets... It sounds like you are letting the tail (taxes) wag the dog (available retirement income). I certainly wouldn't discount the increase in SS benefits for you (and potentiall...
by 2beachcombers
Sat Aug 20, 2016 10:43 am
Forum: Investing - Help with Personal Investments
Topic: Tilter's
Replies: 18
Views: 1374

Re: Tilter's

:oops: David, thanks--this left handed dyslectic apologizes for you have to fix my mistakes, but thankful that you do. :beer will fix my original reply and also one in triceratops cost analysis thread. edit for mistake--and i will go back and check inputs the 3rd time. An important mathematical tec...
by 2beachcombers
Sat Aug 20, 2016 9:23 am
Forum: Investing - Theory, News & General
Topic: High RMD’s, would you do anything different?
Replies: 54
Views: 5787

Re: High RMD’s, would you do anything different?

An additional factor to consider is higher Medicare premiums as your income exceeds certain thresholds. Since those thresholds are not adjusted for inflation, every year more taxpayers will pay higher premiums. +1 And the 170k income threshold does not get increased by inflation(and 2020 will be mo...
by 2beachcombers
Sat Aug 20, 2016 9:18 am
Forum: Investing - Theory, News & General
Topic: Relative tax efficiency including Foreign Tax Credit (VSS, VWO, VBR, etc.)
Replies: 83
Views: 7939

Re: Relative tax efficiency including Foreign Tax Credit (VSS, VWO, VBR, etc.)

Personal Tax Information Federal Marginal Tax Rate-- 0.25 QDI Tax Rate----------------- 0.15 Ga State ------------------------- 0 VEA --IEFA--- FSIVX--- ITOT- FSTVX---- EFV 0.09-- 0.12-- 0.08 --- 0.03--- 0.045---- 0.4-------er 1.07-- 1.55-- 1.02--- 1.87---- 1.154--- 1.82-----Div 0.00-- 0.00-- 0.00-...
by 2beachcombers
Sat Aug 20, 2016 9:11 am
Forum: Investing - Help with Personal Investments
Topic: Tilter's
Replies: 18
Views: 1374

Re: Tilter's

The following is a sample of my cost analysis using ticeratop's method(25% tax bracket 0 state tax) Ticker---------------------------------- VXUS--- IEMG --- FPMAX--- VWO--- scz--- VSS Expense Ratio-------------------------- 0.13--- 0.16 --- 0.14----- 0.15--- 0.4--- 0.17 Dividend Distribution/share...
by 2beachcombers
Sat Aug 20, 2016 9:09 am
Forum: Investing - Help with Personal Investments
Topic: Tilter's
Replies: 18
Views: 1374

Re: Tilter's

Jerry, Whats missing is the QDI ratio. For vxus(international) that is close to 75%+. Emerging markets it is around 50%. IEMG dividend yield seems very low compared to VWO though here are the QDIs for2015: -----------------------------VXUS--- IEMG--- FPMAX--- VWO--- scz--- VSS----- VTI--- VBR--- IJ...
by 2beachcombers
Sat Aug 20, 2016 9:08 am
Forum: Investing - Help with Personal Investments
Topic: Tilter's
Replies: 18
Views: 1374

Re: Tilter's

Your Roth IRA should hold the least tax-efficient positions in your portfolio. It's fine to split a holding between the IRA and taxable if you run out of room. I would suggest keeping VWO (Emerging Markets) entirely in the IRA if you have room. It has a fairly high dividend yield, and fewer qualifi...
by 2beachcombers
Sat Aug 20, 2016 9:05 am
Forum: Investing - Help with Personal Investments
Topic: Tilter's
Replies: 18
Views: 1374

Re: Tilter's

The following is a sample of my cost analysis using ticeratop's method(25% tax bracket 0 state tax) Ticker---------------------------------- VXUS--- IEMG --- FPMAX--- VWO--- scz--- VSS Expense Ratio-------------------------- 0.13--- 0.16 --- 0.14----- 0.15--- 0.4--- 0.17 Dividend Distribution/share...
by 2beachcombers
Sat Aug 20, 2016 8:49 am
Forum: Investing - Theory, News & General
Topic: High RMD’s, would you do anything different?
Replies: 54
Views: 5787

Re: High RMD’s, would you do anything different?

OP here. Although I have $1.2M now in tax-deferred at 52, I am hoping that at age 70 even if I put nothing in, it will grow to $2.5M at least. But still, based on the responses, it does not appear to be an issue with high taxes due to RMD's. I will continue to contribute to our tax-deferred account...
by 2beachcombers
Sat Aug 20, 2016 8:05 am
Forum: Investing - Help with Personal Investments
Topic: Tilter's
Replies: 18
Views: 1374

Re: Tilter's

Your Roth IRA should hold the least tax-efficient positions in your portfolio. It's fine to split a holding between the IRA and taxable if you run out of room. I would suggest keeping VWO (Emerging Markets) entirely in the IRA if you have room. It has a fairly high dividend yield, and fewer qualifi...
by 2beachcombers
Sat Aug 20, 2016 7:56 am
Forum: Investing - Help with Personal Investments
Topic: Tilter's
Replies: 18
Views: 1374

Re: Tilter's

Jerry, Whats missing is the QDI ratio. For vxus(international) that is close to 75%+. Emerging markets it is around 50%. IEMG dividend yield seems very low compared to VWO though here are the QDIs for2015: -----------------------------VXUS--- IEMG--- FPMAX--- VWO--- scz--- VSS----- VTI--- VBR--- IJ...

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