Search found 1052 matches

by AndroAsc
Wed Feb 08, 2017 11:07 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard 401k: Move Post-Tax Money only (not Roth or Pre-Tax)?
Replies: 0
Views: 96

Vanguard 401k: Move Post-Tax Money only (not Roth or Pre-Tax)?

So my Vanguard 401k has the option to have before-tax and post-tax money. For lengthy reasons, I'm super pissed at Vanguard who dropped the ball. Normally, I do a Mega Backdoor Roth and clear out my post-tax account, and then do my purchases, but they screwed up the timing. Not only that, I told the...
by AndroAsc
Tue Jan 24, 2017 4:05 pm
Forum: Investing - Theory, News & General
Topic: Why are Stable Value Funds not outperforming Total Bond over the long run?
Replies: 17
Views: 2542

Re: Why are Stable Value Funds not outperforming Total Bond over the long run?

I think I must have mixed up between something else, because I thought Stable Value funds were slightly tilted to hold equities to boost returns, and they could do so because of their withdrawal restrictions, allowing them to "stay the course" during bad times, and of course because not ev...
by AndroAsc
Tue Jan 24, 2017 2:13 pm
Forum: Investing - Theory, News & General
Topic: Reflection on what to use for "Alternative" asset class and what to do next?
Replies: 17
Views: 1075

Re: Reflection on what to use for "Alternative" asset class and what to do next?

To clarify, by alternative I mean not bonds or stocks. REITs, International, Factor-loading/tilting, are all not alternative asset class. To answer "why alternatives": 1) Primary function is I use them as a hedge against "worst case"/doomsday scenarios like hyperinflation. This i...
by AndroAsc
Tue Jan 24, 2017 2:11 pm
Forum: Investing - Theory, News & General
Topic: Value Averaging, IRR Bias/Misconception: Have we been misled?
Replies: 0
Views: 229

Value Averaging, IRR Bias/Misconception: Have we been misled?

I've been doing Value Averaging since I started doing investments over a decade ago. I like VA for two reasons vs conventional DCA + rebalancing: 1) I can save towards a final "retirement number" which I can control. 2) I like the idea of methodically "buying low and selling high"...
by AndroAsc
Tue Jan 24, 2017 1:03 pm
Forum: Investing - Theory, News & General
Topic: Reflection on what to use for "Alternative" asset class and what to do next?
Replies: 17
Views: 1075

Reflection on what to use for "Alternative" asset class and what to do next?

When I first constructed my portfolio in 2010, there was limited "alternative" asset class. Eventually, I settled for 5% portfolio to commodity funds. Now I am aware that most funds don't perform well because of backwardation, something about how their financial instruments cannot track co...
by AndroAsc
Mon Jan 23, 2017 7:15 pm
Forum: Investing - Theory, News & General
Topic: Why is Slicing/Dicing not Working?
Replies: 37
Views: 3751

Re: Why is Slicing/Dicing not Working?

I don't see the value tilt. Is it Vanguard Dividend Inv Shares? I don't know it well but it doesn't seem like a good way to get at value. Also commodities are only there as insurance and rarely give you great returns. But the simple answer is, the S&P 500 has been doing great and everything els...
by AndroAsc
Mon Jan 23, 2017 7:01 pm
Forum: Investing - Theory, News & General
Topic: Why are Stable Value Funds not outperforming Total Bond over the long run?
Replies: 17
Views: 2542

Why are Stable Value Funds not outperforming Total Bond over the long run?

This has been puzzling me for a while. Whenever I check the rates of stable value fund vs total bond SEC yield, stable value funds are higher. In the last few years, their returns have also been better. But the longer >10 year record shows that total bond still wins out. Why? My understanding is tha...
by AndroAsc
Mon Jan 23, 2017 6:57 pm
Forum: Investing - Theory, News & General
Topic: Why is Slicing/Dicing not Working?
Replies: 37
Views: 3751

Re: Why is Slicing/Dicing not Working?

lack_ey wrote:
AndroAsc wrote:Updated original post with specific fund allocations and more precise settings.

Look at the URL you just posted. Then go back to the filled-out page and copy the URL from the word "Link" to the right of the portfolio analysis results.


Got it, thanks.
by AndroAsc
Mon Jan 23, 2017 6:46 pm
Forum: Investing - Theory, News & General
Topic: Why is Slicing/Dicing not Working?
Replies: 37
Views: 3751

Re: Why is Slicing/Dicing not Working?

Updated original post with specific fund allocations and more precise settings.
by AndroAsc
Mon Jan 23, 2017 6:38 pm
Forum: Investing - Theory, News & General
Topic: Why is Slicing/Dicing not Working?
Replies: 37
Views: 3751

Re: Why is Slicing/Dicing not Working?

Well, I can tweak portfolio 1 by removing International Small-Cap that allows me to backtest to 2006.

Over 10 year period the IRR is 5.76%, 6.02%, 9.46% for portfolio 1, 2 and 3 respectively.

From that result international has been underperforming for a decade!
by AndroAsc
Mon Jan 23, 2017 6:32 pm
Forum: Investing - Theory, News & General
Topic: Why is Slicing/Dicing not Working?
Replies: 37
Views: 3751

Why is Slicing/Dicing not Working?

Started in 2010, and I've stuck to my "sophisticated" portfolio over the years. I recently did a benchmark of my portfolio vs simpler ones, and I'm very disappointed to say it has performed really badly. These are all hypothetical numbers from https://www.portfoliovisualizer.com/backtest-p...
by AndroAsc
Thu Nov 17, 2016 7:50 pm
Forum: Personal Consumer Issues
Topic: Help me figure out the running cost of having winter tires
Replies: 42
Views: 2737

Re: Help me figure out the running cost of having winter tires

Do all season tires need to be stored in a climate controlled room? I'm thinking of putting my tires in the storage cabinet, but that is outside my apartment by the patio... Alternatively I'll just put it at a corner in my living room and use this to wrap it up: https://www.amazon.com/gp/product/B00...
by AndroAsc
Thu Nov 17, 2016 7:41 pm
Forum: Personal Consumer Issues
Topic: Help me figure out the running cost of having winter tires
Replies: 42
Views: 2737

Re: Help me figure out the running cost of having winter tires

If you put a set of tires in your dinning room your apartment will smell terrible. Tires smell like old rubber. And the black rubber will rub off on anything that touches it. So lots of things will get stained. I suggest you need to forget about buying snow tires until you can figure out another st...
by AndroAsc
Thu Nov 17, 2016 1:37 pm
Forum: Personal Consumer Issues
Topic: Help me figure out the running cost of having winter tires
Replies: 42
Views: 2737

Re: Help me figure out the running cost of having winter tires

Alright, I'll get tires soon, cause it's falling below freezing where I live, and I'll do the math and decide to wheel or not latter. Thanks!
by AndroAsc
Thu Nov 17, 2016 1:26 pm
Forum: Personal Consumer Issues
Topic: Help me figure out the running cost of having winter tires
Replies: 42
Views: 2737

Re: Help me figure out the running cost of having winter tires

HueyLD wrote:Can you get by with all season tires for all four seasons?


Too dangerous unless I don't leave town from Nov to Feb. I was trapped last year, and didn't like that.
by AndroAsc
Thu Nov 17, 2016 1:26 pm
Forum: Personal Consumer Issues
Topic: Help me figure out the running cost of having winter tires
Replies: 42
Views: 2737

Re: Help me figure out the running cost of having winter tires

Ok, did some further calcs seems that the breakeven point is about 3 years if buying wheels. Would I need to buy the wheels and winter tires together, or can I just buy the winter tires first, and decide on the wheels next year? There is also the possibility I may not stay in a snow area for the nex...
by AndroAsc
Thu Nov 17, 2016 1:24 pm
Forum: Personal Consumer Issues
Topic: Help me figure out the running cost of having winter tires
Replies: 42
Views: 2737

Re: Help me figure out the running cost of having winter tires

Radjob4me wrote:
AndroAsc wrote:Well I don't have the extra space to get a new set of wheels, live in an apartment.


Wait, so where would you keep your all-season-summer tires that you swap out?


Probably just leave it somewhere in the living room.

The weight is also an issue, I can't carry up a steel wheel up the stairs.
by AndroAsc
Thu Nov 17, 2016 1:20 pm
Forum: Personal Consumer Issues
Topic: Help me figure out the running cost of having winter tires
Replies: 42
Views: 2737

Re: Help me figure out the running cost of having winter tires

Well I don't have the extra space to get a new set of wheels, live in an apartment.
by AndroAsc
Thu Nov 17, 2016 1:00 pm
Forum: Personal Consumer Issues
Topic: Help me figure out the running cost of having winter tires
Replies: 42
Views: 2737

Help me figure out the running cost of having winter tires

I've been researching on getting a good price for winter tires, and I know Costco right now has $130 off, that gives me about $430ish, all in with tax, installation and stuff. Discount Tires will also price match. BUT... Then I read that swapping between winter and all-season tires at Costco is not ...
by AndroAsc
Sun Nov 13, 2016 8:49 am
Forum: Personal Consumer Issues
Topic: Confused about Winter Tire Road Hazard Warranty
Replies: 9
Views: 798

Confused about Winter Tire Road Hazard Warranty

So Costco is having a sale now on Winter Tires, and with Exec membership it comes up to $130 off or just under $400 all inclusive of tax and extra warranties. Costco also offer a 5-year road hazard warranty, but under the ToS it is subject to regular balancing and rotation. The problem with doing ti...
by AndroAsc
Tue Oct 04, 2016 9:47 am
Forum: Personal Consumer Issues
Topic: Recommendations for safe online money transfer (e.g. Paypal) from 3rd party
Replies: 6
Views: 440

Re: Recommendations for safe online money transfer (e.g. Paypal) from 3rd party

Aren't bounced checks like a notorious problem for not accepting checks?
by AndroAsc
Tue Oct 04, 2016 9:09 am
Forum: Personal Consumer Issues
Topic: Recommendations for safe online money transfer (e.g. Paypal) from 3rd party
Replies: 6
Views: 440

Recommendations for safe online money transfer (e.g. Paypal) from 3rd party

I'm conducting some business online, and the merchant does not have the ability to pay by ACH. So far I've been offered the option to get paid through Paypal, Venmo or Dwolla. While this merchant have good references, it's my first transaction, and I am wary about these online money transfer service...
by AndroAsc
Fri Sep 30, 2016 11:11 am
Forum: Investing - Help with Personal Investments
Topic: Why are there fees every month in my Vanguard 401k?
Replies: 13
Views: 1016

Re: Why are there fees every month in my Vanguard 401k?

The administrator is Vanguard, which is why I am letting this slide for a while.

They just list "Fee" as the description. It is very informative.
by AndroAsc
Fri Sep 30, 2016 9:42 am
Forum: Investing - Help with Personal Investments
Topic: Why are there fees every month in my Vanguard 401k?
Replies: 13
Views: 1016

Why are there fees every month in my Vanguard 401k?

Does anyone have a Vanguard 401k? I just realized when I looked at my transaction history, there are multiple fees every month, sometimes more than once per month! For example, right now I have Total Stock Market Fund and Company Stable Value Fund. Every month, I am seeing a fee deduction: "Fee...
by AndroAsc
Thu Sep 22, 2016 9:59 am
Forum: Personal Consumer Issues
Topic: Advice on Getting Deals for Tires
Replies: 10
Views: 1120

Advice on Getting Deals for Tires

I'm shopping for tires, and soliciting advice on where to get good deals, what warranty options I should get, or not get, and here's what I found based on my research: - Tirerack.com and discounttiredirect.com offer usually the best prices, but their prices don't reflect installation and labor. It c...
by AndroAsc
Tue Aug 16, 2016 4:43 pm
Forum: Personal Consumer Issues
Topic: Long wait on Vanguard Phone Lines-What's going on?
Replies: 56
Views: 6837

Re: Long wait on Vanguard Phone Lines-What's going on?

Yeah, I called last week and it took AN HOUR for them to resolve my request. Did I miss the memo? Market is not crashing, where are all the calls coming from?
by AndroAsc
Thu Aug 11, 2016 5:06 pm
Forum: Local Chapters and Bogleheads Community
Topic: Is there anyone in Eastern Washington?
Replies: 0
Views: 862

Is there anyone in Eastern Washington?

Was wondering if there any Bogleheads in Eastern Washington... Would be nice to have a gathering of like-minded folks.
by AndroAsc
Fri Apr 15, 2016 11:50 am
Forum: Investing - Theory, News & General
Topic: How strong is your belief in AQR?
Replies: 47
Views: 6769

Re: How strong is your belief in AQR Kool-Aid?

Larry Swedroe, who thinks highly of this fund, I think said that he himself had only put 3% of his portfolio into it. Although he might had said later that he had increased it. With 3% does it even make a difference in the entire portfolio? I was under the impression that you need at least 5-10% in...
by AndroAsc
Fri Apr 15, 2016 11:44 am
Forum: Investing - Theory, News & General
Topic: How strong is your belief in AQR?
Replies: 47
Views: 6769

Re: How strong is your belief in AQR Kool-Aid?

A lot of people tilt to factors, sometimes heavily, via long-only funds from Vanguard and other non-AQR/DFA providers. Some avoid the "specialty" funds because of costs, risks, or other concerns, rather than qualms about the underlying motivations. Could you clarify what you really mean t...
by AndroAsc
Thu Apr 14, 2016 7:41 pm
Forum: Investing - Theory, News & General
Topic: How strong is your belief in AQR?
Replies: 47
Views: 6769

How strong is your belief in AQR?

First, I'm upset the poll option is gone. So I guess we're down to counting posts. I'm sure a good number of you are aware of AQR and their smart beta passive funds. I'll lump AQR with similar companies like DFA. In comparing AQR/DFA to Vanguard, how strong is your belief? Let's assume access to AQR...
by AndroAsc
Thu Apr 07, 2016 11:57 am
Forum: Investing - Help with Personal Investments
Topic: Is TLH too much work for you?
Replies: 32
Views: 3339

Re: Is TLH too much work for you?

I get a chuckle out of threads that talk about slice and dice portfolios being too complex or TLH being too much work. In this day and age of computer access to your entire portfolio the amount of work involved to perform these two examples of portfolio management amounts to less work than to make ...
by AndroAsc
Thu Apr 07, 2016 11:56 am
Forum: Investing - Help with Personal Investments
Topic: Is TLH too much work for you?
Replies: 32
Views: 3339

Re: Is TLH too much work for you?

It is a hobby, but I also like to keep things streamlined, and I also don't follow that much on the market movement and prices. It's the wash sale that doubles my work, because I have to look at my stuff 2X each quarter and be mindful of the 30 days. Was wondering if anyone has streamlined their TLH...
by AndroAsc
Thu Apr 07, 2016 11:40 am
Forum: Investing - Help with Personal Investments
Topic: Difference between Vanguard FTSE International vs Total International
Replies: 9
Views: 931

Difference between Vanguard FTSE International vs Total International

I can't tell the difference between the two. FTSE International used to not have Canada and used to be large cap only, but now the fund looks like it has both. The only difference is that FTSE International has 2000+ stocks, but Total International has 5000+ stocks. Am I missing anything?
by AndroAsc
Thu Apr 07, 2016 11:39 am
Forum: Investing - Help with Personal Investments
Topic: Is TLH too much work for you?
Replies: 32
Views: 3339

Is TLH too much work for you?

So I recently got into TLH, and it's a bit too much work for my taste. I have a feeling I am not streamlining it well. In the past, my investment maintenance is like this: 1) Login every quarter. Move money from money market / stable value fund to mutual fund and rebalance. DONE. Now, I need to do t...
by AndroAsc
Wed Mar 23, 2016 9:17 am
Forum: Local Chapters and Bogleheads Community
Topic: Seattle Area Chapter Meetings - Master Thread
Replies: 37
Views: 6667

Re: Seattle Area Chapter Meetings - Master Thread

Any updates on when the meeting will take place?
by AndroAsc
Sun Feb 07, 2016 10:15 am
Forum: Personal Finance (Not Investing)
Topic: How do you hire a lawyer to be "on retainer"?
Replies: 24
Views: 2939

Re: How do you hire a lawyer to be "on retainer"?

It sounds like you're doing Manufactured Spending Extreme Edition. Sure....you can expect to have some SARs filled out on you. Are you concerned that something like this would happen? http://www.travelcodex.com/2016/02/i-was-detained-for-manufactured-spending/?utm_source=feedburner&utm_medium=f...
by AndroAsc
Sun Feb 07, 2016 10:13 am
Forum: Personal Finance (Not Investing)
Topic: How do you hire a lawyer to be "on retainer"?
Replies: 24
Views: 2939

Re: How do you hire a lawyer to be "on retainer"?

Ok, thanks guys. So it looks like I'll just need to brief a lawyer on the situation, pay the hourly rate, and then get their name card and put it in my wallet. I've been updating my knowledge on how lawyers are paid and another interesting option is the retainer fee (not "on retainer"). It...
by AndroAsc
Fri Feb 05, 2016 6:36 pm
Forum: Personal Finance (Not Investing)
Topic: How do you hire a lawyer to be "on retainer"?
Replies: 24
Views: 2939

How do you hire a lawyer to be "on retainer"?

I start out pleading total ignorance about how contracts with lawyers are made, so I'm hoping that the more legally experienced here can help me with this. What I need is to have a lawyer "on retainer", but it's not really a retainer as I don't need the lawyer to do constant work. I just n...
by AndroAsc
Wed Jan 13, 2016 4:20 pm
Forum: Investing - Help with Personal Investments
Topic: Help with Newbie's asset allocation (Singapore)
Replies: 19
Views: 1598

Re: Help with Newbie's asset allocation (Singapore)

Would you be able to name a London-domiciled exchange as an example? There are quite a few Reits in the local market but none are ETF. I personally have no more unit trusts as have liquidated all my "bad" investments. It is my partner who is heavily invested in them with his long time fin...
by AndroAsc
Tue Jan 12, 2016 3:08 pm
Forum: Investing - Help with Personal Investments
Topic: Help with Newbie's asset allocation (Singapore)
Replies: 19
Views: 1598

Re: Help with Newbie's asset allocation (Singapore)

More specific advice to your questions. NO REITS. US taxation for non-resident alien are very bad @30%, so REITS go out of the window... you know that REITs have significant dividend payout right? They are almost bond like in terms of tax efficiency. STI ETF is good, that's the only thing worth buyi...
by AndroAsc
Tue Jan 12, 2016 3:02 pm
Forum: Investing - Help with Personal Investments
Topic: Help with Newbie's asset allocation (Singapore)
Replies: 19
Views: 1598

Re: Help with Newbie's asset allocation (Singapore)

I used to live there. I'll throw you some advice from many years of research. You cannot get access to US mutual funds period. You need to reside (physically live) in the US to get access to it. Even US citizens living abroad had their mutual funds shut down, although it does seem dependent on which...
by AndroAsc
Tue Jan 12, 2016 12:08 pm
Forum: Investing - Help with Personal Investments
Topic: TLH: Does it matter if it is sold as short-term or long-term losses?
Replies: 21
Views: 1987

Re: TLH: Does it matter if it is sold as short-term or long-term losses?

For Capital Gains Distribution: ST losses are reported as interest and taxed as ordinary income. ST losses cannot be offset by ST/LT losses. LT losses are treated the same way as in capital gains. I assume this is a typo for: For Capital Gains Distribution: ST gains are reported as interest and tax...
by AndroAsc
Tue Jan 12, 2016 12:08 pm
Forum: Investing - Help with Personal Investments
Topic: TLH: Does it matter if it is sold as short-term or long-term losses?
Replies: 21
Views: 1987

Re: TLH: Does it matter if it is sold as short-term or long-term losses?

From this, can I generalize that ST losses are generally more "desirable"/"valuable" than LT losses? If yes, do you make it a point to monitor your fund in the first year to harvest short-term losses? Answers: Yes. Absolutely. I mention this all the time. There is also one more ...
by AndroAsc
Tue Jan 12, 2016 12:36 am
Forum: Investing - Help with Personal Investments
Topic: TLH: Does it matter if it is sold as short-term or long-term losses?
Replies: 21
Views: 1987

Re: TLH: Does it matter if it is sold as short-term or long-term losses?

1. Capital gains can be realized by you when you sell shares, but they can also be passed on to you when the fund itself has to sell shares internally. The latter are called capital gain distributions . If all you hold in taxable are Vanguard stock index funds, you might never see a capital gain di...
by AndroAsc
Tue Jan 12, 2016 12:32 am
Forum: Investing - Help with Personal Investments
Topic: TLH: Does it matter if it is sold as short-term or long-term losses?
Replies: 21
Views: 1987

Re: TLH: Does it matter if it is sold as short-term or long-term losses?

Suppose I have $10K in carryover LT losses. Now I book $10K in LT gains and $5K in ST gains. What are my taxes? Suppose I have $10K in ST carryover losses. Now I book $10K in LT gains and $5K in ST gains. What are my taxes? First scenario is paying taxes on $5k ST gains, since $10k LT losses cancel...
by AndroAsc
Mon Jan 11, 2016 9:42 pm
Forum: Investing - Help with Personal Investments
Topic: TLH: Does it matter if it is sold as short-term or long-term losses?
Replies: 21
Views: 1987

Re: TLH: Does it matter if it is sold as short-term or long-term losses?

Long term gains are taxed at 15%. Short term gains are taxed at your tax bracket when over 15%!tax bracket. I understand the different tax treatment for LT vs ST gains, but also wondering about any differences between LT vs ST losses. It seems that (according to Fool.com, Kiplinger and Turbotax - a...
by AndroAsc
Mon Jan 11, 2016 9:35 pm
Forum: Investing - Help with Personal Investments
Topic: TLH: Does it matter if it is sold as short-term or long-term losses?
Replies: 21
Views: 1987

Re: TLH: Does it matter if it is sold as short-term or long-term losses?

It seems that every source have a different answer: http://www.fool.com/personal-finance/taxes/reconcile-capital-gains-and-losses.aspx Fool.com pretty much says it doesn't matter whether it is short-term or long-term losses, as either can be used to offset either long or short-term gains, and either...
by AndroAsc
Mon Jan 11, 2016 9:29 pm
Forum: Investing - Help with Personal Investments
Topic: TLH: Does it matter if it is sold as short-term or long-term losses?
Replies: 21
Views: 1987

Re: TLH: Does it matter if it is sold as short-term or long-term losses?

Ok, this is confusing https://turbotax.intuit.com/tax-tools/tax-tips/Investments-and-Taxes/Capital-Gains-and-Losses/INF12052.html Losses on your investments are first used to offset capital gains of the same type. So short-term losses are first deducted against short-term gains, and long-term losses...
by AndroAsc
Mon Jan 11, 2016 9:23 pm
Forum: Investing - Help with Personal Investments
Topic: TLH: Does it matter if it is sold as short-term or long-term losses?
Replies: 21
Views: 1987

Re: TLH: Does it matter if it is sold as short-term or long-term losses?

I was looking at the wiki: https://www.bogleheads.org/wiki/Capital_gains_distribution Short-term capital gains distributions are made from realized gains on securities held for one year or less. Short-term gains are taxed at ordinary income tax rates Short-term gain distributions are included in a f...

Go to advanced search