Search found 281 matches

by BogleAlltheWay
Thu Jul 20, 2017 6:16 pm
Forum: Investing - Theory, News & General
Topic: new Bogle written interview on marketwatch.com today 7/20/17
Replies: 17
Views: 1651

Re: new Bogle written interview on marketwatch.com today 7/20/17

In this interview today on marketwatch.com by Paul Merriman he writes that Mr. Bogle advocates the major indices like the S&P 500 for people because people get very disappointed when their investments do not track the market in general. He wrote that Bogle said people are more concerned with tr...
by BogleAlltheWay
Mon Jul 17, 2017 11:46 am
Forum: Investing - Theory, News & General
Topic: "The Worst ETFs You Can Own"
Replies: 38
Views: 3036

Re: "The Worst ETFs You Can Own"

See also Inverse and leveraged ETFs which includes an illustration of how a 2X leveraged ETF not only failed to earn double the returns of a plain S&P 500 fund, it actually earned less than the unleveraged fund. https://www.bogleheads.org/w/images/5/55/Vfinx-beats-sso.png Looking at the chart, ...
by BogleAlltheWay
Mon Jul 17, 2017 10:01 am
Forum: Investing - Help with Personal Investments
Topic: Working in New York City and living in NJ: Taxes
Replies: 26
Views: 1952

Re: Working in New York City and living in NJ: Taxes

The only tax deductions in NJ are medical expenses and NJ property taxes (or a prorated share of the rent if you rent in NJ); NY has essentially the same deductions as federal tax except for state tax. NY also has larger exemptions and standard deductions. Thus, if you live in NJ, you will pay tax ...
by BogleAlltheWay
Sun Jul 16, 2017 12:06 pm
Forum: Investing - Help with Personal Investments
Topic: Working in New York City and living in NJ: Taxes
Replies: 26
Views: 1952

Re: Working in New York City and living in NJ: Taxes

Do your taxes both ways using online tax prep software. If you don't file the forms, you shouldn't have to pay for doing so. The software alone will not suffice; you need to read the instructions for the tax forms. In particular, the software will allow you to enter the wrong number for your salary...
by BogleAlltheWay
Sun Jul 16, 2017 12:05 pm
Forum: Investing - Help with Personal Investments
Topic: Working in New York City and living in NJ: Taxes
Replies: 26
Views: 1952

Re: Working in New York City and living in NJ: Taxes

Are there any other major tax deductions differences outside of the medical expenses, traditional IRA, 403b and HSA? For 100k AGI does that mean I would lose out on 2k *(6.37%nj tax rate) ~ $125 of medical tax benefits? The only tax deductions in NJ are medical expenses and NJ property taxes (or a ...
by BogleAlltheWay
Sun Jul 16, 2017 11:29 am
Forum: Investing - Help with Personal Investments
Topic: Working in New York City and living in NJ: Taxes
Replies: 26
Views: 1952

Re: Working in New York City and living in NJ: Taxes

Does it matter in which state more of the income is earned? Are there any tax benefits for having the income in two states? For example, assuming health care plans are equal, is it better to have the health care plan in NYC due it guaranteed to be tax deductible? Or is there any tax benefit of favo...
by BogleAlltheWay
Sat Jul 15, 2017 12:02 pm
Forum: Investing - Help with Personal Investments
Topic: Working in New York City and living in NJ: Taxes
Replies: 26
Views: 1952

Re: Working in New York City and living in NJ: Taxes

Another tax issue is that you can only take a credit of your NY tax against your NJ tax for income taxed by both states. For example, if your NJ income is $100K and NY taxes $80K of that income, your credit for NY tax is the lesser of 80% of your NJ tax, or 100% of your NY tax. NJ taxes contributio...
by BogleAlltheWay
Sat Jul 15, 2017 12:54 am
Forum: Personal Finance (Not Investing)
Topic: What am I missing here? [I'm a bachelor]
Replies: 51
Views: 3152

Re: What am I missing here? [I'm a bachelor]

There are plenty of people on here who know more than I do and I have never owned a home. Here is a link to NY Times Buy or rent calculator. https://www.nytimes.com/interactive/2014/upshot/buy-rent-calculator.html It is a worth it money wise to buy a house in some situations. Often it is a break eve...
by BogleAlltheWay
Sat Jul 15, 2017 12:16 am
Forum: Investing - Help with Personal Investments
Topic: Working in New York City and living in NJ: Taxes
Replies: 26
Views: 1952

Re: Working in New York City and living in NJ: Taxes

Another tax issue is that you can only take a credit of your NY tax against your NJ tax for income taxed by both states. For example, if your NJ income is $100K and NY taxes $80K of that income, your credit for NY tax is the lesser of 80% of your NJ tax, or 100% of your NY tax. NJ taxes contributio...
by BogleAlltheWay
Fri Jul 14, 2017 12:53 pm
Forum: Investing - Help with Personal Investments
Topic: International Value Tilting
Replies: 29
Views: 1831

Re: International Value Tilting

In reading the forum, one of the most debated topics is whether or not a value or small premium will continue to exists. If you believe in the premium, it is worth it to pay extra for it. For US funds, the extra expense cost is minimal, although a bit more if held in taxable. International value fun...
by BogleAlltheWay
Fri Jul 14, 2017 8:10 am
Forum: Investing - Help with Personal Investments
Topic: Working in New York City and living in NJ: Taxes
Replies: 26
Views: 1952

Re: Working in New York City and living in NJ

Is there a website I can use to make a comparison of the taxes for living on one state and working in another? You really, really, really should look at more than current taxes. For instance, NJ is currently the State with the worst fiscal situation in the nation, followed by Illinois. What that me...
by BogleAlltheWay
Thu Jul 13, 2017 12:51 pm
Forum: Investing - Help with Personal Investments
Topic: Working in New York City and living in NJ: Taxes
Replies: 26
Views: 1952

Re: Working in New York City and living in NJ

Is there a website I can use to make a comparison of the taxes for living on one state and working in another?
by BogleAlltheWay
Thu Jul 13, 2017 11:02 am
Forum: Investing - Help with Personal Investments
Topic: New Commodities ETFs
Replies: 35
Views: 1583

Re: New Commodities ETFs

Larry Swedroe stopped recommending commodities some time ago. Since the 2008-2009 financial crisis, commodities have not done well, much of this due to the cheaper energy prices. When an asset class has been down for almost 10 years is that not the best time to move into an asset class IF you are l...
by BogleAlltheWay
Thu Jul 13, 2017 10:55 am
Forum: Investing - Help with Personal Investments
Topic: Working in New York City and living in NJ: Taxes
Replies: 26
Views: 1952

Re: Working in New York City and living in NJ

It depends. If living in NJ: NY State income tax should typically be credited back by NJ, thus not a factor. Besides capital gains/etc you typically won't be owing more to NJ. NY City income tax will not be owed at all (unless you work for the City of NY) If you own your home, property tax can be s...
by BogleAlltheWay
Thu Jul 13, 2017 10:35 am
Forum: Investing - Help with Personal Investments
Topic: Working in New York City and living in NJ: Taxes
Replies: 26
Views: 1952

Re: Working in New York City and living in NJ

That all depends on whether you are renting or owning the place you live in. You will pay NYS/NYC taxes but then when filing income taxes will receive a credit from state of NJ for taxes paid to other jurisdictions. The amount of the credit will reduce the overall amount of state/local income relat...
by BogleAlltheWay
Thu Jul 13, 2017 10:35 am
Forum: Investing - Help with Personal Investments
Topic: Working in New York City and living in NJ: Taxes
Replies: 26
Views: 1952

Re: Working in New York City and living in NJ

Will I be paying less taxes since I no longer have to pay NYC taxes?

My NJ state income tax would be less if I lived and worked in NJ, but I am unsure what tax rate I would pay if I worked in NYC.
by BogleAlltheWay
Thu Jul 13, 2017 9:35 am
Forum: Investing - Help with Personal Investments
Topic: Working in New York City and living in NJ: Taxes
Replies: 26
Views: 1952

Working in New York City and living in NJ: Taxes

Hi all,

Would my taxes be less if I lived in NJ and worked in NYC as opposed to living and working in NYC?
by BogleAlltheWay
Thu Jul 13, 2017 9:02 am
Forum: Investing - Help with Personal Investments
Topic: International Value Tilting
Replies: 29
Views: 1831

Re: International Value Tilting

Thanks for the link, although backtesting can be dangerous. There are experts on both sides to the value/small cap premium debate. If I buy a US value fund it will only cost a couple of extra basis points. If the premiums hold then I will come out ahead. If they don't continue I will be basically eq...
by BogleAlltheWay
Thu Jul 13, 2017 8:35 am
Forum: Investing - Help with Personal Investments
Topic: New Commodities ETFs
Replies: 35
Views: 1583

Re: New Commodities ETFs

note the date. https://www.bogleheads.org/forum/viewtopic.php?f=10&t=128797&newpost=1893183 Commodities Funds: A Decade of Disaster Postby Bill Bernstein » Sat Dec 21, 2013 1:33 pm We now have a 10-year trailing return for the flagship commodities futures fund, PCRIX: 3.26%--just barely nor...
by BogleAlltheWay
Wed Jul 12, 2017 9:48 pm
Forum: Investing - Help with Personal Investments
Topic: International Value Tilting
Replies: 29
Views: 1831

Re: International Value Tilting

Do the arguments about about US value apply to international funds as well ? When reading through various threads about the small value premium, I seem to remember it being mentioned it should be even more so internationally. Besides lower valuations compared to US, how much longer have small value...
by BogleAlltheWay
Wed Jul 12, 2017 9:41 pm
Forum: Investing - Help with Personal Investments
Topic: New Commodities ETFs
Replies: 35
Views: 1583

Re: New Commodities ETFs

nisiprius wrote:
Well, for whatever fascinating reasons, the benefits that had shown up so beautifully in presentations of backtested data conspicuously failed to show up in real life going forward from 2006.


Is 10 years a long enough time to say the data is wrong?
by BogleAlltheWay
Wed Jul 12, 2017 8:47 pm
Forum: Investing - Help with Personal Investments
Topic: New Commodities ETFs
Replies: 35
Views: 1583

Re: New Commodities ETFs

I don't know much about commodities either, but do I need to know much to buy a commodity index ? Even I just buy a gold bullion etf ? A lot of people are against commodities , but I was wondering if these newer lower costs funds are an improvement If you were interested in buying a commodity index...
by BogleAlltheWay
Wed Jul 12, 2017 7:57 pm
Forum: Investing - Help with Personal Investments
Topic: International Value Tilting
Replies: 29
Views: 1831

Re: International Value Tilting

How much of the performance difference is due to size as opposed value?
by BogleAlltheWay
Wed Jul 12, 2017 6:07 pm
Forum: Investing - Help with Personal Investments
Topic: New Commodities ETFs
Replies: 35
Views: 1583

Re: New Commodities ETFs

not4me wrote:
Are those your best options? I agree with above comments that these 4 are too thinly traded & have too little AUM at this point for me.


i can buy any widely available commodity ETF. I was interested in if there are any good commodity ETFs out there
by BogleAlltheWay
Wed Jul 12, 2017 6:03 pm
Forum: Investing - Help with Personal Investments
Topic: New Commodities ETFs
Replies: 35
Views: 1583

Re: New Commodities ETFs

Larry Swedroe stopped recommending commodities some time ago. Since the 2008-2009 financial crisis, commodities have not done well, much of this due to the cheaper energy prices. CCF should only do well in times of unexpected inflation or other times of supply demand disruptions which ultimately in...
by BogleAlltheWay
Wed Jul 12, 2017 4:09 pm
Forum: Investing - Help with Personal Investments
Topic: International Value Tilting
Replies: 29
Views: 1831

Re: International Value Tilting

Do the arguments about about US value apply to international funds as well ? When reading through various threads about the small value premium, I seem to remember it being mentioned it should be even more so internationally. Besides lower valuations compared to US, how much longer have small value...
by BogleAlltheWay
Wed Jul 12, 2017 1:53 pm
Forum: Investing - Help with Personal Investments
Topic: New Commodities ETFs
Replies: 35
Views: 1583

Re: New Commodities ETFs

Larry Swedroe stopped recommending commodities some time ago. Since the 2008-2009 financial crisis, commodities have not done well, much of this due to the cheaper energy prices. CCF should only do well in times of unexpected inflation or other times of supply demand disruptions which ultimately in...
by BogleAlltheWay
Wed Jul 12, 2017 10:14 am
Forum: Investing - Help with Personal Investments
Topic: Vanguard Index Funds in both 401K and Taxable Account?
Replies: 9
Views: 487

Re: Vanguard Index Funds in both 401K and Taxable Account?

If you decide you want/need bonds in taxable and you are in a high tax bracket, you can look into buying muni bonds.
by BogleAlltheWay
Wed Jul 12, 2017 9:55 am
Forum: Investing - Help with Personal Investments
Topic: International Value Tilting
Replies: 29
Views: 1831

Re: International Value Tilting

I left my financial advisor and transitioned to VTIAX. Then I tax loss harvested international and decided that value funds suited my risk profile. We have a lot in fixed income type things to meet financial commitments in a worst case job loss and trouble finding work at our age combined with a sp...
by BogleAlltheWay
Wed Jul 12, 2017 9:45 am
Forum: Investing - Help with Personal Investments
Topic: New Commodities ETFs
Replies: 35
Views: 1583

Re: New Commodities ETFs

Some of these new commodities ETFs are like buying options in the commodities market Options in the commodities markets are true gambling Remember they are just using a Bloomberg Commodities Index, it is not Bloomberg that designed the ETF or is advocating it .......Gordon Interesting. I can use th...
by BogleAlltheWay
Wed Jul 12, 2017 9:38 am
Forum: Investing - Help with Personal Investments
Topic: International Value Tilting
Replies: 29
Views: 1831

Re: International Value Tilting

What made you decide to change your strategy? I left my financial advisor and transitioned to VTIAX. Then I tax loss harvested international and decided that value funds suited my risk profile. We have a lot in fixed income type things to meet financial commitments in a worst case job loss and trou...
by BogleAlltheWay
Wed Jul 12, 2017 9:25 am
Forum: Investing - Help with Personal Investments
Topic: New Commodities ETFs
Replies: 35
Views: 1583

Re: New Commodities ETFs

nedsaid wrote:Larry Swedroe stopped recommending commodities some time ago. Since the 2008-2009 financial crisis, commodities have not done well, much of this due to the cheaper energy prices.


I was reading older posts and articles from around 2013.
by BogleAlltheWay
Wed Jul 12, 2017 9:19 am
Forum: Investing - Help with Personal Investments
Topic: New Commodities ETFs
Replies: 35
Views: 1583

Re: New Commodities ETFs

Why would you want to add this to your portfolio? What is the point? I am not being sarcastic here. You should only add asset categories to your IPS if they enhance the risk / return profile of your portfolio to reach your goals. I am lacking context here. In reading older post, there are people wh...
by BogleAlltheWay
Wed Jul 12, 2017 9:14 am
Forum: Investing - Help with Personal Investments
Topic: International Value Tilting
Replies: 29
Views: 1831

Re: International Value Tilting

Have you realized any significant benefit utilizing those funds as opposed to market cap funds? I wonder if the potential benefit of value tilting is worth the extra ER cost. I don't believe my returns say much about the strategy since I only started holding those funds in 2014 (and international m...
by BogleAlltheWay
Wed Jul 12, 2017 8:43 am
Forum: Investing - Help with Personal Investments
Topic: New Commodities ETFs
Replies: 35
Views: 1583

New Commodities ETFs

Hi all , Does anyone having any thoughts/opinions on the recently released commodities ETFs? GraniteShares Bloomberg Commodity Broad Strategy No K-1 ETF (COMB) ER .25% GraniteShares S&P GSCI Commodity Broad Strategy No K-1 ETF (COMG) ER .35% ETFS Bloomberg All Commodity Longer Dated Strategy K-1...
by BogleAlltheWay
Wed Jul 12, 2017 7:58 am
Forum: Investing - Help with Personal Investments
Topic: International Value Tilting
Replies: 29
Views: 1831

Re: International Value Tilting

Do you use those funds? They are 23% of my equities (40% International). The remaining (17%) is mostly cap weighted + VNQI (real estate) + a little MOM . Have you realized any significant benefit utilizing those funds as opposed to market cap funds? I wonder if the potential benefit of value tiltin...
by BogleAlltheWay
Tue Jul 11, 2017 4:13 pm
Forum: Investing - Help with Personal Investments
Topic: International Value Tilting
Replies: 29
Views: 1831

Re: International Value Tilting

Do you use those funds? They are 23% of my equities (40% International). The remaining (17%) is mostly cap weighted + VNQI (real estate) + a little MOM . Have you realized any significant benefit utilizing those funds as opposed to market cap funds? I wonder if the potential benefit of value tiltin...
by BogleAlltheWay
Tue Jul 11, 2017 3:24 pm
Forum: Investing - Help with Personal Investments
Topic: International Value Tilting
Replies: 29
Views: 1831

Re: International Value Tilting

FNDF Schwab Fundamental International Large Company Index ETF 0.25% ER FNDC Schwab Fundamental International Small Company Index ETF 0.39% ER FNDE Schwab Fundamental Emerging Markets Large Company Index ETF 0.39% ER DGS WisdomTree Emerging Markets SmallCap Dividend Fund ETF 0.63% ER Do you use thos...
by BogleAlltheWay
Tue Jul 11, 2017 10:42 am
Forum: Investing - Help with Personal Investments
Topic: International Value Tilting
Replies: 29
Views: 1831

Re: International Value Tilting

FNDF Schwab Fundamental International Large Company Index ETF 0.25% ER FNDC Schwab Fundamental International Small Company Index ETF 0.39% ER FNDE Schwab Fundamental Emerging Markets Large Company Index ETF 0.39% ER DGS WisdomTree Emerging Markets SmallCap Dividend Fund ETF 0.63% ER Do you use thos...
by BogleAlltheWay
Tue Jul 11, 2017 9:12 am
Forum: Investing - Help with Personal Investments
Topic: International Value Tilting
Replies: 29
Views: 1831

International Value Tilting

Hi all,

Do you tilt toward value internationally? If so, what funds do you use?
by BogleAlltheWay
Mon Jul 10, 2017 10:30 am
Forum: Investing - Theory, News & General
Topic: The cost of car ownership
Replies: 51
Views: 3247

Re: The cost of car ownership

The issue I have seen more in my area is that people buy SUVs and pickup trucks instead of buying a regular car. In some cases you would find that buying a new pickup or SUV rated for #6500 thru your own a business allows for some tax benefits that would make the comparison much closer than you thi...
by BogleAlltheWay
Mon Jul 10, 2017 10:08 am
Forum: Investing - Theory, News & General
Topic: The cost of car ownership
Replies: 51
Views: 3247

Re: The cost of car ownership

The issue I have seen more in my area is that people buy SUVs and pickup trucks instead of buying a regular car. That would be me, yes. My 2016 F150 is quite the utility vehicle, carrying 2500 lb of crushed stone on multiple occasions, a cubic yard of loam and another of mulch, 60 concrete blocks i...
by BogleAlltheWay
Mon Jul 10, 2017 10:06 am
Forum: Investing - Theory, News & General
Topic: The cost of car ownership
Replies: 51
Views: 3247

Re: The cost of car ownership

The issue I have seen more in my area is that people buy SUVs and pickup trucks instead of buying a regular car. In some cases you would find that buying a new pickup or SUV rated for #6500 thru your own a business allows for some tax benefits that would make the comparison much closer than you thi...
by BogleAlltheWay
Mon Jul 10, 2017 9:33 am
Forum: Investing - Theory, News & General
Topic: The cost of car ownership
Replies: 51
Views: 3247

Re: The cost of car ownership

The issue I have seen more in my area is that people buy SUVs and pickup trucks instead of buying a regular car.
by BogleAlltheWay
Fri Jul 07, 2017 7:54 am
Forum: Investing - Help with Personal Investments
Topic: Shifting Allocation
Replies: 5
Views: 499

Re: Shifting Allocation

There is a shifting allocation strategy of which I am aware. This strategy is employed during the withdrawal phase of investing, however, not the accumulation phase. Basic McClung Prime Harvesting Rules • This rule was proposed by Michael McClung in his book Living Off Your Money . • Pick an initia...
by BogleAlltheWay
Thu Jul 06, 2017 12:24 pm
Forum: Investing - Help with Personal Investments
Topic: Shifting Allocation
Replies: 5
Views: 499

Re: Shifting Allocation

Choosing an appropriate AA is a matter of assessing your need, ability, and willingness to take risk in order to meet your investment goals. "Current market conditions" should be irrelevant when making that decision if you have a 20 year horizon. Even if we have a crash like 2008-2009 whi...
by BogleAlltheWay
Thu Jul 06, 2017 9:07 am
Forum: Investing - Help with Personal Investments
Topic: Fund distributions and gain or loss
Replies: 8
Views: 370

Re: Fund distributions and gain or loss

Thanks for all the info. I did not realize there was disagreement.
by BogleAlltheWay
Thu Jul 06, 2017 8:34 am
Forum: Investing - Help with Personal Investments
Topic: Shifting Allocation
Replies: 5
Views: 499

Shifting Allocation

Hi all , Does anyone shift allocation based on the the current market conditions? If you agree with changing your allocation, how much should someone with a 20+ year time horizon shift off their target allocation. For example, say you target allocation is 50% US stock 25% International Stock and 25%...
by BogleAlltheWay
Wed Jul 05, 2017 11:28 am
Forum: Investing - Help with Personal Investments
Topic: Fund distributions and gain or loss
Replies: 8
Views: 370

Re: Fund distributions and gain or loss

I was reading that the price of a share drops by the dividend amount when the dividend is given out.
Does it work differently for stocks vs mutual funds?

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