Search found 218 matches

by Copernicus
Tue Dec 06, 2016 8:52 pm
Forum: Investing - Help with Personal Investments
Topic: RMD Dilemma
Replies: 24
Views: 2629

Re: RMD Dilemma

Bogle0048, I read your post with interest as I am also considering these things myself. Perhaps, it is not possible for you to explain this but Sorry, somehow, the numbers did not make sense to me because of these statements: My wife and I are in a similar circumstance, though not with as much as th...
by Copernicus
Fri Dec 02, 2016 2:55 pm
Forum: Investing - Help with Personal Investments
Topic: Life-changing event just happened. Seeking portfolio review and guidance
Replies: 35
Views: 2615

Re: Life-changing event just happened. Seeking portfolio review and guidance

Sorry to read about the situation. Excellent suggestions related to finances have already been given. I would suggest paying off the credit card balance as soon as practical. Using average longevity in years, it is usually easy to compare scenarios for lump sum vs each annuity option and spousal ben...
by Copernicus
Thu Dec 01, 2016 10:57 am
Forum: Personal Finance (Not Investing)
Topic: What level of wealth will get the attention of an estate attorney?
Replies: 39
Views: 5699

Re: What level of wealth will get the attention of an estate attorney?

Guorami, I do not understand why net worth is of any consequence in drafting a document, which has no mention of the size of the estate. It may be of consequence when implementing the directions of the document, i.e., after the estate is inherited. In California, you can have trust written by an att...
by Copernicus
Thu Dec 01, 2016 10:43 am
Forum: Investing - Help with Personal Investments
Topic: Move all equities to taxable?
Replies: 5
Views: 748

Re: Move all equities to taxable?

65k in taxable versus 100k in tax deferred gives you about the same weighting. In that case stocks in tax deferred will tend to outperform (no tax drag is more important than TLH benefits) Do you actually adjust the asset allocation weights in portfolio to account for tax impact when a position wou...
by Copernicus
Sat Nov 26, 2016 8:56 am
Forum: Investing - Help with Personal Investments
Topic: High yield corporate (VWEAX) vs REIT (VNQ)
Replies: 6
Views: 786

Re: High yield corporate (VWEAX) vs REIT (VNQ)

I don't think it makes any sense to invest in a REIT fund unless one is going to sell some shares after it exceeds one's upper range rebalancing trigger point and also buy some shares after it drops below one's lower range rebalancing trigger point. Also, I really don't care about accumulating divi...
by Copernicus
Sat Nov 26, 2016 8:50 am
Forum: Investing - Theory, News & General
Topic: Rebalancing bands revisited, a proposal
Replies: 66
Views: 7000

Re: Rebalancing bands revisited, a proposal

With all else equal, your ability to take risk is less when older, .... I would assert that one's ability to take risk is at a minimum plus-or-minus a few years around their retirement day. Others have suggested something similar. As one gets older, the number of years that a portfolio needs to las...
by Copernicus
Fri Nov 25, 2016 12:38 pm
Forum: Investing - Theory, News & General
Topic: Rebalancing bands revisited, a proposal
Replies: 66
Views: 7000

Re: Rebalancing bands revisited, a proposal

I went through almost all the posts. Excellent information. However, I would say that people should not, perhaps naively, apply a fixed guideline like 5/25 to different size portfolios. It makes sense that whether one has a total portfolio of $ 10000 or $ 10 million, 5% is 5%. But actually, it is no...
by Copernicus
Thu Nov 24, 2016 3:27 pm
Forum: Investing - Help with Personal Investments
Topic: High yield corporate (VWEAX) vs REIT (VNQ)
Replies: 6
Views: 786

High yield corporate (VWEAX) vs REIT (VNQ)

http://quotes.morningstar.com/chart/fund/chart.action?t=VWEAX&region=usa&culture=en-US http://quotes.morningstar.com/chart/etf/chart.action?t=VNQ&region=usa&culture=en-US&productcode=COM VWEAX has much lower volatility than VNQ. Yields: VWEAX 5.71%, VNQ: 3.72% I have some money ...
by Copernicus
Wed Nov 23, 2016 3:14 pm
Forum: Personal Finance (Not Investing)
Topic: Joint accounts with kids
Replies: 33
Views: 2291

Re: Joint accounts with kids

BTW, what does it men when this appears below the reply: " This signature message sponsored by sscritic: Learn to fish."? Refers to a well respected, missed and extremely knowledgable former forum poster, one motto was "learn to fish". Instead of relying on others to do for you,...
by Copernicus
Wed Nov 23, 2016 3:04 pm
Forum: Personal Finance (Not Investing)
Topic: Joint accounts with kids
Replies: 33
Views: 2291

Re: Joint accounts with kids

delamer wrote:Copernicus -- What about an IRA invested in a Target Retirement fund? That way you aren't a joint holder on the account, but are getting them started on the Boglehead path.


delamer, that is a good idea. I do not know the answer to this: Can I transfer money into an IRA account in my kid's name?
by Copernicus
Tue Nov 22, 2016 4:40 pm
Forum: Personal Finance (Not Investing)
Topic: Joint accounts with kids
Replies: 33
Views: 2291

Re: Joint accounts with kids

I would NOT do this. I always dreaded that my spouse was named on some unknown joint account with her mother. Maybe her mom didn't pay taxes on the dividends or something. Either person on the joint account exposes the other person to collections and liabilities. For instance, if my spouse went ban...
by Copernicus
Tue Nov 22, 2016 4:08 pm
Forum: Personal Finance (Not Investing)
Topic: Joint accounts with kids
Replies: 33
Views: 2291

Joint accounts with kids

I have tried to expose our grown up kids to the Bogleheads philosophy, but the inducement has not worked well. Considering whether it is ok to open a separate joint account with each kid. What things to consider? - Kids are not extravagant, and I trust that they will use money only when really neede...
by Copernicus
Mon Nov 21, 2016 4:06 pm
Forum: Investing - Help with Personal Investments
Topic: TLH CA Bond Funds?
Replies: 38
Views: 2110

Re: TLH CA Bond Funds?

As a general rule, I believe that the NAV adjusts in proportion, so in theory, it does not impact my total proceeds. So, I do not consider that. If I sell on a 'bad day', or on a 'good day' for the trade, I may get different amounts for the trade............ I hope others comment on this with helpfu...
by Copernicus
Mon Nov 21, 2016 3:42 pm
Forum: Investing - Help with Personal Investments
Topic: TLH CA Bond Funds?
Replies: 38
Views: 2110

Re: TLH CA Bond Funds?

I am considering doing the same thing. I will move the money into short term bond fund BSV or short term treasuries fund, and reinvest in the same funds next year in 3-4 portions to accommodate potential rate increases.
by Copernicus
Mon Nov 21, 2016 3:20 pm
Forum: Investing - Help with Personal Investments
Topic: House Proceeds
Replies: 4
Views: 533

Re: House Proceeds

If you have taken a big mortgage, and are relatively young, seems to me that you would not be looking to take money out of the market any time soon, not for 5-10 years. In that case, I would suggest investing it all in 75/25 AA. If you are uncomfortable putting it all in in one go, put in four equal...
by Copernicus
Wed Nov 09, 2016 5:55 pm
Forum: Investing - Theory, News & General
Topic: Total Bond Index
Replies: 15
Views: 2752

Re: Total Bond Index

We don't. We have a large holding of of VCADX (CA Muni's) in the taxable account. Works for us. Our tax rate is too high and too much of our portfolio is taxable - (happy problems to have) - to hold taxable bonds in taxable accounts. I am also using state and national muni bond funds in my taxable ...
by Copernicus
Mon Oct 31, 2016 5:53 pm
Forum: Personal Consumer Issues
Topic: which engineering major for renewables
Replies: 62
Views: 3690

Re: which engineering major for renewables

An addition to my previous reply: I joined my kid ten years ago to visit several top engineering schools in UC California system. I heard an interesting comment more than once from the engineering students in those schools: "For engineering jobs, MS is now what BS used to be!" That was lon...
by Copernicus
Sun Oct 30, 2016 3:18 pm
Forum: Personal Consumer Issues
Topic: which engineering major for renewables
Replies: 62
Views: 3690

Re: which engineering major for renewables

I am not an engineer, but I went through the same process as a parent of a child entering engineering school, who later found out that was not the right branch of engineering, and the campus was too large with no personal attention, too large classes, and too many distracting activities like big spo...
by Copernicus
Sat Oct 29, 2016 1:27 pm
Forum: Personal Finance (Not Investing)
Topic: Family Trust: Is A/B Trust OK?
Replies: 4
Views: 744

Re: Family Trust: Is A/B Trust OK?

Your terminology is confusing. A is most commonly an archaic reference to a marital or QTIP trust, and B is most commonly an archaic reference to a credit shelter or bypass trust. But we can tell from the context that you're asking whether the first spouse to die should leave his/her estate to the ...
by Copernicus
Thu Oct 27, 2016 12:22 pm
Forum: Personal Finance (Not Investing)
Topic: Costco Visa foreign transaction fee
Replies: 36
Views: 3413

Re: Costco Visa foreign transaction fee

copernicus wrote: Citi does not have this notification feature for the new Costco Visa card. Check into that again. Costco Anywhere Visa Card notifies via text or email within seconds. We chose a $1.00 transaction amount cutoff for notification. We set up notification online. I know they have a not...
by Copernicus
Wed Oct 26, 2016 9:45 pm
Forum: Personal Finance (Not Investing)
Topic: Family Trust: Is A/B Trust OK?
Replies: 4
Views: 744

Family Trust: Is A/B Trust OK?

I am asking as help for a relative, who has a family trust of the A/B type, written several years ago. Details: Married couple, Total equity in trust including house, cars, brokerage accounts 4.0 Mil + IRAs of each 0.5 and 1.0 Mil = Total 5.5 Mil. Beneficiaries: If one spouse dies, the surviving spo...
by Copernicus
Fri Oct 21, 2016 2:44 pm
Forum: Personal Finance (Not Investing)
Topic: Costco Visa foreign transaction fee
Replies: 36
Views: 3413

Re: Costco Visa foreign transaction fee

OK, I do not have a comment on the OP's question, but my big concern in using that card abroad (or online) is: I would never know quickly whether someone made an unauthorized charge using the number in the absence of the card. With the earlier Costco AmEx card, if someone posted a charge using my c...
by Copernicus
Wed Oct 19, 2016 1:32 pm
Forum: Investing - Help with Personal Investments
Topic: Retirement Advice
Replies: 6
Views: 798

Re: Retirement Advice

- I would not sell the very small % of individual stocks.
- If you retire at such an early age, would you get bored with too much free time? Have you planned engrossing social activities or do you have long-lasting hobbies?
by Copernicus
Wed Oct 19, 2016 1:21 pm
Forum: Personal Finance (Not Investing)
Topic: Costco Visa foreign transaction fee
Replies: 36
Views: 3413

Re: Costco Visa foreign transaction fee

OK, I do not have a comment on the OP's question, but my big concern in using that card abroad (or online) is: I would never know quickly whether someone made an unauthorized charge using the number in the absence of the card. With the earlier Costco AmEx card, if someone posted a charge using my ca...
by Copernicus
Thu Oct 06, 2016 1:38 pm
Forum: Investing - Help with Personal Investments
Topic: temporarily cashing out ?
Replies: 55
Views: 4896

Re: temporarily cashing out ?

gd wrote:Make sure your gut is not mixing politics and finances. It's the season for that. It generally doesn't work well.


Very important comment!!
by Copernicus
Thu Oct 06, 2016 1:28 pm
Forum: Personal Finance (Not Investing)
Topic: Securities litigation notice
Replies: 14
Views: 1593

Re: Securities litigation notice

Faith20879 wrote: Apology to OP, didn't mean to derail your discussion.


Please don't apologize. I usually learn a lot more useful things from the free discussions on these boards than what I came in looking for!
by Copernicus
Thu Oct 06, 2016 12:57 pm
Forum: Personal Finance (Not Investing)
Topic: Umbrella policy coverage
Replies: 4
Views: 781

Re: Umbrella policy coverage

For example, is an asset like primary residence or personal IRA 'immune' from liability, hence umbrella insurance amount need not consider it? You can do a Google search on this issue. If I remember, California does not protect IRAs to any significant extent (unless they changed their laws). Looks ...
by Copernicus
Tue Oct 04, 2016 5:13 pm
Forum: Investing - Help with Personal Investments
Topic: temporarily cashing out ?
Replies: 55
Views: 4896

Re: temporarily cashing out ?

+1 for all the above comments. Underline the effect of taxes. Increasing the bonds % is a better idea. IF you must sell, you should consider doing it in small portions, like 10% at a time, once every month for 2-3 months. I imagine that you might start feeling differently after a month or two. In th...
by Copernicus
Tue Oct 04, 2016 4:56 pm
Forum: Personal Finance (Not Investing)
Topic: Umbrella policy coverage
Replies: 4
Views: 781

Umbrella policy coverage

State - California. Assets: House, cars, brokerage accounts, retirement accounts. Have an umbrella policy (Geico), thinking of raising coverage amount. The premium amounts are tiered for increasing coverage, and become progressively more expensive for each additional million. . Are there assets that...
by Copernicus
Tue Oct 04, 2016 4:29 pm
Forum: Personal Finance (Not Investing)
Topic: Securities litigation notice
Replies: 14
Views: 1593

Re: Securities litigation notice

The Notice is most likely legitimate, but I cannot determine that from what you posted. If you provide the case caption (names of the parties, the case number, and the court where the case is pending--all of which will be on the first page), I can give you a definitive answer. I am wondering whethe...
by Copernicus
Mon Oct 03, 2016 9:52 pm
Forum: Personal Finance (Not Investing)
Topic: Securities litigation notice
Replies: 14
Views: 1593

Re: Securities litigation notice

Thanks, LadyGeek. You are correct; mine is a different notice/class action.
by Copernicus
Mon Oct 03, 2016 9:26 pm
Forum: Personal Finance (Not Investing)
Topic: Securities litigation notice
Replies: 14
Views: 1593

Securities litigation notice

Received a mailing stating that I should fill out a form to qualify. Can anyone comment on how to assess authenticity of mailing, and whether it is a good idea to send information in the form? Thanks.
Details: Pfizer securities litigation settlement c/o Garden city group, LLC in Dublin, OH
by Copernicus
Sun Oct 02, 2016 6:43 pm
Forum: Investing - Theory, News & General
Topic: REIT Funds "Duration"
Replies: 2
Views: 570

REIT Funds "Duration"

Do REIT funds report 'average duration of the leases' in their portfolio, which might be some sort of a measure of their potential sensitivity to interest rates? (Old leases end, replaced by higher or lower income new leases.)
by Copernicus
Fri Sep 30, 2016 4:04 pm
Forum: Investing - Help with Personal Investments
Topic: High yield corporate bond fund VWEAX vs. REIT fund VGSLX
Replies: 7
Views: 436

Re: High yield corporate bond fund VWEAX vs. REIT fund VGSLX

In a taxable account, one may want to limit income, but in a tax-advantaged account, income should not matter. Total return is all that matters. I would not allow income to factor into my decision on whether or not to hold an asset. Clear, ...... but was not the point. The point was: HY Corp bond f...
by Copernicus
Fri Sep 30, 2016 1:23 pm
Forum: Investing - Help with Personal Investments
Topic: High yield corporate bond fund VWEAX vs. REIT fund VGSLX
Replies: 7
Views: 436

High yield corporate bond fund VWEAX vs. REIT fund VGSLX

High yield corporate bond funds have higher risks than diversified bond funds. However, over last 10 years, HY Corporate bond funds look a lot less volatile than real estate funds, but REIT funds seem to be more readily accepted in portfolios. If one has to boost income in tax advantaged account, VW...
by Copernicus
Mon Sep 05, 2016 10:18 pm
Forum: Investing - Help with Personal Investments
Topic: Wife's 403b - what am I missing?
Replies: 7
Views: 650

Re: Wife's 403b - what am I missing?

2016
Limit on employee contributions to 401k, 403b, or 457 plan $18,000
Limit on age 50+ catchup contributions to 401k, 403b, or 457 plan $6,000
by Copernicus
Fri Sep 02, 2016 5:05 pm
Forum: Personal Finance (Not Investing)
Topic: How to compare a mega corp job offer to a startup's
Replies: 31
Views: 2749

Re: How to compare a mega corp job offer to a startup's

In general, I would say that you can not make a wrong decision either way: stay where you are or go to the small company. In the big company, I allocated about 40% of an employee's salary in my budget for the benefits they received including medical, company match, vacation, etc etc. In other words,...
by Copernicus
Fri Sep 02, 2016 4:46 pm
Forum: Personal Finance (Not Investing)
Topic: Seeking Job Ideas for a disabled MD
Replies: 17
Views: 2083

Re: Seeking Job Ideas for a disabled MD

Look into Pharma/Biotech R&D and also academic research labs. I am impressed by how much contribution medically trained professionals (who are not licensed physicians) can make in the development of new medications, clinical development, medical writing, drug safety surveillance, etc.! AND, at o...
by Copernicus
Thu Sep 01, 2016 4:24 pm
Forum: Investing - Help with Personal Investments
Topic: Take the loss and exit market?
Replies: 22
Views: 3037

Re: Take the loss and exit market?

You did the right thing, now do not change the course! When you can invest directly into a mutual fund with minimum initial investment, automate investments using Vanguard's service to invest directly from your bank account into Vanguard account on a monthly basis. This will eliminate emotions in in...
by Copernicus
Sun Aug 28, 2016 4:51 pm
Forum: Investing - Help with Personal Investments
Topic: Index Fund Timing ?? [Portugal]
Replies: 19
Views: 1368

Re: Index Fund Timing ?? [European resident]

I think it isn’t worth but if you think it’s cheaper to do as you said, and invest in ETF’s every six month I would do it. I would do the math but I’m not sure what are the calculations I should do, so if you could kindly explain it to me, I would do it myself and then post here the comparisons bet...
by Copernicus
Thu Aug 25, 2016 8:49 pm
Forum: Investing - Help with Personal Investments
Topic: Index Fund Timing ?? [Portugal]
Replies: 19
Views: 1368

Re: Index Fund Timing ?? [European resident]

I only have available Vanguard ETF’s no index fund’s. ETF’s are out of the question because the cheapest broker here costs 2€ plus 0,02% of the operation value, and since I will be investing every month index funds become cheaper I guess ? Dollar cost averaging does not have to be monthly, but more...
by Copernicus
Wed Aug 24, 2016 7:51 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard's so so customer service
Replies: 71
Views: 8903

Re: Vanguard's so so customer service

I requested upgrade of my fund account to a brokerage account. They took more than a month after receiving my complete application in VG, before the account upgrade went into effect!
by Copernicus
Wed Aug 24, 2016 7:47 pm
Forum: Investing - Help with Personal Investments
Topic: Decisionmaker asking if we're in correct investment lineup
Replies: 12
Views: 1065

Re: Decisionmaker asking if we're in correct investment lineup

I wonder whether your company provides a matching contribution? If yes, that is a great incentive to start right away, in spite of the high expense ratios! Start socking away money now, while you make efforts to get less expensive funds in the program.
by Copernicus
Wed Aug 24, 2016 7:42 pm
Forum: Investing - Help with Personal Investments
Topic: Index Fund Timing ?? [Portugal]
Replies: 19
Views: 1368

Re: Index Fund Timing ?? [European resident]

Welcome to the forum! Congratulations on starting young, on the right track for long term investing! It appears that you would be investing relatively small amounts regularly, so the current level of the index should not matter much. Look up dollar cost averaging, if you have already not done so. ht...
by Copernicus
Wed Aug 24, 2016 4:47 pm
Forum: Investing - Help with Personal Investments
Topic: Asset Reallocation Dilemma: Can I Avoid the Tax Hit?
Replies: 43
Views: 2552

Re: Asset Reallocation Dilemma: Can I Avoid the Tax Hit?

Assuming that you can not add new funds to readjust the AA. 1) It seems that you might be at the prime of your earning potential. If you think your tax rate may be higher in future than it is now, selling and paying taxes may not be such a bad idea. - Pay now, but lower than you would have to pay i...
by Copernicus
Sun Aug 21, 2016 6:46 pm
Forum: Investing - Help with Personal Investments
Topic: Help on asset allocation
Replies: 7
Views: 538

Re: Help on asset allocation

Short-term investment Brokerage Account: $50k - short-term trading - No no on this site. High yield saving acct: $4.5mm - why has so much accumulated? Was this a windfall? [b]Timing I understand I shouldn't time the market. But given the record high of the current stock index, I like to execute my ...
by Copernicus
Sun Aug 21, 2016 6:36 pm
Forum: Investing - Help with Personal Investments
Topic: Asset Reallocation Dilemma: Can I Avoid the Tax Hit?
Replies: 43
Views: 2552

Re: Asset Reallocation Dilemma: Can I Avoid the Tax Hit?

Going from 56% to 50% will give you great peace of mind, but I don't think it will affect your portfolio so much. Also, that 6% difference could come from any of your equity assets: large, international, small, whatever. Think of it this way: If an extra 6% in equities dropped 50%, then your portfo...
by Copernicus
Sun Aug 21, 2016 6:35 pm
Forum: Investing - Help with Personal Investments
Topic: Asset Reallocation Dilemma: Can I Avoid the Tax Hit?
Replies: 43
Views: 2552

Re: Asset Reallocation Dilemma: Can I Avoid the Tax Hit?

Assuming that you can not add new funds to readjust the AA. 1) It seems that you might be at the prime of your earning potential. If you think your tax rate may be higher in future than it is now, selling and paying taxes may not be such a bad idea. - Pay now, but lower than you would have to pay i...
by Copernicus
Sun Aug 21, 2016 1:45 pm
Forum: Investing - Help with Personal Investments
Topic: Asset Reallocation Dilemma: Can I Avoid the Tax Hit?
Replies: 43
Views: 2552

Re: Asset Reallocation Dilemma: Can I Avoid the Tax Hit?

Assuming that you can not add new funds to readjust the AA. 1) It seems that you might be at the prime of your earning potential. If you think your tax rate may be higher in future than it is now, selling and paying taxes may not be such a bad idea. - Pay now, but lower than you would have to pay in...

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