Search found 141 matches

by Cruncher
Sun Jun 26, 2016 5:58 pm
Forum: Investing - Theory, News & General
Topic: The Three-Fund Portfolio
Replies: 1533
Views: 784851

Re: The Three-Fund Portfolio

Taylor, I hang on the fringes of Bogle forum time ... thank you for your contribution to society. I know that be a little heavy, but thanks anyway. Ditto your work with my grandpa a generation ago. Regarding the 3-fund portfolio, I have just recently converted to a 3-fund portfolio. I've been a slic...
by Cruncher
Mon Jun 13, 2016 2:01 pm
Forum: Investing - Theory, News & General
Topic: Inevesting Mistakes or Regrets
Replies: 49
Views: 4551

Re: Inevesting Mistakes or Regrets

My mistakes can be summarized by not becoming a Boglehead much earlier.

It's a mistake I hope to have my kids not make ... :happy
by Cruncher
Mon Jun 13, 2016 1:53 pm
Forum: Investing - Theory, News & General
Topic: The Three-Fund Portfolio
Replies: 1533
Views: 784851

Re: The Three-Fund Portfolio

Actually, with your lifetime income potential, I can't think of a time when it'll be more beneficial for you to NOT select a target dated retirement fund over managing even a 3-fund portfolio yourself, at least from a cost perspective. Assuming your career stays in medicine. As your portfolio grows ...
by Cruncher
Mon Jun 13, 2016 1:46 pm
Forum: Investing - Theory, News & General
Topic: The Three-Fund Portfolio
Replies: 1533
Views: 784851

Re: The Three-Fund Portfolio

Josh, As Lady Geek has posted, manage your Risk first. If you are comfortable with a 90/10 mix than go for it. When the market "corrects", you be able to wake up, drink a cup of coffee then go play golf. The market jitters can't make you watch CNBC, nor worry about the "current" ...
by Cruncher
Mon Jun 13, 2016 1:11 pm
Forum: Investing - Theory, News & General
Topic: What is your overall portfolio weighted expense ratio
Replies: 118
Views: 6339

Re: What is your overall portfolio weighted expense ratio

0.13%, across all accounts, though I do have some active (DFA) funds mixed in there. That being said, we've recently achieved access to some new VG funds at my 401k. VITSX (we already had VIIIX; I haven't decided on which to invest in, the total US mkt or just stick with SP500), VTSNX & VBTIX. G...
by Cruncher
Tue Apr 19, 2016 12:27 pm
Forum: Personal Finance (Not Investing)
Topic: Form 8606 question
Replies: 5
Views: 614

Re: Form 8606 question

If I go by this guys' suggestion,

http://whitecoatinvestor.com/backdoor-roth-ira-tutorial/

line 2 would always be zero (assuming I converted all Traditional IRA assets at the end of every year).

:oops:
by Cruncher
Tue Apr 19, 2016 12:20 pm
Forum: Personal Finance (Not Investing)
Topic: Form 8606 question
Replies: 5
Views: 614

Re: Form 8606 question

Thanks Epsilon!

Yea, I spent all day yesterday trying to figure out the basis, which affects the rest of the form (& all subsequent forms).

I'll be here all day ... :sharebeer
by Cruncher
Tue Apr 19, 2016 11:54 am
Forum: Personal Finance (Not Investing)
Topic: Form 8606 question
Replies: 5
Views: 614

Form 8606 question

Hello all, I know, good timing for this question (at the bottom): On Form 8606, Line 2: Enter your Total Basis in traditional IRAs (See Instructions)... Instructions : Line 2 Generally, if this is the first year you are required to file Form 8606, enter -0-. Otherwise, use the Total Basis Chart, lat...
by Cruncher
Tue Sep 08, 2015 11:40 am
Forum: Investing - Theory, News & General
Topic: The Final, Definitive Thread on Rebalancing
Replies: 41
Views: 4744

Re: The Final, Definitive Thread on Rebalancing

stlutz,

Awesome post! I don't come on here much, actually aside from this past weekend, been probably over a year. But that post nailed it, like I haven't missed anything!

Keep rocking'! :sharebeer
by Cruncher
Tue Sep 08, 2015 11:22 am
Forum: Investing - Theory, News & General
Topic: 401k Company match question
Replies: 11
Views: 984

Re: 401k Company match question

Thanks Savings, and others too ...

Figured this was not possible, as I've never heard of it before. Just thought I'd ask others more knowledgeable than the HR person.
by Cruncher
Mon Sep 07, 2015 5:57 pm
Forum: Investing - Theory, News & General
Topic: 401k Company match question
Replies: 11
Views: 984

Re: 401k Company match question

All, thanks for the replies ... Learaar, For #1, see if I understand what you mean: will her company allow us to contribute "after tax" dollars (from whatever income sources) into her 401k beyond the 402(g) limits (presently $18k)? If so, I've never thought of that idea. However, at first ...
by Cruncher
Mon Sep 07, 2015 1:36 pm
Forum: Investing - Theory, News & General
Topic: 401k Company match question
Replies: 11
Views: 984

Re: 401k Company match question

Thank you ved, but why not? Is there a law against this (IRS Rule, GAAP rule, ...)?

How is this different than negotiating one's own compensation?
by Cruncher
Mon Sep 07, 2015 12:38 pm
Forum: Investing - Theory, News & General
Topic: What to hold F o r e v e r
Replies: 42
Views: 5819

Re: What to hold F o r e v e r

The only time I sell any of the aforementioned, is for annual rebalancing (if necessary).

Cruncher
by Cruncher
Mon Sep 07, 2015 12:33 pm
Forum: Investing - Theory, News & General
Topic: 401k Company match question
Replies: 11
Views: 984

401k Company match question

Hello all, My wife and I both work and 402(g) max out our 401k contributions. We also both maximize our savings into a Roth IRA annually and save quite a bit into both of our kids' 529 plans. We live comfortable on my salary alone and are considering asking my wife's company to change the way she is...
by Cruncher
Sat Jun 01, 2013 3:04 am
Forum: Investing - Theory, News & General
Topic: What is your equity allocation to international?
Replies: 56
Views: 5724

Re: What is your equity allocation to international?

Right at 30% total portfolio:

12% Lg / Med Developed
5% Lg / Med Emerging
8% Sm Value (DISVX - suppose not a true index fund)
5% Sm Blend (developed)

FWIW.

Good luck!
by Cruncher
Mon Apr 29, 2013 1:40 pm
Forum: Investing - Theory, News & General
Topic: Whether to take dividends or automatically reinvest them...
Replies: 10
Views: 1425

Re: Whether to take dividends or automatically reinvest them

Retiredjg's link is a good complete answer: Cliff notes version: Dividends are taxed from a taxable account the same regardless of what you do with them, burn 'em, automatic reinvest them, give 'em away, ... whatever. So your decision really resides on what your intent is with the "new" mo...
by Cruncher
Mon Apr 22, 2013 1:28 pm
Forum: Investing - Theory, News & General
Topic: Charlie Ellis & Burton Malkiel say 0% bonds OK under 50
Replies: 155
Views: 19696

Re: Charlie Ellis & Burton Malkiel say 0% bonds OK under 50

To the OP, You could be 0% bonds, but that's not very good at risk management. In my view, AA is risk management, or rather achieving the highest risk-adjusted return possible. 100% equities does not fit that goal. Many studies show a better return with bonds. If nothing else, the bond (read: lower ...
by Cruncher
Mon Mar 11, 2013 3:05 pm
Forum: Investing - Theory, News & General
Topic: The mechanics of doing asset allocation
Replies: 8
Views: 971

Re: The mechanics of doing asset allocation

Here's how I break my AA down: Asset class Target AA D Lg Blend 15% D Med Blend 15% D Sm Blend 7% D Sm Value 8% REIT 10% I Lg & Med Mkt 12% Emerg Mkts 5% I Sm Value 7% I Sm Mkt 6% Total bond 11% TIPS 4% Money Mkt 0% 100% I do reference M*, but don't get too wrapped around the axle. i used to hav...
by Cruncher
Wed Feb 13, 2013 1:22 pm
Forum: Investing - Theory, News & General
Topic: Buy and hold Sell covered calls
Replies: 36
Views: 2830

Re: Buy and hold Sell covered calls

Rai, This is exactly what some friends of mine do. They do it particularly with ESPP company stock, though others delve into the "volatile stocks." Over the years, they amassed a sizable amount, which they sell covered calls on. Now, the stock isn't as volatile as AAPL, and the premium is ...
by Cruncher
Fri Feb 08, 2013 4:45 pm
Forum: Investing - Theory, News & General
Topic: Stocks are at a 5 year high, now what?
Replies: 55
Views: 8073

Re: Stocks are at a 5 year high, now what?

Rick, What am I going to do? I'm gonna "stay on timeline". Does that bring you back to your 7523 days? If my portfolio indicates a rebalance, then I'll rebalance. If not, then I'll continue to chase the laggards with new monies. :sharebeer I'm guessing, the 5-year high will incite the gree...
by Cruncher
Fri Feb 08, 2013 12:21 am
Forum: Investing - Theory, News & General
Topic: Buy and hold Sell covered calls
Replies: 36
Views: 2830

Re: Buy and hold Sell covered calls

Magic,

Of course!

Thank you
by Cruncher
Thu Feb 07, 2013 6:03 pm
Forum: Investing - Theory, News & General
Topic: Buy and hold Sell covered calls
Replies: 36
Views: 2830

Re: Buy and hold Sell covered calls

Folks, This is exactly the kind of discussion I was looking for! There is the simple, from Larry to describing the mathematical, logical and emotional (all the others). I thank everyone for their inputs. I can now go back to my IPS and say, this subject has been researched and I'm sticking to my bor...
by Cruncher
Wed Feb 06, 2013 11:26 pm
Forum: Investing - Theory, News & General
Topic: Buy and hold Sell covered calls
Replies: 36
Views: 2830

Re: Buy and hold Sell covered calls

Larry, Thank you for your time answering. I respect your professional knowledge you share with us (ditto a lot or you folks :D ) BBL, I suppose I was thinking once a Call was in the money, the holder would execute the option and purchase the stocks (from me) at the strike price (releasing my capital...
by Cruncher
Wed Feb 06, 2013 4:48 pm
Forum: Investing - Theory, News & General
Topic: Buy and hold Sell covered calls
Replies: 36
Views: 2830

Buy and hold Sell covered calls

Hello all, Been a Boglehead since before my start date on this forum. To keep this post succinct, I'll just say I'm a true believer in our ways. The only time I sell any asset, is to rebalance; which is not done very often, currently I rebalance twice a year, 1) when I fund my Roth IRAs and 2)when m...
by Cruncher
Sun Dec 16, 2012 3:19 am
Forum: Investing - Theory, News & General
Topic: International REITs anyone?
Replies: 55
Views: 9576

Re: International REITs anyone?

I have access to DFGEX (er 0.86%) in my 401k. I split my REIT AA between DFGEX, SCHH (er 0.07%), and VNQ (er 0.12%).

DFGEX makes up about half my RE AA. FWIW.
by Cruncher
Fri Dec 14, 2012 11:53 am
Forum: Investing - Theory, News & General
Topic: Expense Ratios
Replies: 62
Views: 5192

Re: Expense Ratios

Wow,

Just realized that all the managing I do on my portfolio matches the er of VTTHX. Wow, just had a "could of had a V8" moment. :oops:

Interesting observation on my part ... sorry thinking (writing) out loud. :beer
by Cruncher
Fri Dec 14, 2012 11:40 am
Forum: Investing - Theory, News & General
Topic: Expense Ratios
Replies: 62
Views: 5192

Re: Expense Ratios

Goalie, I'll have to look at her account again. I set the Vanguard option years ago, as it was the only "low cost" option. I was happy about having this option, but when I dug through the weeds on total costs, it came up as 0.94%. Since I had this exact same MF at Vanguard, the difference ...
by Cruncher
Thu Dec 13, 2012 5:45 pm
Forum: Investing - Theory, News & General
Topic: Expense Ratios
Replies: 62
Views: 5192

Re: Expense Ratios

To steal someone else' reply: 0.19% (weighted average) Though to put it into perspective: 75 % equities, 15% FI, 10% REIT Eq = 40% US + 35% International FI = 10% Barclays US Agg Bond + 5% TIPs REIT = mix of VNQ, SCHH, & DFGEX No cash. Cruncher PS in my wife's IRA (managed by TransAmerica) I hav...
by Cruncher
Fri Oct 12, 2012 4:09 pm
Forum: Investing - Theory, News & General
Topic: Some interest questions
Replies: 6
Views: 417

Re: Some interest questions

Sorry if my original post was vague. When "interest rates" rise? sscritic, I had a similar story. I wasn't one, but the interest rates were in the 13% is memory serves me correct. To clear up my post (again) Is it cheaper for the fed to repurchase outstanding debt "when" rates ri...
by Cruncher
Fri Oct 12, 2012 3:50 pm
Forum: Investing - Theory, News & General
Topic: Some interest questions
Replies: 6
Views: 417

Some interest questions

All, What are some opinions of the US equity market when this happens? What about the international market (either developed & EM)? Not to make this a political post, but how are we going to service 16 Trillion dollars in federal debt? When rates rise, will the face value of outstanding treasuri...
by Cruncher
Tue Sep 25, 2012 4:21 am
Forum: Investing - Theory, News & General
Topic: I will stay the course and stay safe
Replies: 49
Views: 3301

Re: I will stay the course and stay safe

Where am I going with this, dunno. It's late, don't post much on this forum, but here goes: I-95 has killed more people than the war in Vietnam. I grew up in S Fl, and remember all the drivers' ed classes. Miss Fl a little. When you are away for long periods of time, when you return, the smell is ve...
by Cruncher
Mon Sep 24, 2012 1:46 pm
Forum: Investing - Theory, News & General
Topic: Schwab slashes ETF fees
Replies: 84
Views: 10259

Re: Schwab slashes ETF fees

My wife's 401k is with schwab, but doesn't allow for investments outside of the selected mutual funds...oh but WAIT! I logged in and poked around, and saw this PCRA option, which seems like it's similar to an "add-on" brokerage account to the 401k. I had read their literature on it in the...
by Cruncher
Thu Aug 30, 2012 1:39 am
Forum: Investing - Theory, News & General
Topic: Case against Index funds
Replies: 50
Views: 5789

Re: Case against Index funds

Sorry is this has been mentioned:

...are the cons of index funds


It's boring.

It just keeps climbing, getting your fair share.

-C
by Cruncher
Wed Aug 29, 2012 2:41 am
Forum: Investing - Theory, News & General
Topic: Large Value tilt?
Replies: 90
Views: 7555

Re: Large Value tilt?

Taylor,

Very true. There are few ex-Marines. Once a Marine, Always a Marine.

Mel,

Semper Fi to you my brother!

Cruncher
by Cruncher
Tue Aug 28, 2012 2:37 am
Forum: Investing - Theory, News & General
Topic: Large Value tilt?
Replies: 90
Views: 7555

Re: Large Value tilt?

William, I agree. My bride is a bit older than me, not by much (couple months), but I still remind her on occasion :mrgreen: . If I knew my time was up, yea I'd convert it all. But if I go in a giant ball of flames, well guidance is there too. As a former Marine, we had a little saying, no matter ho...
by Cruncher
Mon Aug 27, 2012 11:23 am
Forum: Investing - Theory, News & General
Topic: Large Value tilt?
Replies: 90
Views: 7555

Re: Large Value tilt?

... Particularly when my wife isn't nearly as interested in keeping up with things as I'd like. In my wife's 401k, I have her in 1 fund, Vanguard Tgt Dated Retirement Fund (TDRF). In our rIRAs & my 401k, I have 12 funds / ETFs (LB, LV, MB, MV, SB, SV, REIT, LG/Med Intl B, EM, ISV, ISB, TIPS &am...
by Cruncher
Fri Aug 24, 2012 2:06 pm
Forum: Investing - Theory, News & General
Topic: Large Value tilt?
Replies: 90
Views: 7555

Re: Large Value tilt?

Oops, sorry Taylor! Didn't mean to put words into your mouth :D

Have a great day.
by Cruncher
Fri Aug 24, 2012 12:40 pm
Forum: Investing - Theory, News & General
Topic: Large Value tilt?
Replies: 90
Views: 7555

Re: Large Value tilt?

Brian, I set up my current portfolio allocations based on research I did years ago, prolly close to my join date on this forum. But during my annual Investment Policy Statement review this year, I asked myself why I was splitting up my LC into LCB & LCV (seeing as this topic was not talked about...
by Cruncher
Thu Aug 23, 2012 10:14 am
Forum: Investing - Theory, News & General
Topic: Large Value tilt?
Replies: 90
Views: 7555

Re: Large Value tilt?

Thanks folks, this is the dialogue I was looking for. Big picture: SCHV is part of my LC allocation, so it does not take away from another asset class, nor is overlap an issue (if I decided to remove my "LCV Asset Class", SCHV would be completely replaced with VIIIX anyway). Interesting ho...
by Cruncher
Thu Aug 23, 2012 12:35 am
Forum: Investing - Theory, News & General
Topic: Large Value tilt?
Replies: 90
Views: 7555

Large Value tilt?

Bogleheads, What are your thoughts on tilting large cap? Currently my two Domestic LC funds I have VIIIX (S&P 500 index; er 0.02%) & SCHV (DJ Large Cap Value Total Stock Market; er 0.13%). Essentially, everything I've ever read regarding value tilting relates to small caps. Does anyone do th...
by Cruncher
Tue Aug 21, 2012 11:41 pm
Forum: Investing - Theory, News & General
Topic: Pillar of Wisdom #7 - reversion to the mean
Replies: 33
Views: 3646

Re: Pillar of Wisdom #7 - reversion to the mean

Two things: 1) RODC, agree completely. Rodc wrote: No one has really demonstrated you can time in even one direction. No data whatsoever as far as I know. The problem is that "Markets can stay irrational longer than you can stay solvent". I think the key is not so much in timing markets, b...
by Cruncher
Tue Aug 21, 2012 3:19 pm
Forum: Investing - Help with Personal Investments
Topic: At what age did you start investing?
Replies: 87
Views: 10027

Re: At what age did you start investing?

Started as a young Captain in the Marine Corps, mid-late 90s. Saved a nice 6-figure sum in the S&P500. Of course, the "lost decade" was my fault :oops: because I was shoveling money in. As busy as Marines were (are), I didn't have much time to really study investing, nor was I taught a...
by Cruncher
Tue Aug 21, 2012 2:49 pm
Forum: Investing - Help with Personal Investments
Topic: Financial consultant really bothered me
Replies: 34
Views: 4210

Re: Financial consultant really bothered me

Stayingthecourse: The older I get the more contrarian I become. I am starting to realize if everyone goes one way the correct answer is going the opposite. I said this exact thing not too long ago to some friends! Just this morning, the financial news was Warren Buffett was bailing on Munis. Of cour...
by Cruncher
Tue Aug 21, 2012 2:23 pm
Forum: Investing - Theory, News & General
Topic: Post your AA
Replies: 135
Views: 17673

Re: Post your AA

41 yo. Live in US. Big picture: 75% equities, 15% fixed income, 10% REIT focused equities Closer look: 45% US, 30% foreign, 10% Total bond, 5% TIPS, REIT is split with a tilt towards US REITs. Asset class Target AA Actual % D Lg Mkt 7% 6.94% VIIIX D Lg Value 8% 7.84% SCHV & VTV D Med Mkt 7% 6.99...
by Cruncher
Fri May 25, 2012 10:55 am
Forum: Investing - Theory, News & General
Topic: Vanguard High-Yield Corporate Fund closes to new investors
Replies: 59
Views: 6784

Re: Vanguard High-Yield Corporate Fund closes to new investo

Additionally, with all the cash flowing into HY, I started to feel like the lemurs were running with me. I'm not a market timer, but their crowding had me thinking I may be doing something wrong. Hence picking up Swensen's book. Let's hope when BHs become more and more popular, I don't mistake their...
by Cruncher
Fri May 25, 2012 10:45 am
Forum: Investing - Theory, News & General
Topic: Vanguard High-Yield Corporate Fund closes to new investors
Replies: 59
Views: 6784

Re: Vanguard High-Yield Corporate Fund closes to new investo

SGM, SGM wrote: Remind me again why this is a bad fund to hold. Yeah the dividends are taxed like ordinary income. Was that the only problem with it? Since its inception it has gone up 7-8% per annum. I thought of it as an annuity without the complete loss of principle. I've had this fund for years,...
by Cruncher
Wed May 23, 2012 9:03 pm
Forum: Investing - Theory, News & General
Topic: TIPS and interest rates
Replies: 10
Views: 1267

Re: TIPS and interest rates

#Cruncher, thank you. Signed Cruncher

PS just wanted to do that. Thanks to both, still learning.
by Cruncher
Wed May 23, 2012 12:51 pm
Forum: Investing - Theory, News & General
Topic: TIPS and interest rates
Replies: 10
Views: 1267

TIPS and interest rates

Hello all, My question is, I am leaning to moving my "Junk" allocation into a "TIPS" allocation (I know a huge switch - middle of reading David Swensen's Unconventional Success ... I'm glad I got this book, it is very good). I've read a lot about TIPS, but one thing I can't seem ...
by Cruncher
Mon Apr 23, 2012 11:46 am
Forum: Personal Finance (Not Investing)
Topic: Home Solar: Owning vs. Leasing
Replies: 42
Views: 3517

Re: Home Solar: Owning vs. Leasing

This is great information. Thanks to all for your responses.

More information to research is always great!

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