Search found 128 matches

by Hogan773
Thu Jun 22, 2017 9:17 pm
Forum: Investing - Help with Personal Investments
Topic: Is VG Total Stock Market Index too concentrated?
Replies: 51
Views: 3332

Re: Is VG Total Stock Market Index too concentrated?

The hatred for individual stocks is strong. Now people are hating the index funds holding a "high" percentage of certain stocks. Isn't the reality that the index fund will shuffle these stocks as performance of each goes up or down? Losers are replaced with winners. First world complaint?...
by Hogan773
Thu Jun 22, 2017 4:14 pm
Forum: Investing - Help with Personal Investments
Topic: Is VG Total Stock Market Index too concentrated?
Replies: 51
Views: 3332

Re: Is VG Total Stock Market Index too concentrated?

...and freaking FACEBOOK are the "economic engines" of this country, doesn't make me feel great about it. Let's just put it this way, I probably would never go out and just buy tens of thousands of dollars of Facebook stock. If you did this at FB IPO you'd be sitting pretty happy right no...
by Hogan773
Thu Jun 22, 2017 4:01 pm
Forum: Investing - Help with Personal Investments
Topic: Is VG Total Stock Market Index too concentrated?
Replies: 51
Views: 3332

Re: Is VG Total Stock Market Index too concentrated?

You're still pretty well diversified so I wouldn't worry too much. But, you're right. By buying TSM or S&P 500 you're directly investing more in large cap stocks, and also in tech & financials. It seems arbitrary to say that large cap stocks will perform better, and that tech & financia...
by Hogan773
Thu Jun 22, 2017 3:37 pm
Forum: Investing - Help with Personal Investments
Topic: Is VG Total Stock Market Index too concentrated?
Replies: 51
Views: 3332

Re: Is VG Total Stock Market Index too concentrated?

yeah guys like I said "I get it" that indexing is indexing....not suggesting that I am trying to pick stocks. And I do diversify...by having 25-30% bonds in my portfolio, and within my stock allocation I have 20% international stocks. I also tilt with some mid-cap and small-cap index holdi...
by Hogan773
Thu Jun 22, 2017 2:57 pm
Forum: Investing - Help with Personal Investments
Topic: Is VG Total Stock Market Index too concentrated?
Replies: 51
Views: 3332

Is VG Total Stock Market Index too concentrated?

I have been making some major shifts today to sell stocks in my tax deferred accounts and replace with bonds, and replace bonds with stocks at the same time in my taxable account As I am rebuying the stocks and just having another look to compare Total Stock Market Index vs a few other stock holding...
by Hogan773
Wed Jun 21, 2017 1:37 pm
Forum: Investing - Help with Personal Investments
Topic: Bond Funds To Use in Taxable Portfolio
Replies: 28
Views: 2885

Re: Bond Funds To Use in Taxable Portfolio

How should I think about the choice between a Stable Value Fund and the Vanguard Total Bond Market Index fund? Both are 0.03% expense ratio Returns are as follows: 1 yr: Stable 2.07% vs VG 1.49% 3yr: Stable 2.10% vs VG 2.49% 5yr: Stable 2.19% vs VG 2.16% The plan information about the Stable Value F...
by Hogan773
Wed Jun 21, 2017 10:11 am
Forum: Investing - Help with Personal Investments
Topic: Bond Funds To Use in Taxable Portfolio
Replies: 28
Views: 2885

Re: Bond Funds To Use in Taxable Portfolio

I re-read the Boglehead Wiki on tax placement, and it is not at all simple to understand. One thing that it mentions is because short bonds have such low yields, the income tax impact of having them in taxable isn't even that big a deal. The idea is that *if* short bonds are going to be part of you...
by Hogan773
Tue Jun 20, 2017 3:28 pm
Forum: Investing - Help with Personal Investments
Topic: Bond Funds To Use in Taxable Portfolio
Replies: 28
Views: 2885

Re: Bond Funds To Use in Taxable Portfolio

I re-read the Boglehead Wiki on tax placement, and it is not at all simple to understand. One thing that it mentions is because short bonds have such low yields, the income tax impact of having them in taxable isn't even that big a deal. The idea is that *if* short bonds are going to be part of you...
by Hogan773
Tue Jun 20, 2017 2:14 pm
Forum: Investing - Help with Personal Investments
Topic: Bond Funds To Use in Taxable Portfolio
Replies: 28
Views: 2885

Re: Bond Funds To Use in Taxable Portfolio

Maybe I should actually hold all my bond exposure in those accounts, and thus put stock exposure in the 401K and pension for now as those can be rolled into an IRA? Sounds good to me. I will face capital gains in the bond positions that I am selling in the taxable. Sounds like a hypothetical. Have ...
by Hogan773
Tue Jun 20, 2017 2:08 pm
Forum: Investing - Help with Personal Investments
Topic: Bond Funds To Use in Taxable Portfolio
Replies: 28
Views: 2885

Re: Bond Funds To Use in Taxable Portfolio

Next, about 50% of my overall "tax deferred" money is in some non-401K accounts that have grown over time. They are basically deferred comp accounts. I see these as different than a pension account and 401K account as I cannot roll them over. So at retirement or separation from my employe...
by Hogan773
Tue Jun 20, 2017 11:26 am
Forum: Investing - Help with Personal Investments
Topic: Bond Funds To Use in Taxable Portfolio
Replies: 28
Views: 2885

Re: Bond Funds To Use in Taxable Portfolio

If all of my bonds are in 401K and everything in taxable is stocks, then if stocks fall and I want to buy more stocks, where do I do it? Buy some stocks in my 401K with some of my bond money? There would be no extra money in my taxable account to move into stocks. That's what I would do and it is a...
by Hogan773
Tue Jun 20, 2017 10:55 am
Forum: Investing - Help with Personal Investments
Topic: Bond Funds To Use in Taxable Portfolio
Replies: 28
Views: 2885

Re: Bond Funds To Use in Taxable Portfolio

I think some others just repeat the mantra assuming "you don't want to get taxed on the monthly distributions from a bond fund, ergo you must put all bond funds in a tax deferred account" and it never rang true to me, since I can earn monthly returns from muni funds that are not taxed. Ho...
by Hogan773
Fri Jun 16, 2017 11:34 am
Forum: Investing - Help with Personal Investments
Topic: Bond Funds To Use in Taxable Portfolio
Replies: 28
Views: 2885

Re: Bond Funds To Use in Taxable Portfolio

If your 401(k) and IRA are 30% of your assets, why on earth do you need to have any bond funds in your taxable account? If I am in the top tax bracket and the muni funds income distribution yield is higher than the regular bond funds on a tax-adjusted basis then why is it so bad to have some bonds ...
by Hogan773
Fri Jun 16, 2017 10:12 am
Forum: Investing - Help with Personal Investments
Topic: Bond Funds To Use in Taxable Portfolio
Replies: 28
Views: 2885

Re: Bond Funds To Use in Taxable Portfolio

If your 401(k) and IRA are 30% of your assets, why on earth do you need to have any bond funds in your taxable account? If I am in the top tax bracket and the muni funds income distribution yield is higher than the regular bond funds on a tax-adjusted basis then why is it so bad to have some bonds ...
by Hogan773
Thu Jun 15, 2017 12:18 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard High-Yield Corporate Fund Investor Shares VWEHX
Replies: 47
Views: 3559

Re: Vanguard High-Yield Corporate Fund Investor Shares VWEHX

Hi All My mother is interested in Vanguard High-Yield Corporate Fund Investor Shares VWEHX. She wanted me to ask the forum members for their thoughts regarding the viability of this fund. Best Wishes, Hef Saf It's a good fund of its kind. It is somewhere in between bond funds and stock funds in ter...
by Hogan773
Thu Jun 15, 2017 12:03 pm
Forum: Investing - Help with Personal Investments
Topic: Opening 529's for my kids. Am I missing anything?
Replies: 12
Views: 1705

Re: Opening 529's for my kids. Am I missing anything?

You don't need to have 4 separate accounts. There is a lot of flex to transfer between accounts later, or create new accounts later, or retitle an account from one child to another. If you are paying any significant cost on a PER ACCOUNT basis (like periodic maintenance fees) then I would consider n...
by Hogan773
Thu Jun 15, 2017 11:57 am
Forum: Investing - Help with Personal Investments
Topic: Disability Ins- Resident physician
Replies: 5
Views: 463

Re: Disability Ins- Resident physician

I would talk with someone who knows these policies. There are a few people who advertise over on White Coat Investor. We used one, LK, who was knowledgeable and helpful. Maybe you will get lucky here and someone will know. I found that it was much harder to shop for physicians disability insurance f...
by Hogan773
Fri Jun 09, 2017 11:06 am
Forum: Investing - Help with Personal Investments
Topic: How Much for 529 Plan
Replies: 39
Views: 3783

Re: How Much for 529 Plan

Hogan773, Are you going to adjust your AA based on the changes at Bright Start? I have an account (no children yet) with, what looks like, a similar AA as you. The new funds look like a good change. Thoughts? Not sure - haven't looked closely. It does appear that they are going to offer a new capab...
by Hogan773
Fri Jun 09, 2017 11:00 am
Forum: Investing - Help with Personal Investments
Topic: Vanguard Total Internaational [VXUS] & All World ex-US [VEU]: Twins separated at birth?
Replies: 14
Views: 926

Re: Vanguard Total Internaational [VXUS] & All World ex-US [VEU]: Twins separated at birth?

Agree with posters above. I suspect that one of the prime reasons for keeping it, rather than mere inertia, is that it is darn convenient for tax loss harvesting in a taxable account. Don't know if that is their reason but I agree - keep them both around - I like having "different" funds ...
by Hogan773
Thu Jun 08, 2017 4:07 pm
Forum: Investing - Help with Personal Investments
Topic: Buy car in cash ... or invest / lease
Replies: 26
Views: 2249

Re: Buy car in cash ... or invest / lease

Hogan773 has good advice ..... we purchased the last day of the month (as dealers get incentives from manufacturer based on volume, so are generally more motivated at the end of the month/quarter) ... started two days earlier with 10 dealers via internet only (no in person no telephone conversation...
by Hogan773
Thu Jun 08, 2017 9:13 am
Forum: Investing - Help with Personal Investments
Topic: Buy car in cash ... or invest / lease
Replies: 26
Views: 2249

Re: Buy car in cash ... or invest / lease

Thank you all There's s dealership nearby I may pop in for a chat / test drive. Again, no need for the car til December so I'd rather "shop" with no pressure. Thanks again! (How are they in snow? I went from Audi to Jeep Grand Cherokee ... I hope I'm not taking my AWD for granted) Good id...
by Hogan773
Thu Jun 08, 2017 8:50 am
Forum: Investing - Help with Personal Investments
Topic: How Much for 529 Plan
Replies: 39
Views: 3783

Re: How Much for 529 Plan

Gamma Ray wrote:What is the AA for the younger kids' fund?


Both of them are on 100% Equity Index right now. (12yr old and 9yr old)
by Hogan773
Wed Jun 07, 2017 2:28 pm
Forum: Investing - Theory, News & General
Topic: [News about changes to the Illinois 529 plan]
Replies: 5
Views: 859

Re: A Letter From the Illinois State Treasurer

I was happy to see this email. Illinois' fund expenses were already low-ish to begin with (for the Index options at least) but lower is better, I always say! I see they changed away from Oppenheimer too. That is a good move and will make some people happy who remember when Oppenheimer screwed the po...
by Hogan773
Wed Jun 07, 2017 2:09 pm
Forum: Investing - Help with Personal Investments
Topic: How Much for 529 Plan
Replies: 39
Views: 3783

Re: How Much for 529 Plan

As a follow up here, I ended up creating a second account for Child #2. It is conveniently shown all together with my original account on the website. I will fund that #2 account now going forward. To answer some of the other issues discussed here, in my 529 at least, I verified that I can move mone...
by Hogan773
Wed Jun 07, 2017 1:58 pm
Forum: Investing - Help with Personal Investments
Topic: Buy car in cash ... or invest / lease
Replies: 26
Views: 2249

Re: Buy car in cash ... or invest / lease

wondering if they'd lower the price if I offered to pay in full ... never really considered doing this, but now in a position to do so (helps being over the whole "luxury car" thing) again, I have til December was just trying to get the boglehead consensus. thinking larger down payment / ...
by Hogan773
Tue Jun 06, 2017 11:43 am
Forum: Investing - Help with Personal Investments
Topic: P2P Lending - Anyone try it?
Replies: 91
Views: 9337

Re: P2P Lending - Anyone try it?

I'm not scared that I am going to LOSE all the money, although I guess that could theoretically be possible if we are really just holding claims to Lending Club. However that would mean that Lending Club would have to have some level of fraud or huge amount of hidden debt that is senior to our clai...
by Hogan773
Mon Jun 05, 2017 12:23 pm
Forum: Investing - Help with Personal Investments
Topic: P2P Lending - Anyone try it?
Replies: 91
Views: 9337

Re: P2P Lending - Anyone try it?

I have been in LC for 3 years. The current IRR for my actual portfolio as shown on the site is around 8.25% Where do you see the IRR on the site? I have not been able to find it. My bad - it is not listed as IRR. I went to the site and it is very prominent on the front page when you log into your a...
by Hogan773
Mon Jun 05, 2017 11:27 am
Forum: Investing - Help with Personal Investments
Topic: TLH or not? [Tax Loss Harvesting]
Replies: 15
Views: 909

Re: TLH or not?

Let me clarify, I have $100,000 in G & L that I've realized. Far more gains and some losses that are still to be harvested if & when appropriate. Hope this helps. I'm glad you brought up YTD performance. I'm somewhat embarrassed to admit that I haven't checked until now. Only knew in the mo...
by Hogan773
Mon Jun 05, 2017 11:19 am
Forum: Investing - Help with Personal Investments
Topic: P2P Lending - Anyone try it?
Replies: 91
Views: 9337

Re: P2P Lending - Anyone try it?

I continue to sell off my tiny LC account. I'm invested opposite everyone I've ever seen. Mostly A loans with some B and more C. No write offs, 1 late payment over 2 years, well over 10% return. I note guys like MMM do much riskier notes and then are surprised with all the write offs. I've kept tra...
by Hogan773
Mon Jun 05, 2017 10:58 am
Forum: Investing - Help with Personal Investments
Topic: P2P Lending - Anyone try it?
Replies: 91
Views: 9337

Re: P2P Lending - Anyone try it?

I have been in LC for 3 years. The current IRR for my actual portfolio as shown on the site is around 8.25% Where do you see the IRR on the site? I have not been able to find it. My bad - it is not listed as IRR. I went to the site and it is very prominent on the front page when you log into your a...
by Hogan773
Fri Jun 02, 2017 12:20 pm
Forum: Investing - Help with Personal Investments
Topic: P2P Lending - Anyone try it?
Replies: 91
Views: 9337

Re: P2P Lending - Anyone try it?

Resurrecting - I have been in LC for 3 years. The current IRR for my actual portfolio as shown on the site is around 8.25% Agree that interest income is taxable at marginal rates. I have found the tax reporting to be quite simple re: capital losses....they provide a total for each of the capital gai...
by Hogan773
Fri Jun 02, 2017 11:18 am
Forum: Investing - Help with Personal Investments
Topic: Timing the market? :Bonds in rising interest rate environment
Replies: 22
Views: 2087

Re: Timing the market? :Bonds in rising interest rate environment

I only know that everybody is talking about a rising rate market...as they've done for the last 10 years. Haha indeed! I have been "positioned" for rising rates for many years now, hunkering down in very short term stuff like Short Term Tax Exempt and Limited Term Tax Exempt. Yes we got a...
by Hogan773
Tue May 30, 2017 4:42 pm
Forum: Investing - Help with Personal Investments
Topic: Hello - I am new member
Replies: 5
Views: 463

Re: Hello - I am new member

Congrats - the time and knowledge and confidence you will gain will pay huge dividends for you. You will be able to do this yourself and not pay "experts" to do the same thing for you (and they often do a poor job as they have conflicted incentives)
by Hogan773
Tue May 30, 2017 4:20 pm
Forum: Investing - Help with Personal Investments
Topic: Diversifying Beyond Stocks
Replies: 16
Views: 1146

Re: Diversifying Beyond Stocks

Yeah like many of the others above, I don't feel that the amounts you are talking about rise to the level where you should be itching to get into "other" stuff like crowdfunding and angel investing. In fact, I'm not sure whether there even is a point where one "SHOULD" get into t...
by Hogan773
Thu May 25, 2017 9:43 am
Forum: Personal Consumer Issues
Topic: Should I drink or sell my Pappy 12 year?
Replies: 65
Views: 6664

Re: Should I drink or sell my Pappy 12 year?

I'm surprised to see so many people voting to drink rather than sell. We must have a lot of bourbon fans here! These things always come down to how much you personally value it. If I am not a bourbon drinker at all and I know I could make a couple grand by selling it and buying myself something that...
by Hogan773
Thu May 25, 2017 8:47 am
Forum: Investing - Help with Personal Investments
Topic: Hit 2M Net worth - Wanted to pass my gratitude to all wonderful people in this forum
Replies: 37
Views: 9352

Re: Hit 2M Net worth - Wanted to pass my gratitude to all wonderful people in this forum

njay73--- I didn't see your age? Just curious. But definitely congratulations regardless of it! Thank you, I am 47. Great job! I'm making you my new role model. My new goal is $2M by 47. I don't usually have problems letting people know how much I have. People usually have a problem with me being b...
by Hogan773
Mon May 22, 2017 4:59 pm
Forum: Investing - Help with Personal Investments
Topic: How Much for 529 Plan
Replies: 39
Views: 3783

Re: How Much for 529 Plan

Again as I understand it, you'd probably be better off doing successive accounts just because that way you can minimize the penalty if you end up overfunded. Ok but if there is full flex then can't you create accounts and move the money to them? Is there anything that says you cannot create an acco...
by Hogan773
Mon May 22, 2017 4:57 pm
Forum: Investing - Help with Personal Investments
Topic: How Much for 529 Plan
Replies: 39
Views: 3783

Re: How Much for 529 Plan

Keep in mind this. The maximum aggregate account balance per Designated Beneficiary is $400,000 and, once such maximum is reached, no further Contributions for the benefit of the same Designated Beneficiary will be allowed, although the Account balance may continue to increase due to appreciation o...
by Hogan773
Fri May 19, 2017 5:55 pm
Forum: Investing - Help with Personal Investments
Topic: How Much for 529 Plan
Replies: 39
Views: 3783

Re: How Much for 529 Plan

Also...by any chance might I have the ability to slice up my current 300K into two more accounts right now? (I saw something in another Boglehead about how it is "easy to transfer between kids accounts") Yes. Just create two new accounts for the other siblings with the same custodian. You...
by Hogan773
Fri May 19, 2017 5:41 pm
Forum: Investing - Help with Personal Investments
Topic: Why buy travel insurance when some credit cards offer it for free
Replies: 8
Views: 1227

Re: Why buy travel insurance when some credit cards offer it for free

Don't buy that junky Trip Cancellation insurance from the airlines (Allianz)

We had a family member buy it and actually try to use it, and it was a living h-e-double-L trying to actually get any blood out of that turnip.
by Hogan773
Fri May 19, 2017 3:16 pm
Forum: Investing - Help with Personal Investments
Topic: How Much for 529 Plan
Replies: 39
Views: 3783

Re: How Much for 529 Plan

Also...by any chance might I have the ability to slice up my current 300K into two more accounts right now? (I saw something in another Boglehead about how it is "easy to transfer between kids accounts")
by Hogan773
Fri May 19, 2017 2:45 pm
Forum: Investing - Help with Personal Investments
Topic: How Much for 529 Plan
Replies: 39
Views: 3783

Re: How Much for 529 Plan

Is your tax deduction per beneficiary? If so you are missing out on additional deductions. For example, in Ohio I get a $2k tax deduction per beneficiary. We have three accounts for each kid so we get a $6k deduction. If I were to open an account with my and/or my husband as beneficiary that would ...
by Hogan773
Wed May 17, 2017 5:14 pm
Forum: Investing - Help with Personal Investments
Topic: How Much for 529 Plan
Replies: 39
Views: 3783

Re: How Much for 529 Plan

do you have enough for your retirement? if you're not concerned about retirement, i'd say make sure to get the state tax deduction while you're earning income. The money in a 529 can always be taken out with penalties, but you can save a lot on the tax protected space over time. The post-tax portio...
by Hogan773
Wed May 17, 2017 4:57 pm
Forum: Investing - Help with Personal Investments
Topic: How Much for 529 Plan
Replies: 39
Views: 3783

How Much for 529 Plan

I have 3 kids and a single 529 Plan in the name of my oldest child. I've been donating 20K per year to this plan which is the maximum where I can get a tax benefit in my state. The account now has > 300K in it, in the 100% equity option. My kids are 12, 9 and 6. Shall I keep contributing the 20K eve...
by Hogan773
Mon May 15, 2017 10:59 am
Forum: Investing - Help with Personal Investments
Topic: Various Tax Exempt Funds....
Replies: 10
Views: 1716

Re: Various Tax Exempt Funds....

Very helpful Dratkinson, thanks. Reality is I am fortunate enough to have plenty of fundage plus a working wife so yes, I can't really see many likely scenarios where I could not "survive" a 15% downturn in my muni funds. So probably what I am truly dealing with here is this market-timey m...
by Hogan773
Fri May 12, 2017 1:20 pm
Forum: Investing - Help with Personal Investments
Topic: Various Tax Exempt Funds....
Replies: 10
Views: 1716

Re: Various Tax Exempt Funds....

If you are in the highest fed tax bracket, then you don't need to worry about AMT exposure because your marginal tax rate is already higher than its 28%. So your TT is correct, you don't have to worry about the AMT. :) If you want more yield, can reduce allocation to TE mmkt and Ltd-term, eliminate...
by Hogan773
Fri May 12, 2017 1:03 pm
Forum: Investing - Help with Personal Investments
Topic: Buying vacation home
Replies: 29
Views: 3495

Re: Buying vacation home

Great thread as I have always wondered about this! First off....if OP "Hawaiishrimp" lives in Hawaii....how can you need a vacation home!???!???!???! Haha we often dream about retiring there or at least spending a month or two there in retirement I've always thought it would be fun to have...
by Hogan773
Thu May 11, 2017 12:30 pm
Forum: Investing - Help with Personal Investments
Topic: Various Tax Exempt Funds....
Replies: 10
Views: 1716

Re: Various Tax Exempt Funds....

I had a tax exempt scheme similar to yours at one point. Then I finally came around to the logic that a blended portfolio like the one you have listed is practically no different than either simply holding short term or limited term tax exempt by itself. Good luck! I can see that, but I have alread...
by Hogan773
Thu May 11, 2017 12:25 pm
Forum: Investing - Help with Personal Investments
Topic: Various Tax Exempt Funds....
Replies: 10
Views: 1716

Re: Various Tax Exempt Funds....

Let me start out by asking about why you have tax-exempt bonds in the first place? Are your tax-advantaged accounts full of bonds and you've had to start buying bonds in your taxable account? If so, disregard my advice to buy more taxable (higher-yielding) bonds in your tax-advantaged accounts firs...
by Hogan773
Wed May 10, 2017 1:36 pm
Forum: Investing - Help with Personal Investments
Topic: Young professional planning for early semi-retirement
Replies: 34
Views: 4116

Re: Young professional planning for early semi-retirement

I like the other post that basically said you should focus on doing your best in your career and in general live below your current means so you can save something. Succeeding in your career will have the benefits of likely increasing your salary and human capital over time, and will also hopefully...

Go to advanced search