Search found 100 matches

by JimmyJammy
Sat Aug 12, 2017 1:47 pm
Forum: Investing - Theory, News & General
Topic: What Percentage CASH are you?
Replies: 90
Views: 6101

Re: What Percentage CASH are you?

Most of my "cash" is in the Vanguard Prime Money Market Fund - A SEC yield of 1.1% isn't terrible right? Someone in this thread mentioned the Vanguard Short-Term Treasury Fund - I think that's yielding 1.24%. So I guess that's a better option for me without much extra risk? The problem with CDs is t...
by JimmyJammy
Fri Aug 11, 2017 12:43 pm
Forum: Investing - Theory, News & General
Topic: What Percentage CASH are you?
Replies: 90
Views: 6101

Re: What Percentage CASH are you?

Are Vanguard's brokered CDs worth checking out?

And, if they're not competitive, then why do they even bother selling them?
by JimmyJammy
Thu Aug 10, 2017 11:43 am
Forum: Investing - Theory, News & General
Topic: What Percentage CASH are you?
Replies: 90
Views: 6101

What Percentage CASH are you?

I'm curious what percentage of assets people hold in cash? Also, if you didn't haven it in cash, where would you put it? Personally, I'm 12% Cash right now. Maybe this is dumb, especially with the dollar falling. Feel free to let me know. But, I do like the feeling of having some "dry powder" especi...
by JimmyJammy
Wed Aug 09, 2017 4:11 pm
Forum: Investing - Theory, News & General
Topic: Alternatives to the Vanguard Total International Fund?
Replies: 33
Views: 3345

Re: Alternatives to the Vanguard Total International Fund?

Thanks for the recs. Wow - sounds like you have a larger international exposure than most.

Yes, if you don't mind, I'd like to know about some passive (ETF) options that are interesting Vanguard alternatives.
by JimmyJammy
Wed Aug 09, 2017 3:45 pm
Forum: Investing - Theory, News & General
Topic: Alternatives to the Vanguard Total International Fund?
Replies: 33
Views: 3345

Re: Alternatives to the Vanguard Total International Fund?

Thanks for all the advice and food for thought. Hopefully, this thread will be helpful to others as well. I think you've convinced me to put a little more faith into the index funds over these (albeit wonderfully managed) mutual funds. Fortunately, most of my managed funds are in my 401K so making c...
by JimmyJammy
Wed Aug 09, 2017 3:26 pm
Forum: Investing - Theory, News & General
Topic: Factor crowding
Replies: 19
Views: 1451

Re: Factor crowding

But what about backtesting a mutual fund manager's performance? I think there's some merit there. If a mutual fund manager has done well for 15+ years and the fund has vastly outperformed the index, then a lot of funds look like a good bet to me. For example, I've owned a few T.Rowe Price funds (exp...
by JimmyJammy
Wed Aug 09, 2017 3:16 pm
Forum: Investing - Theory, News & General
Topic: Good article about having the "RIGHT" asset allocation
Replies: 27
Views: 3427

Re: Good article about having the "RIGHT" asset allocation

I wish I had listened to folks on this board who encouraged me lump sum invest my money, back in 2012/2013. Instead, feeling scared, I dribbled in a bit at a time. Oh well. But, now, I still have money on the sidelines. 12% in cash. And the dollar's been dropping. Maybe I should do what that WSJ art...
by JimmyJammy
Wed Aug 09, 2017 3:01 pm
Forum: Investing - Help with Personal Investments
Topic: Did I mess up? Transferred some of bro's trust money into his Roth IRA
Replies: 4
Views: 786

Re: Did I mess up? Transferred some of bro's trust money into his Roth IRA

Sorry, I meant to come back here sooner.

The trust is its own taxpayer.

Yes, he does have earned income of at least $5500.

Yes, the K-1 is kind of pointless IF there are no distributions.

But that's my question - have my $5500 transfers into his Roth IRA been distributions?
by JimmyJammy
Sun Jul 30, 2017 4:01 pm
Forum: Investing - Theory, News & General
Topic: Alternatives to the Vanguard Total International Fund?
Replies: 33
Views: 3345

Re: Alternatives to the Vanguard Total International Fund?

I'm got the performance data off of Yahoo.com/finance. I'm guessing they don't include dividends. But maybe it does?

But do you know of a performance tracker that does include dividend reinvestment? Morningstar?
by JimmyJammy
Sun Jul 30, 2017 3:53 pm
Forum: Personal Finance (Not Investing)
Topic: How to calculate your retirement number
Replies: 95
Views: 8757

Re: How to calculate your retirement number

Check out OnTrajectory.com

They make it easy to plot out all of this.

No, I don't work for them. Just a happy customer.
by JimmyJammy
Sun Jul 30, 2017 3:47 pm
Forum: Investing - Help with Personal Investments
Topic: Should i diversify from Vanguard?
Replies: 25
Views: 1939

Re: Should i diversify from Vanguard?

Consider T. Rowe Price. I've been using them for my 401K money for 11-12 years. Great managers, great performance. Funds I hold: PRGTX - global tech PRHSX - health PRWCX (this is a blended fund - includes bonds - which has not beat a pure stock index) I know it's been a bull market, but the bull has...
by JimmyJammy
Sun Jul 30, 2017 3:42 pm
Forum: Investing - Theory, News & General
Topic: Alternatives to the Vanguard Total International Fund?
Replies: 33
Views: 3345

Re: Alternatives to the Vanguard Total International Fund?

You're right. I am chasing performance. And I guess this butts up against the Boglehead philosophy. But, 10 years from now, when I see that certain managed mutual funds that specialize in international stocks have continued to trounce VXUS as they have these past 10 years don't you think I'm going t...
by JimmyJammy
Sun Jul 30, 2017 3:31 pm
Forum: Investing - Help with Personal Investments
Topic: Did I mess up? Transferred some of bro's trust money into his Roth IRA
Replies: 4
Views: 786

Did I mess up? Transferred some of bro's trust money into his Roth IRA

Hi, Something just occurred to me while looking over my brother's investments, which I manage at Vanguard. We (my sister and I) set up a trust for him a few years back, so he wouldn't spend the money (a gift from granny) willy nilly (the reasons are a different story). And I manage that at Vanguard....
by JimmyJammy
Wed Jul 26, 2017 11:32 am
Forum: Investing - Theory, News & General
Topic: VNQ allocation [Vanguard REIT Index]
Replies: 20
Views: 1351

Re: VNQ allocation

I wonder how much VNQ will be affected once the Fed raises rates more aggressively. But they're certainly in no rush.
by JimmyJammy
Tue Jul 25, 2017 10:51 pm
Forum: Investing - Theory, News & General
Topic: International bond fund foreign tax?
Replies: 7
Views: 441

Re: International bond fund foreign tax?

I dunno.

But I'm curious - do you get these taxes even if you hold these bonds in a tax-protected account like a Roth IRA?
by JimmyJammy
Tue Jul 25, 2017 10:51 pm
Forum: Investing - Theory, News & General
Topic: International bond fund foreign tax?
Replies: 7
Views: 441

Re: International bond fund foreign tax?

I dunno.

But I'm curious - do you get these taxes even if you hold these bonds in a tax-protected account like a Roth IRA?
by JimmyJammy
Mon Jul 24, 2017 11:37 pm
Forum: Investing - Theory, News & General
Topic: Alternatives to the Vanguard Total International Fund?
Replies: 33
Views: 3345

Alternatives to the Vanguard Total International Fund?

Hi, Does anyone have any recommendations for an International equity mutual fund that could be a core international holding? Is there anything at Vanguard that's an alternative to Total International? My other brokerage is TD Ameritrade. I'd just to like to consider other options. Can I say that I'v...
by JimmyJammy
Mon Jan 23, 2017 5:07 pm
Forum: Investing - Theory, News & General
Topic: Managed fund alternative to Total International?
Replies: 7
Views: 598

Re: Managed fund alternative to Total International?

This Morning star article is exactly what you are looking for, the 2016 nominees for best international stock fund. m Looks like the only fund of the 3 not closed to new investors is OAKIX. From the comments, others recommend FMIJX. Many commenters recommend this one. 5 star Morningstar. Silver rat...
by JimmyJammy
Mon Jan 23, 2017 1:39 pm
Forum: Investing - Theory, News & General
Topic: Managed fund alternative to Total International?
Replies: 7
Views: 598

Managed fund alternative to Total International?

I know most managers can't beat an index, as the Bogleheads often point out, but there are some talented managers out there who helm reasonably-priced, high-performing funds. For my international exposure, I can't say that VXUS (Total International) excites me that much. I'd like to consider some in...
by JimmyJammy
Sun Jan 22, 2017 1:55 pm
Forum: Investing - Theory, News & General
Topic: Help with Retirement Projection Assumptions
Replies: 35
Views: 3794

Re: Help with Retirement Projection Assumptions

Sorry I missed your response. Two things: Right, now, I'm assuming my taxes go from 25% Marginal to 28% Marginal upon retirement. I'm working on a process to move all my 401K/IRA to Roth in my late 50's and early 60's, so by 70 when I take SS, I don't have to worry about the tax on a portion of my ...
by JimmyJammy
Mon Jan 16, 2017 2:18 pm
Forum: Investing - Theory, News & General
Topic: Google finance performance comparison tool
Replies: 29
Views: 5437

Re: Google finance performance comparison tool

This site seems to give pretty accurate calculations (at least for VTSMX): http://low-risk-investing.com/

Make sure you're on the page called "Low Risk Investments Discovery Tool".
by JimmyJammy
Mon Jan 16, 2017 2:11 pm
Forum: Investing - Theory, News & General
Topic: Help with Retirement Projection Assumptions
Replies: 35
Views: 3794

Re: Help with Retirement Projection Assumptions

I've been using http://www.OnTrajectory.com for these kinds of calculations. You can get pretty detailed with the data you input. There are some problems/confusions I have with the tool and so I've been sending in some questions. They're very quick to respond!
by JimmyJammy
Fri Jan 06, 2017 10:17 am
Forum: Investing - Help with Personal Investments
Topic: Should I participate in 401K even if it's American Funds & no Match
Replies: 24
Views: 1974

Re: Should I participate in 401K even if it's American Funds & no Match

There aren't many options. No value fund, which is odd.

But I decided to go with a growth fund and sign up.

Thanks for all your advice!

I'm not going to max out the 401k but with my Roth IRA (yes maybe I'll add an HSA) I will be saving almost 15% of my income for retirement this year.
by JimmyJammy
Thu Jan 05, 2017 3:58 pm
Forum: Investing - Help with Personal Investments
Topic: Should I participate in 401K even if it's American Funds & no Match
Replies: 24
Views: 1974

Re: Should I participate in 401K even if it's American Funds & no Match

I guess, because there's no load, American figures they can jack up the expense ratios of these 401k versions versus retail? For example, these are the Growth Investment funds for the R2 class: American Funds AMCAP RAFBX ER: 1.44% Load: None American Funds Growth Fund of America RGABX ER: 1.4% Load:...
by JimmyJammy
Thu Jan 05, 2017 1:30 pm
Forum: Investing - Help with Personal Investments
Topic: Should I participate in 401K even if it's American Funds & no Match
Replies: 24
Views: 1974

Re: Should I participate in 401K even if it's American Funds & no Match

At least the 401K American Funds (mine are designated R2) are NO LOAD funds. For years, American funds were 6% loads on top of being under-performers. I think I can afford to put away $4800 a year into 401k, on top of the $5500 to Roth IRA. Not exactly maxing it out, but better than nothing. I just ...
by JimmyJammy
Thu Jan 05, 2017 12:00 pm
Forum: Investing - Help with Personal Investments
Topic: Should I participate in 401K even if it's American Funds & no Match
Replies: 24
Views: 1974

Should I participate in 401K even if it's American Funds & no Match

I probably won't be at more current job more than 2 more years (but the future is uncertain; it could be longer). They just offered me a 401K but it's through American Funds. The expense ratios average around 1.4% and the past performances aren't that impressive. Plus, the employer will NOT match co...
by JimmyJammy
Wed Jan 04, 2017 4:52 pm
Forum: Investing - Theory, News & General
Topic: Bernstein on Bonds...wow
Replies: 31
Views: 4815

Re: Bernstein on Bonds...wow

Does Vanguard have good CD deals?

I do love the convenience of keeping everything in one brokerage.
by JimmyJammy
Mon Jan 02, 2017 1:30 pm
Forum: Investing - Theory, News & General
Topic: This is a good weekend to start tracking your net worth.
Replies: 69
Views: 6116

Re: This is a good weekend to start tracking your net worth.

A lot of brokerages have free software now that tabulates your net worth by culling together your various accounts. I know Merrill Edge has it and T. Rowe Price does... but I'm not sure if Vanguard does.
by JimmyJammy
Mon Jan 02, 2017 1:24 pm
Forum: Investing - Theory, News & General
Topic: Are International Markets overdue for great gains?
Replies: 43
Views: 3850

Re: Are International Markets overdue for great gains?

Yes - my thoughts exactly when i read the subject headline. Saying an asset class is "due" or "overdue" sounds a lot like the gambler's fallacy: https://en.wikipedia.org/wiki/Gambler's_fallacy I also think it's somewhat absurd to lump so many different countries, with their diver...
by JimmyJammy
Mon Jan 02, 2017 1:15 pm
Forum: Investing - Theory, News & General
Topic: Do you include your Muni Bonds in your overall AA?
Replies: 18
Views: 2084

Re: Do you include your Muni Bonds in your overall AA?

Most of my bonds are municipal bonds (NY Long Term and Intermediate Term Tax Exempt) and they've done *horribly* this year, compared to Total Bond (BND), International Bond (BNDX) and High Yield Bonds. Since most of my funds are in a taxable account, I thought the tax exempt status of munis would be...
by JimmyJammy
Sat Dec 17, 2016 4:23 pm
Forum: Investing - Theory, News & General
Topic: Investing in the current market?
Replies: 26
Views: 3298

Re: Investing in the current market?

Keep a percentage of assets in cash or short-term bonds. Like 10-15%. Then, you will *feel* like you're doing something smart and positive when you invest that money after a big DIP. For the rest, just follow the usual asset allocation advice.
by JimmyJammy
Sat Dec 17, 2016 11:37 am
Forum: Investing - Theory, News & General
Topic: Bonds Can Be More Dangerous Than Stocks??
Replies: 31
Views: 4034

Bonds Can Be More Dangerous Than Stocks??

This Morningstar article offered a sobering perspective: http://news.morningstar.com/articlenet/article.aspx?id=785224 Check out the chart of real annualized returns of stocks and bonds from the 1870s and onwards. Maybe they aren't as much of a "safe haven" as you would think? "Not on...
by JimmyJammy
Mon Dec 05, 2016 12:35 pm
Forum: Investing - Help with Personal Investments
Topic: Bonds, Munis, I bonds, oh my! Need advice for bonds in taxable account.
Replies: 22
Views: 3600

Re: Bonds, Munis, I bonds, oh my! Need advice for bonds in taxable account.

Both my Intermediate-Term Tax Exempt Fund and my New York Long-Term Tax-Exempt fund have performed rather horribly.

And I fear that as interest rates rise, I'm in for either more pain.

Does anyone advise changing anything (with regards to munis and bonds in general) at this point?
by JimmyJammy
Sun Dec 04, 2016 7:10 pm
Forum: Investing - Theory, News & General
Topic: I'm Calling an Emerging Markets Bottom
Replies: 250
Views: 41433

Re: I'm Calling an Emerging Markets Bottom

The original poster's 'bottom call" is looking pretty good (for the year anyway).
by JimmyJammy
Mon Jan 18, 2016 11:59 pm
Forum: Investing - Theory, News & General
Topic: It sure looks like a good time to invest in oil
Replies: 111
Views: 15513

Re: It sure looks like a good time to invest in oil

Just follow Buffet and buy PSX!
by JimmyJammy
Thu Nov 12, 2015 8:19 am
Forum: Investing - Help with Personal Investments
Topic: Bonds, Munis, I bonds, oh my! Need advice for bonds in taxable account.
Replies: 22
Views: 3600

Re: Bonds, Munis, I bonds, oh my! Need advice for bonds in taxable account.

I have half my tax-advantaged bonds in New York Long Term. Should I be worried?

And I have half of bonds in intermediate tax exempt. I'm not as worried about that.
by JimmyJammy
Tue Nov 10, 2015 7:33 pm
Forum: Investing - Help with Personal Investments
Topic: Evaluating My Year Dabbling with Motley Fool
Replies: 33
Views: 6752

Re: Evaluating My Year Dabbling with Motley Fool

OP, could you do another study of the numbers and see what your results would be if you followed all the recommendations they did? I am curious if you followed their recommendations to the T, how the results look. Also, I assume you did not sell any of the purchases (if as per the other poster said...
by JimmyJammy
Sat Nov 07, 2015 3:27 pm
Forum: Investing - Help with Personal Investments
Topic: Evaluating My Year Dabbling with Motley Fool
Replies: 33
Views: 6752

Re: Evaluating My Year Dabbling with Motley Fool

Thanks for all your perspectives and advice to keep a cool head thus far. Regarding T Rowe Price, I'm actually going to post on that topic in a different thread. I would love to hear what the criticism is regarding them because over an 8 year period my TRP funds have trounced my Vanguard indexes by ...
by JimmyJammy
Sat Nov 07, 2015 2:47 pm
Forum: Investing - Help with Personal Investments
Topic: Evaluating My Year Dabbling with Motley Fool
Replies: 33
Views: 6752

Evaluating My Year Dabbling with Motley Fool

I like to keep an open mind and consider new options. But when I try new options, I think it's important to be diligent about evaluating how things went and looking at things squarely in the face. Although the vast majority of my assets are with Vanguard and T Rowe Price mutual funds, earlier this y...
by JimmyJammy
Sat Oct 31, 2015 3:00 pm
Forum: Investing - Theory, News & General
Topic: Tax-loss harvesting and switching to cash for 30 days
Replies: 30
Views: 3142

Re: Tax-loss harvesting and switching to cash for 30 days

I needed some clarification on TLH benefits. If I have, say, $1000 in DIVIDENDS paid to me during the year, selling a stock that is down by $1000 will not offset that dividend gain right? So I will still be taxed 15% of that $1000 or $150. Right? But if I had sold a stock for a $1000 gain and sold a...
by JimmyJammy
Wed Aug 26, 2015 12:22 pm
Forum: Investing - Theory, News & General
Topic: VWO seems cheap right now
Replies: 183
Views: 31798

Re: VWO seems cheap right now

Thanks for the tip about IEMG!
by JimmyJammy
Tue Aug 25, 2015 1:43 pm
Forum: Investing - Theory, News & General
Topic: VWO seems cheap right now
Replies: 183
Views: 31798

Re: VWO seems cheap right now

Trouble is EEM has such a higher expense ratio than VWO.

Doesn't seem like Vanguard has another equivalent of VWO.

For example, it's very nice that for a total international allocation, Vanguard offers both VXUS and VEU.
by JimmyJammy
Tue Aug 25, 2015 1:07 pm
Forum: Investing - Theory, News & General
Topic: VWO seems cheap right now
Replies: 183
Views: 31798

Re: VWO seems cheap right now

Has this year tested anyone's faith in VWO as a worthy portfolio component? For me, tax loss harvesting VWO will nicely zero out my capital gain for the year. The question is what to immediately do with that money. I could go into a basic equivalent like EEM. Or I could give up on overweighting emer...
by JimmyJammy
Mon Aug 03, 2015 10:32 am
Forum: Investing - Help with Personal Investments
Topic: Should I move all my Long Term NY Munis into Intermediate Term?
Replies: 12
Views: 1389

Re: Should I move all my Long Term NY Munis into Intermediate Term?

Indeed, that's concerning that I live in a "death spiral" state (New York). And I will have to look into any unique TLH rules for munis. But, as someone pointed out above, Long Term is meant for the long term...
by JimmyJammy
Mon Aug 03, 2015 10:10 am
Forum: Investing - Theory, News & General
Topic: Ready to Give Up on Emerging Market Stocks?
Replies: 47
Views: 6267

Re: Ready to Give Up on Emerging Market Stocks?

I'm sure I'm not the only one who will be selling VWO at the end of the year to tax loss harvest.

The question will then be what do -- invest immediately in an equivalent?

(Of course we still have a lot of year to go, but it's not looking good)
by JimmyJammy
Sat Aug 01, 2015 12:05 am
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 3822
Views: 1001796

Re: U.S. stocks in freefall

What kind of % correction are you looking for, to back up the truck?

10%? that'd put the S&P around 1890
15%? that'd put the S&P around 1785
20%? 1680
by JimmyJammy
Fri Jul 31, 2015 11:25 pm
Forum: Investing - Help with Personal Investments
Topic: Should I move all my Long Term NY Munis into Intermediate Term?
Replies: 12
Views: 1389

Should I move all my Long Term NY Munis into Intermediate Term?

In my taxable account, most of my bonds are proportioned equally towards Vanguards NY Intermediate Tax Exempt Bond Fund and Vanguard's NY Long Term Tax Exempt Bond Fund. Given that the longer term fund will be more sensitive to an interest rate increase (right?) should I sell off some or all of that...
by JimmyJammy
Thu Jul 30, 2015 9:44 am
Forum: Personal Finance (Not Investing)
Topic: Divorce [financial implications]
Replies: 72
Views: 8487

Re: Divorce

Maybe I should have looked more carefully at the fine print of the marriage contract before going through with it. I have a friend who's a judge who does divorce cases and he much prefers that the couples work out the percentage split themselves because his determination feels arbitrary in contrast....