Search found 246 matches

by Longtermgrowth
Tue May 23, 2017 11:38 pm
Forum: Investing - Help with Personal Investments
Topic: Do you keep extra money available for investing
Replies: 37
Views: 3098

Re: Do you keep extra money available for investing

You know, that's what your bond allocation is for. Bonds were UP about half a percent on last week's dump, so you made more than cash before you exchanged into equities and watched those equities POP. And then you rebalanced back into bonds on Friday. I've been wondering what the ideal bond ETF wou...
by Longtermgrowth
Tue May 23, 2017 9:40 pm
Forum: Investing - Help with Personal Investments
Topic: A gem Livesoft uncovered
Replies: 60
Views: 9432

Re: A Gem from Livesoft

It is this chart that made me realize I need to get to 50% stocks at some point in the not too distant future :sharebeer
by Longtermgrowth
Tue May 23, 2017 8:13 pm
Forum: Investing - Theory, News & General
Topic: SEC Rejects Winklevoss Bitcoin ETF
Replies: 61
Views: 5677

Re: SEC Rejects Winklevoss Bitcoin ETF

When I saw "Bitcoin Flying As ETF Gets Second Shot" on etf.com, I thought about this thread and figured I would post the link here :happy

http://www.etf.com/sections/features-and-news/bitcoin-flying-etf-gets-second-shot
by Longtermgrowth
Sun May 21, 2017 11:33 pm
Forum: Investing - Theory, News & General
Topic: The Case for Dividend Stocks in Retirement (article)
Replies: 92
Views: 9552

Re: The Case for Dividend Stocks in Retirement (article)

Longtermgrowth: Thank you! This forum is pretty special & it's hard to stay away from. Yes, I was invested in VHDYX then Larry Swedroe convinced me into switching into TSM. Then after sleeping on it for awhile I switched back into VHDYX. I like both funds! But for my purposes I think VHDYX is a...
by Longtermgrowth
Sun May 21, 2017 10:48 pm
Forum: Investing - Help with Personal Investments
Topic: Safe 5 percent ROI
Replies: 22
Views: 3446

Re: Safe 5 percent ROI

Depending on age, a single premium immediate annuity could pay over 5 percent, but part of that would be a return of principal, since the principal is no longer accessible for the remainder of ones life.
by Longtermgrowth
Sat May 20, 2017 12:26 am
Forum: Investing - Help with Personal Investments
Topic: Why ETF settlement happens on T+3?
Replies: 22
Views: 1705

Re: Why ETF settlement happens on T+3?

If you have a margin account it's allowed (with sufficient credit available). Makes me wonder if I should have signed up for a margin account. What if I hold a bond and stock ETF, see stocks drop, and want to rebalance that day by selling the bond ETF to buy more stock ETF? An ACH transfer from ext...
by Longtermgrowth
Fri May 19, 2017 9:47 pm
Forum: Investing - Theory, News & General
Topic: The Case for Dividend Stocks in Retirement (article)
Replies: 92
Views: 9552

Re: The Case for Dividend Stocks in Retirement (article)

My choice is Vanguard High Dividend Yield fund (VHDYX). It pay's approx. 3% dividends & compares very closely to the TSM & S & P 500. Thought exercise: if the yield is the end-all, which fund would you recommend to someone and why: Vanguard High Dividend Yield (VHDYX), SEC yield 3.05% V...
by Longtermgrowth
Thu May 18, 2017 12:54 am
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 3511
Views: 905957

Re: U.S. stocks in freefall

Looking at the gains since November 2016, today's decline doesn't seem like much. I suppose volatility being so low lately makes this decline more of a talking point. If the selloff continues at around the same rate through next week, then we really have something to talk about. :beer
by Longtermgrowth
Sat May 13, 2017 2:46 pm
Forum: Investing - Help with Personal Investments
Topic: Need help on choosing Dividend Index Fund
Replies: 9
Views: 1026

Re: Need help on choosing Dividend Index Fund

Surprised VIG (Vanguard Dividend Appreciation ETF) hasn't been mentioned. If a current dividend yield close to the S&P 500 is acceptable, it might fit the bill: http://www.etf.com/VIG I like SCHD (Schwab US Dividend Equity ETF), with it's quality screens making it comparable to VIG, but with mor...
by Longtermgrowth
Tue May 09, 2017 8:53 pm
Forum: Personal Consumer Issues
Topic: 18" vs 20" Tires
Replies: 39
Views: 2110

Re: 18" vs 20" Tires

If the suspension between the two is exactly the same, the 18" wheels should ride a bit smoother. With it being an SUV, I can't imagine 20" wheels doing anything for it performance wise. Also, usually the larger the wheels, the more expensive the tires are when it comes time to replace. A ...
by Longtermgrowth
Mon May 08, 2017 11:38 pm
Forum: Investing - Help with Personal Investments
Topic: Robinhood ETF Purchase
Replies: 8
Views: 1059

Re: Robinhood ETF Purchase

Thanks so much for the replys! I did go and check it out and they are listed as Robinhood Financial, LLC on the finra and sipc sites! The only other app I have used is Schwabs and its okay but I really like the touch screen charts of the robinhood app where you can see prices as you slide your fing...
by Longtermgrowth
Sat May 06, 2017 1:45 am
Forum: Investing - Theory, News & General
Topic: Increasing correlation between US and international equities
Replies: 66
Views: 4210

Re: Increasing correlation between US and international equities

Could always overweight or even go 100% small caps for international allocation, since their returns should be tied to their local economy more than large caps. Vanguard has a great fund for implementing such an idea: VSS (Vanguard FTSE All-World Ex-US Small Cap ETF). I think there's a good number ...
by Longtermgrowth
Thu May 04, 2017 1:34 am
Forum: Investing - Theory, News & General
Topic: Increasing correlation between US and international equities
Replies: 66
Views: 4210

Re: Increasing correlation between US and international equities

it seems to me that it isn't including the rising impact of large, multinational corporations that exist (and have significant impact) in many countries? Could always overweight or even go 100% small caps for international allocation, since their returns should be tied to their local economy more t...
by Longtermgrowth
Mon May 01, 2017 10:49 pm
Forum: Investing - Theory, News & General
Topic: Best source for investment news?
Replies: 52
Views: 4155

Re: Best source for investment news?

I like some of the random videos and links throughout the day from yahoo finance. If you sign in on that page, you can make one or more watchlist of any tickers you want. I have two watchlists, one for domestic tickers and one for international tickers I keep an eye on. I will also watch nightly bus...
by Longtermgrowth
Sun Apr 30, 2017 1:07 am
Forum: Personal Finance (Not Investing)
Topic: Bank of America/Merrill Edge - Preferred Rewards
Replies: 311
Views: 51866

Re: Bank of America/Merrill Edge - Preferred Rewards

SVT wrote:Which checking account is everyone opening? The Core checking or the Interest checking? Does either qualify for this program?


I went with the interest checking. Just using it to pay an occasional bill to keep it active, though I'm not sure what their definition of active is.
by Longtermgrowth
Fri Apr 28, 2017 1:42 am
Forum: Investing - Theory, News & General
Topic: DEMSX vs VSS [DFA Emerg. Mkts Small Cap vs. Vanguard FTSE All-World ex-US]
Replies: 20
Views: 1460

Re: DEMSX vs VSS

I use DWUSX because I understand the advantageS of using a fund that holds both Developed + Emergent. There are advantages and disadvantages to this depending on where the fund is placed. If the fund is in tax advantaged, I see the advantages of simplicity. If in taxable, I see the chance of tax lo...
by Longtermgrowth
Fri Apr 28, 2017 1:21 am
Forum: Investing - Help with Personal Investments
Topic: Does Portfolio Size Influence Stock/Bond Allocation?
Replies: 43
Views: 4218

Re: Does Portfolio Size Influence Stock/Bond Allocation?

Thanks. I posted primarily because I just started thinking about the relevance of portfolio size vs asset allocation. I had another person who is likely weathly and also knowledgeable about finance once tell me that she is heavy into preferred stock because if she earned 6-7% with relative safety, ...
by Longtermgrowth
Thu Apr 27, 2017 2:34 pm
Forum: Investing - Theory, News & General
Topic: "ETFs Are 'Weapons of Mass Destruction'"
Replies: 37
Views: 4344

Re: "ETFs Are 'Weapons of Mass Destruction'"

I think of the popular total market indexed ETFs as weapons of mass destruction to all the sales persons attempting to mask themselves as "financial advisors"; who are only out to make as much as possible off unsuspecting customers, even if their pitches may not fit into any type of suitab...
by Longtermgrowth
Mon Apr 24, 2017 9:21 pm
Forum: Personal Finance (Not Investing)
Topic: Did you file your taxes with Credit Karma?
Replies: 14
Views: 1252

Re: Did you file your taxes with Credit Karma?

I tried it thinking that because I was below the limit for Form 1116, it should claim the foreign tax credit without Form 1116. It had a place to enter foreign taxes paid, had individual country selections, but no selection for "RIC" or even "Various". It was impossible to claim ...
by Longtermgrowth
Sun Apr 23, 2017 3:49 pm
Forum: Investing - Theory, News & General
Topic: Location of SPIAs, which account?
Replies: 54
Views: 2739

Re: Location of SPIAs, which account?

This discussion has made me rethink how I may go about purchasing an SPIA in my retirement many years from now. I like the idea of not having to worry about RMDs. As you age and sadly have to deal with potential mental issues, there's a definite benefit in that. That being said, I very much doubt t...
by Longtermgrowth
Sun Apr 23, 2017 3:22 pm
Forum: Investing - Theory, News & General
Topic: Location of SPIAs, which account?
Replies: 54
Views: 2739

Re: Location of SPIAs, which account?

This discussion has made me rethink how I may go about purchasing an SPIA in my retirement many years from now. I like the idea of not having to worry about RMDs.
by Longtermgrowth
Sun Apr 23, 2017 2:46 pm
Forum: Investing - Theory, News & General
Topic: Larry Portfolio Equities: What % Each Market?
Replies: 50
Views: 3740

Re: Larry Portfolio Equities: What % Each Market?

There are two issues: 1. How to divide the equity portion of the portfolio? If using Vanguard mutual funds you'd be roughly 50% VBR, 37.5% VSS and 12.5% VWO - it's not perfect but close enough. Are you accounting for VSS already having Emerging Market Small Caps at market cap weighting? I've been t...
by Longtermgrowth
Fri Apr 21, 2017 12:41 am
Forum: Investing - Theory, News & General
Topic: Larry Swedroe says "Goodbye."
Replies: 336
Views: 36640

Re: Larry Swedroe says "Goodby."

Thank you for giving back through countless hours of posting a treasure trove of information here on Bogleheads. Your posts here will be greatly missed.

Wishing you a happy, healthy upcoming retirement :sharebeer
by Longtermgrowth
Tue Apr 18, 2017 8:47 am
Forum: Personal Finance (Not Investing)
Topic: Form 1116: multiple funds added complexity?
Replies: 9
Views: 717

Re: Form 1116: multiple funds added complexity?

I wonder if anyone on this forum has limited their taxable international equity percentage, going as far as to incur capital gains when international outperforms, just to stay below the level where Form 1116 would come into play. Besides a larger tax bill, without enough tax advantaged space to add ...
by Longtermgrowth
Mon Apr 17, 2017 3:18 pm
Forum: Investing - Help with Personal Investments
Topic: international small cap value fund
Replies: 31
Views: 3623

Re: Ticker symbols

So last I looked, DLS was only a little more small and a little more valuey than VSS, such that it didn't seem worth it to me to take on the higher ER. But I would be interested if other people had different thoughts on the subject. I've noticed the same thing looking at the two on the Morningstar ...
by Longtermgrowth
Mon Apr 17, 2017 12:42 am
Forum: Investing - Theory, News & General
Topic: Larry Swedroe : Integrated Investment Plan
Replies: 35
Views: 6640

Re: Larry Swedroe : Integrated Investment Plan

Thank you for keeping us updated on the articles from Mr. Swedroe, Random Walker :sharebeer Someone should apologize to him privately and invite him back. I'm not up on who did what. I'm not sure who should apologize either, as there have been a number of posters over time that have crossed the lin...
by Longtermgrowth
Mon Apr 17, 2017 12:28 am
Forum: Investing - Help with Personal Investments
Topic: international small cap value fund
Replies: 31
Views: 3623

Re: international small cap value fund

Bumping this. Any new players in this field? I am looking to make the move in tax deferred and considering GWX vs SCHC vs FNDC Also want some EM - considering EWX If going by what Paul Merriman recommends for international small/small value, it's still a split between VSS (Vanguard FTSE All-World e...
by Longtermgrowth
Sun Apr 16, 2017 11:38 pm
Forum: Investing - Theory, News & General
Topic: Larry Swedroe : Integrated Investment Plan
Replies: 35
Views: 6640

Re: Larry Swedroe : Integrated Investment Plan

Thank you for keeping us updated on the articles from Mr. Swedroe, Random Walker :sharebeer
by Longtermgrowth
Sun Apr 16, 2017 11:27 pm
Forum: Personal Consumer Issues
Topic: Home Insurance Premium - How to decrease.
Replies: 41
Views: 3813

Re: Home Insurance Premium - How to decrease.

Might be worth going through a quote with another insurance company to come up with replacement cost amount, then go over same information again with current insurer stating other quotes. Over the last number of years (5), I have gotten a number of quotes, and all of them come out to the same replac...
by Longtermgrowth
Sun Apr 16, 2017 7:57 pm
Forum: Personal Finance (Not Investing)
Topic: Form 1116: multiple funds added complexity?
Replies: 9
Views: 717

Re: Form 1116: multiple funds added complexity?

Thanks! I did search before asking and wasn't coming up with what I wanted. So 100% for VXUS and only 85.46684% for VSS in 2016, interesting. If VXUS stays at 100% in the future, that would make things easy on those that don't tilt. Now I'm going to attempt to find this information on some Wisdomtre...
by Longtermgrowth
Sun Apr 16, 2017 2:22 pm
Forum: Personal Finance (Not Investing)
Topic: Form 1116: multiple funds added complexity?
Replies: 9
Views: 717

Re: Form 1116: multiple funds added complexity?

Thanks everyone. Does anyone know the percentage foreign source income for Vanguard Total International Stock ETF (VXUS) in 2016 or where it's listed on their website? I'd like to compare it to funds like VSS (Vanguard FTSE All-World ex-US Small-Cap ETF). Both VSS and VXUS seem like they should be a...
by Longtermgrowth
Thu Apr 13, 2017 11:39 pm
Forum: Investing - Theory, News & General
Topic: Larry Swedroe on Understanding Different Types of Risk
Replies: 45
Views: 5047

Re: Larry Swedroe on Understanding Different Types of Risk

Thanks for posting this. I hope Larry returns as well. I can't blame the man for leaving. The same forum members would continually argue with him over and over again in his threads almost as if they derived pleasure from it. Indeed. Some responses to his very informative threads seemed to border on...
by Longtermgrowth
Thu Apr 13, 2017 9:36 pm
Forum: Investing - Theory, News & General
Topic: Larry Swedroe on Understanding Different Types of Risk
Replies: 45
Views: 5047

Re: Larry Swedroe on Understanding Different Types of Risk

I hope not, but he made it sound like he didn't want to bother any more in this post: https://www.bogleheads.org/forum/viewtopic.php?p=3318239#p3320125 That topic (and another related one) got quite heated, and I think he may have felt like he was being attacked, and his integrity was being questio...
by Longtermgrowth
Thu Apr 13, 2017 9:08 pm
Forum: Personal Finance (Not Investing)
Topic: Form 1116: multiple funds added complexity?
Replies: 9
Views: 717

Form 1116: multiple funds added complexity?

Question for those that slice international stocks into multiple funds in taxable: Has it caused much of a headache with form 1116? I've read posts that the IRS wants to know the percentage of foreign income from the funds, and that funds one would think to have 100% foreign sourced income may not b...
by Longtermgrowth
Thu Apr 13, 2017 8:33 pm
Forum: Investing - Theory, News & General
Topic: Larry Swedroe on Understanding Different Types of Risk
Replies: 45
Views: 5047

Re: Larry Swedroe on Understanding Different Types of Risk

jhfenton wrote:
Jiu Jitsu Fighter wrote:Good article as usual from Larry. Unfortunately, we won't be having a Q&A session with him on it.

:-(



Another good article for sure. Larry Swedroe didn't retire from Bogleheads, did he?
by Longtermgrowth
Thu Apr 13, 2017 7:57 pm
Forum: Investing - Theory, News & General
Topic: NBC News: First Pot-Focused Fund Lets Americans Legally Invest In Hot Biz
Replies: 13
Views: 1783

Re: NBC News: First Pot-Focused Fund Lets Americans Legally Invest In Hot Biz

Question is, will owning the kind of stocks in the top holdings of HMMJ give Canadians huge gains? Or will the tobacco companies of Canada end up taking over growing?/packaging/distribution and end up being the most profitable investment? Am I the only one that thinks the big tobacco companies will ...
by Longtermgrowth
Sun Apr 09, 2017 11:13 am
Forum: Investing - Theory, News & General
Topic: Which Larry Portfolio variation would you choose?
Replies: 30
Views: 3014

Re: Which Larry Portfolio variation would you choose?

Looking on Morningstar, I've noticed that Vanguard Consumer Staples Index (VCSAX) has a Price/Book of 4.19 compared to the Vanguard S&P 500 Index at 2.73. I'm curious if Consumer Staples have historically carried a premium similar to this? Or is part of this from yield chasing due to so many yea...
by Longtermgrowth
Thu Apr 06, 2017 1:20 pm
Forum: Investing - Help with Personal Investments
Topic: How Do I Factor-Diversify for Cheap?
Replies: 8
Views: 749

Re: How Do I Factor-Diversify for Cheap?

I personally have rejected this because I don't think my tolerance to tracking error regret is high enough. I chose to go with total market as the core with tilts to small and value This does seem like a serious concern, particularly if you are investing for a couple where your partner may not be Q...
by Longtermgrowth
Wed Apr 05, 2017 8:52 pm
Forum: Investing - Help with Personal Investments
Topic: How Do I Factor-Diversify for Cheap?
Replies: 8
Views: 749

Re: How Do I Factor-Diversify for Cheap?

I think this post from Theoretical should be a general reference for everyone interested in factor investing: https://www.bogleheads.org/forum/viewtopic.php?f=10&t=215597&newpost=3314384#p3312731 Be sure to read further down for some more very informative posts in that thread :)
by Longtermgrowth
Wed Apr 05, 2017 11:41 am
Forum: Personal Finance (Not Investing)
Topic: Foreign Tax Credit in Virginia
Replies: 6
Views: 530

Re: Foreign Tax Credit in Virginia

I have just been told that the Foreign Tax Credit is not available in Virginia on dividend income. TurboTax includes it on the Virginia tax return, but the state of Virginia has disallowed it. Has anybody else run into this? I don't see how any tax software could include it in a state return; unles...
by Longtermgrowth
Tue Apr 04, 2017 3:37 pm
Forum: Personal Finance (Not Investing)
Topic: Got my second comma -- what is this anticlimactic feeling?
Replies: 55
Views: 6702

Re: Got my second comma -- what is this anticlimactic feeling?

So with our paychecks last Friday, we crossed over $1mm in cash and investments. Why does it feel so anticlimactic? My first thought was: because it's not 1973 when 1mm had the purchasing power of over 5mm today. Dang inflation :annoyed https://www.bls.gov/data/inflation_calculator.htm
by Longtermgrowth
Tue Apr 04, 2017 1:42 pm
Forum: Investing - Help with Personal Investments
Topic: Annuities the answer for correctly timing transition to retirement?
Replies: 89
Views: 4109

Re: Annuities the answer for correctly timing transition to retirement?

Let's say you're extremely aggressive, and have 100% VTSAX (Total Stock Market) when you retire. VTSAX is currently yielding around 2% in dividends. Should you do absolutely nothing except cash the dividends, you will be receiving around $120,000 without selling any shares. This exceeds your $100,0...
by Longtermgrowth
Tue Apr 04, 2017 11:53 am
Forum: Investing - Help with Personal Investments
Topic: Annuities the answer for correctly timing transition to retirement?
Replies: 89
Views: 4109

Re: Annuities the answer for correctly timing transition to retirement?

If I buy an annuity around that age, I want it to pay for life (SPIA); ideally with some kind of inflation rider. If that type of rider costs what it does now, I'm guessing it won't be worth adding. Hopefully the rest of my portfolio covers any remaining expenses at around a 2% withdrawal rate. Ques...
by Longtermgrowth
Mon Apr 03, 2017 4:31 pm
Forum: Investing - Help with Personal Investments
Topic: Merriman Expense Ratios: .65% and .58% too high?
Replies: 23
Views: 2089

Re: Merriman Expense Ratios: .65% and .58% too high?

It looked interesting @Longtermgrowth but I have no familiarity with the poster and am not comfortable relying on that for an asset allocation for my retirement. I figure Paul Merriman is well known, well vetted and worth the extra complexity to execute. Mike At least the higher cost funds are spli...
by Longtermgrowth
Sun Apr 02, 2017 3:50 pm
Forum: Investing - Help with Personal Investments
Topic: Merriman Expense Ratios: .65% and .58% too high?
Replies: 23
Views: 2089

Re: Merriman Expense Ratios: .65% and .58% too high?

Funny you mention VTIAX. I am sad about its terrible performance. I guess I drank the kool aide from Vanguard Advisors and Paul Merriman that it's the right thing to do :-) Mike MikeT, what did you think of the thread jayhawkerbeef referenced? ( https://www.bogleheads.org/forum/viewtopic.php?f=10&a...
by Longtermgrowth
Fri Mar 31, 2017 3:42 pm
Forum: Investing - Help with Personal Investments
Topic: Currently have $700,000 at 26 years old get $100,000 a year
Replies: 80
Views: 11127

Re: Currently have $700,000 at 26 years old get $100,000 a year

I would rather have stocks and bonds split in taxable. If not in a high enough tax bracket for municipal bonds to make sense (isn't it a 28% or higher tax bracket that muni bonds are usually recommended?), maybe a higher percentage of treasuries (especially if in a state that has income taxes, since...
by Longtermgrowth
Sat Mar 25, 2017 1:45 pm
Forum: Investing - Help with Personal Investments
Topic: Diversification & International Exposure - Fund Selection Assistance
Replies: 12
Views: 739

Re: Diversification & International Exposure - Fund Selection Assistance

Can't go wrong with a Total International fund that is commission free at your brokerage. VXUS (Vanguard Total International Stock ETF) holds small caps and emerging markets at their market cap weighting already, so no need to add other international funds unless you want to overweight small caps an...
by Longtermgrowth
Wed Mar 22, 2017 2:59 am
Forum: Personal Consumer Issues
Topic: Do you purposely spend with companies in your investment portfolio?
Replies: 42
Views: 2418

Re: Do you purposely spend with companies in your investment portfolio?

Maybe if I actually bought a large number of shares in various companies, that I could hold for as long as I wanted, with the exact amount invested in them that I wanted (I wouldn't do this because I'm just not willing to put in the work and worry of maintaining a large amount of money in individual...
by Longtermgrowth
Tue Mar 21, 2017 1:21 pm
Forum: Investing - Theory, News & General
Topic: Schwab vs Vanguard vs Fidelity - ER fees
Replies: 18
Views: 2066

Re: Schwab vs Vanguard vs Fidelity - ER fees

If it were a taxable account and I had to go with index funds over ETFs, I would want the Vanguard index funds since they benefit from the ETF share class, making them more tax efficient. This is a good point. Similarly, for an ETF buyer of assets that are expensive to trade such as small cap, emer...
by Longtermgrowth
Tue Mar 21, 2017 12:54 pm
Forum: Investing - Theory, News & General
Topic: Schwab vs Vanguard vs Fidelity - ER fees
Replies: 18
Views: 2066

Re: Schwab vs Vanguard vs Fidelity - ER fees

If it were a taxable account and I had to go with index funds over ETFs, I would want the Vanguard index funds since they benefit from the ETF share class, making them more tax efficient. Another thing to look at is securities lending revenue and what percentage of it is paid back into the fund. Som...

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