Search found 581 matches

by MotoTrojan
Fri Aug 18, 2017 9:15 am
Forum: Investing - Help with Personal Investments
Topic: TLH between VTSAX and SCHB
Replies: 13
Views: 740

Re: TLH between VTSAX and SCHB

Just do an exchange to VLACX (VG Large Cap) after the market closes, and be done with it. Maybe you'll get a chance to harvest back to your preferred TSM someday, but longterm these funds are too close to bother with all the ETF conversion trouble. What is the difficulty in processing to an ETF ? D...
by MotoTrojan
Fri Aug 18, 2017 12:14 am
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 3790
Views: 988903

Re: U.S. stocks in freefall

JBTX wrote:
Fri Aug 18, 2017 12:04 am

Nikkei investors have been waiting for this to happen almost 20 years..... 8-)
Didn't even need to say it myself :) Thanks!
by MotoTrojan
Fri Aug 18, 2017 12:13 am
Forum: Investing - Help with Personal Investments
Topic: TLH between VTSAX and SCHB
Replies: 13
Views: 740

Re: TLH between VTSAX and SCHB

Just do an exchange to VLACX (VG Large Cap) after the market closes, and be done with it. Maybe you'll get a chance to harvest back to your preferred TSM someday, but longterm these funds are too close to bother with all the ETF conversion trouble.
by MotoTrojan
Thu Aug 17, 2017 11:03 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 3790
Views: 988903

Re: U.S. stocks in freefall

You mean early in the accumulation phase? :mrgreen: Deep in the phase you have a lot of money you really don't want to lose. What's this talk about losing money? I was 100% equities for several decades and, despite two huge "crashes," I never lost a dime. :confused Not true; we buy our portfolios e...
by MotoTrojan
Thu Aug 17, 2017 11:00 pm
Forum: Investing - Help with Personal Investments
Topic: Has anybody used Gemini for investing in Ethereum?
Replies: 1
Views: 215

Re: Has anybody used Gemini for investing in Ethereum?

Hello, I am considering investing 1k in Ethereum through Gemini ( https://gemini.com/ ). Has any boglehead used the platform in the past? FWIW, I have accumulated 6 months of living expenses and maxed out 401k and Roth. Going to start investing in taxable accounts next. Thank you in advance for you...
by MotoTrojan
Wed Aug 16, 2017 6:41 pm
Forum: Investing - Help with Personal Investments
Topic: a simple world wide portfolio
Replies: 6
Views: 451

Re: a simple world wide portfolio

Agree with above. Easier to implement, and stick with too consider there are way less knobs to turn.
by MotoTrojan
Wed Aug 16, 2017 4:47 pm
Forum: Investing - Help with Personal Investments
Topic: CD vs car-loan payment
Replies: 12
Views: 1278

Re: CD vs car-loan payment

I took a car loan for 5 years at 1.89%. That is an anomalously low interest rate and I'm happy to accept it. I did and still do have the money, but I have no plans to pay it off early. Instead, the money is invested according to my desired asset allocation, and I place the money tax efficiently. I ...
by MotoTrojan
Wed Aug 16, 2017 1:16 pm
Forum: Investing - Help with Personal Investments
Topic: CD vs car-loan payment
Replies: 12
Views: 1278

Re: CD vs car-loan payment

Because I can go 6-months without a job while paying this payment, but couldn't if I spent my EF. That's not a mindset that is going to lead to building wealth. Focus on "how much" instead of "how much per month" and you'll do better. Not sure I follow but appreciate the sentiment anyways. Made a s...
by MotoTrojan
Mon Aug 14, 2017 9:18 pm
Forum: Investing - Help with Personal Investments
Topic: 30,000 in Checking Account
Replies: 38
Views: 5430

Re: 30,000 in Checking Account

I am 31 years old and currently have 30,000 in my checking account and am tired of it just sitting there earning nothing. I already match my employer retirement to get the most out of them, have a Roth IRA, already paid off my student loans, no car payment, no credit card debt, and I rent, so no mo...
by MotoTrojan
Mon Aug 14, 2017 9:04 pm
Forum: Investing - Help with Personal Investments
Topic: S&P 500 vs Approximate TSM in 401k
Replies: 9
Views: 832

Re: S&P 500 vs Approximate TSM in 401k

Curious, was there not a small-cap blend option? You can represent TSM very well with just S&P 500 and Vanguard Small-cap, since the CSRP index is quite large (2x S&P600 median cap for example) and covers mid-cap exposure well. But as you said, S&P 500 is so similar to TSM, I wouldn't bother in the ...
by MotoTrojan
Mon Aug 14, 2017 12:11 pm
Forum: Investing - Help with Personal Investments
Topic: CD vs car-loan payment
Replies: 12
Views: 1278

Re: CD vs car-loan payment

Going for guaranteed lower return in CD makes no sense. Either invest in the market and go for higher return or pay off the loan directly. I would pay off the loan. Thanks. Lower return seemed like a risk adjusted way to gain liquidity for any good buying opportunities. I'll probably just dump that...
by MotoTrojan
Mon Aug 14, 2017 9:28 am
Forum: Investing - Help with Personal Investments
Topic: CD vs car-loan payment
Replies: 12
Views: 1278

Re: CD vs car-loan payment

Curious if I am missing anything, or if anyone knows of any great CD rates I should be looking into. Getting ready to get a windfall, and planning to use it to fill up my 6-month Emergency Fund, purchase more equities at my AA, and possibly put some $ towards my car loan at ~$32K, 1.9%, with 40 mon...
by MotoTrojan
Sun Aug 13, 2017 4:35 pm
Forum: Personal Finance (Not Investing)
Topic: Estimated Tax: Interpreting 2017 Publication 505
Replies: 10
Views: 582

Re: Estimated Tax: Interpreting 2017 Publication 505

The Obamacare social security and Medicare taxes ARE part of the total if you are subject to them. They are part of line 63 coming from the OTHER TAXES section but I got the impression that OP was looking for Medicare/SS withholding to be used along w/ normal income tax withholding as "credits/paym...
by MotoTrojan
Sun Aug 13, 2017 2:36 pm
Forum: Investing - Help with Personal Investments
Topic: Bitcoin
Replies: 116
Views: 6587

Re: Bitcoin

I have a friend who purchased 100 shares of GBTC (ETF) at $200 several months ago. It closed at $616 on Friday. It's hard not to consider this asset class as a potential for at least a small percentage of your funds. Only tripled his money? How about those that put $100 in 2010 and now have $72M :m...
by MotoTrojan
Sun Aug 13, 2017 10:35 am
Forum: Investing - Help with Personal Investments
Topic: Roth IRA possible excess contributions for 2015 and 2016
Replies: 2
Views: 238

Re: Roth IRA possible excess contributions for 2015 and 2016

You can convert to a non-deductible IRA, and potentially even backdoor Roth that back, assuming you have no 401ks rollover or traditional IRA assets.
by MotoTrojan
Sun Aug 13, 2017 9:22 am
Forum: Investing - Help with Personal Investments
Topic: CD vs car-loan payment
Replies: 12
Views: 1278

Re: CD vs car-loan payment

I would either dump the money into the market now or pay down the loan. One or the other. Keeping the money on the sidelines earning 40 basis points less than the Interest you are paying on your car loan, solely so you can have the money available as dry power, doesn't make sense to me. Closer to 1...
by MotoTrojan
Sun Aug 13, 2017 2:36 am
Forum: Investing - Help with Personal Investments
Topic: CD vs car-loan payment
Replies: 12
Views: 1278

CD vs car-loan payment

Curious if I am missing anything, or if anyone knows of any great CD rates I should be looking into. Getting ready to get a windfall, and planning to use it to fill up my 6-month Emergency Fund, purchase more equities at my AA, and possibly put some $ towards my car loan at ~$32K, 1.9%, with 40 mont...
by MotoTrojan
Sat Aug 12, 2017 12:59 pm
Forum: Investing - Help with Personal Investments
Topic: Core position in Fidelity
Replies: 24
Views: 2106

Re: Core position in Fidelity

Money Market funds are not insured, but are designed to maintain a value of $1, with small interest growth. For your purpose of just keeping money there for transfers, it is perfectly fine. Many people maintain balances in them as well.

Vanguard has the same sort of settlement account.
by MotoTrojan
Sat Aug 12, 2017 12:56 pm
Forum: Investing - Help with Personal Investments
Topic: Dividend Paying stocks
Replies: 33
Views: 3134

Re: Dividend Paying stocks

harlan247 wrote:
Sat Aug 12, 2017 11:38 am
I want to add one or two dividend paying stocks to my portfolio.
Would appreciate hearing of your favorites and why. Thanks.
Why? Read up on Total Return, then decide if you actually need a dividend paying stock/fund to achieve your goal.
by MotoTrojan
Fri Aug 11, 2017 7:37 pm
Forum: Personal Finance (Not Investing)
Topic: Estimated Tax: Interpreting 2017 Publication 505
Replies: 10
Views: 582

Re: Estimated Tax: Interpreting 2017 Publication 505

Thank you all! My payroll has an easy place online to update so should be painless.
by MotoTrojan
Fri Aug 11, 2017 7:01 pm
Forum: Personal Finance (Not Investing)
Topic: Estimated Tax: Interpreting 2017 Publication 505
Replies: 10
Views: 582

Re: Estimated Tax: Interpreting 2017 Publication 505

No, normal social security earnings are not included. You should increase your federal income tax withholding. I am not familiar with CA. I would guess it would work the same you and would increase my state withholding as well. Thank you. Where are Social Security and Medicare located? Didn't see m...
by MotoTrojan
Fri Aug 11, 2017 6:41 pm
Forum: Personal Finance (Not Investing)
Topic: Estimated Tax: Interpreting 2017 Publication 505
Replies: 10
Views: 582

Estimated Tax: Interpreting 2017 Publication 505

https://www.irs.gov/pub/irs-pdf/p505.pdf Trying to make sure I am properly interpreting this... I will have some substantial capital-gains this year, which I believe would qualify me for estimated tax payments. I believe I can get out of this by having more withheld this year (2017) than in 2016. Wh...
by MotoTrojan
Fri Aug 11, 2017 5:36 pm
Forum: Investing - Help with Personal Investments
Topic: Selling company stock (90% of portfolio)
Replies: 31
Views: 2500

Re: Selling company stock (90% of portfolio)

Thanks for the sounding board everybody. Just populated my forms, was easily able to select which shares (selling highest cost basis) and opted to leave ~$28K in the pot. Now just need to research backdoor Roth, call VG to convert Roth to TIRA, and decide how much (if any) of car to payoff. Feeling ...
by MotoTrojan
Fri Aug 11, 2017 11:56 am
Forum: Investing - Help with Personal Investments
Topic: REITs... almost 100% of VGSIX also in VTSMX???
Replies: 7
Views: 600

Re: REITs... almost 100% of VGSIX also in VTSMX???

To my mind the reason to invest in a REIT fund would be to overweight REITs if that's what you want. Not to add specific holdings that aren't in the TSM fund. Yup. Same as holding SCV on top of TSM (my AA). Thank you so much for the clarification. I guess then I'm just more confused why Malkiel arg...
by MotoTrojan
Fri Aug 11, 2017 11:50 am
Forum: Investing - Help with Personal Investments
Topic: REITs... almost 100% of VGSIX also in VTSMX???
Replies: 7
Views: 600

Re: REITs... almost 100% of VGSIX also in VTSMX???

Lou354 wrote:To my mind the reason to invest in a REIT fund would be to overweight REITs if that's what you want. Not to add specific holdings that aren't in the TSM fund.
Yup. Same as holding SCV on top of TSM (my AA).
by MotoTrojan
Thu Aug 10, 2017 1:09 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 3790
Views: 988903

Re: U.S. stocks in freefall

Selling company stock soon. Perfect chance to spend some excess cash on VTI/VXUS!
by MotoTrojan
Wed Aug 09, 2017 1:14 am
Forum: Investing - Help with Personal Investments
Topic: Selling company stock (90% of portfolio)
Replies: 31
Views: 2500

Re: Selling company stock (90% of portfolio)

Congratulations on having a good problem. I have been through some similar situations. Contrary to other people, and your own take, I would suggest keeping a substantial percentage of the stock (say, 50-75%), and creating an EF (or some other investment) with the part you do sell. You seem to be in...
by MotoTrojan
Tue Aug 08, 2017 9:06 pm
Forum: Investing - Help with Personal Investments
Topic: Selling company stock (90% of portfolio)
Replies: 31
Views: 2500

Re: Selling company stock (90% of portfolio)

I take it the company stock is not liquid given the statement about "buyback". You probably can't sell it easily. So sell it all now. At least enough to Cover your investment . I would take the profit too. Private stock... = illiquid. My investment was only $5K. Buybacks are generally 6-12 months a...
by MotoTrojan
Tue Aug 08, 2017 9:05 pm
Forum: Investing - Help with Personal Investments
Topic: Selling company stock (90% of portfolio)
Replies: 31
Views: 2500

Re: Selling company stock (90% of portfolio)

... At my age I have the ability and willingness to take substantial risk , but I want to take some off the table. ... "... this is private company that neither you or I can now buy. It's a different ballgame. But I admit some of this is psychological . This had never been "real" money to me as it ...
by MotoTrojan
Tue Aug 08, 2017 6:24 pm
Forum: Investing - Help with Personal Investments
Topic: Selling company stock (90% of portfolio)
Replies: 31
Views: 2500

Re: Selling company stock (90% of portfolio)

I take it the company stock is not liquid given the statement about "buyback". You probably can't sell it easily. So sell it all now. At least enough to Cover your investment . I would take the profit too. Private stock... = illiquid. My investment was only $5K. Buybacks are generally 6-12 months a...
by MotoTrojan
Tue Aug 08, 2017 4:59 pm
Forum: Investing - Help with Personal Investments
Topic: Selling company stock (90% of portfolio)
Replies: 31
Views: 2500

Re: Selling company stock (90% of portfolio)

This sale would put me over Roth limits.... But only for one year. You can skip Roth IRA for one year to accomplish a greater goal (getting out of the risk of one stock). Or, your salary may be low enough that selling in two years may be possible while keeping yourself under the Roth IRA MAGI limit...
by MotoTrojan
Tue Aug 08, 2017 4:41 pm
Forum: Investing - Help with Personal Investments
Topic: Selling company stock (90% of portfolio)
Replies: 31
Views: 2500

Re: Selling company stock (90% of portfolio)

Thanks everyone, words of advice are all taken seriously. While I will not sell all of it, I'll consider your experiences and push the needle towards selling more. Only other item to consider is how much, if at all, to pay off my car. Leaning towards leaving 12-24 months of payments, but the free 1....
by MotoTrojan
Tue Aug 08, 2017 2:51 pm
Forum: Investing - Help with Personal Investments
Topic: Selling company stock (90% of portfolio)
Replies: 31
Views: 2500

Re: Selling company stock (90% of portfolio)

As to selling it all, this is highly desirable private company stock which has consistently grown at , which only major investment firms are able to get a hold off. I'll be holding onto some of it regardless of what this forum recommends, but plan to sell at-least 50% of my holdings, possibly more....
by MotoTrojan
Tue Aug 08, 2017 2:46 pm
Forum: Investing - Help with Personal Investments
Topic: Selling company stock (90% of portfolio)
Replies: 31
Views: 2500

Re: Selling company stock (90% of portfolio)

Liquidity comes every 6-12 months historically but no promises. The amount that would keep me under my limit would leave me with an uncomfortable risk posture still. A backdoor Roth should have the same end result, yes? I'm also planning to excercise shares in my current company later this year, wh...
by MotoTrojan
Tue Aug 08, 2017 12:15 pm
Forum: Investing - Help with Personal Investments
Topic: Selling company stock (90% of portfolio)
Replies: 31
Views: 2500

Re: Selling company stock (90% of portfolio)

Most would recommend keeping a low % in a "fun money" stock, you have a very high percentage. Ultimately it is up to you, but you have the opportunity to setup yourself with a paid off car, EF and get those retirement accounts really started. When I said IRA/ I assumed it would be a Roth do to inco...
by MotoTrojan
Tue Aug 08, 2017 11:07 am
Forum: Investing - Help with Personal Investments
Topic: Selling company stock (90% of portfolio)
Replies: 31
Views: 2500

Re: Selling company stock (90% of portfolio)

Welcome to the Boglehead way. Congratulations on your great good fortune. If it were me.... I'd "minimize regret"...(an academically 'proven' strategy for maximizing happiness.) If you sell all.. and it goes up 10x, you will regret it for the rest of your life. If you don't sell most... then you wi...
by MotoTrojan
Tue Aug 08, 2017 10:34 am
Forum: Investing - Help with Personal Investments
Topic: Selling company stock (90% of portfolio)
Replies: 31
Views: 2500

Re: Selling company stock (90% of portfolio)

Most would recommend keeping a low % in a "fun money" stock, you have a very high percentage. Ultimately it is up to you, but you have the opportunity to setup yourself with a paid off car, EF and get those retirement accounts really started. When I said IRA/ I assumed it would be a Roth do to inco...
by MotoTrojan
Tue Aug 08, 2017 9:45 am
Forum: Investing - Help with Personal Investments
Topic: Selling company stock (90% of portfolio)
Replies: 31
Views: 2500

Re: Selling company stock (90% of portfolio)

I'd sell it all, pay the taxes (they are long term capital gains?) Then I'd pay off the car and fully fund the EF. Then take what you were paying toward that car every month and fund an IRA, then a taxable. Once you get the 401k, you can fund it and the IRA. Thanks. I am struggling to see the merit...
by MotoTrojan
Tue Aug 08, 2017 8:55 am
Forum: Investing - Help with Personal Investments
Topic: Understanding Startup Equity
Replies: 2
Views: 365

Re: Understanding Startup Equity

What are the best resources (books, websites, blogs) for learning about and managing/tracking multiple stock awards and options in private companies? All About Options is a decent book for ISO's and AMT implications. Options from a tax-strategy standpoint are much more complicated than awarded shar...
by MotoTrojan
Mon Aug 07, 2017 10:06 pm
Forum: Investing - Help with Personal Investments
Topic: Selling company stock (90% of portfolio)
Replies: 31
Views: 2500

Selling company stock (90% of portfolio)

Hello all. I've been in the working world for ~3 years, but just this January started taking my finances seriously, trimmed my spending, and discovered 'A Random Walk', which led me here to this forum. Since then I have started working through a budget to grow my EF and start my portfolio. Could use...
by MotoTrojan
Mon Aug 07, 2017 12:52 pm
Forum: Investing - Help with Personal Investments
Topic: Sale of Stock and Taxes
Replies: 10
Views: 802

Re: Sale of Stock and Taxes

You are never taxed on the same income twice. espp plans are complex... Please look at plan literature since likely none of this has been taxed, but all of your contribution be has been rsu are almost always withheld for taxes. You should only owe cap gains for this. Note to self, never reply to a ...
by MotoTrojan
Sun Aug 06, 2017 7:52 pm
Forum: Investing - Help with Personal Investments
Topic: 14k left over after max 401k and tIRA. Advice please ?
Replies: 27
Views: 1483

Re: 14k left over after max 401k and tIRA. Advice please ?

You could consider two taxable accounts one for each of you, at a low cost provider like Vanguard, and invest in very tax-efficient large-cap or total market type stock index funds. Examples would include Vanguard Total Stock Market Index Fund, and Vanguard Total International Index Fund. Please se...
by MotoTrojan
Sun Aug 06, 2017 7:49 pm
Forum: Investing - Help with Personal Investments
Topic: Sale of Stock and Taxes
Replies: 10
Views: 802

Re: Sale of Stock and Taxes

You are never taxed on the same income twice. espp plans are complex... Please look at plan literature since likely none of this has been taxed, but all of your contribution be has been rsu are almost always withheld for taxes. You should only owe cap gains for this. AMT and ISOs can cause a neatly...
by MotoTrojan
Sun Aug 06, 2017 6:21 pm
Forum: Investing - Help with Personal Investments
Topic: 401K Elections - Vanguard
Replies: 10
Views: 700

Re: 401K Elections - Vanguard

Or if you really do want to overweight domestic small company stocks, then you could consider these funds instead: 50%, Vanguard Instl 500 Index Trust 7506 26%, DFA US Small Cap Value I DFSVX 2786 20%, Vanguard Inst Tot Intl St Mt Ix Tr 7508 24%, Vanguard Inst Tot Bd Mkt Ix Tr 7507 If you feel stro...
by MotoTrojan
Sat Aug 05, 2017 8:36 pm
Forum: Investing - Help with Personal Investments
Topic: 14k left over after max 401k and tIRA. Advice please ?
Replies: 27
Views: 1483

Re: 14k left over after max 401k and tIRA. Advice please ?

You could consider two taxable accounts one for each of you, at a low cost provider like Vanguard, and invest in very tax-efficient large-cap or total market type stock index funds. Examples would include Vanguard Total Stock Market Index Fund, and Vanguard Total International Index Fund. Please se...
by MotoTrojan
Sat Aug 05, 2017 8:11 pm
Forum: Investing - Help with Personal Investments
Topic: When to sell Vanguard Target Retirement 2055 Fund Shares?
Replies: 15
Views: 1503

Re: When to sell Vanguard Target Retirement 2055 Fund Shares?

If you invested $1 in the DJIA in 1900, it would have grown to $290 by the start of 2013. Had you missed the best 5 days each year, it would be worth less than a penny in 2013. Understanding that is powerful. interesting. is there an article on this somewhere I missed? Thanks. Malkiel's infamous A ...
by MotoTrojan
Sat Aug 05, 2017 4:11 am
Forum: Investing - Help with Personal Investments
Topic: Stock Options and Awards
Replies: 9
Views: 550

Re: Stock Options and Awards

I know the Boglehead mentality, but I just can't agree with it in this scenario because I think every situation is truly different. I work for a publicly traded company, considered one of the best in it's industry class and a prime target of acquisition. I had loads of options, and vested/unvested ...
by MotoTrojan
Sat Aug 05, 2017 4:07 am
Forum: Investing - Help with Personal Investments
Topic: Any TLH consideration when choosing Total Stock Market ETF for taxable account
Replies: 4
Views: 398

Re: Any TLH consideration when choosing Total Stock Market ETF for taxable account

Not sure how the IRS would feel if you TLH'd from one brokerage's TSM to another. I would consider that a nearly identical asset. But, a Large-cap or S&P 500 fund is different enough, yet has a nearly identical longterm return/correlation.
by MotoTrojan
Sat Aug 05, 2017 3:04 am
Forum: Investing - Help with Personal Investments
Topic: When to sell Vanguard Target Retirement 2055 Fund Shares?
Replies: 15
Views: 1503

Re: When to sell Vanguard Target Retirement 2055 Fund Shares?

When to sell Vanguard Target Retirement 2055 Fund Shares? 25y/o. I have about 25k invested in my Roth IRA with Vanguard (VFFVX Vanguard Target Retirement 2055 Fund Investor Shares). I have about 5k in cumulative returns (is this good)? Is it a good idea to sell when high and when the market just st...