Search found 696 matches

by MotoTrojan
Fri Oct 13, 2017 9:28 pm
Forum: Investing - Help with Personal Investments
Topic: Need help with current market (voo,vti)
Replies: 48
Views: 1951

Re: Need help with current market (voo,vti)

100 million that sounds nice how can I do that. I wish I had that amount right now. Easy: Start small and start now. If you could elaborate on top of that, it would be really greatly appreciated if anything PM me. For those who read this I currently have 3 thousand that I want to start investing in...
by MotoTrojan
Fri Oct 13, 2017 8:41 pm
Forum: Investing - Help with Personal Investments
Topic: “Going Long Volatility”
Replies: 16
Views: 850

Re: “Going Long Volatility”

VIX is purely speculation and as discussed has no expected growth in any direction. One interpretation of "going long" could be instead of day-trading it, a trader is assuming that the VIX (or overall market volatility) will continue the current trend of staying low, and is getting relatively long o...
by MotoTrojan
Fri Oct 13, 2017 12:28 pm
Forum: Investing - Help with Personal Investments
Topic: pay taxes from long term gains on a taxable account
Replies: 18
Views: 1314

Re: pay taxes from long term gains on a taxable account

Hi, I am about to sell off some assets that have a long term gain of ~$46,000 (no short term gains) on a taxable account. For my situation, it looks like they will be taxed at 15% so I estimate I will owe the Infernal Revenue Service about $7,000. I'm not retired and working full time and so far ta...
by MotoTrojan
Fri Oct 13, 2017 12:26 pm
Forum: Investing - Help with Personal Investments
Topic: Stop playing the game in steps
Replies: 4
Views: 780

Re: Stop playing the game in steps

Does this make sense? - reach 1 m - secure 1 m, vanguard target retirement income fund - new money, vanguard total world stock index fund - repeat Maybe not explicitly, but if you reach say 33X+ your annual expenses, I could see you putting that in a safe AA (maybe not 80/20 though, 40/60 or 50/50)...
by MotoTrojan
Fri Oct 13, 2017 9:07 am
Forum: Investing - Help with Personal Investments
Topic: First time investor: Snapshot after your advice
Replies: 12
Views: 1112

Re: First time investor: Snapshot after your advice

Now I have $12000 with $6000 from my wife for an emergency fund. Should I just leave it in the Vanguard Money Market fund? Your choice. It could also go into a high yield saving account if you felt that pays more and if it is worth the trouble to move it. Leftover cash is $70,000. Should I allocate...
by MotoTrojan
Fri Oct 13, 2017 9:00 am
Forum: Personal Consumer Issues
Topic: Car Buying, Time to grow up.
Replies: 55
Views: 4363

Re: Car Buying, Time to grow up.

I personally like a lightly used, potentially certified pre-owned car. Saves a few bucks, and for me it makes me fret wear & tear, small door dings, etc... a lot less since the car will likely already come with just a touch of "character". I made the mistake of buying a sports-sedan as my most recen...
by MotoTrojan
Fri Oct 13, 2017 8:57 am
Forum: Personal Finance (Not Investing)
Topic: Which is the Most Tax-Efficient Method to Increase Your Cash Position?
Replies: 34
Views: 2248

Re: Which is the Most Tax-Efficient Method to Increase Your Cash Position?

These guys are getting you in the right direction, but to say it bluntly. There is a much greater than 0% chance that you can withdraw the full $20K you desire, and stay under $7K of capital-gains (pay no taxes). Once you switch VG to specific id, you should be able to go to the cost-basis page and ...
by MotoTrojan
Thu Oct 12, 2017 9:06 pm
Forum: Investing - Help with Personal Investments
Topic: 2050 Target Retirement Fund
Replies: 11
Views: 1399

Re: 2050 Target Retirement Fund

Think of portfolio as one unit and read up on tax efficient fund placement. Total US and Total Int do great in taxable. Bonds are next in tax-advantaged only (deferred over Roth, if you have both). Then rest of equities in tax-advantaged. If you have substantial taxable assets and need bonds there, ...
by MotoTrojan
Thu Oct 12, 2017 5:11 pm
Forum: Investing - Help with Personal Investments
Topic: VTSMX vs. VTI
Replies: 16
Views: 1332

Re: VTSMX vs. VTI

What is the difference between these two? I understand one is a mutual fund and one is an ETF VTI has a lower expense ratio thus why wouldn't everyone always go with VTI? Confused and working on holdings for my three (four) fund portfolio :) My three-fund portfolio will be held at fidelity. Thank y...
by MotoTrojan
Thu Oct 12, 2017 4:48 pm
Forum: Investing - Help with Personal Investments
Topic: Need help with current market (voo,vti)
Replies: 48
Views: 1951

Re: Need help with current market (voo,vti)

Buy one or the other (recommend VTI, more tax-efficient and diverse). They are highly correlated and no need to duplicate, unless tax-loss harvesting. Looking into adding a percentage of VXUS as well. I'd invest now, but make sure you have the willingness to ride out a bad period (15+++ years holdin...
by MotoTrojan
Thu Oct 12, 2017 4:45 pm
Forum: Investing - Help with Personal Investments
Topic: Are we taking too much risk with Bonds in our AA?
Replies: 25
Views: 2011

Re: Are we taking too much risk with Bonds in our AA?

big bang wrote:
Thu Oct 12, 2017 4:33 pm
TRP STABLE VALUE FUND - N SVF-N
0.49% - 3 Month
1.44% - YTD
1.92% - 1 Year
I'm not very familiar with them, but I thought I've seen some closer to 3%. Go Total Bond and call it a day. This is barely keeping up with inflation.
by MotoTrojan
Thu Oct 12, 2017 4:19 pm
Forum: Investing - Help with Personal Investments
Topic: Are we taking too much risk with Bonds in our AA?
Replies: 25
Views: 2011

Re: Are we taking too much risk with Bonds in our AA?

Thank you for all your responses. So where do you think that I should park my bond allocation considering this period of rising rates? Those are the options that I have in my 401K: BLACKROCK U.S. DEBT INDEX M BUDFM (Barclays U.S. Aggregate Bond Index) ER 0.03% VANGUARD SH TM BOND INDEX PREM VBIPX (...
by MotoTrojan
Thu Oct 12, 2017 3:13 pm
Forum: Investing - Help with Personal Investments
Topic: Too old to invest at 70+ years?
Replies: 32
Views: 2401

Re: Too old to invest at 70+ years?

How old do people in your family tend to make it? How much $ we talking about? What are expenses? Stock market may just have more risk of resentment/angst than it is worth, but something like a TIPS/Cd-ladder would preserve some capital and stop inflation from eroding their assets. Thanks - I'll ha...
by MotoTrojan
Thu Oct 12, 2017 2:31 pm
Forum: Personal Consumer Issues
Topic: Pro and cons of the Prime offer by Amazon.......
Replies: 39
Views: 3632

Re: Pro and cons of the Prime offer by Amazon.......

I now look at jet.com first. The prices are competitive and unlike Amazon free shipping, which takes 3-4 weeks consistently, jet stuff is on my doorstep 2-3 days later. I might need to give this a try, along with Walmart.com. I use Prime frequently instead of local shopping, for convenience, but I ...
by MotoTrojan
Thu Oct 12, 2017 2:30 pm
Forum: Investing - Help with Personal Investments
Topic: Too old to invest at 70+ years?
Replies: 32
Views: 2401

Re: Too old to invest at 70+ years?

How old do people in your family tend to make it? How much $ we talking about? What are expenses?

Stock market may just have more risk of resentment/angst than it is worth, but something like a TIPS/Cd-ladder would preserve some capital and stop inflation from eroding their assets.
by MotoTrojan
Thu Oct 12, 2017 2:02 pm
Forum: Investing - Help with Personal Investments
Topic: pay taxes from long term gains on a taxable account
Replies: 18
Views: 1314

Re: pay taxes from long term gains on a taxable account

Hi, I am about to sell off some assets that have a long term gain of ~$46,000 (no short term gains) on a taxable account. For my situation, it looks like they will be taxed at 15% so I estimate I will owe the Infernal Revenue Service about $7,000. I'm not retired and working full time and so far ta...
by MotoTrojan
Thu Oct 12, 2017 1:14 pm
Forum: Investing - Help with Personal Investments
Topic: Need help investing $1M in today's market
Replies: 24
Views: 3708

Re: Need help investing $1M in today's market

Lump-sum $800K and put the $200K in a Cd if you'll need it in a couple of years. If by Total Stock Market you mean Total US, I would consider adding some international exposure (20-40% of total equities). Total International is best, most tax-efficient way to do so. Also research tax-loss harvesting...
by MotoTrojan
Thu Oct 12, 2017 12:49 pm
Forum: Investing - Help with Personal Investments
Topic: pay taxes from long term gains on a taxable account
Replies: 18
Views: 1314

Re: pay taxes from long term gains on a taxable account

Hi, I am about to sell off some assets that have a long term gain of ~$46,000 (no short term gains) on a taxable account. For my situation, it looks like they will be taxed at 15% so I estimate I will owe the Infernal Revenue Service about $7,000. I'm not retired and working full time and so far ta...
by MotoTrojan
Thu Oct 12, 2017 12:21 pm
Forum: Personal Consumer Issues
Topic: Pro and cons of the Prime offer by Amazon.......
Replies: 39
Views: 3632

Re: Pro and cons of the Prime offer by Amazon.......

I now look at jet.com first. The prices are competitive and unlike Amazon free shipping, which takes 3-4 weeks consistently, jet stuff is on my doorstep 2-3 days later. I might need to give this a try, along with Walmart.com. I use Prime frequently instead of local shopping, for convenience, but I ...
by MotoTrojan
Thu Oct 12, 2017 12:19 pm
Forum: Investing - Help with Personal Investments
Topic: Boglehead Anniversary/1-Year Portfolio Review...
Replies: 7
Views: 913

Re: Boglehead Anniversary/1-Year Portfolio Review...

Do some searching but VIOV historically has been about as tax-efficient as VTI; I believe I saw some numbers stating it was actually better off, given that it has a lower dividend-yield and doesn't throw off any capital-gains. Also there are some liquidity concerns due to low-volume, but the arbitr...
by MotoTrojan
Thu Oct 12, 2017 12:16 pm
Forum: Investing - Help with Personal Investments
Topic: ESPP with Walmart (associate stock purchase plan)
Replies: 8
Views: 585

Re: ESPP with Walmart (associate stock purchase plan)

I have no experience with ESPP and have not studied the issue. That being said.... Would it be beneficial to wait until you've owed each share for one year before selling? In this way you'd pay tax at your LTCGs (long-term capital gains) rate. A few less dollars paid to uncle sugar can only help. O...
by MotoTrojan
Thu Oct 12, 2017 8:07 am
Forum: Investing - Theory, News & General
Topic: Larry Swedroe: Non-US Valuations Look Attractive
Replies: 73
Views: 6743

Re: Larry Swedroe: Non-US Valuations Look Attractive

The index is in theory the average, it is the total stock market. So if the average active fund beats the index, you are providing more than the entire stock-markets growth, in growth. Fees aside, the average active fund should match the indexes (but of course, there are winners and losers). With p...
by MotoTrojan
Thu Oct 12, 2017 8:03 am
Forum: Investing - Help with Personal Investments
Topic: $5.5K to invest - best strategy
Replies: 22
Views: 1562

Re: $5.5K to invest - best strategy

There are some funds you can use for BTC in an IRA but they are trading at 80%+ premiums (you pay 80% more than the value of coin you get). No thanks.

You can buy partial coin. Maybe $500 of each to calm your itch, then max that Roth.
by MotoTrojan
Wed Oct 11, 2017 10:50 pm
Forum: Investing - Theory, News & General
Topic: Larry Swedroe: Non-US Valuations Look Attractive
Replies: 73
Views: 6743

Re: Larry Swedroe: Non-US Valuations Look Attractive

Some say go active... Evidently, in Europe even the average active fund beats the index: How is that possible mathematically? Why wouldn't it be possible mathematically? The index is in theory the average, it is the total stock market. So if the average active fund beats the index, you are providin...
by MotoTrojan
Wed Oct 11, 2017 4:31 pm
Forum: Investing - Help with Personal Investments
Topic: Invest $200K cash to stock funds
Replies: 8
Views: 620

Re: Invest $200K cash to stock funds

ETF equivalents won't have a limit, but I still strongly disagree with this plan.
by MotoTrojan
Wed Oct 11, 2017 4:30 pm
Forum: Investing - Help with Personal Investments
Topic: Tax implications of a Roth IRA
Replies: 5
Views: 605

Re: Tax implications of a Roth IRA

You can convert more than $5500 but the conversion starts with a non-deductible IRA, which has the $5500/$6500 limits. If you have pre-tax IRAs the conversion is more complicated and will have tax implications. If not, simply contribute $5500/$6500 each to an IRA, then immediately convert it to Roth...
by MotoTrojan
Wed Oct 11, 2017 1:55 pm
Forum: Investing - Help with Personal Investments
Topic: Boglehead Anniversary/1-Year Portfolio Review...
Replies: 7
Views: 913

Re: Boglehead Anniversary/1-Year Portfolio Review...

Overall great fund choices (I really like VIOV and hold that along with VTI & VXUS). Nothing wrong with REITs, but at such a small % of your portfolio, I wouldn't hesitate to simplify that, or consider weighting them higher. Similar thought with VIOV honestly; not sure it is worth the trouble until...
by MotoTrojan
Wed Oct 11, 2017 1:45 pm
Forum: Investing - Help with Personal Investments
Topic: ESPP with Walmart (associate stock purchase plan)
Replies: 8
Views: 585

Re: ESPP with Walmart (associate stock purchase plan)

Tamales wrote:
Wed Oct 11, 2017 1:11 pm
Seems like way too much work just to get a paltry 270/12= $22.50 per month as a "bonus."
Personally, I'd pass.
It is all relative to salary.

Just saw on MarketWatch that Walmart is up pretty big this week. Maybe time to dump your current holdings :).
by MotoTrojan
Wed Oct 11, 2017 1:00 pm
Forum: Investing - Help with Personal Investments
Topic: ESPP with Walmart (associate stock purchase plan)
Replies: 8
Views: 585

Re: ESPP with Walmart (associate stock purchase plan)

How long do the shares need to stay before sale? 6-months seems reasonable. Could add some market timing spin to it and sell sooner if the stock appreciates past a threshold.
by MotoTrojan
Wed Oct 11, 2017 10:51 am
Forum: Investing - Theory, News & General
Topic: "Dumb and dumber" from Allan Roth
Replies: 10
Views: 2761

Re: "Dumb and dumber" from Allan Roth

I read an interesting article from Allan Roth. It addresses some recent discussion on bond funds and dividend stocks taking the place of bond funds. I am conservative and agree with his analysis. You may not. https://www.financial-planning.com/opinion/junk-bonds-and-dividend-stocks-are-not-as-safe-...
by MotoTrojan
Wed Oct 11, 2017 10:42 am
Forum: Investing - Help with Personal Investments
Topic: Boglehead Anniversary/1-Year Portfolio Review...
Replies: 7
Views: 913

Re: Boglehead Anniversary/1-Year Portfolio Review...

Overall great fund choices (I really like VIOV and hold that along with VTI & VXUS). Nothing wrong with REITs, but at such a small % of your portfolio, I wouldn't hesitate to simplify that, or consider weighting them higher. Similar thought with VIOV honestly; not sure it is worth the trouble until ...
by MotoTrojan
Tue Oct 10, 2017 2:37 pm
Forum: Investing - Help with Personal Investments
Topic: Rebalancing tax efficiently—and simply?
Replies: 7
Views: 704

Re: Rebalancing tax efficiently—and simply?

Not your question but are there not better options for the 13% in MM? Maybe a brokered CD?
by MotoTrojan
Tue Oct 10, 2017 12:57 pm
Forum: Investing - Help with Personal Investments
Topic: Help with 401k Selection for friend
Replies: 6
Views: 359

Re: Help with 401k Selection for friend

Developed market may be good as well, although I prefer Total int for emerging and small-cap exposure. For such s small amount though your plan sounds good.

Can a Roth 401K be rolled over to a Roth IRA (or other 401k)?
by MotoTrojan
Mon Oct 09, 2017 7:39 pm
Forum: Investing - Theory, News & General
Topic: Buy when there's blood in the streets!
Replies: 39
Views: 6200

Re: Buy when there's blood in the streets!

I am 100% stock other than emergency-fund (6-months, two tiers) but I would be encouraged to be extra frugal in a deep bear-market, to get as much "on sale" as possible. Depending on job security and likelihood of a further decline, I may also transfer my tier-2 (40/60 fund) emergency fund to an equ...
by MotoTrojan
Mon Oct 09, 2017 7:29 pm
Forum: Investing - Help with Personal Investments
Topic: admiral shares or investor shares?
Replies: 24
Views: 2907

Re: admiral shares or investor shares?

Agree, give the brokerage a shot sooner than later. Also, is this a tax-advantaged (401k, IRA, Roth) account? If so, I'd focus on saving, and keep the Target Fund. At some point tax-efficiency can be optimized, but really only when you have a mix of taxable and tax-advantaged assets. The Target ER o...
by MotoTrojan
Mon Oct 09, 2017 9:10 am
Forum: Investing - Theory, News & General
Topic: Can Option Strategies enable risk averse investors to have a higher degree of Small Value tilt?
Replies: 3
Views: 401

Re: Can Option Strategies enable risk averse investors to have a higher degree of Small Value tilt?

SCV often has long periods of under performance and then sudden (>>10%) spikes to overall beat the market. Fees aside, my understanding of your strategy is you'd miss that upside. With fees during the "dormant" periods, you'd lose out further.
by MotoTrojan
Fri Oct 06, 2017 11:08 pm
Forum: Investing - Theory, News & General
Topic: individual stock taxable account emotions
Replies: 17
Views: 1795

Re: individual stock taxable account emotions

None of your explanations justify why the stock will outperform the value set by those far more knowledgable than any of us; it takes more than picking successful businesses. Keep taxes in mind but sell asap. You aren't thinking about your choices the right way to invest that much in individual comp...
by MotoTrojan
Fri Oct 06, 2017 3:10 pm
Forum: Investing - Theory, News & General
Topic: VGTSX vs VDVIX / VEIEX blend
Replies: 7
Views: 495

Re: VGTSX vs VDVIX / VEIEX blend

I could imagine the total fund being more tax-efficient, but not sure how to quantify. Not really, unless you are counting the possibility of rebalancing between developed and emerging. For lower tax brackets, splitting them has actually improved efficiency while for higher tax brackets you about b...
by MotoTrojan
Fri Oct 06, 2017 3:06 pm
Forum: Investing - Theory, News & General
Topic: I'm thinking about cashing completely out of equites....
Replies: 75
Views: 8048

Re: I'm thinking about cashing completely out of equites....

If you are worried that stocks values are too high why don't you go to a conservative posture of 55/45 (your age in FI)? Then when the bottom falls out of the stock market you can buy additional stocks. And if these expensive equities keep climbing "the wall of worry" you'll participate in the upsi...
by MotoTrojan
Fri Oct 06, 2017 1:42 pm
Forum: Investing - Theory, News & General
Topic: VGTSX vs VDVIX / VEIEX blend
Replies: 7
Views: 495

Re: VGTSX vs VDVIX / VEIEX blend

I could imagine the total fund being more tax-efficient, but not sure how to quantify.
by MotoTrojan
Fri Oct 06, 2017 1:35 pm
Forum: Investing - Help with Personal Investments
Topic: Company Stock Investment sale / Capital Loss carryover
Replies: 12
Views: 497

Re: Company Stock Investment sale / Capital Loss carryover

It's really not that complicated and does not warrant a professional. RSUs are actual shares and you pay ordinary income when you get them, or companies often take shares and pay it for you. Now that you've exercised your NSO you have a regular share. Gains are taxed same as a VG taxable fund from t...
by MotoTrojan
Thu Oct 05, 2017 10:21 pm
Forum: Investing - Help with Personal Investments
Topic: Creating a 3 Fund Portfolio??
Replies: 5
Views: 1045

Re: Creating a 3 Fund Portfolio??

It is best to think of your portfolio as one unit. Given that you are now going to have significant taxable assets, I would see if you can implement a true 3-fund portfolio across all accounts, and ditch the Target Funds. If you have to withdraw from taxable, just shift things around after in tax-ad...
by MotoTrojan
Thu Oct 05, 2017 8:21 pm
Forum: Investing - Help with Personal Investments
Topic: Company Stock Investment sale / Capital Loss carryover
Replies: 12
Views: 497

Re: Company Stock Investment sale / Capital Loss carryover

Minor point but just for your knowledge, you appear to have been granted stock options, not shares, which you have now exercised using what sounds like a cash-less exercise. Usually you are given an option to buy a certain class of share, not sure what this Class B to Class A transition is about. Yo...
by MotoTrojan
Thu Oct 05, 2017 7:14 pm
Forum: Investing - Help with Personal Investments
Topic: Sell individual stocks now after transfer to Vanguard?
Replies: 14
Views: 995

Re: Sell individual stocks now after transfer to Vanguard?

Thanks for the answers so far. I think what I'm trying to decide is whether it's a good idea to sell the stocks and pay the capital gains in order to achieve a different asset allocation, perhaps closer to the Vanguard recommended 45/55. Tax rate is 15% and all is in a taxable account. 45/55 isn't ...
by MotoTrojan
Wed Oct 04, 2017 4:10 pm
Forum: Investing - Theory, News & General
Topic: What counts in calculating portfolio withdrawals?
Replies: 10
Views: 598

Re: What counts in calculating portfolio withdrawals?

goingup wrote:
Wed Oct 04, 2017 4:07 pm
This is a very interesting question. I may learn something new here. I had thought that taking bond fund interest in cash would notbe considered a portfolio withdrawal. Taking stock fund dividends in cash is absolutely considered a withdrawal, however.
Nope, both are withdrawals.
by MotoTrojan
Sun Oct 01, 2017 3:46 pm
Forum: Investing - Help with Personal Investments
Topic: Impact of Company Stock on Asset Allocation
Replies: 4
Views: 321

Re: Impact of Company Stock on Asset Allocation

Personally I feel like you are well under weight in equities and would suggest you change nothing with your AA (I assume you won't take on more stocks) and let this ride on the side.
by MotoTrojan
Sat Sep 30, 2017 10:33 pm
Forum: Investing - Theory, News & General
Topic: Align purchases with investments?
Replies: 5
Views: 611

Re: Align purchases with investments?

Supporting a healthy economy outside the S&P 500 is also necessary to keep the S&P thriving.
by MotoTrojan
Sat Sep 30, 2017 10:29 pm
Forum: Investing - Help with Personal Investments
Topic: Domestic SCV? [Small Cap Value]
Replies: 27
Views: 2594

Re: Domestic SCV? [Small Cap Value]

Vanguard's VIOV tracks the same index at IJS, at a lower cost. There may be higher transaction costs, but as a buy-and-hold investor, you'll probably come out ahead with VIOV. I prefer RZV (Guggenheim S&P 600 Pure Value) in a taxable account if your space is limited. RZV gives deeper exposure to sm...