Search found 207 matches

by MotoTrojan
Sat Apr 29, 2017 9:41 pm
Forum: Personal Finance (Not Investing)
Topic: Profit sharing bonus, considering options
Replies: 8
Views: 517

Re: Profit sharing bonus, considering options

For those who recommend putting the money in the investment account since the loan rate is so good, I have a sincere question. Which is the better investment strategy: putting the large lump sum all at once into the account (could that be considered market timing?) or spreading such a large investm...
by MotoTrojan
Fri Apr 28, 2017 11:00 am
Forum: Investing - Theory, News & General
Topic: Euro-based Funds
Replies: 1
Views: 190

Euro-based Funds

Any good insight into the theoretical/expected outcomes of a collapse of the Euro?

To be more specific, I hold 25% VXUS for long-term buy & hold. What would the immediate & long-term impact be of France pulling out of the EU? Great buying opportunity? Long-term issues?

Thanks!
by MotoTrojan
Thu Apr 27, 2017 11:50 pm
Forum: Personal Finance (Not Investing)
Topic: Incentive Stock Options, NSOS, and AMT
Replies: 11
Views: 548

Re: Incentive Stock Options, NSOS, and AMT

What is the advantage to an ISO? I have been told it is advantageous but am struggling to see much tax difference. Just that, after AMT credit, the entire spread (and any gains after exercise) are only taxed as LTCG? As one example of a nice outcome: I was able to early exercise some ISO options (a...
by MotoTrojan
Thu Apr 27, 2017 1:53 pm
Forum: Personal Finance (Not Investing)
Topic: Incentive Stock Options, NSOS, and AMT
Replies: 11
Views: 548

Re: Incentive Stock Options, NSOS, and AMT

The most reliable source of stock options information is probably Fairmark . Some reading around this site should clarify several of your choices here. Or at minimum, give you a framework in which to place things. Thank you! Looks like an excellent resource. After talking to some colleagues (low do...
by MotoTrojan
Thu Apr 27, 2017 12:11 pm
Forum: Personal Finance (Not Investing)
Topic: Incentive Stock Options, NSOS, and AMT
Replies: 11
Views: 548

Re: Incentive Stock Options, NSOS, and AMT

What is the advantage to an ISO? I have been told it is advantageous but am struggling to see much tax difference. Just that, after AMT credit, the entire spread (and any gains after exercise) are only taxed as LTCG? The most reliable source of stock options information is probably Fairmark . Some ...
by MotoTrojan
Thu Apr 27, 2017 11:33 am
Forum: Personal Finance (Not Investing)
Topic: Incentive Stock Options, NSOS, and AMT
Replies: 11
Views: 548

Re: Incentive Stock Options, NSOS, and AMT

What is the advantage to an ISO? I have been told it is advantageous but am struggling to see much tax difference. Just that, after AMT credit, the entire spread (and any gains after exercise) are only taxed as LTCG? The most reliable source of stock options information is probably Fairmark . Some ...
by MotoTrojan
Thu Apr 27, 2017 9:39 am
Forum: Personal Finance (Not Investing)
Topic: Incentive Stock Options, NSOS, and AMT
Replies: 11
Views: 548

Re: Incentive Stock Options, NSOS, and AMT

One thing to note, especially if you were able to exercise before a year after the grant, you must hold the stock for 2 years from the date of the grant and one year from the date of exercise in order to get LTCG; if you were able to exercise at 6 months and sold 13 months after exercise (possibly ...
by MotoTrojan
Thu Apr 27, 2017 12:26 am
Forum: Personal Finance (Not Investing)
Topic: Incentive Stock Options, NSOS, and AMT
Replies: 11
Views: 548

Incentive Stock Options, NSOS, and AMT

I am a few months away from the start of my vesting of options for a non publicly traded company, and want to get a good head start on the tax-implications prior to making any decisions. Up to $100K/year in fair-market-value is granted as an Incentive Stock Option (ISO) and anything over that become...
by MotoTrojan
Wed Apr 26, 2017 11:31 pm
Forum: Investing - Help with Personal Investments
Topic: Investing $1M
Replies: 57
Views: 5400

Re: Investing $1M

I've recently come into some money (a little over $1M) and have retired in my mid-30s. I want this money to produce $30k/yr after-tax income for me and my family for life. I totally subscribe to buying and holding low-cost index funds and withdrawing for income. However, now just does not seem to b...
by MotoTrojan
Wed Apr 26, 2017 10:32 pm
Forum: Investing - Help with Personal Investments
Topic: Investing $1M
Replies: 57
Views: 5400

Re: Investing $1M

I've recently come into some money (a little over $1M) and have retired in my mid-30s. I want this money to produce $30k/yr after-tax income for me and my family for life. I totally subscribe to buying and holding low-cost index funds and withdrawing for income. However, now just does not seem to b...
by MotoTrojan
Wed Apr 26, 2017 12:32 pm
Forum: Investing - Help with Personal Investments
Topic: [Advice needed for mother's inheritance/finances.]
Replies: 129
Views: 12862

Re: [Advice needed for mother's inheritance/finances.]

On Asset Allocation When we are young we can hold more stocks for a higher return. As we grow old then we should hold more bonds to have more stability. I have presented below a typical asset allocation glide path chart, offering a range of possible allocations between aggressive, normal, and conse...
by MotoTrojan
Tue Apr 25, 2017 9:27 pm
Forum: Investing - Help with Personal Investments
Topic: Investing $1M
Replies: 57
Views: 5400

Re: Investing $1M

One concern I would have is the plan to retire at 30 years of age with $1,000,000 and begin distributions. In my opinion, while $1,000,000 sounds like a lot of money (and it is), at 30 years of age and the expected time frame, this amount may not be enough to be comfortable. Best. Read the thread. ...
by MotoTrojan
Tue Apr 25, 2017 8:38 pm
Forum: Investing - Help with Personal Investments
Topic: Investing $1M
Replies: 57
Views: 5400

Re: Investing $1M

I've recently come into some money (a little over $1M) and have retired in my mid-30s. I want this money to produce $30k/yr after-tax income for me and my family for life. I totally subscribe to buying and holding low-cost index funds and withdrawing for income. However, now just does not seem to b...
by MotoTrojan
Tue Apr 25, 2017 8:12 pm
Forum: Investing - Help with Personal Investments
Topic: [Advice needed for mother's inheritance/finances.]
Replies: 129
Views: 12862

Re: [Advice needed for mother's inheritance/finances.]

Mom is in her early 50s and plans to retire after I finish school, so in 4 years. Mother's assets with current financial advisor: inherited IRA: 570k with approx. 80k left to transfer still personal IRA: 218k brokerage account" 150k with American Funds growth portfolio class C She also has app...
by MotoTrojan
Tue Apr 25, 2017 7:45 pm
Forum: Investing - Help with Personal Investments
Topic: [Advice needed for mother's inheritance/finances.]
Replies: 129
Views: 12862

Re: [Advice needed for mother's inheritance/finances.]

Also don't let this thread or an individual poster decide 10% (25% of equity) is enough international for you. It's important you do your own research and feel strongly about it. If not, you'll have second guesses, change, and lock in losses. For what it's worth, I do 25% Int though, so I do agree w...
by MotoTrojan
Tue Apr 25, 2017 7:39 pm
Forum: Investing - Help with Personal Investments
Topic: [Advice needed for mother's inheritance/finances.]
Replies: 129
Views: 12862

Re: Advice needed for mother's inheritance/finances.

Vanguard Total Stock Market Index Fund (VTSMX) Vanguard Total International Stock Index Fund (VGTSX) Vanguard Total Bond Market Fund (VBMFX) Now, I am not sure how to allocate the funds to each one. I was thinking 25, 25, 50 respectively. What do you think? To resume where the last thread was left ...
by MotoTrojan
Tue Apr 25, 2017 6:43 pm
Forum: Investing - Help with Personal Investments
Topic: Investing $1M
Replies: 57
Views: 5400

Re: Investing $1M

Let me start over with my full picture, and apologies again for leading us down the $30k/yr rabbit hole (was just trying to simplify for 3% SWR). Here's the new thread: https://www.bogleheads.org/forum/viewtopic.php?f=1&t=217445 Thanks in advance for any help. Extremely different picture. Congr...
by MotoTrojan
Tue Apr 25, 2017 3:06 pm
Forum: Investing - Help with Personal Investments
Topic: Investing $1M
Replies: 57
Views: 5400

Re: Investing $1M

Hi everyone, I am pretty new to this, having just read Bogle's little red book, and wanted to know how to apply to my current situation in today's economy. I will say I am pretty hurt and dismayed from people accusing me of being fictitious, not having a clue, and coming into money via luck. I also...
by MotoTrojan
Tue Apr 25, 2017 2:17 pm
Forum: Investing - Help with Personal Investments
Topic: [Advice needed for mother's inheritance/finances.]
Replies: 129
Views: 12862

Re: Too much inheritance to handle. Advice needed

The good thing about an IRA is that it is very easy to move funds around. Because the funds are tax sheltered, there are no tax consequences to buying and selling. If you are at a brokerage like Vanguard, there are no transaction fees. I think the three fund portfolio you have suggested looks good....
by MotoTrojan
Tue Apr 25, 2017 10:40 am
Forum: Investing - Help with Personal Investments
Topic: Fidelity taxable account - which is better ITOT ETF vs FSTVX index fund
Replies: 24
Views: 1368

Re: Fidelity taxable account - which is better ITOT ETF vs FSTVX index fund

^I doubt you are an outlier since ETFs do have significant assets. :) I hold mostly ETFs, but do own some Vanguard mutual funds as well. My idea is to take advantage of both kinds of assets where appropriate. Fair. Maybe I'll consider swapping some over down the road. Or just wait until I have acce...
by MotoTrojan
Tue Apr 25, 2017 10:28 am
Forum: Investing - Help with Personal Investments
Topic: Fidelity taxable account - which is better ITOT ETF vs FSTVX index fund
Replies: 24
Views: 1368

Re: Fidelity taxable account - which is better ITOT ETF vs FSTVX index fund

I wonder if I am an outlier in that I hold exclusively ETFs (VTI, VXUS, VIOV) in my Roth (taxable as well, but that makes more sense). The main driver there is my desire to hold VIOV (SP600 SCV) rather than say Vanguards Small-cap Mutual Fund, but I also find it to still employ simplicity given it i...
by MotoTrojan
Tue Apr 25, 2017 12:59 am
Forum: Investing - Help with Personal Investments
Topic: Fidelity taxable account - which is better ITOT ETF vs FSTVX index fund
Replies: 24
Views: 1368

Re: Fidelity taxable account - which is better ITOT ETF vs FSTVX index fund

I am at Fidelity & have maxxed out all retirement accounts. I have about $20k extra to put into a taxable. I've been doing some research online and it's somewhat hard to understand whether ITOT would be better or FSTVX. My plan would be to contribute monthly and reinvest dividends automatically...
by MotoTrojan
Tue Apr 25, 2017 12:39 am
Forum: Investing - Help with Personal Investments
Topic: Investing $1M
Replies: 57
Views: 5400

Re: Investing $1M

$30k/yr on $1M is 3.0% so under your 3.35% SWR recommendation. Would you recommend fully entering the market now, just choosing the ratio of stocks/bonds that matches my current risk tolerance? Taxes. But yes, if you fully subscribe to the Boglehead approach, that is what you should do. I assume &q...
by MotoTrojan
Mon Apr 24, 2017 10:30 pm
Forum: Personal Finance (Not Investing)
Topic: Software to track asset allocation (no tickers)
Replies: 41
Views: 3220

Re: Software to track asset allocation (no tickers)

Wow, Googlefinance is game changing! Had no idea I could pull in the current prices to my existing Googlesheet. Yes, I love googlefinance too. I use it to return price (NAV), but also "expenseratio", the fund name ("name") plus various CAGR values: returnytd, return52, return156...
by MotoTrojan
Mon Apr 24, 2017 9:36 am
Forum: Personal Finance (Not Investing)
Topic: Space X launch in Florida
Replies: 8
Views: 1062

Re: Space X launch in Florida

Full launch schedule - https://spaceflightnow.com/launch-schedule/ We've watched a Delta launch from the Saturn V center and a shuttle launch from along US 1. If you have a ticket to KSC the day of the launch you can watch it from the Saturn V exhibit (they have bleachers and it's probably as close...
by MotoTrojan
Mon Apr 24, 2017 2:38 am
Forum: Personal Finance (Not Investing)
Topic: Software to track asset allocation (no tickers)
Replies: 41
Views: 3220

Re: Software to track asset allocation (no tickers)

Wow, Googlefinance is game changing! Had no idea I could pull in the current prices to my existing Googlesheet.
by MotoTrojan
Mon Apr 24, 2017 2:28 am
Forum: Investing - Help with Personal Investments
Topic: [Advice needed for mother's inheritance/finances.]
Replies: 129
Views: 12862

Re: Too much inheritance to handle. Advice needed

There is 150k left in the brokerage account ivnested in the american funds growth portfolio class C, but we said to leave it in there until it goes above 152k so we don't lose anything on the 1% sales charge. I'm not understanding... what is the relationship between the account value and sales char...
by MotoTrojan
Mon Apr 24, 2017 2:21 am
Forum: Personal Finance (Not Investing)
Topic: Space X launch in Florida
Replies: 8
Views: 1062

Re: Space X launch in Florida

Would like to see a launch this summer. Any suggestions on where to stay and where to view launch. Not like I want to be close enough to see the paint peeling from launch tower, yet I don't want to be so far away that it looks like a magic mark w/ flames. If you are not on here already, check out S...
by MotoTrojan
Sat Apr 22, 2017 1:50 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard Institutional Index Fund Institutional Shares - Lacking Small and Mid-Cap
Replies: 16
Views: 1351

Re: Vanguard Institutional Index Fund Institutional Shares - Lacking Small and Mid-Cap

NiceUnparticularMan and MotoTrojan, The two options offered to me are Vanguard Institutional Index (VIIIX) and Vanguard Small-Cap Index (VSCPX). So if using a percentage of those two could get me close to TSM, I would be happy to do that for the simplicity of it! Thanks for your help. Awesome. Grea...
by MotoTrojan
Fri Apr 21, 2017 2:22 pm
Forum: Investing - Help with Personal Investments
Topic: SP500, Russel 2000 and mid caps?
Replies: 24
Views: 1772

Re: SP500, Russel 2000 and mid caps?

They appear to be among the most commonly cited indices. Individuals often talk about incorporating a tilt in their portfolio and unless the SP500 and Russel 2000 cover the entire market it seems like there would be a "built in" tilt by holding those two funds. Maybe towards large caps? W...
by MotoTrojan
Fri Apr 21, 2017 10:55 am
Forum: Investing - Help with Personal Investments
Topic: SP500, Russel 2000 and mid caps?
Replies: 24
Views: 1772

Re: SP500, Russel 2000 and mid caps?

Hmmm, I get a different number..... :happy But either way, I simply do not believe that investing needs to be that precise. Anywhere in the ball park is good enough in my book. In fact, if a person chooses to use only a 500 index, they are going to end up at essentially the same place. Morning-wake...
by MotoTrojan
Fri Apr 21, 2017 9:53 am
Forum: Investing - Help with Personal Investments
Topic: SP500, Russel 2000 and mid caps?
Replies: 24
Views: 1772

Re: SP500, Russel 2000 and mid caps?

retiredjg wrote:You may be correct, but that is not what the morningstar instant x-ray shows (as posted above by Duckie).


Duckie is showing 46% (correction: 32% whoops) of TSM mid-cap, according to M*, being missing from that 88/12 split.
by MotoTrojan
Fri Apr 21, 2017 9:26 am
Forum: Investing - Help with Personal Investments
Topic: SP500, Russel 2000 and mid caps?
Replies: 24
Views: 1772

Re: SP500, Russel 2000 and mid caps?

The S&P 500 and the Russell 2000 pretty much do cover the entire market. A tilt to one direction or the other would depend on the ratio of the two funds together. One ratio would tilt to large cap, another would tilt to mid/small cap. It is my understanding that the Russell 2000 is too small, a...
by MotoTrojan
Fri Apr 21, 2017 9:20 am
Forum: Investing - Help with Personal Investments
Topic: Vanguard Institutional Index Fund Institutional Shares - Lacking Small and Mid-Cap
Replies: 16
Views: 1351

Re: Vanguard Institutional Index Fund Institutional Shares - Lacking Small and Mid-Cap

Thanks folks, My 457 (like a 401k) fund only offers the Vanguard Institutional Index Fund and a Small-Cap, however, I can invest in the extended market fund through my Vanguard Roth IRA. When you folks start talking about tilting toward or away from small-cap or small growth, it's a bit over my hea...
by MotoTrojan
Fri Apr 21, 2017 3:35 am
Forum: Investing - Help with Personal Investments
Topic: SP500, Russel 2000 and mid caps?
Replies: 24
Views: 1772

Re: SP500, Russel 2000 and mid caps?

Thr Russell 1000 is completed by the Russell 2000 to make the Russell 3000, which is a total market index, but with more stringent liquidity/investability screens than the CRSP or S&P total market indices, hence it has only 3000 stocks in it. By replacing the Russell 1000 by the S&P500 you ...
by MotoTrojan
Thu Apr 20, 2017 5:07 pm
Forum: Investing - Help with Personal Investments
Topic: [Advice needed for mother's inheritance/finances.]
Replies: 129
Views: 12862

Re: Too much inheritance to handle. Advice needed

What does everyone think about this guy's choices for the inherited IRA worth 404k? http://imgur.com/a/cRPeW I just added up all the fees and it came out to be 3.07 % + 1.25 (advisor fee) = 4.32 %. Assuming we stay at 400k throughout the year, that will come out to be 17280 we are paying to fees on...
by MotoTrojan
Thu Apr 20, 2017 12:11 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard Institutional Index Fund Institutional Shares - Lacking Small and Mid-Cap
Replies: 16
Views: 1351

Re: Vanguard Institutional Index Fund Institutional Shares - Lacking Small and Mid-Cap

According to Morningstar's definitions of size, the S&P 500 does contain a healthy dose of mid-cap stocks, so they are really just missing the small-cap and some mid cap. It's all subjective. Morningstar says Vanguards CRSP small funds are 50/50 small/mid; ~2X the median cap size of SP600 and R...
by MotoTrojan
Thu Apr 20, 2017 12:31 am
Forum: Investing - Theory, News & General
Topic: Visualizing the devastating impact of fees
Replies: 54
Views: 4840

Re: Visualizing the devastating impact of fees

I don't understand this. Suppose there is an average of 5% growth each year, over the long term. Even if I should lose 2% to fees each year, my account is still growing. This chart looks like it is shrinking. Maybe the chart needs some descriptions/labels on it??? I can see how the chart might look...
by MotoTrojan
Wed Apr 19, 2017 11:23 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard Institutional Index Fund Institutional Shares - Lacking Small and Mid-Cap
Replies: 16
Views: 1351

Re: Vanguard Institutional Index Fund Institutional Shares - Lacking Small and Mid-Cap

For what it is worth, I hold Total Stock Market (plus a Small-cap Value tilt and International) but if you compare the longterm returns between S&P 500 (or just Large-cap) and TSM, it is pretty amazing how similar they are. Doing the 80/20 won't hurt, but if it is easier (no rebalancing) to just...
by MotoTrojan
Wed Apr 19, 2017 10:17 am
Forum: Investing - Help with Personal Investments
Topic: [Advice needed for mother's inheritance/finances.]
Replies: 129
Views: 12862

Re: Too much inheritance to handle. Advice needed

Thanks for the suggestion. I don't mean to be invasive, but are these annuities you mentioned guaranteed to return 2-3 % a year? EE bonds are guaranteed to double (3.5%) in 20 years. 10 year CD's are currently returning 2.8%. Vanguard Total Bond Fund is not guaranteed, but has an annual total avera...
by MotoTrojan
Wed Apr 19, 2017 10:15 am
Forum: Investing - Help with Personal Investments
Topic: 24 year old 401K investments
Replies: 2
Views: 401

Re: 24 year old 401K investments

Buying/selling anything in Roth or 401K should not incur expenses, but of course each fund will have a different Expense Ratio (longterm fee), and this assumes these are no-load funds. Target fund is not a bad place to be. There are some disadvantages if it doesn't match your desired AA, and it prov...
by MotoTrojan
Tue Apr 18, 2017 8:32 am
Forum: Investing - Help with Personal Investments
Topic: Vanguard HSA for me? Best implementation?
Replies: 7
Views: 777

Re: Vanguard HSA for me? Best implementation?

There is no such thing as a "Vanguard HSA". It does not exist. +1. https://personal.vanguard.com/us/whatweoffer/overview/healthsavings OP, not sure what you mean. Are you perhaps talking about buying vanguard funds inside an HSA account with with some other provider? Yes, I was under the ...
by MotoTrojan
Mon Apr 17, 2017 11:52 pm
Forum: Investing - Help with Personal Investments
Topic: Fidelity equivalent of Vanguard small value index fund
Replies: 9
Views: 695

Re: Fidelity equivalent of Vanguard small value index fund

IJS all the way. The Vanguard fund is not actually small-cap, but is 50/50 Mid/Small (per Morningstar's evaluation of US Stocks). The Value Premium is best when coupled with the Size Premium, so the smaller the better. Also S&P 600 has a quality component (profitable business requirement) which ...
by MotoTrojan
Mon Apr 17, 2017 8:48 pm
Forum: Investing - Help with Personal Investments
Topic: [Advice needed for mother's inheritance/finances.]
Replies: 129
Views: 12862

Re: Too much inheritance to handle. Advice needed

1. Write a letter to this advisor and tell him to make no move on ANY of the portfolio. 2. Take your time and learn to invest, take a year if you have to. Don't less this advisor rush you, he's rushing you to lock in bad investments and get his high fees. He's NOT a friend of you or your family. 3....
by MotoTrojan
Mon Apr 17, 2017 7:52 pm
Forum: Investing - Help with Personal Investments
Topic: [Advice needed for mother's inheritance/finances.]
Replies: 129
Views: 12862

Re: Too much inheritance to handle. Advice needed

I would inform the advisor IN WRITING that you don't want him to make any changes in investments until further notice from you or your mother. I would also put a halt to moving the 401(k) money if it hasn't happened yet. You have something of a learning curve ahead of you, so you don't want the adv...
by MotoTrojan
Mon Apr 17, 2017 2:20 am
Forum: Investing - Help with Personal Investments
Topic: Vanguard HSA for me? Best implementation?
Replies: 7
Views: 777

Re: Vanguard HSA for me? Best implementation?

General co-insurance and co-pays before deductible is met are disqualifications for HSA. Oh well, I'll just keep growing the taxable (on top of my Roth). Given the small annual contribution limit, I don't see this adding enough value to justify switching my insurance at the next open enrollment. I ...
by MotoTrojan
Sun Apr 16, 2017 11:26 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard HSA for me? Best implementation?
Replies: 7
Views: 777

Re: Vanguard HSA for me? Best implementation?

Upon further review, I may not have a qualified HDHP. Newest insurance covers a % of costs up to my deductible (which is over the $1300 minimum though) and has a co-pay for some events.

Does this mean I cannot use the funds currently, or cannot contribute at all (no loop holes there)?
by MotoTrojan
Sun Apr 16, 2017 11:22 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard HSA for me? Best implementation?
Replies: 7
Views: 777

Vanguard HSA for me? Best implementation?

Quick rundown: 25 years old, $105K/yr gross (likely to go up with stock options), currently saving/investing ~$15K/yr, with $5500 going to Roth and the rest going to taxable. Current employer does not offer a 401K. Current AA: 55% VTI (Total US Stock Market ETF) 25% VXUS (Total Int. Market ETF) 20% ...
by MotoTrojan
Sun Apr 16, 2017 10:35 pm
Forum: Investing - Theory, News & General
Topic: Got a RSU What is it [Restricted Stock Unit]
Replies: 12
Views: 983

Re: Got a RSU What is it [Restricted Stock Unit]

Giveb megacorp analogy I doubt this is applicable, but you should have the right to pay the associated income tax and keep the entire allotment, as its vested. If you don't expect much growth and/or plan to sell as it's vested, this is obviously not a concern. At my previous employer I often paid th...

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