Search found 1077 matches

by MotoTrojan
Sat Feb 17, 2018 2:59 pm
Forum: Investing - Theory, News & General
Topic: Which book for an 18 year old who is asking about investing?
Replies: 26
Views: 1288

Re: Which book for an 18 year old who is asking about investing?

CppCoder wrote:
Fri Feb 16, 2018 8:31 pm
The Bogleheads' Guide to Investing. That book turned me on to this forum, not the other way around. I refer this book to anyone who wants a comprehensive survey of how to invest for the long run.
Random Walk Down Wallstreet is my favorite but this is a close second.
by MotoTrojan
Fri Feb 16, 2018 8:13 pm
Forum: Investing - Help with Personal Investments
Topic: Portfolio Review - 401k Small-value Choice
Replies: 6
Views: 468

Re: Portfolio Review - 401k Small-value Choice

I was excited to see that Total US & Total International funds were available from Vanguard in my new 401k. Should I hold S&P500 and International Developed though, in order to make tax-loss harvesting easier down the road? 401k plan assets are not included when figuring whether or not you have a w...
by MotoTrojan
Fri Feb 16, 2018 10:03 am
Forum: Investing - Help with Personal Investments
Topic: Portfolio Review - 401k Small-value Choice
Replies: 6
Views: 468

Re: Portfolio Review - 401k Small-value Choice

80% VFIAX + 20% VEXAX is effectively TSM, so that's an easy way around wash sale issues. Not feasible with international since Guideline doesn't offer funds that cover international small caps, Korea, or Canada. Maybe just skip international in the 401k and hold that entirely in taxable. VTMSX isn'...
by MotoTrojan
Fri Feb 16, 2018 8:11 am
Forum: Investing - Help with Personal Investments
Topic: Portfolio Review - 401k Small-value Choice
Replies: 6
Views: 468

Re: Portfolio Review - 401k Small-value Choice

I think the best way of evaluating risk is to think about dollars. Let's say you have 120k in assets at a certain point and a bear market hits. NOV 2019: OP's portfolio $120,450. JAN 2020: $95,453 MARCH 2020: 83,223 NOV: 2020: $60,803 Poof, 50 percent is gone. And in real life, you probably will ch...
by MotoTrojan
Thu Feb 15, 2018 7:38 pm
Forum: Investing - Help with Personal Investments
Topic: Portfolio Review - 401k Small-value Choice
Replies: 6
Views: 468

Portfolio Review - 401k Small-value Choice

Hey all, been active on here and have come a LONG way from the first unnecessarily complex portfolio(s) I setup and requested on here. Now that I have a good plan in place, and am putting away 20%+ of gross, I wanted to get a quick check-up for any opportunities I am missing. My company is introduci...
by MotoTrojan
Wed Feb 14, 2018 4:01 pm
Forum: Investing - Help with Personal Investments
Topic: Backdoor Roth with Existing Traditional IRAs
Replies: 11
Views: 987

Re: Backdoor Roth with Existing Traditional IRAs

In that case she should convert her TIRA and pay the taxes on the $15K growth. She could then do the backdoor method based on your income. Growth has actually been about $26K. Just want to make sure I have this right: The TIRA balance is $81K and basis through 2016 is $55K. My understanding is that...
by MotoTrojan
Wed Feb 14, 2018 3:45 pm
Forum: Investing - Help with Personal Investments
Topic: Confused - placing for best after tax return- 401k and Roth 401k
Replies: 14
Views: 805

Re: Confused - placing for best after tax return- 401k and Roth 401k

Assuming tax-rate is the same now as retirement, they should be equal.
by MotoTrojan
Wed Feb 14, 2018 3:37 pm
Forum: Investing - Help with Personal Investments
Topic: SO stock accumulation for dividend and hedge if market turns Bearish?
Replies: 12
Views: 495

Re: SO stock accumulation for dividend and hedge if market turns Bearish?

I have been accumulating Southern stock since late December as it's been dropping. Currently, getting 5% dividend yield from averaging down with additional purchases over time. Any thoughts on continuing this strategy as a means of attaining greater dividends at higher yield in this environment of ...
by MotoTrojan
Wed Feb 14, 2018 1:51 pm
Forum: Investing - Theory, News & General
Topic: philosophicaleconomics predicts 4% real equity returns
Replies: 124
Views: 6277

Re: philosophicaleconomics predicts 4% real equity returns

4% is not much and I don't believe that it would be prudent staying invested if that was it, so we'd be looking at a higher amount to keep this large amount invested over time. -TheDDC Given that the average is 6-7%, I don't think 4% is anything to scoff at for a period of time. There are many peri...
by MotoTrojan
Wed Feb 14, 2018 1:43 pm
Forum: Investing - Help with Personal Investments
Topic: Understanding tax efficient help
Replies: 6
Views: 515

Re: Understanding tax efficient help

Considering purchasing Vanguard Wellesley Income Admiral Shares fund (VWIAX) - its been noted that this fund is not tax efficient and best held in a tax advantaged account. I have other index ETF's and couple of funds - that are placed in the proper tax protected or taxable accounts. I never really...
by MotoTrojan
Wed Feb 14, 2018 1:03 pm
Forum: Investing - Help with Personal Investments
Topic: When to pay off debt instead of invest?
Replies: 27
Views: 1195

Re: When to pay off debt instead of invest?

At $8K/month you are getting plenty of money into the market. 4% guaranteed after-tax return is a dream. Pay the mortgage and don't look back. Maybe even consider accelerating payments in tandem, since you'd be able to close out the remaining $100K even sooner and then cashflow the mortgage payment ...
by MotoTrojan
Wed Feb 14, 2018 12:45 pm
Forum: Investing - Help with Personal Investments
Topic: Tax loss harvesting and whether robo-investor fees are worth it
Replies: 19
Views: 1253

Re: Tax loss harvesting and whether robo-investor fees are worth it

These types of firms have changed fees before and that’s what scares me. If using taxable assets I would want to confirm they allow transfer in-kind, assuming I wanted to leave for any reason. Some also tilt to value or other factors so make sure you understand that (I tilt myself but it can lag bro...
by MotoTrojan
Tue Feb 13, 2018 11:17 pm
Forum: Investing - Help with Personal Investments
Topic: Alternatives
Replies: 9
Views: 590

Re: Alternatives

What are people’s opinions on having fund(s) to bolster a small amount of alternatives (<5% of portfolio)? For example: 1. Vanguard Natural Resources VNRR 2. Vanguard REIT (I don’t own real estate so this could add exposure to that market) I’ve seen some 4-fund portfolios that add REIT. But none th...
by MotoTrojan
Tue Feb 13, 2018 11:10 pm
Forum: Investing - Help with Personal Investments
Topic: Alternatives
Replies: 9
Views: 590

Re: Alternatives

What are people’s opinions on having fund(s) to bolster a small amount of alternatives (<5% of portfolio)? For example: 1. Vanguard Natural Resources VNRR 2. Vanguard REIT (I don’t own real estate so this could add exposure to that market) I’ve seen some 4-fund portfolios that add REIT. But none th...
by MotoTrojan
Tue Feb 13, 2018 11:09 pm
Forum: Personal Finance (Not Investing)
Topic: Net worth progression: what am i doing wrong?
Replies: 25
Views: 3704

Re: Net worth progression: what am i doing wrong?

My only comment: why are you investing in taxable while not maxing out your 401k and a Roth? I do not plan to reside in the US and will probably go back to my home country in 5-6 years time frame. I'm assuming that the tax benefit of a 401k/Roth would be lost if moving back to the OPs home country....
by MotoTrojan
Tue Feb 13, 2018 11:08 pm
Forum: Investing - Help with Personal Investments
Topic: best vanguard ROTH IRA funds to invest in
Replies: 5
Views: 705

Re: best vanguard ROTH IRA funds to invest in

I am in the process of moving my roth from usaa/ edward jones to Vanguard. I have been maxing out my roth and 401k the past couple years. I have about 30k in my roth right now. I am wondering what fund or funds I should put my roth ira money in Here is my 401k breakdown https://imgur.com/xpgqVN8 I'...
by MotoTrojan
Tue Feb 13, 2018 9:55 pm
Forum: Personal Finance (Not Investing)
Topic: Net worth progression: what am i doing wrong?
Replies: 25
Views: 3704

Re: Net worth progression: what am i doing wrong?

My only comment: why are you investing in taxable while not maxing out your 401k and a Roth?
by MotoTrojan
Tue Feb 13, 2018 5:51 pm
Forum: Investing - Help with Personal Investments
Topic: The Prime Money Market vs the Short Term Investment Grade bond fund question
Replies: 17
Views: 2269

Re: The Prime Money Market vs the Short Term Investment Grade bond fund question

Rate increases are priced into bonds with a likelihood of probability. When they actually occur, that probability goes to 100%, so you will see some change, but not the theoretical full change in NAV per % interest rate increase. In your situation though, a money-market might not be a terrible place...
by MotoTrojan
Tue Feb 13, 2018 4:50 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 5574
Views: 1260757

Re: U.S. stocks in freefall

My neighbor, who has a PhD in Economics from Harvard, was on TV. When asked if another depression could happen he said yes it could. That put the fear of God in me. I need to credit this site with helping me get through this period. What would you think of this site if we still hadn't recovered? (H...
by MotoTrojan
Tue Feb 13, 2018 4:23 pm
Forum: Investing - Theory, News & General
Topic: What if you only live off dividends?
Replies: 69
Views: 5505

Re: What if you only live off dividends?

I don't want to deviate from the 3-fund portfolio. I would just live off whatever dividends the total market provides. This is probably the most bullet-proof financial plan you can possibly imagine, once you get there. Getting the 50-60X expenses on the other hand will require working a lot longer ...
by MotoTrojan
Tue Feb 13, 2018 2:42 pm
Forum: Personal Consumer Issues
Topic: USPS Flat Rate Boxes - How do they work?
Replies: 27
Views: 2064

Re: USPS Flat Rate Boxes - How do they work?

And I've learned to tape up my package in my car. If others see you have tape, in my experience, they'll ask if they can use it, because they didn't think to bring any. I'm happy to help with a few cents worth of tape, but I've ended up with a stream of folks doing the same. You could be there a wh...
by MotoTrojan
Tue Feb 13, 2018 11:54 am
Forum: Personal Consumer Issues
Topic: For BHs who actually like cars - [what car do you drive every day?]
Replies: 260
Views: 14030

Re: For BHs who actually like cars - [what car do you drive every day?]

2014 Audi S4 w/ sport differential. Had it about 1.5 years and getting ready to swap out my all-weather tires for something sporty; looking forward to it!
by MotoTrojan
Tue Feb 13, 2018 11:12 am
Forum: Investing - Theory, News & General
Topic: What if you only live off dividends?
Replies: 69
Views: 5505

Re: What if you only live off dividends?

If you were in a high-dividend equity fund, and higher risk bonds, that paid an average dividend of 4%, you'd be in the same position as someone with a three-fund portfolio that sells shares (and uses dividends) to withdraw 4%; plus you'd be taking on extra risk by using a less diverse fund make-up....
by MotoTrojan
Tue Feb 13, 2018 10:21 am
Forum: Investing - Help with Personal Investments
Topic: Did you learn anything from the market correction?
Replies: 155
Views: 10095

Re: Did you learn anything from the market correction?

Learned at 100% stocks it had zero impact on me, but I don’t think it was a large one.
by MotoTrojan
Tue Feb 13, 2018 10:19 am
Forum: Investing - Theory, News & General
Topic: Vanguard US Multifactor Fund
Replies: 52
Views: 3970

Re: Vanguard US Multifactor Fund

With their ETMFs, you place an order at NAV plus or minus a stated spread and it executes at end of market day NAV +/- the spread. I was just thinking of a special kind of limit order, but this sounds nice too. As long as dealing with retail investors didn't raise the ER noticeably. If ishares offe...
by MotoTrojan
Tue Feb 13, 2018 8:48 am
Forum: Investing - Help with Personal Investments
Topic: "Laid off, choices re 401k loan and rollover - Help Requested"
Replies: 17
Views: 1345

Re: "Laid off, choices re 401k loan and rollover - Help Requested"

So, where should I roll over my 401k without paying taxes? Since I would pay taxes if rolled over to Roth IRA what is other options? Thank you, Traditional IRA, which it sounds like you already have? Unless you have after tax (Roth) 401k funds, then those can get rolled to a Roth IRA. Having pre-ta...
by MotoTrojan
Tue Feb 13, 2018 1:50 am
Forum: Investing - Theory, News & General
Topic: Random conversations regarding money
Replies: 44
Views: 4534

Re: Random conversations regarding money

Is investing a percentage of your portfolio in physical real estate and physical gold not a diversification strategy,but keeping everything in stocks and bonds is a strategy? Physical gold is considered a commodity and not an investment (it does not generate income/profits). Same with a non-income ...
by MotoTrojan
Tue Feb 13, 2018 1:11 am
Forum: Investing - Theory, News & General
Topic: Expecting a crash...but staying the course
Replies: 8
Views: 1594

Re: Expecting a crash...but staying the course

If you look at the stock charts, it has been a straight line up for a very long time. I sometimes have urges to pull out of the market and wait for prices to get slashed. But I always go back to these words from Charlie Ellis. He explains (summarized and paraphrased): The historical statistics show...
by MotoTrojan
Mon Feb 12, 2018 10:16 pm
Forum: Investing - Help with Personal Investments
Topic: Age 25 - New to Investing, Looking for Advice
Replies: 22
Views: 1248

Re: Age 25 - New to Investing, Looking for Advice

Risky 401k with the small/mid-cap, I'd stay closer to Target Retirement or 3-fund for now. The expense ratios on your 401k will be a big deciding factor, but as mentioned above, unless you are talking about 25-100bp differences, ignore Cramer. As to the car loan, after it is paid off you can then ca...
by MotoTrojan
Mon Feb 12, 2018 10:10 pm
Forum: Investing - Help with Personal Investments
Topic: Where to invest funds from home sale?
Replies: 17
Views: 1011

Re: Where to invest funds from home sale?

I’m in a similar boat and was gonna ask a similar question to the board.Sold moms house who passed, and will eventually use the money to purchase a new house, maybe in a year. I’d like to recoup some of the closing costs in the meantime. My plan is to just leaving it in a capital one money market a...
by MotoTrojan
Mon Feb 12, 2018 10:05 pm
Forum: Investing - Help with Personal Investments
Topic: Add to Non-Deductible IRA, Then Convert to Roth
Replies: 5
Views: 318

Re: Add to Non-Deductible IRA, Then Convert to Roth

I believe I have my ducks in a row, but wanted to get feedback on the plan. I have a small $4.5k IRA that wasn't deducted years ago. Amerprise recorded it as Qualified. $4k was the original contribution many years ago. Performance was not its strong suit. #1 thing I thought was that for simplicity ...
by MotoTrojan
Mon Feb 12, 2018 10:00 pm
Forum: Investing - Help with Personal Investments
Topic: Where to invest funds from home sale?
Replies: 17
Views: 1011

Re: Where to invest funds from home sale?

I’m in a similar boat and was gonna ask a similar question to the board.Sold moms house who passed, and will eventually use the money to purchase a new house, maybe in a year. I’d like to recoup some of the closing costs in the meantime. My plan is to just leaving it in a capital one money market a...
by MotoTrojan
Mon Feb 12, 2018 9:58 pm
Forum: Investing - Help with Personal Investments
Topic: Bond conundrum: looking for recommendations
Replies: 4
Views: 337

Re: Bond conundrum: looking for recommendations

If you implement livesoft's plan (looks sound) don't forget that you can still sell equities from your taxable account (which will be mostly comprised of them) without having to reduce your equity exposure; ie. you can sell equities from taxable, but have the net effect be a sale of bonds, by simply...
by MotoTrojan
Mon Feb 12, 2018 9:37 pm
Forum: Investing - Help with Personal Investments
Topic: Age 25 - New to Investing, Looking for Advice
Replies: 22
Views: 1248

Re: Age 25 - New to Investing, Looking for Advice

Agreed on car; at that interest rate it is a no-brainer, tax-free return. Cash-flow it into investing more in your 401k, striving to max it and your Roth every year. Look at portfolio as one entity, and then place funds efficiently for expense ratio (can be bad for 401ks) and taxes (doesn't matter m...
by MotoTrojan
Mon Feb 12, 2018 9:25 pm
Forum: Investing - Help with Personal Investments
Topic: Opinions of the Money for the Rest of Us Model Portfolio
Replies: 13
Views: 1136

Re: Opinions of the Money for the Rest of Us Model Portfolio

Am I missing something, or is the entire stock portion either global or explicitly not U.S. stocks? Of course some people advocate for example a 50/50 split of U.S. & international stocks, but I don't think I've seen anyone advocate having no U.S. stocks (beyond what's in the total world index, mea...
by MotoTrojan
Mon Feb 12, 2018 9:18 pm
Forum: Investing - Help with Personal Investments
Topic: Help with Tax Loss Harvesting
Replies: 41
Views: 1768

Re: Help with Tax Loss Harvesting

You are now 100% in US equities. ... in the taxable account. We have no clue about the rest of their accounts. :) And maybe their 401(k) is huge, so this little bit doesn't move the needle much. VLCAX is a great fund for taxable. 100% QDI. Of course. Almost mentioned that, but in principal it doesn...
by MotoTrojan
Mon Feb 12, 2018 9:14 pm
Forum: Investing - Theory, News & General
Topic: how did you determine your risk tolerance?
Replies: 103
Views: 4784

Re: how did you determine your risk tolerance?

I simply went for 50/50 thinking anything other than that was "placing a bet" and that was what got one into risky territory. I could be convinced there is some other "golden ratio" that defines a neutral position but until I find one I'll stick with 50/50. Bond market is twice the size of equities...
by MotoTrojan
Mon Feb 12, 2018 9:09 pm
Forum: Investing - Help with Personal Investments
Topic: Help with Tax Loss Harvesting
Replies: 41
Views: 1768

Re: Help with Tax Loss Harvesting

Thanks livesoft and everyone.. I have just exchanged both VTSAX and VTIAX with VLCAX (large cap). Actually since it's close to 4pm, I was in hurry and exchanged everything with VLCAX (I will review next month). So now everything ($27,837) will be in VLCAX. I haven't changed the cost basis from defa...
by MotoTrojan
Mon Feb 12, 2018 7:11 pm
Forum: Investing - Theory, News & General
Topic: how did you determine your risk tolerance?
Replies: 103
Views: 4784

Re: how did you determine your risk tolerance?

I simply went for 50/50 thinking anything other than that was "placing a bet" and that was what got one into risky territory. I could be convinced there is some other "golden ratio" that defines a neutral position but until I find one I'll stick with 50/50. Bond market is twice the size of equities...
by MotoTrojan
Mon Feb 12, 2018 6:45 pm
Forum: Investing - Theory, News & General
Topic: Random conversations regarding money
Replies: 44
Views: 4534

Re: Random conversations regarding money

A very sharp government employee I work with started talking investments/pensions. I told him my buy & hold, low cost and diverse strategy. He told me he has physical gold/silver, and picks 1-2 stocks per sector to hold/trade using tight limit/stop-loss bands. Also told me he uses Roth entirely for ...
by MotoTrojan
Mon Feb 12, 2018 6:40 pm
Forum: Investing - Help with Personal Investments
Topic: Is it stupid of me to comprise almost all of my portfolio with high dividend funds/etfs?
Replies: 16
Views: 962

Re: Is it stupid of me to comprise almost all of my portfolio with high dividend funds/etfs?

Also are you aware value funds have actually outperformed growth over the long run? Especially small value. I’m very confused at your statement about being okay with half the potential return, solely so you can leave principal untouched. If you really want to be hands-off, sign up for Vanguard’s PAS...
by MotoTrojan
Mon Feb 12, 2018 4:40 pm
Forum: Investing - Help with Personal Investments
Topic: Is it stupid of me to comprise almost all of my portfolio with high dividend funds/etfs?
Replies: 16
Views: 962

Re: Is it stupid of me to comprise almost all of my portfolio with high dividend funds/etfs?

There is no logical reason to do this. Don’t. It seems like you understand why. Any tax-advantaged space? Could use small-cap International for more diversification. Also evaluate your living expenses. At 24 who knows what is to come. I’d keep working in something you enjoy. Kids, wife, medical can ...
by MotoTrojan
Sun Feb 11, 2018 8:30 pm
Forum: Investing - Help with Personal Investments
Topic: Should I get rid of tIRA to enable Roth backdoor?
Replies: 9
Views: 817

Re: Should I get rid of tIRA to enable Roth backdoor?

Generally if you aren’t eligible for a Roth than a tIRA is non-deductible and often considered worse than taxable.
by MotoTrojan
Sun Feb 11, 2018 1:26 pm
Forum: Investing - Help with Personal Investments
Topic: Small,Mid,Sp500 vs total stock market: Vanguard
Replies: 49
Views: 5484

Re: Small,Mid,Sp500 vs total stock market: Vanguard

One very small detail. If you want to slice up the market by size so that you can handle small-caps, mid-caps, and large-caps separately--theoretically an S&P 500 fund is not quite the right choice. In reality any difference is tiny. though. The S&P 500 is not created by choosing the 500 largest-ca...
by MotoTrojan
Sun Feb 11, 2018 1:25 pm
Forum: Investing - Help with Personal Investments
Topic: 401K S&P 500 Index vs. VTSAX
Replies: 4
Views: 373

Re: 401K S&P 500 Index vs. VTSAX

I keep it simple and consider them equivalent. Plus I tilt to small cap value anyway so already over exposed there.

Just hold Total US where you can and enjoy the simplicity.
by MotoTrojan
Sat Feb 10, 2018 3:31 pm
Forum: Investing - Help with Personal Investments
Topic: Small,Mid,Sp500 vs total stock market: Vanguard
Replies: 49
Views: 5484

Re: Small,Mid,Sp500 vs total stock market: Vanguard

One very small detail. If you want to slice up the market by size so that you can handle small-caps, mid-caps, and large-caps separately--theoretically an S&P 500 fund is not quite the right choice. In reality any difference is tiny. though. The S&P 500 is not created by choosing the 500 largest-ca...
by MotoTrojan
Sat Feb 10, 2018 3:28 pm
Forum: Investing - Help with Personal Investments
Topic: Unwise for High-Earner to Contribute to Traditional IRA?
Replies: 20
Views: 1599

Re: Unwise for High-Earner to Contribute to Traditional IRA?

Why not backdoor? Non-deductible is a terrible option, in almost every case taxable is better, but nothing beats the Roth. Do you have deductible Ira assets preventing backdoor? Having said that, with $1/4M a year into taxable, it really doesn’t matter what you do with $5500. Might as well buy bitco...
by MotoTrojan
Fri Feb 09, 2018 11:12 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 5574
Views: 1260757

Re: U.S. stocks in freefall

I bought stocks today, hopefully. My plan in my Fidelity 401K was to exchange 20% of my bonds for total stock market when the market falls 10%, then 30% of remaining bonds at market drop of 20%, and the balance at market drop of > 30%). I missed executing this yesterday, so today I submitted an exc...
by MotoTrojan
Fri Feb 09, 2018 11:10 pm
Forum: Investing - Help with Personal Investments
Topic: incremental backdoor roth?
Replies: 2
Views: 209

Re: incremental backdoor roth?

Theoretically, if I opened up a Vanguard traditional IRA (and contributed my after tax dollars to it) online and after the money posted to that account and converted it to a Roth................could I do it incrementally? Put only 500.00 in? OR for logistics/ease/accounting is it better to do all ...
by MotoTrojan
Fri Feb 09, 2018 7:49 pm
Forum: Investing - Help with Personal Investments
Topic: Market Drop - Good Entry point?
Replies: 9
Views: 1365

Re: Market Drop - Good Entry point?

I would’ve told you two weeks ago was a good time, and I’d stand by that now. With the foresight of the past, I can now tell you now is an even better time. Time in the market, not timing the market. This is fundamental to the Boglehead philosophy. I invest every dollar I reasonably can and then for...