Search found 4384 matches

by Noobvestor
Wed Mar 22, 2017 12:06 am
Forum: Investing - Help with Personal Investments
Topic: Does Vanguard have contrarian funds ?
Replies: 25
Views: 1708

Re: Does Vanguard have contrarian funds ?

I am worried about a crash so where can I dump a significant Vanguard portfolio in to once I see signals of a pullback or recession? I do not want to ride out a 20% pullback? Too old! Well if I wanted a 'contrarian' fund at Vanguard for stocks, I'd go with EDV - extended-duration treasuries. Those ...
by Noobvestor
Tue Mar 21, 2017 1:40 am
Forum: Investing - Theory, News & General
Topic: the important asset that many fail to consider in portfolio construction/allocation
Replies: 9
Views: 1642

Re: the important asset that many fail to consider in portfolio construction/allocation

I dunno ... in theory, I could work for a long time and make a lot of money (high human cap), but I've also considered retiring early (low human cap). I guess it's an easier calculation for someone who just assumes they're going to work until X age. For me it's uncertain - I like working, but if I s...
by Noobvestor
Tue Mar 14, 2017 12:01 am
Forum: Investing - Help with Personal Investments
Topic: Move my Traditional IRA from Ameriprise to where?
Replies: 8
Views: 671

Re: Move my Traditional IRA from Ameriprise to where?

1) Yes
2) Yes
3) I like Vanguard. Some people find their customer service lacking. Fidelity is another option.
4) Index mutual funds or ETFs. When in doubt, there are always Target Retirement funds too.

This might help: https://www.bogleheads.org/wiki/Boglehe ... art-up_kit
by Noobvestor
Mon Mar 13, 2017 11:57 pm
Forum: Personal Finance (Not Investing)
Topic: Vanguard - Money Market Funds
Replies: 10
Views: 1425

Re: Vanguard - Money Market Funds

Still too much hassle for me - I'll take lazy over a bit more return on cash.
by Noobvestor
Mon Mar 13, 2017 11:53 pm
Forum: Investing - Help with Personal Investments
Topic: Vang. High Yield Tax Exempt Fund Admiral Shares
Replies: 16
Views: 1123

Re: Vang. High Yield Tax Exempt Fund Admiral Shares

Dear all, 1. I purchased a lot of shares in this fund last July, when shares were at their highest. As of now, I get monthly income from this fund but all in all, I lost nearly 5K. It's down about 60 cent a share and has not really moved in the last 3-4 months. Should I keep this fund or get rid of...
by Noobvestor
Sun Mar 12, 2017 10:37 pm
Forum: Investing - Theory, News & General
Topic: Estimated Quarterly Tax Payments and Capital Gains Distributions
Replies: 8
Views: 600

Re: Estimated Quarterly Tax Payments and Capital Gains Distributions

If you use the prior year taxes as a guide and pay estimated taxes of the same amount in equal payments (or 110% if AGI>150K in prior yr), you will meet the "safe harbor" conditions and will not be penalized even if income /taxes in current yr are higher. Of course, there will be a balanc...
by Noobvestor
Sun Mar 12, 2017 3:57 pm
Forum: Investing - Theory, News & General
Topic: Estimated Quarterly Tax Payments and Capital Gains Distributions
Replies: 8
Views: 600

Re: Estimated Quarterly Tax Payments and Capital Gains Distributions

Hello! As I begin retirement planning, I am wondering how to handle estimated quarterly tax payments. I will receive interest, dividends, and capital gains on my funds. It appears that if I do not pay sufficient estimated quarterly tax, I would pay a penalty. How are capital gains handled when payi...
by Noobvestor
Sun Mar 12, 2017 3:35 pm
Forum: Investing - Help with Personal Investments
Topic: Updated portfolio review (2 years later)
Replies: 4
Views: 775

Re: Updated portfolio review (2 years later)

Thanks for the input Noob. I appreciate it. Just to clarify, the 401K list is just available funds. My entire 401K is Vanguard Retirement 2020. My question regarding the 401K was that that fund has a higher expense ratio, so with that kind of balance, perhaps I shroud split the investments into fun...
by Noobvestor
Sat Mar 11, 2017 3:35 am
Forum: Investing - Help with Personal Investments
Topic: New to investment and need help! Thank you!
Replies: 18
Views: 790

Re: New to investment and need help! Thank you!

Thank you for your quick response! Actively managed funds and targeted-date funds are the same? Or do you mean Thomas Partners? Actively-managed funds with high expense ratios (over .20% to keep it simple) are just not going to help your cause. Target-date funds are sometimes slightly more expensiv...
by Noobvestor
Sat Mar 11, 2017 3:28 am
Forum: Investing - Help with Personal Investments
Topic: Vanguard vs. Schwab vs. T. Rowe Price vs. Fidelity
Replies: 24
Views: 2152

Re: Vanguard vs. Schwab vs. T. Rowe Price vs. Fidelity

I have some extra saving I would like to put into investment. I am a newbie into investment. 1. vanguard vs. Schwab vs. T.Rowe Price vs. Fidelity,which one should I with? Fidelity has the tax deferred annuity which gives me a tax break as I am in the high tax bracket. 2. Which portfolio should I go...
by Noobvestor
Sat Mar 11, 2017 3:12 am
Forum: Investing - Help with Personal Investments
Topic: ETF Bond Fund for Roth IRA
Replies: 3
Views: 379

Re: ETF Bond Fund for Roth IRA

I'm a Vanguard man, so consider me biased, but I like Total Bond (I think it's BND as an ETF).
by Noobvestor
Sat Mar 11, 2017 3:11 am
Forum: Personal Finance (Not Investing)
Topic: Vanguard taxable - changes?
Replies: 3
Views: 663

Re: Vanguard taxable - changes?

Pretty sure they're forcing the upgrade on everyone. I haven't had any issues myself.
by Noobvestor
Sat Mar 11, 2017 3:09 am
Forum: Investing - Help with Personal Investments
Topic: Life Changes Warrant Portfolio Check (Divorce, Salary Cut, Better 401k)
Replies: 1
Views: 339

Re: Life Changes Warrant Portfolio Check (Divorce, Salary Cut, Better 401k)

As with most portfolios these days (all hail the great decade in US stocks!) you seem light on international (it's 50% of the market). There are some odds and ends you don't need, like Extended Market (why not just Small Cap or Small Cap Value?) and High Dividend Yield (why not Value or Total Stock?...
by Noobvestor
Sat Mar 11, 2017 3:02 am
Forum: Investing - Help with Personal Investments
Topic: Vanguard All-in-one to 3 fund portfolio: advice for planning?
Replies: 2
Views: 571

Re: Vanguard All-in-one to 3 fund portfolio: advice for planning?

1. Hard to say. For that horizon you should be leaning toward bonds. 2. Vanguard Total Stock and Vanguard Total International are both good in taxable. There's some quibbles about foreign tax credits, etc... and some suggest International if you're on the fence. 3. I'd be reluctant to populate the R...
by Noobvestor
Sat Mar 11, 2017 2:54 am
Forum: Investing - Help with Personal Investments
Topic: Updated portfolio review (2 years later)
Replies: 4
Views: 775

Re: Updated portfolio review (2 years later)

1. Her IRA doesn't really need short-term or international bonds, but whatever. 2. Lots of confusion in the 401ks - bunch of overlapping funds - why not simplify? 3. I'd sell the individual stock - it's done well, cash in and consider yourself lucky. 4. If the cash is for a short-term project it's n...
by Noobvestor
Sat Mar 11, 2017 2:45 am
Forum: Investing - Help with Personal Investments
Topic: New to investment and need help! Thank you!
Replies: 18
Views: 790

Re: New to investment and need help! Thank you!

1) ETFs versus mutual funds is virtually apples to apples - doesn't really matter - but your Schwab holdings right now are too complex 2) In your taxable account, stick to total-stock and total-international funds, maybe intermediate-term tax-exempt bonds 3) Stock/bond allocation is up to you. Age-i...
by Noobvestor
Sat Mar 11, 2017 2:34 am
Forum: Investing - Help with Personal Investments
Topic: AQR in 401k
Replies: 4
Views: 328

Re: AQR in 401k

I am one of the trustees of our small company 401k. I believe that we have access to AQR through our platform but we do not currently use any of their funds in our menu. I don't know if the minimum investment available to us is practical either as I've not investigated that. That said, is there an ...
by Noobvestor
Mon Mar 06, 2017 2:45 am
Forum: Investing - Theory, News & General
Topic: international bonds a good idea?
Replies: 20
Views: 1748

Re: international bonds a good idea?

No benefit I can see but I also would accept them if I were trying to simplify with a fund-of-funds (like a Target Date fund).
by Noobvestor
Sun Mar 05, 2017 3:13 am
Forum: Investing - Help with Personal Investments
Topic: Portfolio & Financial Health Check
Replies: 2
Views: 369

Re: Portfolio & Financial Health Check

1) Looks good. I'd sell the company stock ASAP, but that's just me (double-down risk). 2) Could use I Bonds for some of the taxable space (tax-deferred until you cash them in) 3) You might eek out small gains by avoiding Target Date funds depending on what's available. Breaking those up might also a...
by Noobvestor
Sun Mar 05, 2017 2:49 am
Forum: Investing - Help with Personal Investments
Topic: Swensen - Why does he recommend Emerging Markets and Developed Markets for Int'l?
Replies: 11
Views: 1182

Re: Swenson - Why does he recommend Emerging Markets and Developed Markets for Int'l?

Could be to tilt toward EM, but it doesn't look like it. Could also be to get some kind of rebalancing 'bonus'. Doesn't seem important tho.
by Noobvestor
Wed Mar 01, 2017 2:11 am
Forum: Investing - Theory, News & General
Topic: Treating I-Bonds as Long-term Bond Holdings
Replies: 19
Views: 2027

Re: Treating I-Bonds as Long-term Bond Holdings

I don't know if they'd be the 'last' bonds I would sell. Part of their value is the flexibility of cashing them in. For instance, I might cash some in during a lower-tax phase of life (e.g. after retirement but before SS). The rest I largely agree with, though.
by Noobvestor
Mon Feb 27, 2017 8:30 pm
Forum: Investing - Theory, News & General
Topic: Why has Vanguard increased International Stock and International Bond in Balanced Funds and Portfolio Recommendations?
Replies: 33
Views: 3965

Re: Why has Vanguard increased International Stock and International Bond in Balanced Funds and Portfolio Recommendation

It can't do this with currency risk, because there isn't a unified one-currency world market and not all participants need to take that risk. I don't need to take currency risk in order to invest in Vanguard Total [US] Stock, a German investor does. Why should US investors "price in" some...
by Noobvestor
Mon Feb 27, 2017 2:31 am
Forum: Investing - Theory, News & General
Topic: Why has Vanguard increased International Stock and International Bond in Balanced Funds and Portfolio Recommendations?
Replies: 33
Views: 3965

Re: Why has Vanguard increased International Stock and International Bond in Balanced Funds and Portfolio Recommendation

Lots of answers already given cover much of what I would say. I would just like to add, though, that people who go back and forth on this, or call it a trend or whatnot ... the thing is: the global market is cheaply and easily accessible now in a way it wasn't not that long ago. There's no need to d...
by Noobvestor
Thu Feb 23, 2017 2:01 pm
Forum: Investing - Help with Personal Investments
Topic: Where to put bonds with only a Taxable Account & IRAs?
Replies: 9
Views: 895

Re: Where to put bonds with only a Taxable Account & IRAs?

Consider IBonds as part of your fixed income allocation. These are no-risk, inflation-protected government bonds. There a few simple rules about owning and redeeming them. You can hold them for several years or several decades: your choice. These will expand your tax-deferred space. You pay federal...
by Noobvestor
Tue Feb 21, 2017 3:46 pm
Forum: Investing - Help with Personal Investments
Topic: Long term treasury ? Pros and Cons
Replies: 15
Views: 1050

Re: Long term treasury ? Pros and Cons

But does barbelling here make sense? Seems like the anti-sweet spot to me, if you want intermediate-term exposure on average. I'd need to think more about it and check more data, but on a very quick check the last ~15 years: https://www.portfoliovisualizer.com/backtest-portfolio?s=y&s=y&tim...
by Noobvestor
Tue Feb 21, 2017 3:08 am
Forum: Investing - Help with Personal Investments
Topic: Long term treasury ? Pros and Cons
Replies: 15
Views: 1050

Re: Long term treasury ? Pros and Cons

I agree w/Dancer - I see the appeal of long bonds to hedge downturns, but you can barbell and get some of each: short bonds that will hold up to inflation and long bonds that will help with deflation, all at an average duration that is somewhat more reasonable than just long bonds. I personally stic...
by Noobvestor
Wed Feb 15, 2017 10:33 pm
Forum: Investing - Help with Personal Investments
Topic: Roth vs. Traditional 401(k) for someone with LOTS in taxable?
Replies: 41
Views: 2545

Re: Roth vs. Traditional 401(k) for someone with LOTS in taxable?

Another way to develop an understanding is to work through the Schedule D worksheet or Capital Gain and Qualified Dividends worksheet, and pay careful attention to how the numbers that are taxed at 15% (QD & LTCG and ordinary income) change as you add income. If the article Kevin M referenced d...
by Noobvestor
Wed Feb 15, 2017 10:23 pm
Forum: Investing - Theory, News & General
Topic: C corp investment strategy
Replies: 11
Views: 676

Re: C corp investment strategy

I can't speak to C-corp taxation strategies, but I would be sleepless with so much riding on one company They own a business. The big Apple position is like a very successful division. Why would business people stay up nights worrying about the possibility of a successful division of their company ...
by Noobvestor
Wed Feb 15, 2017 10:18 pm
Forum: Investing - Help with Personal Investments
Topic: why invest internationally?
Replies: 72
Views: 3571

Re: why invest internationally?

So are you investing in Australian and South African stocks? Or are you hoping that Japan, the U.K., and France will carry the day over the next decade? I have a globally diversified portfolio, including all of the countries mentioned and many others. I do not only invest in the particular countrie...
by Noobvestor
Tue Feb 14, 2017 11:20 pm
Forum: Investing - Theory, News & General
Topic: C corp investment strategy
Replies: 11
Views: 676

Re: C corp investment strategy

Thanks for the reply. The only reason we're not sleepless is because we were never really counting on this to begin with, for better or worse, the investment account has never been factored into our business plans. Yeah, maybe selling across multiple tax years so we don't have to either issue a lar...
by Noobvestor
Tue Feb 14, 2017 10:05 pm
Forum: Investing - Help with Personal Investments
Topic: Portfolio Advice
Replies: 4
Views: 581

Re: Portfolio Advice

Hard to say much without knowing expense ratios, but a target date fund probably makes sense for the 401k. Would recommend bonds and international diversification in general, given everything right now is in US stocks. I don't see any need, though, to change what's in the taxable account and add tax...
by Noobvestor
Tue Feb 14, 2017 10:01 pm
Forum: Investing - Theory, News & General
Topic: C corp investment strategy
Replies: 11
Views: 676

Re: C corp investment strategy

I can't speak to C-corp taxation strategies, but I would be sleepless with so much riding on one company, especially (bias alert) a company that can't seem to think of anything more innovative these days than paying out dividends. What does the tax bullet look like if you just sell it all? I can't i...
by Noobvestor
Tue Feb 14, 2017 8:50 pm
Forum: Investing - Help with Personal Investments
Topic: Roth vs. Traditional 401(k) for someone with LOTS in taxable?
Replies: 41
Views: 2545

Re: Roth vs. Traditional 401(k) for someone with LOTS in taxable?

Re: highest growth in Roth - OK, sold. If your properly adjust for risk, it does not matter whether highest growth is in Roth or traditional. Read this: Tax-adjusted asset allocation - Bogleheads . You have 100% of the risk of stocks in Roth, while in tax-deferred your risk is less, because the gov...
by Noobvestor
Mon Feb 13, 2017 10:10 pm
Forum: Investing - Help with Personal Investments
Topic: How Much Cash Do You Actually Hold?
Replies: 110
Views: 10648

Re: How Much Cash Do You Actually Hold?

Cash is a zero-duration bond for me, so I hold it at variable amounts depending on target bond duration. The idea of it as a separate asset class is a bit weird to me personally, unless you're thinking of it as being outside a long-term portfolio (e.g. an emergency fund). Right now cash yields are a...
by Noobvestor
Mon Feb 13, 2017 9:34 pm
Forum: Investing - Help with Personal Investments
Topic: Moving to Nevada - Wait or Sell Equities?
Replies: 5
Views: 656

Re: Moving to Nevada - Wait or Sell Equities?

As you say, the market can move that much in a day. If it's all equities and it's going to be used in the next year, I'd sell sell sell - for that horizon, all (if any) equities is really not appropriate. On the plus side, equities have done well recently, so you should be able to offset those taxes...
by Noobvestor
Mon Feb 13, 2017 9:26 pm
Forum: Investing - Help with Personal Investments
Topic: Roth vs. Traditional 401(k) for someone with LOTS in taxable?
Replies: 41
Views: 2545

Re: Roth vs. Traditional 401(k) for someone with LOTS in taxable?

I spent way too long thinking about this, and reading that article over. But I think I can picture it now. You put an (ordinary income) dollar in the stack below the line. It gets taxed at 15%. But it also pushes the whole stack up, and another (different, cap gains) $1 that was being taxed at 0% is...
by Noobvestor
Mon Feb 13, 2017 7:43 pm
Forum: Investing - Help with Personal Investments
Topic: Roth vs. Traditional 401(k) for someone with LOTS in taxable?
Replies: 41
Views: 2545

Re: Roth vs. Traditional 401(k) for someone with LOTS in taxable?

For MFJ under 65 and no dependents, traditional may still be better for most (in that $1,000,000 is needed to generate $40K/yr at which the marginal rate hits 15%). Of course all this assumes current tax law.... Current takeaways: 1) I should probably get married. 2) I don't understand marginal tax...
by Noobvestor
Mon Feb 13, 2017 7:24 pm
Forum: Investing - Help with Personal Investments
Topic: Roth vs. Traditional 401(k) for someone with LOTS in taxable?
Replies: 41
Views: 2545

Re: Roth vs. Traditional 401(k) for someone with LOTS in taxable?

Do you have records for the share costs? Ultimately the IRS holds you responsible for the correct basis, covered or not covered. Fidelity will let you provide your own share bases if Fidelity doesn't have them. The 1099 that goes to the IRS won't list uncovered share bases, but Fidelity's tools wil...
by Noobvestor
Mon Feb 13, 2017 7:12 pm
Forum: Investing - Help with Personal Investments
Topic: Roth vs. Traditional 401(k) for someone with LOTS in taxable?
Replies: 41
Views: 2545

Re: Roth vs. Traditional 401(k) for someone with LOTS in taxable?

Sorry - it does say that in cells P59:P60 and I'm just used to doing it without thinking.... No worries - I should have read around to see. Very steep learning curve for me on (non-trivial) spreadsheets. Cell Q6 in the spreadsheet. Got it. Great question. The answer lies in the Qualified Dividends ...
by Noobvestor
Mon Feb 13, 2017 6:00 pm
Forum: Investing - Help with Personal Investments
Topic: why invest internationally?
Replies: 72
Views: 3571

Re: why invest internationally?

Hasn't Mr. Bogle made claims that there's really no need to own International Stocks?? I thought it was documented that he thought it best to own American based investments, is this true? If you had 50k in 1980, 1985, and 1990, and you invested 100% in American owned funds versus another person inv...
by Noobvestor
Mon Feb 13, 2017 4:45 pm
Forum: Investing - Help with Personal Investments
Topic: Roth vs. Traditional 401(k) for someone with LOTS in taxable?
Replies: 41
Views: 2545

Re: Roth vs. Traditional 401(k) for someone with LOTS in taxable?

In short: I'm scared of tax lots. Prior to the advent of "covered shares", there was some justification for that. If you don't have any shares more than a couple of years old, then the brokerage holding them has your cost basis and selling your "high cost basis" shares first is ...
by Noobvestor
Mon Feb 13, 2017 4:33 pm
Forum: Investing - Help with Personal Investments
Topic: Roth vs. Traditional 401(k) for someone with LOTS in taxable?
Replies: 41
Views: 2545

Re: Roth vs. Traditional 401(k) for someone with LOTS in taxable?

ready outlined in bold) and set* Data>What-If Analysis>Data Table>Column Input Cell to B25 Whew. That took me longer than it should have. Had to unprotect the sheet - got hung up for a bit. Got it now. The tIRA withdrawal is taxed at 10% once you exceed the standard deduction + personal exemption o...
by Noobvestor
Mon Feb 13, 2017 4:29 pm
Forum: Investing - Help with Personal Investments
Topic: Roth vs. Traditional 401(k) for someone with LOTS in taxable?
Replies: 41
Views: 2545

Re: Roth vs. Traditional 401(k) for someone with LOTS in taxable?

SEP IRA AND 401k contribution? Do you have two jobs? More or less. I have a business I run on the side - the SEP is tied to that. In most cases, you can put away more money with Individual / Solo 401K versus SEP IRA. You may want to look into this. From what I understand it would be the same in eac...
by Noobvestor
Mon Feb 13, 2017 1:08 am
Forum: Local Chapters and Bogleheads Community
Topic: Your USER NAME...what does it mean?
Replies: 290
Views: 12925

Re: Your USER NAME...what does it mean?

It means I lack foresight.
by Noobvestor
Mon Feb 13, 2017 12:59 am
Forum: Forum Issues and Administration
Topic: Site OFFLINE TODAY, Saturday, at 4 PM Eastern (21:00 UTC)
Replies: 32
Views: 2414

Re: relocation [Bogleheads website temporarily relocated]

Good question, as an engineer would have the same questions for an investing forum, e.g. What does Index fund mean? :) Here you go: What is a Colocation Facility? Update: I corrected the thread title to say that the website has moved to a different server. That is interesting, I imagined a home ser...
by Noobvestor
Mon Feb 13, 2017 12:47 am
Forum: Investing - Help with Personal Investments
Topic: Roth vs. Traditional 401(k) for someone with LOTS in taxable?
Replies: 41
Views: 2545

Re: Roth vs. Traditional 401(k) for someone with LOTS in taxable?

Holy smokes folks - this is a rabbit hole and a half. Thanks all for the responses! I just spent half an afternoon combing through links in this thread and tooling over spreadsheets. I'm ... having serious doubts about this whole Roth 401(k) thing now. Inline responses below, but big picture: 1) Pro...
by Noobvestor
Sun Feb 12, 2017 4:27 am
Forum: Investing - Help with Personal Investments
Topic: Putting 1 million to work short term (3-4 years))
Replies: 14
Views: 2549

Re: Putting 1 million to work short term (3-4 years))

Don't forget that half the market is international (50/50 Total Stock/Total International is a good starting point). Sounds like a good plan re:splitting house savings from portfolio pieces. I'm right there with you, meanwhile, on Cali taxes. moved here from a high-tax state too. sigh. Munis have ri...
by Noobvestor
Sun Feb 12, 2017 3:41 am
Forum: Investing - Help with Personal Investments
Topic: Roth vs. Traditional 401(k) for someone with LOTS in taxable?
Replies: 41
Views: 2545

Re: Roth vs. Traditional 401(k) for someone with LOTS in taxable?

If you never contributed another dollar to a traditional account, what do expect your marginal withdrawal rate would be? See post Agrument for ROTH 401K - Bogleheads.org for a similar analysis. You'll have to put some numbers to it unless you want to save time and just flip a coin. ;) Thanks for re...
by Noobvestor
Sat Feb 11, 2017 8:57 pm
Forum: Investing - Help with Personal Investments
Topic: Putting 1 million to work short term (3-4 years))
Replies: 14
Views: 2549

Re: Putting 1 million to work short term (3-4 years))

You could treat whatever you have coming in the future (that $800K, give or take) as either (a) non-existent or (b) stock (i.e. high risk) and factor your portfolio accordingly. Anything you're going to spend soon on a house should probably stay in cash or CDs, not treated as an investment. The ques...
by Noobvestor
Sat Feb 11, 2017 8:32 pm
Forum: Investing - Help with Personal Investments
Topic: Roth vs. Traditional 401(k) for someone with LOTS in taxable?
Replies: 41
Views: 2545

Roth vs. Traditional 401(k) for someone with LOTS in taxable?

So I've been revisiting the question of Roth vs. Traditional and reading a lot of threads, running numbers, etc... but my situation is a bit different from what most people are talking about. Basically, I'm slowly moving as much money as possible from taxable accounts to retirement accounts and tax-...

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