Search found 133 matches

by S17C
Thu Apr 27, 2017 11:06 pm
Forum: Investing - Theory, News & General
Topic: Is not Tax Harvesting usually a wasted opportunity?
Replies: 17
Views: 1781

Re: Is not Tax Harvesting usually a wasted opportunity?

The Tax Harvest gives a credit that lowers taxable income. And that credit is potentially a greater amount than a future Capital Gains tax on the redemption of the investment. Sounds like a win.
by S17C
Thu Apr 27, 2017 1:44 pm
Forum: Investing - Theory, News & General
Topic: Is not Tax Harvesting usually a wasted opportunity?
Replies: 17
Views: 1781

Re: Is not Tax Harvesting usually a wasted opportunity?

How about an investor who invested lump sum in 2006 into S&P, International and a bond fund but hasn't redeemed any shares for the last decade+. Did that investor probably miss out because he or she didn't Tax Harvest along the way?
by S17C
Thu Apr 27, 2017 1:36 pm
Forum: Investing - Theory, News & General
Topic: Is not Tax Harvesting usually a wasted opportunity?
Replies: 17
Views: 1781

Is not Tax Harvesting usually a wasted opportunity?

Many investors share that they Tax Harvest in their taxable accounts. Then there are other investors who have monthly automatic investing set-up and or ignore their investments for long stretches. Say that one mutual fund drops 10% in a month. Some shares holders tax harvest, while some don't even n...
by S17C
Thu Apr 27, 2017 11:40 am
Forum: Investing - Help with Personal Investments
Topic: ETF verses Mutual Funds.
Replies: 37
Views: 1773

Re: ETF verses Mutual Funds.

Do any brokerages offer limit orders on the purchase or sale of mutual funds? Would be beneficial to put in an order with some constraints.
by S17C
Mon Apr 24, 2017 11:51 am
Forum: Investing - Theory, News & General
Topic: Morningstar rating: S&P 5-stars, but TSM 4-stars?
Replies: 10
Views: 1178

Morningstar rating: S&P 5-stars, but TSM 4-stars?

What might account for Morningstar rating TSM (VTSAX) 4-stars compared to S&P (VFIAX) 5 stars?
by S17C
Sat Apr 22, 2017 10:47 am
Forum: Investing - Help with Personal Investments
Topic: What bond index recommendations for $10K in Roth IRA?
Replies: 11
Views: 1007

Re: What bond index recommendations for $10K in Roth IRA?

Would Total Bond Index (FSITX) be a good bond investment for the next few years, or would rising interest rates make it potentially stagnant?
by S17C
Fri Apr 21, 2017 11:05 pm
Forum: Investing - Help with Personal Investments
Topic: What bond index recommendations for $10K in Roth IRA?
Replies: 11
Views: 1007

Re: What bond index recommendations for $10K in Roth IRA?

This is part of my Sleep Well At Night money I'd rather not risk to equities. The rest of my portfolio is currently 60/40 (CDs).
by S17C
Fri Apr 21, 2017 10:54 pm
Forum: Investing - Help with Personal Investments
Topic: What bond index recommendations for $10K in Roth IRA?
Replies: 11
Views: 1007

What bond index recommendations for $10K in Roth IRA?

I have $10K CD maturing May 1st in my Roth IRA at Fidelity. I would like to keep the new investment bond-like and not risk it in equity. These funds won't be touched for 25+ years. I can get a guaranteed 2.75% per year by purchasing another 10-year non-callable Brokered CD. Is any high-quality bond ...
by S17C
Fri Apr 21, 2017 3:03 pm
Forum: Investing - Help with Personal Investments
Topic: SP500, Russel 2000 and mid caps?
Replies: 24
Views: 1771

Re: SP500, Russel 2000 and mid caps?

Interesting thread. Learning from the posts!
by S17C
Thu Apr 20, 2017 9:26 pm
Forum: Investing - Theory, News & General
Topic: [Why did my fund suddenly drop in value?]
Replies: 192
Views: 50070

Re: [Why did my fund suddenly drop in value?]

I'm new to mutual funds and don't understand this: I bought a $10,000 mutual fund and soon after a dividend was paid (reinvested). The price of the shares dropped but I still have $10,000 in current value. However, it says I have about a $100 total loss on that mutual fund. If I sold all those share...
by S17C
Thu Apr 20, 2017 4:39 pm
Forum: Investing - Theory, News & General
Topic: How inefficient is it to hold Total Bond Index in a taxable account?
Replies: 34
Views: 4176

How inefficient is it to hold Total Bond Index in a taxable account?

Say that young investor in the 28% Federal tax bracket with $100K in maturing CDs wants an AA of 60/40, but hypothetically has no retirement accounts. There is only room for $5500 to put that bond index into a new IRA account. The other $34,500 of VTBLX (Total Bond Index) would go into a taxable acc...
by S17C
Thu Apr 20, 2017 4:16 pm
Forum: Personal Finance (Not Investing)
Topic: Any retired investors take a part-time/seasonal job just to qualify for Roth IRA contributions?
Replies: 3
Views: 728

Any retired investors take a part-time/seasonal job just to qualify for Roth IRA contributions?

I'm wondering if retired investors specifically take a part-time or seasonal job just so that they qualify to contribute to Roth IRA?
by S17C
Wed Apr 19, 2017 10:37 am
Forum: Investing - Theory, News & General
Topic: Selling Mutual Fund shares - watch ETF prices at 3:45pm?
Replies: 19
Views: 1990

Re: Selling Mutual Fund shares - watch ETF prices at 3:45pm?

dbr wrote:As others say, watching quotes to decide to sell or not sell makes no sense.

Why are you selling anyway?

Just learning. Wondering if mutual fund investors hold-off orders until near the end of the day.
by S17C
Wed Apr 19, 2017 1:07 am
Forum: Investing - Theory, News & General
Topic: Selling Mutual Fund shares - watch ETF prices at 3:45pm?
Replies: 19
Views: 1990

Selling Mutual Fund shares - watch ETF prices at 3:45pm?

A mutual fund's price is determined after market closes. Say that an investor wants to sell some shares of a fund and maximize the gain. Does it usually work to watch the price of an ETF related to that mutual fund around 3:45pm Eastern to decide if that's a good day to sell? If the market had been ...
by S17C
Tue Apr 18, 2017 11:59 am
Forum: Investing - Theory, News & General
Topic: question about Approximating TSM by adding Extended Market
Replies: 2
Views: 254

question about Approximating TSM by adding Extended Market

Quick question about the wiki "Approximating TSM" https://www.bogleheads.org/wiki/Approximating_total_stock_market If must use two or three funds to approximate TSM, then do they need periodic rebalancing? For example, the wiki says to use weightings of 81% S&P + 19% Extended Market. A...
by S17C
Mon Apr 17, 2017 2:10 pm
Forum: Investing - Help with Personal Investments
Topic: Roth IRA: $10K in CD vs Bond Fund?
Replies: 2
Views: 270

Re: Roth IRA: $10K in CD vs Bond Fund?

Good idea to consider rebalancing in the future. Thank you.
by S17C
Mon Apr 17, 2017 2:02 pm
Forum: Investing - Help with Personal Investments
Topic: Roth IRA: $10K in CD vs Bond Fund?
Replies: 2
Views: 270

Roth IRA: $10K in CD vs Bond Fund?

I'm mid-career and won't access my Roth IRA funds for at least 25+ years. With $10K available to invest in my Roth IRA into new bond investments, I have choice between 10-year non-callable CD at 2.75% or a bond fund like US Bond Index (FSITX, Premium Class .05%). Which one to invest all $10K? Or I c...
by S17C
Sun Apr 16, 2017 6:07 pm
Forum: Investing - Theory, News & General
Topic: Investors backing off their equity AA primarily due to 8-year bull market?
Replies: 56
Views: 4565

Investors backing off their equity AA primarily due to 8-year bull market?

I haven't been following market news. Is there a growing trend of investors backing off their equity AA, stopping auto-investment in equity or even selling equity shares, primarily because of the 8-year bull market? Not because they are needing the money anytime soon.
by S17C
Sun Apr 16, 2017 2:54 pm
Forum: Personal Consumer Issues
Topic: radio alarm clock that projects the time on the wall or ceiling
Replies: 18
Views: 1442

Re: radio alarm clock that projects the time on the wall or ceiling

Could also use a digital watch that announces the time aloud with the push of a button (unless someone else's sleep would be disturbed).
by S17C
Tue Apr 11, 2017 12:37 am
Forum: Investing - Theory, News & General
Topic: NBC News: First Pot-Focused Fund Lets Americans Legally Invest In Hot Biz
Replies: 13
Views: 1704

Re: NBC News: First Pot-Focused Fund Lets Americans Legally Invest In Hot Biz

[unamusing wording I'd prefer not to repeat]

Canadians are bringing a new meaning to getting high with the world's first marijuana-focused exchange-traded fund...
by S17C
Sat Apr 08, 2017 12:51 pm
Forum: Investing - Help with Personal Investments
Topic: Two fund allocation?
Replies: 11
Views: 1487

Re: Two fund allocation?

Hello all, I am considering a VOO (Vanguard 500 Index) and VXUS (Vanguard Total International minus US) asset allocation, with a 75% / 25% breakdown respectively. This would be more of a set-it-and-forget-it account, meaning I'm highly risk tolerant, I don't want to actively manage it, and don't pl...
by S17C
Fri Apr 07, 2017 6:06 pm
Forum: Personal Consumer Issues
Topic: Anyone use Verizon wireless prepaid for cell phones???
Replies: 36
Views: 2438

Re: Anyone use Verizon wireless prepaid for cell phones???

We have been using ATT for years at $100 per year. Calls now cost $0.10 per minute . As a long time customer, your service was probably kept at AT&T's former $0.10 per minute rate. Now it's $0.25 per minute for new customers (from their website): https://www.att.com/shop/wireless/gophone-plans....
by S17C
Fri Apr 07, 2017 5:40 pm
Forum: Personal Consumer Issues
Topic: Anyone use Verizon wireless prepaid for cell phones???
Replies: 36
Views: 2438

Re: Anyone use Verizon wireless prepaid for cell phones???

We have been using ATT for years at $100 per year. Calls now cost $0.10 per minute . As a long time customer, your service was probably kept at AT&T's former $0.10 per minute rate. Now it's $0.25 per minute for new customers (from their website): https://www.att.com/shop/wireless/gophone-plans....
by S17C
Fri Apr 07, 2017 11:28 am
Forum: Investing - Theory, News & General
Topic: Usefulness of bonds for equity investors who don't necessarily want them?
Replies: 50
Views: 2986

Usefulness of bonds for equity investors who don't necessarily want them?

Are bonds still useful for investors who are heavily into equities and not necessarily interested in bonds? Specifically, if the market drops significantly: then those investors have those bonds to sell in order to buy more equities at lower prices. Sacrifice years of maximum equity weight while inv...
by S17C
Wed Apr 05, 2017 10:10 pm
Forum: Investing - Theory, News & General
Topic: TSM's Small Cap composition weight
Replies: 8
Views: 492

Re: TSM's Small Cap composition weight

Thank you for the explanation.
by S17C
Wed Apr 05, 2017 9:52 pm
Forum: Investing - Theory, News & General
Topic: TSM's Small Cap composition weight
Replies: 8
Views: 492

TSM's Small Cap composition weight

Total Stock Market (FSTVX) contains stocks which make up the Small Cap Index.

With no other investments: in order to roughly equal the Small Cap weight of a $10,000 investment in Small Cap Index FSSVX, what approximate dollar amount of TSM would a portfolio need?
by S17C
Wed Apr 05, 2017 4:24 pm
Forum: Investing - Help with Personal Investments
Topic: Feedback on Asset Allocation into three funds 65%/10%/25%
Replies: 10
Views: 1016

Re: Feedback on Asset Allocation into three funds 65%/10%/25%

I'll hold the investment that has a greater overall weight on Small Cap between these two:

$65K S&P FUSVX + $10K Small Cap FSSVX
vs
$75K TSM FSTVX
by S17C
Wed Apr 05, 2017 2:45 pm
Forum: Investing - Help with Personal Investments
Topic: Feedback on Asset Allocation into three funds 65%/10%/25%
Replies: 10
Views: 1016

Re: Feedback on Asset Allocation into three funds 65%/10%/25%

Why do you "really like" the S&P 500 index? Why wouldn't you own TSM, which holds ALL of the S&P500 stocks, plus ALL of the small cap index stocks, plus some mid caps that you're ignoring, but most people like to own? And with less tax drag, as Valuethinker mentioned. Is it becaus...
by S17C
Wed Apr 05, 2017 10:25 am
Forum: Investing - Help with Personal Investments
Topic: Feedback on Asset Allocation into three funds 65%/10%/25%
Replies: 10
Views: 1016

Re: Feedback on Asset Allocation into three funds 65%/10%/25%

How did you decide that S&P 500 plus small cap was a better choice than a total market fund? I really like the S&P Index investment. My thinking is that Small Cap could be used as a supplemental investment that would provide more exposure to Small Cap than TSM. My planned allocation in S&am...
by S17C
Tue Apr 04, 2017 10:56 pm
Forum: Investing - Help with Personal Investments
Topic: Feedback on Asset Allocation into three funds 65%/10%/25%
Replies: 10
Views: 1016

Feedback on Asset Allocation into three funds 65%/10%/25%

I've created my Asset Allocation; I'm interested in feedback. I'm open to adjust the numbers and or investments. I have $100K ready to invest into these three funds: Taxable account : 65% S&P 500 Index ($65K mutual fund FUSVX) 10% Small Cap Index FSSVX ($10K initial purchase) 25% Total Internati...
by S17C
Tue Apr 04, 2017 11:23 am
Forum: Investing - Theory, News & General
Topic: Small Cap Index funds: are they approx. 50% growth & 50% value?
Replies: 13
Views: 1211

Small Cap Index funds: are they approx. 50% growth & 50% value?

I looked at the Morningstar reports for Fidelity's Small Cap Index FSSVX and Vanguard's VSMAX. They are categorized as "Small Blend." Does this mean they are approximately half Small Cap Growth and half Small Cap Value?
by S17C
Mon Apr 03, 2017 1:22 am
Forum: Personal Finance (Not Investing)
Topic: OK to Buy New House?
Replies: 9
Views: 968

Re: OK to Buy New House?

You both are working hard and/or smart for $165K stable income. Get the house that fits your family's current and future needs.
by S17C
Sun Apr 02, 2017 11:47 pm
Forum: Investing - Theory, News & General
Topic: $20K S&P 500 index investment + $20K Small Cap index investment = $40K TSM ??
Replies: 6
Views: 565

Re: $20K S&P 500 index investment + $20K Small Cap index investment = $40K TSM ??

Yes, "more small exposure" is the accurate way to describe the Small Cap added to S&P Index. Thank you.
by S17C
Sun Apr 02, 2017 10:37 pm
Forum: Investing - Theory, News & General
Topic: $20K S&P 500 index investment + $20K Small Cap index investment = $40K TSM ??
Replies: 6
Views: 565

Re: $20K S&P 500 index investment + $20K Small Cap index investment = $40K TSM ??

Thank you, sounds like that means $20K S&P Index + $20K Small Cap is more aggressive of an investment than $40K TSM.
by S17C
Sun Apr 02, 2017 10:11 pm
Forum: Investing - Theory, News & General
Topic: $20K S&P 500 index investment + $20K Small Cap index investment = $40K TSM ??
Replies: 6
Views: 565

$20K S&P 500 index investment + $20K Small Cap index investment = $40K TSM ??

I am new to equity investing. I'm wondering if a $20K investment in S&P 500 index (FSUVX) + $20K investment in Small Cap (FSSVX) = $40K investment in TSM (FSTVX)? Or is the $20K investment in Small Cap (along with a $20K S&P index) more aggressive/riskier than the $40K invested in TSM (FSTVX...
by S17C
Sun Apr 02, 2017 9:18 pm
Forum: Investing - Theory, News & General
Topic: Some 'hints' about brokered CDs
Replies: 15
Views: 1788

Re: Some 'hints' about brokered CDs

I invested into CDs during 2008-2009 (and far too long afterward). 4. The settlement date for new issues can be from a few days to a few weeks in the future. You can place an order for a new issue CD without having the funds in the settlement MM fund if you have existing CDs maturing on or before th...
by S17C
Sun Apr 02, 2017 10:56 am
Forum: Investing - Theory, News & General
Topic: Why Buffet likes S&P 500 Index over a TSM Index Fund?
Replies: 45
Views: 5232

Why Buffet likes S&P 500 Index over a TSM Index Fund?

Why does Buffet (and others) prefer S&P 500 Index over a Total Stock Market index fund?
by S17C
Sun Apr 02, 2017 2:08 am
Forum: Investing - Theory, News & General
Topic: Hypothetical question about fund expense
Replies: 10
Views: 603

Re: Hypothetical question about fund expense

I'm satisfied with David Jay's answer in the second post:
The mutual fund ER will be the same for everyone invested in the same class of mutual fund in the same level of account at the same broker.

Thank you for the replies.
by S17C
Sat Apr 01, 2017 11:06 pm
Forum: Investing - Theory, News & General
Topic: Hypothetical question about fund expense
Replies: 10
Views: 603

Re: Hypothetical question about fund expense

It is a trick question. The difference is that the amount of shares initially purchased may not be in the same proportion as the $$ deposited for purchase. $40,000 may buy slightly more or less than 2x as many shares as $20,000. Therefore the result will be different in a year. I stated in the open...
by S17C
Sat Apr 01, 2017 10:51 pm
Forum: Investing - Theory, News & General
Topic: Hypothetical question about fund expense
Replies: 10
Views: 603

Re: Hypothetical question about fund expense

It does sound like a trick question but if not both the child and the parents combined should have experienced the same fund expenses. Note that we are not discussing any possible account fees. I was just wondering if two individual investments are less/more efficient (with respect to expense) than...
by S17C
Sat Apr 01, 2017 10:14 pm
Forum: Investing - Theory, News & General
Topic: Hypothetical question about fund expense
Replies: 10
Views: 603

Hypothetical question about fund expense

Imagine that a wife invests $20K in FSTVX (expense ratio 0.045%) in a taxable account in her Fidelity brokerage account. The very same morning her spouse pulls another $20K from the joint checking account and he invests $20K in FSTVX (same 0.045% expense) into his taxable account at Fidelity. They b...
by S17C
Sat Apr 01, 2017 10:09 am
Forum: Investing - Help with Personal Investments
Topic: Fidelity advisor said I invested in too much S&P 500 at once for my portfolio; DCA it?
Replies: 75
Views: 3947

Re: Fidelity advisor said I invested in too much S&P 500 at once for my portfolio; DCA it?

What is your age? I think that using regular index mutual funds, rather than ETFs, is a very good idea. I hope you will do your dollar cost averaging over no more than a year or so. Don't string it out too much. Instead of using the S&P 500 fund plus the small-cap index fund, I suggest simply u...
by S17C
Sat Apr 01, 2017 9:39 am
Forum: Investing - Help with Personal Investments
Topic: Fidelity advisor said I invested in too much S&P 500 at once for my portfolio; DCA it?
Replies: 75
Views: 3947

Re: Fidelity advisor said I invested in too much S&P 500 at once for my portfolio; DCA it?

Hi. Thank you for the feedback. I will begin by diversifying that $95K into investments not covered by the S&P Index fund: total international, small cap, total bond, municipal bond fund, in addition to S&P 500 Index contributions. And I'll invest in the mutual funds versions rather than ETF...
by S17C
Sat Apr 01, 2017 12:19 am
Forum: Investing - Theory, News & General
Topic: Does a rise/fall in the stock market affect interest rates?
Replies: 4
Views: 485

Re: Does a rise/fall in the stock market affect interest rates?

Thank you for the article. Remembering back to 2008: interest rates on CDs dropped when the stock market dropped. Not sure if this was due to Fed action. Or maybe investors were fleeing from equities into safer bond investments, which drove down interest rates. In 2013-2015 when the market had rebou...
by S17C
Fri Mar 31, 2017 11:35 pm
Forum: Investing - Theory, News & General
Topic: Does a rise/fall in the stock market affect interest rates?
Replies: 4
Views: 485

Does a rise/fall in the stock market affect interest rates?

I see many articles on the impact that interest rates have on the stock market. However, I am wondering about the reverse: when stock prices rise (or fall), then does that directly affect interest rates in the intermediate term or long-term?
by S17C
Fri Mar 31, 2017 9:46 pm
Forum: Investing - Help with Personal Investments
Topic: Fidelity advisor said I invested in too much S&P 500 at once for my portfolio; DCA it?
Replies: 75
Views: 3947

Re: Fidelity advisor said I invested in too much S&P 500 at once for my portfolio; DCA it?

I decided to DCA this $100K investment, and I will accept it if I don't gain as much in the end by doing it. I sold off about $95K. I ended up selling those shares at total of a $540 short-term gain (minus 2017 taxes). I'm going to invest that $95K in a variety of mutual funds and then add some each...
by S17C
Fri Mar 31, 2017 3:09 pm
Forum: Investing - Help with Personal Investments
Topic: Fidelity advisor said I invested in too much S&P 500 at once for my portfolio; DCA it?
Replies: 75
Views: 3947

Re: Fidelity advisor said I invested in too much S&P 500 at once for my portfolio; DCA it?

If you pull the money out and the market continues to climb for another 2 or 3 years how will that make you feel Good point. Or if you leave it in and we have a 35% Bear market in the next 12 months. Pretty sure that whatever you decide if the market goes the other way you deal with some level of d...

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