Search found 723 matches

by TIAX
Fri Jun 23, 2017 8:18 am
Forum: Investing - Theory, News & General
Topic: Vanguard - Int. Muni or Total Muni
Replies: 10
Views: 607

Re: Vanguard - Int. Muni or Total Muni

ZenInvestor wrote:
indexfundfan wrote:The mutual fund VTEAX currently has a 0.25% purchase fee.


Yup. Break even is between 2-3 years at current ER's. My holding period is infinite. Or at least 30 - 50 years.

Not quite right. The purchase fee is paid into the fund so you have the benefit of others investors' purchase fees.
by TIAX
Wed Jun 21, 2017 8:49 pm
Forum: Investing - Help with Personal Investments
Topic: Need to find Loaded Index Funds
Replies: 64
Views: 3379

Re: Need to find Loaded Index Funds

How would your employer find out if you opened a Vanguard account? Right, they wouldn't. Don't be a sheep.
by TIAX
Tue Jun 20, 2017 10:01 pm
Forum: Investing - Help with Personal Investments
Topic: Unsure where to start with 401k choices
Replies: 12
Views: 567

Re: Unsure where to start with 401k choices

Those bond funds aren't great so if you have access to a better fund somewhere else (like an IRA, HSA, or taxable account), I would go 100% Vanguard Institutional Index Fund(VINIX)(0.04%).
by TIAX
Mon Jun 19, 2017 11:47 pm
Forum: Investing - Theory, News & General
Topic: "Find out if your fund is declaring a quarterly dividend in June."
Replies: 32
Views: 4033

Re: "Find out if your fund is declaring a quarterly dividend in June."

Is there any reason why Vanguard doesn't distribute dividends from all funds on a single day instead of making us check three separate days plus the last day of the month (for the standard bond fund and money market interest distributions)? I like that funds have different dates because sometimes t...
by TIAX
Sun Jun 18, 2017 10:51 am
Forum: Personal Finance (Not Investing)
Topic: So sick of it! [Paying off student loans]
Replies: 42
Views: 6099

Re: So sick of it! [Paying off student loans]

There's only one question you need to ask yourself when deciding where to allocate your resources - which investment has a higher (risk-adjusted) return. Paying off a 2% student loan early is a terrible idea. You can, for example, buy an FDIC insured 5 year CD with a higher return. Contribute toward...
by TIAX
Sun Jun 18, 2017 10:21 am
Forum: Personal Finance (Not Investing)
Topic: Fiduciary Rule and its impact towards a 401k plan as the trustee
Replies: 8
Views: 494

Re: Fiduciary Rule and its impact towards a 401k plan as the trustee

You do have a duty to monitor plan investments but since the whole point of an index fund is to market, a fiduciary shouldn't care whether the index fund goes up or down with the market but may have a duty to ensure the fund is tracking the index, whether there is a less expensive index fund that t...
by TIAX
Sun Jun 18, 2017 10:02 am
Forum: Personal Finance (Not Investing)
Topic: Fiduciary Rule and its impact towards a 401k plan as the trustee
Replies: 8
Views: 494

Re: Fiduciary Rule and its impact towards a 401k plan as the trustee

You do have a duty to monitor plan investments but since the whole point of an index fund is to track the market, a fiduciary shouldn't care whether the index fund goes up or down with the market but may have a duty to ensure the fund is tracking the index, whether there is a less expensive index fu...
by TIAX
Thu Jun 15, 2017 11:53 am
Forum: Investing - Theory, News & General
Topic: International without the currency risk
Replies: 5
Views: 450

Re: International without the currency risk

Hedging isn't free, you are guaranteed to pay the costs of hedging. Currency risks go both ways, if the dollar gets weaker you wouldn't want to be hedged. Hedging is basically free. Look up "Futures Arbitrage" or "Zero Cost Collar". The market for hedging this type of risk is so...
by TIAX
Thu Jun 15, 2017 11:35 am
Forum: Investing - Theory, News & General
Topic: International without the currency risk
Replies: 5
Views: 450

Re: International without the currency risk

There are plenty of USD-hedged international funds. See the Bogleheads thread U.S. Dollar Hedged International Index Funds
by TIAX
Thu Jun 15, 2017 11:27 am
Forum: Investing - Help with Personal Investments
Topic: Can we discuss Investment Order
Replies: 22
Views: 2390

Re: Can we discuss Investment Order

pulled from returns: 6.45% NY marginal tax rate; 9% NYC rate There is no 9% NYC tax rate . My tax form reads 8.90% effective tax rate for state & city. Form IT-201. Your post makes it sound like 9% is the NYC rate (not NYC+state combined). In any case, your effective rate (which isn't on any ta...
by TIAX
Thu Jun 15, 2017 11:00 am
Forum: Personal Finance (Not Investing)
Topic: How many of you have rentals (i.e. you're a landlord)? Are they worth it?
Replies: 74
Views: 5009

Re: How many of you have rentals (i.e. you're a landlord)? Are they worth it?

Why so many Bogleheads have rental properties? If anyone suggests buying a single stock (which may, for example, be a REIT with thousands of properties), Bogleheads would recommend a REIT fund (or a total market fund) instead. How is a single rental property better than a REIT or a REIT fund? Two d...
by TIAX
Thu Jun 15, 2017 5:54 am
Forum: Personal Finance (Not Investing)
Topic: How many of you have rentals (i.e. you're a landlord)? Are they worth it?
Replies: 74
Views: 5009

Re: How many of you have rentals (i.e. you're a landlord)? Are they worth it?

Why so many Bogleheads have rental properties? If anyone suggests buying a single stock (which may, for example, be a REIT with thousands of properties), Bogleheads would recommend a REIT fund (or a total market fund) instead. How is a single rental property better than a REIT or a REIT fund?
by TIAX
Thu Jun 15, 2017 5:09 am
Forum: Investing - Help with Personal Investments
Topic: Looking for safe ETFs for 200K cash sitting in brokerage accounts.
Replies: 38
Views: 4564

Re: Looking for safe ETFs for 200K cash sitting in brokerage accounts.

I'm in my mid 30's and don't need the money. Just a little update on what I did. ... I'm in my late 30's so I have a long time horizon here so I could wait out any corrections in the market. ... ...you can't time the market and I don't want to be looking back a few years from now saying what the he...
by TIAX
Thu Jun 15, 2017 4:33 am
Forum: Investing - Help with Personal Investments
Topic: Can we discuss Investment Order
Replies: 22
Views: 2390

Re: Can we discuss Investment Order

KATNYC wrote:pulled from returns: 6.45% NY marginal tax rate; 9% NYC rate

There is no 9% NYC tax rate.
by TIAX
Mon Jun 12, 2017 10:35 pm
Forum: Investing - Help with Personal Investments
Topic: Employer is not contributing to 401k — better to just contribute to my own IRA and Roth?
Replies: 21
Views: 950

Re: Employer is not contributing to 401k — better to just contribute to my own IRA and Roth?

How hard is it to provide your marginal tax rate (state and federal) and options for your wife and your 401(k) including expense ratios? You won't get any useful responses otherwise.
by TIAX
Wed Jun 07, 2017 11:05 am
Forum: Investing - Help with Personal Investments
Topic: Fidelity 529 - Where's the Love?
Replies: 19
Views: 1663

Re: Fidelity 529 - Where's the Love?

Thank you, TIAX, for your response. I never heard of this concept [securities lending] and just read the Boglehead Wiki on it (and still don't understand it.) But generally, would it then be better to invest in a fund that has a lower ratio for securities lending? For example, the S&P 500 is on...
by TIAX
Wed Jun 07, 2017 10:30 am
Forum: Personal Finance (Not Investing)
Topic: Should I accept this special work assignment (more pay)?
Replies: 11
Views: 895

Re: Should I accept this special work assignment (more pay)?

Depends on your income. If you make 30k, yes; if you make 200k, no.
by TIAX
Wed Jun 07, 2017 10:23 am
Forum: Personal Finance (Not Investing)
Topic: Married filing separately vs staying single for tax savings
Replies: 31
Views: 2337

Re: Married filing separately vs staying single for tax savings

One thing which has not been mentioned is health insurance. I assume each of you gets insurance through your own employers? If getting married, you might save money by having one policy, and perhaps by increasing the amount you can contribute to the HSA. If you file separately, consider purchasing ...
by TIAX
Wed Jun 07, 2017 10:12 am
Forum: Investing - Help with Personal Investments
Topic: Fidelity 529 - Where's the Love?
Replies: 19
Views: 1663

Re: Fidelity 529 - Where's the Love?

Thank you for your input, Nummerkins, but why would you move the 529 to VG if the overall ER will be higher? This is the issue that I can't seem to understand. The Boglehead philosophy emphasizes low expenses, so with Fidelity being the lowest, why not stay there? Or in other words, what would you ...
by TIAX
Wed Jun 07, 2017 12:14 am
Forum: Investing - Help with Personal Investments
Topic: HSA Choices
Replies: 4
Views: 372

Re: HSA Choices

I know, can't decide on which categories to choose because allocation is on target for all other accounts. Always choose the lowest expense ratio fund that fits your asset allocation and then adjust in other accounts. For example, in your 401(k) or IRA, sell some U.S. stock funds and buy internatio...
by TIAX
Wed Jun 07, 2017 12:02 am
Forum: Investing - Help with Personal Investments
Topic: HSA Choices
Replies: 4
Views: 372

Re: HSA Choices

You don't need to replicate your asset allocation in every account. Just choose the best fund (Vanguard TSM) and buy international, bonds, etc. in other accounts.
by TIAX
Tue Jun 06, 2017 9:42 am
Forum: Investing - Help with Personal Investments
Topic: Moving from Betterment to Vanguard - Need Advise
Replies: 16
Views: 1108

Re: Moving from Betterment to Vanguard - Need Advise

Looks pretty reasonable. Any particular reason you want foreign bonds? You should also consider open ended mutual funds instead of ETFs . No particular reason except I though diversified bond allocation might be wise. Is that a misconception? Thanks Many people here don't use it but it doesn't make...
by TIAX
Mon Jun 05, 2017 11:04 pm
Forum: Investing - Help with Personal Investments
Topic: Thoughts about EMQQ for emerging markets
Replies: 5
Views: 429

Re: Thoughts about EMQQ for emerging markets

I've heard EMQQ ETF outperforms the Vanguard emerging market ETF such as VWO primarily because it tracks the MSCI index, allowing it significant exposure to Alibaba, which Vanguard funds, which track the FTSE, do not. Thoughts? You're going to choose funds over a single stock (which isn't actually ...
by TIAX
Mon Jun 05, 2017 11:02 pm
Forum: Investing - Help with Personal Investments
Topic: Moving from Betterment to Vanguard - Need Advise
Replies: 16
Views: 1108

Re: Moving from Betterment to Vanguard - Need Advise

Looks pretty reasonable. Any particular reason you want foreign bonds? You should also consider open ended mutual funds instead of ETFs.
by TIAX
Mon Jun 05, 2017 10:56 pm
Forum: Personal Finance (Not Investing)
Topic: How does a mere mortal navigate healthcare/insurance issues
Replies: 50
Views: 4496

Re: How does a mere mortal navigate healthcare/insurance issues

When I went in for my age-50 screening colonoscopy a couple of years ago, the check-in person got to the end of check in and then unexpected asked me to write a pre-procedure check (a couple of thousand $, if I recall). I got very confused and stuttered out "but a screening colonoscopy is cove...
by TIAX
Sat Jun 03, 2017 10:17 pm
Forum: Personal Finance (Not Investing)
Topic: Notice of Deficiency from IRS
Replies: 81
Views: 13015

Re: Notice of Deficiency from IRS

It was a long painful year of me appealing, appealing, and appealing again. No one would use 10 seconds of common sense to discover that the numbers couldn't possibly be right. Finally it was set to go to court. I said great. It was assigned to an attorney on their side who actually listened to wha...
by TIAX
Thu Jun 01, 2017 12:40 pm
Forum: Investing - Theory, News & General
Topic: "Effective July 20, 2017, Vanguard will impose a $10 wire fee on outgoing wire redemptions from nonretirement accounts."
Replies: 28
Views: 2642

Re: "Effective July 20, 2017, Vanguard will impose a $10 wire fee on outgoing wire redemptions from nonretirement accoun

As mentioned in this thread, ACH transfers may be reversed. For this reason, banks do not make the funds available until several business days after the ACH. Thus, if you need to (or may need to) use the funds (to transfer to another brokerage, write a check, etc.) within several days, it makes sens...
by TIAX
Wed May 31, 2017 10:35 am
Forum: Investing - Theory, News & General
Topic: "Effective July 20, 2017, Vanguard will impose a $10 wire fee on outgoing wire redemptions from nonretirement accounts."
Replies: 28
Views: 2642

Re: "Effective July 20, 2017, Vanguard will impose a $10 wire fee on outgoing wire redemptions from nonretirement accoun

Here is the notice . Also, Wire redemptions from retirement accounts will be subject to this fee effective September 13, 2017. It's really disappointing that Vanguard is adding fees. On the bright side, The wire fee will not apply to accounts held by Flagship and Flagship Select clients; accounts he...
by TIAX
Tue May 30, 2017 11:59 pm
Forum: Investing - Help with Personal Investments
Topic: Portfolio at EJ but have regrets now
Replies: 37
Views: 3072

Re: Portfolio at EJ but have regrets now

neveragain wrote:Can an EJ advisor churn your account without telling you first?

No, but that doesn't stop certain brokers. See SEC - Churning.
by TIAX
Tue May 30, 2017 11:31 pm
Forum: Investing - Help with Personal Investments
Topic: Any advice on investing 200k, short term 1 yr?
Replies: 15
Views: 1989

Re: Any advice on investing 200k, short term 1 yr?

If your marginal tax rate is high enough, consider a tax-exempt bond fund.
by TIAX
Mon May 29, 2017 7:59 pm
Forum: Personal Finance (Not Investing)
Topic: Just realized I have been doing wrong my whole life financially.
Replies: 10
Views: 2934

Re: Just realized I have been doing wrong my whole life financially.

My friend told me since I don’t have a college degree or skills to earn that. I must work more if I want to earn more. Stupid of me, right? Who would have thought? According to her and she works in HR, employees that make more than 100K are people that work more than 40 hours a week. And these are ...
by TIAX
Mon May 29, 2017 5:08 pm
Forum: Investing - Help with Personal Investments
Topic: ETF's similar to Fidelity Puritan
Replies: 4
Views: 436

Re: ETF's similar to Fidelity Puritan

Why did you sell it? Why do you want something like it now? Why do you not want to buy that fund?
by TIAX
Mon May 29, 2017 4:51 pm
Forum: Investing - Help with Personal Investments
Topic: Portfolio at EJ but have regrets now
Replies: 37
Views: 3072

Re: Portfolio at EJ but have regrets now

My advisor told me about the $40 fee yearly, which wasn't a big deal. I have no issue with that. But now I'm seeing a 1.35% fee for their advisory plan, which he did NOT tell me about when I signed up. I would call Vanguard and have them handle the transfer. Once your advisor discovers the move, he...
by TIAX
Sat May 27, 2017 7:46 pm
Forum: Investing - Help with Personal Investments
Topic: California municipal / VCLAX
Replies: 15
Views: 1334

Re: California municipal / VCLAX

cloudcloudcloudcloud wrote:bracket >= 9.3% CA
trying to build a portfolio for retirement

We need more information. For example, are you maxing out 401(k)/IRA? What's your federal marginal tax bracket? What does the rest of your portfolio look like? etc.
by TIAX
Sat May 27, 2017 7:42 pm
Forum: Investing - Help with Personal Investments
Topic: Unwinding a maturing UTMA to pay least taxes
Replies: 18
Views: 1141

Re: Unwinding a maturing UTMA to pay least taxes

livesoft asking for help? Must be some kind of test. Perhaps you can take a look at the last few years' December distributions to try to predict this year's. If the fund makes other distributions throughout the year, maybe they can help you predict whether the December distribution will be smaller o...
by TIAX
Sat May 27, 2017 7:23 pm
Forum: Investing - Help with Personal Investments
Topic: California municipal / VCLAX
Replies: 15
Views: 1334

Re: California municipal / VCLAX

is expense ratio the only metric here for CA muni? PRXCX/FCAMX are both good ones? I brought up expense ratios because you mentioned wanting to buy the admiral version of the fund and the only difference between the admiral and investor share classes is the expense ratio. Provide more information a...
by TIAX
Sat May 27, 2017 6:37 pm
Forum: Investing - Help with Personal Investments
Topic: California municipal / VCLAX
Replies: 15
Views: 1334

Re: California municipal / VCLAX

How about NAC / NKX / VCV? as well as PRXCX You're trying to save 0.1% (the difference between the investor (0.19%) and admiral (0.09%) shares) but you're willing to pay more than double the investor shares using PRXCX (0.50%)? It may be helpful if you post your portfolio and provide information ab...
by TIAX
Wed May 24, 2017 10:56 pm
Forum: Investing - Help with Personal Investments
Topic: Does it work to avoid the $49.95 transaction fee?
Replies: 2
Views: 697

Re: Does it work to avoid the $49.95 transaction fee?

Before you go through the trouble, call TD Ameritrade and see if they'll waive the fee.
by TIAX
Wed May 24, 2017 9:12 am
Forum: Investing - Help with Personal Investments
Topic: Does anyone know [choosing a Vanguard bond ETF]
Replies: 11
Views: 1167

Re: Does anyone know [choosing a Vanguard bond ETF]

Using U.S. domiciled ETFs is generally not a good idea for an EU investor. Take a look at this thread.
by TIAX
Tue May 23, 2017 11:13 am
Forum: Investing - Help with Personal Investments
Topic: Starting a 529 with no children on the horizon?
Replies: 15
Views: 1077

Re: Starting a 529 with no children on the horizon?

[*] Can't contribute to a HSA because I intentionally don't have a high deductible health plan [*] Budgeted to contribute ~50k to a taxable account this year [*] Live in California, which gives no state tax break for 529s[/list] If I go this route, the Nevada 529 plan run by Vanguard looks appealin...
by TIAX
Tue May 23, 2017 9:57 am
Forum: Investing - Help with Personal Investments
Topic: I admit, I give up [need strategy for getting back in]
Replies: 33
Views: 5147

Re: I admit, I give up [need strategy for getting back in]

The point is today, this very day, can be the first day of your new life as someone who doesn't have to worry about this stuff anymore, because you are doing a smart thing that works best for most people. Whatever gets you started on that life today, that's what you should do. OP, sell it all today...
by TIAX
Mon May 22, 2017 10:53 am
Forum: Personal Finance (Not Investing)
Topic: Health Insurance Company "Case Manager"
Replies: 15
Views: 1491

Re: Health Insurance Company "Case Manager"

Was the "case manager" anything like this?
by TIAX
Sat May 20, 2017 2:50 pm
Forum: Investing - Help with Personal Investments
Topic: IRS asking me to pay the tax on full Traditional to Roth Conversion : 1099-R
Replies: 20
Views: 1780

Re: IRS asking me to pay the tax on full Traditional to Roth Conversion : 1099-R

It would appear that the IRS match-o-matic has finished its run. :oops: It took me some hours before it dawned on me what this meant. Yes! Yes! I recall the same thing happening in the past. One of those past events was the final straw - it caused me to decide I would no longer suggest that people ...
by TIAX
Fri May 19, 2017 9:14 am
Forum: Personal Finance (Not Investing)
Topic: IRS says I owe..I don't
Replies: 31
Views: 4391

Re: IRS says I owe..I don't

Sounds like a plan folks..documentation and a letter. I have the former and can write the latter...with that, I'm sure they'll say, "never mind.." 20+ degrees cooler here than yesterday..that makes today a good time to dig into this. Thanks to all for the help! Make sure you send your doc...
by TIAX
Thu May 18, 2017 7:28 pm
Forum: Personal Finance (Not Investing)
Topic: IRS says I owe..I don't
Replies: 31
Views: 4391

Re: IRS says I owe..I don't

Write a letter and include your forms 8606 and IRA contribution and Roth conversion confirmations.
by TIAX
Mon May 15, 2017 5:21 pm
Forum: Investing - Theory, News & General
Topic: Scolded by my adviser at F******* ! [Fidelity]
Replies: 23
Views: 3934

Re: Scolded by my adviser at F******* !

Your adviser scolding you is inappropriate, even if what his firm is doing is a bit unfair. I would stop using the adviser.
by TIAX
Mon May 15, 2017 5:15 pm
Forum: Investing - Help with Personal Investments
Topic: Individual Stock - Apple & Pharmaceutical
Replies: 22
Views: 1858

Re: Individual Stock - Apple & Pharmaceutical

Get divorced and have her sell over time at 0% LTCG. In the meantime, enjoy not paying the marriage penalty.

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