Search found 369 matches

by TropikThunder
Fri May 26, 2017 11:57 pm
Forum: Investing - Theory, News & General
Topic: WSJ: MSCI Takes Fresh Look at Adding China Shares to Emerging-Market Index
Replies: 12
Views: 2159

Re: WSJ: MSCI Takes Fresh Look at Adding China Shares to Emerging-Market Index

I too think Chinese A shares are greatly underrepresented in portfolios and funds. It's only a matter of time before this is remedied. I'm willing to sit on my thumbs for four years while this adjustment happens. I completely agree with both of those statements. I originally held both VEA (Vanguard...
by TropikThunder
Fri May 26, 2017 9:56 pm
Forum: Investing - Theory, News & General
Topic: How dividends become irrelevant?
Replies: 139
Views: 5554

Re: How dividends become irrelevant?

The major flaw I see in this explanation is that the percentage of ownership lowers when you sell shares. If you receive a dividend, you get the earnings AND maintain the same percentage ownership of the company . Your voting rights didn't lose any power. Selling shares to get your profits results ...
by TropikThunder
Wed May 24, 2017 10:16 pm
Forum: Investing - Theory, News & General
Topic: The Case for Dividend Stocks in Retirement (article)
Replies: 92
Views: 9587

Re: The Case for Dividend Stocks in Retirement (article)

In other words the more shares the better. I dollar cost average each month (12 times a year) but I also reinvest my dividends (4 times a year) for a total of 16 "buy's per year". What this does is help me gather more shares in the accumulation stage. Building the pyramid quicker or gaini...
by TropikThunder
Wed May 24, 2017 10:09 pm
Forum: Investing - Theory, News & General
Topic: The Case for Dividend Stocks in Retirement (article)
Replies: 92
Views: 9587

Re: The Case for Dividend Stocks in Retirement (article)

I recognize that you are not really interested in other opinions/ways of thinking about it, but thought I'd try to clarify what TropikThunder is "on about." The discussion that has permeated this thread has primarily been: Dividend Lovers: High dividend mutual funds are great because they...
by TropikThunder
Wed May 24, 2017 10:05 pm
Forum: Investing - Help with Personal Investments
Topic: Higher return vs higher ER: international and emerging market ETFs
Replies: 7
Views: 667

Re: Higher return vs higher ER: international and emerging market ETFs

Thank you for the very teachable moment :happy. I'm here on this board to learn. I do know that these funds track different indexes, and that I'm not comparing apples to apples. But, this begs the question--for each broad category (international large-cap, international small cap, emerging markets)...
by TropikThunder
Tue May 23, 2017 11:01 pm
Forum: Investing - Help with Personal Investments
Topic: Higher return vs higher ER: international and emerging market ETFs
Replies: 7
Views: 667

Re: Higher return vs higher ER: international and emerging market ETFs

Second, Morningstar has published several articles in which they say that the expense ratio is actually the strongest and most reliable predictor of future returns that they know. To clarify, do you mean that Morningstar says that the ETF with the lower ER predicts a higher future return ? In all o...
by TropikThunder
Mon May 22, 2017 7:15 pm
Forum: Investing - Theory, News & General
Topic: The Case for Dividend Stocks in Retirement (article)
Replies: 92
Views: 9587

Re: The Case for Dividend Stocks in Retirement (article)

We're doing close to 50/50 in retirement. Half in a Global portfolio of index funds/ETF's and the other half in individual dividend growth stocks. We're lucky in that we can live off our pensions with a little extra at the end of the year. The dividends received get re-invested into more dividend s...
by TropikThunder
Sat May 20, 2017 7:13 pm
Forum: Investing - Theory, News & General
Topic: "10 common questions about ETFs"
Replies: 6
Views: 808

Re: "10 common questions about ETFs"

8. What are the advantages of investing in mutual funds over ETFs? Mutual funds offer the advantage of auto-investment, which is the option to automatically contribute a set amount at a predefined time. Again, this is more a preference than an advantage. No mention of dividend reinvestment of mutua...
by TropikThunder
Sat May 20, 2017 1:20 pm
Forum: Investing - Help with Personal Investments
Topic: I'm having a freak-out moment (portfolio question)
Replies: 24
Views: 2362

Re: I'm having a freak-out moment (portfolio question)

Another way is simply to constrain your now lifestyle so you will be comfortable at 75% of salary in retirement. He's basically already constraining his lifestyle, considering that he's putting $24,000 a year into the 457. That should make being able to "survive" on 75% as a pension quite...
by TropikThunder
Sat May 20, 2017 12:32 am
Forum: Investing - Theory, News & General
Topic: The Case for Dividend Stocks in Retirement (article)
Replies: 92
Views: 9587

Re: The Case for Dividend Stocks in Retirement (article)

My choice is Vanguard High Dividend Yield fund (VHDYX). It pay's approx. 3% dividends & compares very closely to the TSM & S & P 500. Thought exercise: if the yield is the end-all, which fund would you recommend to someone and why: Vanguard High Dividend Yield (VHDYX), SEC yield 3.05% V...
by TropikThunder
Fri May 19, 2017 9:06 pm
Forum: Personal Consumer Issues
Topic: What are the powers of HR in a company?
Replies: 40
Views: 3028

Re: What are the powers of HR in a company?

As I mentioned before, I too, am in HR/Recruiting. And while I agree with your points 1 and 2 above, I think the rest of the advice makes it seem like HR is to be treated like the enemy and I don't think that is a good strategy. I feel like a middle ground can be found between HR=Friends and HR=Ene...
by TropikThunder
Fri May 19, 2017 8:48 pm
Forum: Investing - Theory, News & General
Topic: The Case for Dividend Stocks in Retirement (article)
Replies: 92
Views: 9587

Re: The Case for Dividend Stocks in Retirement (article)

My choice is Vanguard High Dividend Yield fund (VHDYX). It pay's approx. 3% dividends & compares very closely to the TSM & S & P 500. Thought exercise: if the yield is the end-all, which fund would you recommend to someone and why: Vanguard High Dividend Yield (VHDYX), SEC yield 3.05% V...
by TropikThunder
Fri May 19, 2017 8:39 pm
Forum: Investing - Theory, News & General
Topic: The Case for Dividend Stocks in Retirement (article)
Replies: 92
Views: 9587

Re: The Case for Dividend Stocks in Retirement (article)

If you look at the "Janitor Next Door" he had 8 million dollars. 8 million x 3% dividend = $240,000. per year in dividends without ever touching the principal . I can live a nice life on that. But what about taxes? I don't care...I'll pay my fair share & get on with life. I think I ca...
by TropikThunder
Fri May 19, 2017 7:28 pm
Forum: Investing - Help with Personal Investments
Topic: If You Can't
Replies: 25
Views: 1549

Re: If You Can't

Yes, and it's not just me saying it. If you are 100% stocks ... what are you rebalancing? :twisted: ... asset allocations between several individual funds from different asset classes? One Ping I accidentally deleted part of my answer while editing. :P Let's try that again: Are you saying 100% stoc...
by TropikThunder
Fri May 19, 2017 6:25 pm
Forum: Investing - Help with Personal Investments
Topic: If You Can't
Replies: 25
Views: 1549

Re: If You Can't

I think it's safe to say the 100% stock usually has higher returns. But I don't think that's what you are really asking. Are you saying 100% stock has higher returns, even after factoring in rebalancing? Yes, and it's not just me saying it. Vanguard did a study of various rebalancing strategies (pe...
by TropikThunder
Fri May 19, 2017 5:55 pm
Forum: Investing - Help with Personal Investments
Topic: If You Can't
Replies: 25
Views: 1549

Re: If You Can't

So psychologically, I think my only options are A) target date fund B) A 3-fund portfolio without bonds [67% US Total US (VTSAX), 33% Total International (VTIAX)]. <---- that's a 2 fund portfolio :P [b]Has anybody done the math on whether A or B has a higher historical post-fee return? As delamer s...
by TropikThunder
Wed May 17, 2017 10:56 pm
Forum: Investing - Theory, News & General
Topic: International: Where's the benefit?
Replies: 63
Views: 4778

Re: International: Where's the benefit?

So: How many of you are banking solidly on something that hasn't been valuable since the 80s? There have been a staggering number of threads on this topic. It is probably the most discussed topic on bogleheads. Could we take just this one week off of rehashing it and rely on searching the voluminou...
by TropikThunder
Sat May 13, 2017 6:55 pm
Forum: Investing - Help with Personal Investments
Topic: moving LLC to FL and relocating to foreign country
Replies: 3
Views: 379

Re: moving LLC to FL and relocating to foreign country

Hello, After I move to a foreign country, if I move my NJ based LLC (I am only owner) to Florida, then I will not have to do any state taxes correct? My last residence in US is NJ, but I will have left nothing there, after also moving my LLC to another state. and because FL has no personal income t...
by TropikThunder
Sat May 13, 2017 6:44 pm
Forum: Investing - Help with Personal Investments
Topic: 100% Total International (0% US equity) for new investor?
Replies: 36
Views: 2386

Re: 100% Total International (0% US equity) for new investor?

I'm new to equity investing after spending the first half of my career saving in CDs while aggressively paying down my mortgage. Earlier in 2017 I paid it off, and now have an Asset Allocation of 90% equities 10% CDs. 50% of the equity is in Total US Stock Market (TSM) and the other 50% is in Total...
by TropikThunder
Sat May 13, 2017 6:42 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard's safest all-equity fund
Replies: 59
Views: 4903

Re: Vanguard's safest all-equity fund

Actually, there is one vanguard got its fame on 2008/2009, the concept and return of that fund is solid. That fund if you check reviews is the fastest growth fund in Vanguard for single manger. Data does not lie, people voted with their feet. Well, of course, that fund got flushed with money, and c...
by TropikThunder
Sat May 13, 2017 6:22 pm
Forum: Investing - Theory, News & General
Topic: American Funds beat out Vanguard Index over lifetime?
Replies: 62
Views: 6565

Re: American Funds beat out Vanguard Index over lifetime?

Greetings, I have read lots of previous forums on Bogleheads. This however, is my first post. I recently read this website: https://www.americanfunds.com/individual/insights/investment-insights/five-american-funds-that-beat-the-first-index-funds-lifetime-results.html?cid=sm_fb_10224 It is from Amer...
by TropikThunder
Sat May 13, 2017 5:59 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard's safest all-equity fund
Replies: 59
Views: 4903

Re: Vanguard's safest all-equity fund

https://personal.vanguard.com/us/funds/snapshot?FundId=0065&FundIntExt=INT once I can covert to admiral shares, I'll be putting this into my Roth That's an odd choice for "safest (losing the least amount of money in a stock downturn)". VFINX Vanguard S&P500 Index Fund; Max drawdow...
by TropikThunder
Thu May 11, 2017 11:45 pm
Forum: Personal Consumer Issues
Topic: Expat Retirement Location with Health Care Eligibility
Replies: 30
Views: 2740

Re: Expat Retirement Location with Health Care Eligibility

Are there any tropical/warm locations where a US-expat can live, and still be covered for residency healthcare? I believe that some countries don't allow expats to have property ownership, which is the second element. Any suggestions for countries that meet all three criteria? - Warm, medical cover...
by TropikThunder
Mon May 08, 2017 2:00 pm
Forum: Investing - Theory, News & General
Topic: Nice piece by Christine Benz, "Not a portfolio emergency"
Replies: 14
Views: 3040

Re: Nice piece by Christine Benz, "Not a portfolio emergency"

Sorry, You Probably Don't Have a Portfolio Emergency The "sorry" is because what the victim in this story had was not a portfolio problem, but something more mundane and less pleasant to deal with: an insufficient-savings problem. What struck me is the advisor seemingly making the rookie ...
by TropikThunder
Sat May 06, 2017 12:53 pm
Forum: Investing - Theory, News & General
Topic: Berkshire Hathaway 2017 Annual Shareholders Meeting, Live Stream Replay
Replies: 26
Views: 1871

Re: Berkshire Hathaway 2017 Annual Shareholders Meeting, Live Streaming Today (5/6)

...One of the intermission guests said that "Jack Bogle is up next". Wonder what that means? I'll be watching to see. Me too. It would be nice if they somehow addressed the frequently repeated question here about why Buffett chose the 500 Index Fund vs Total Stock Index Fund... (but I'm n...
by TropikThunder
Sat May 06, 2017 12:50 pm
Forum: Personal Finance (Not Investing)
Topic: How to get out of a apartment renter lease? They want $3,600
Replies: 40
Views: 3060

Re: How to get out of a apartment renter lease? They want $3,600

Regarding the security deposit, I would check applicable laws/regs, but my understanding is that a security deposit is for damage to the rental unit - not for breaking the lease. Every apartment rental contract I recall signing included a lease termination clause for a fixed dollar amount (at least...
by TropikThunder
Fri May 05, 2017 9:50 pm
Forum: Personal Consumer Issues
Topic: Honda vs. Mazda vs. Ford
Replies: 40
Views: 2743

Re: Honda vs. Mazda vs. Ford

Hey Bogleheads, Looking into leasing/buying a car here and the options are: -Honda Accord/Civic -Mazda -Ford Fusion I'm 24 with not a big savings, but enough for car payments for sure. Interested in something a little sportier with good gas mileage and good driving history. Would love to hear some ...
by TropikThunder
Fri May 05, 2017 9:34 pm
Forum: Investing - Help with Personal Investments
Topic: Investing 25k using DCA
Replies: 13
Views: 859

Re: Investing 25k using DCA

badbreath wrote:got it but I would rather be right two thirds the times then wrong one third.

Totally agree. My point was just that the DCA didn't lose money, it just did less well then lump sum.
by TropikThunder
Fri May 05, 2017 8:36 pm
Forum: Investing - Help with Personal Investments
Topic: Priority of Retirement Accounts
Replies: 18
Views: 1584

Re: Priority of Retirement Accounts

I'm 35 years old, married, and have been putting away anywhere from 5% - 15% of my income into a traditional 401k for the past 11 years and now have about $140k . I do not have an IRA. ............ I just started a new job .... I'm in the 28% tax bracket . Does not compute. Perhaps because he's onl...
by TropikThunder
Fri May 05, 2017 8:31 pm
Forum: Investing - Help with Personal Investments
Topic: Investing 25k using DCA
Replies: 13
Views: 859

Re: Investing 25k using DCA

I would just do it all at once. Yes $25K is a lot of money but last year I put in $300k all at once and did not even think about it. Its time in market not timing the market. There is a Vanguard white paper that shows how you will actually lose money with DCA . I understand your point, but I think ...
by TropikThunder
Fri May 05, 2017 7:55 pm
Forum: Investing - Help with Personal Investments
Topic: Which to Fund First? Roth IRA vs 401k
Replies: 10
Views: 741

Re: Which to Fund First? Roth IRA vs 401k

KlangFool wrote:So,

12K into Trad. 401K
3K = company match
4.5K Roth IRA

Your take-home pay remained the same and you have more money in your pocket.

KlangFool


Excellent point. Now, with all of the 401k in JTSZX and all of the IRA in VFIFX, that gets you to 83/17. Ish.
by TropikThunder
Fri May 05, 2017 7:44 pm
Forum: Investing - Help with Personal Investments
Topic: Which to Fund First? Roth IRA vs 401k
Replies: 10
Views: 741

Re: Which to Fund First? Roth IRA vs 401k

1. After running a retirement calculator at Betterment ( https://www.betterment.com/resources/retirement/401ks-and-iras/this-calculator-helps-you-decide-whether-to-invest-in-a-401k-ira-or-both/ ) and the FINRA Fund Analyzer, I am considering funding my Roth IRA before either of the 401(k)'s. Accord...
by TropikThunder
Thu May 04, 2017 11:10 pm
Forum: Personal Consumer Issues
Topic: Switching Auto Insurance, need advice on Roadside assistant
Replies: 35
Views: 2168

Re: Switching Auto Insurance, need advice on Roadside assistant

In general, you should expect any such service to be a financial loss for you. Obviously, they wouldn't sell it otherwise. The reason to have it is for convenience. To me, AAA is way too expensive and I wouldn't use it. My insurance company service is significantly cheaper, and provides a level of ...
by TropikThunder
Thu May 04, 2017 10:53 pm
Forum: Investing - Help with Personal Investments
Topic: Priority of Retirement Accounts
Replies: 18
Views: 1584

Re: Priority of Retirement Accounts

I'm in the 28% tax bracket. I've read its good to take advantage of the Roth 401k/IRA to diversify. I have interpreted this advice to mean having some money in traditional (403b in my case) and some money in Roth (IRA in my case). Not some in traditional 401k and some in Roth 401k. In my opinion, a...
by TropikThunder
Thu May 04, 2017 10:44 pm
Forum: Investing - Theory, News & General
Topic: basic questions about selling a few shares (capital gain/short-term dividend)
Replies: 10
Views: 418

Re: basic questions about selling a few shares (capital gain/short-term dividend)

I'm at Fidelity. I think they use First In, First Out , except for determining round-trip violations: in that case they use Last In, First Out if over $1,000 within 30 days of purchase. This would be incorrect for most BH's. Per Fidelity: FIFO (first in, first out) is Fidelity's default method for ...
by TropikThunder
Thu May 04, 2017 10:23 pm
Forum: Investing - Theory, News & General
Topic: basic questions about selling a few shares (capital gain/short-term dividend)
Replies: 10
Views: 418

Re: basic questions about selling a few shares (capital gain/short-term dividend)

What is the default cost-basis method at most brokerages? It depends on both the brokerage and the investment. For example, at Vanguard: Unless you specify a cost basis method for a holding, the basis of that holding will be determined under Vanguard's default method. Our default for mutual fund sh...
by TropikThunder
Wed May 03, 2017 1:06 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard: Buy in Shares instead of Buy in Dollars?
Replies: 22
Views: 2586

Re: Vanguard: Buy in Shares instead of Buy in Dollars?

I'm trying to backdate a dollar gift of VTSMX to the child's DOB. I won't be conversing with the child about this for many years, but when I do, I think it would be meaningful (relatively speaking) to say: I purchased X dollars of the stock market on the day you were born , and here's what it's wor...
by TropikThunder
Sun Apr 23, 2017 7:08 pm
Forum: Personal Finance (Not Investing)
Topic: Are relocation expenses deductible if given lump sum from company?
Replies: 10
Views: 799

Re: Are relocation expenses deductible if given lump sum from company?

My company is paying me a lump sum of 22k to cover all my moving expenses ( trips to the area, temp. housing, etc. ) They are also moving all our stuff pre-paid by them. Can I still deduct any of my moving expenses? I am guessing the answer is no. Sometimes it's faster to go to the source for tax i...
by TropikThunder
Fri Apr 21, 2017 8:04 pm
Forum: Personal Consumer Issues
Topic: My Doctor says I am "unusual" (declining some blood tests)
Replies: 51
Views: 6967

Re: My Doctor says I am "unusual" (declining some blood tests)

Thanks for posting my exact thoughts. With EMR, how is this even possible? My doctors are all independent players for the moment, and thus aren't connected like those in my wife's group. I think this is the two sides of the equation. There are several EMR systems in use in doctor's offices, clinics...
by TropikThunder
Tue Apr 18, 2017 7:37 pm
Forum: Investing - Theory, News & General
Topic: Bond fund dividend accrual-daily vs monthly
Replies: 5
Views: 568

Re: Bond fund dividend accrual-daily vs monthly

It is probably reflected in the price. As the fund accrues interest payments throughout the month from all of the bonds it holds, its NAV goes up correspondingly. When the fund makes a distribution, the NAV should go down by the amount of the distribution. So whatever you sold it for, the NAV (and ...
by TropikThunder
Sun Apr 16, 2017 12:00 am
Forum: Investing - Help with Personal Investments
Topic: Rebalancing for the first time!
Replies: 5
Views: 796

Re: Rebalancing for the first time!

Current 401K- maxing out 12% per paycheck (total 18k/year), employer matches up to 4% 1:1 No options for total stock market, so plan to simulate is: RT L&G S&P 500 DC A (46% of total portfolio) ER 0.01% RT L&G RUSSELL 2000 (10% of total portfolio) ER 0.01% AF EUROPAC GROWTH R5 (RERFX) (...
by TropikThunder
Sat Apr 15, 2017 6:21 pm
Forum: Personal Finance (Not Investing)
Topic: How to Avoid Tax Refund Being Seized
Replies: 37
Views: 4413

Re: How to Avoid Tax Refund Being Seized

Designate your 2016 over payment to go to next year's estimated tax and then reduce your withholding by an appropriate amount. :idea: This sounds like the best idea so far, to me. Nice try, but it will not work. Refund offsets are on the 2016 Form 1040 line 75 the amount you overpaid . This is befo...
by TropikThunder
Sat Apr 15, 2017 6:18 pm
Forum: Personal Finance (Not Investing)
Topic: How to Avoid Tax Refund Being Seized
Replies: 37
Views: 4413

Re: How to Avoid Tax Refund Being Seized

I understand your desire for privacy in an online forum. but it's easier to get good advice with complete information. As EATaxguy said, the seizure of tax refunds by the IRS (Treasury Offset) is only used for a limited number of things, and unless there was a court judgement, random consumer debt i...
by TropikThunder
Fri Apr 14, 2017 6:36 pm
Forum: Investing - Help with Personal Investments
Topic: Will it be a mistake to buy VTSMX today?
Replies: 39
Views: 4029

Re: Will it be a mistake to buy VTSMX today?

I was thinking about investing into the VTSMX fund soon, but looking at the recent market downturns , will it be a mistake to invest at this moment? Please provide your expert opinions. Thanks in advance Finally , a break from all the "why should I invest at an all time high?" threads! :t...
by TropikThunder
Fri Apr 14, 2017 6:27 pm
Forum: Personal Finance (Not Investing)
Topic: Dealership rejecting rebate after contract signed
Replies: 100
Views: 10403

Re: Dealership rejecting rebate after contract signed

Just to reiterate, the people who are telling you to ignore the demand are giving you bad advice. They can and will repossess the car and you'll be left dealing with the consequences. Don't do that. Go read what you signed and I 100% guarantee you don't have a leg to stand on. This kind of situatio...
by TropikThunder
Fri Apr 14, 2017 3:29 pm
Forum: Investing - Help with Personal Investments
Topic: FTIPX or BlackRock International Equity Index-F
Replies: 5
Views: 335

Re: FTIPX or BlackRock International Equity Index-F

Thanks. Looks like Blackrock tracks the MSCI EAFE index and Fidelity tracks the MSCI ACWI. I don't have a link I can share for Blackrock fund info. FTIPX: https://fundresearch.fidelity.com/mutual-funds/summary/31635V653. I agree with the negligible difference in ERs, I'd like to make sure the under...
by TropikThunder
Fri Apr 14, 2017 12:38 pm
Forum: Personal Finance (Not Investing)
Topic: Dealership rejecting rebate after contract signed
Replies: 100
Views: 10403

Re: Dealership rejecting rebate after contract signed

There is an awful lot of "pound sand! It's not my problem!" bluster with very little actual contract knowledge to back that up. The average person buys or leases less than one new car per year. Toyota Financial sells or leases tens of thousands of cars per year. Who do you think is more pr...
by TropikThunder
Thu Apr 13, 2017 12:22 am
Forum: Personal Finance (Not Investing)
Topic: Asking employer benefits while leaving after an extended FMLA leave
Replies: 17
Views: 1693

Re: Asking employer benefits while leaving after an extended FMLA leave

Thanks pshonore, 1 week pay for year service as sevarance, that is what I signed when joining, and assumed no matter what employer would give while leaving, is it naive to expect? Lots of assumptions here. In my opinion, yes, that's naive. No employer in their right mind would give severance to som...
by TropikThunder
Thu Apr 13, 2017 12:13 am
Forum: Personal Finance (Not Investing)
Topic: Asking employer benefits while leaving after an extended FMLA leave
Replies: 17
Views: 1693

Re: Asking employer benefits while leaving after an extended FMLA leave

Hi, Would there be any difference in getting benefits from employer while separating after on a extended unpaid leave compared to regular one. Is the employer still obligated to give unused vacation, holiday pay and bonus calculated prorata upto the leave start period, and usual severance pay such ...
by TropikThunder
Sun Apr 09, 2017 8:05 pm
Forum: Investing - Help with Personal Investments
Topic: Help with bond fund choices for a 401a plan.
Replies: 12
Views: 767

Re: Help with bond fund choices for a 401a plan.

Hi, Here is the complete list including net and gross expense ratios. I am still thinking PTRQX. Agree or disagree? Why? Thank you! https://i.imgur.com/lT8YvKX.jpg What is up with those Target Date Gross ER's? I know one pays the Net not the Gross but some are >4.5% Gross and some are ~0.6% Gross. ...

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