Search found 97 matches

by Tyler Aspect
Sun Apr 23, 2017 12:38 pm
Forum: Investing - Help with Personal Investments
Topic: Which Vanguard fund for Roth IRA
Replies: 14
Views: 693

Re: Which Vanguard fund for Roth IRA

Hi, I recently move my Edward Jones Roth IRA to Vanguard. I have almost $15,000 and wondering what funds I should buy? I'm 35 and have 200k in my Simple IRA at work and max that out every year. I also max out my Roth. I want to be aggresive, maybe 80% stocks, 20% bonds or even 85/15. Any advise to ...
by Tyler Aspect
Sun Apr 23, 2017 12:20 pm
Forum: Investing - Help with Personal Investments
Topic: Analysis Paralysis - Extended Market
Replies: 6
Views: 740

Re: Analysis Paralysis - Extended Market

As long as you are patient you don't have to be worried about rate hikes. For example, if you hold on to your total bond market index fund for six years after each rate hike then you are made whole from a rate hike. Holding longer than six years makes it advantageous to have a rate hike. Thus, long ...
by Tyler Aspect
Sun Apr 23, 2017 11:41 am
Forum: Personal Finance (Not Investing)
Topic: The next generation of Boglehead authors
Replies: 10
Views: 757

Re: The next generation of Boglehead authors

I liked the book "The Index Card" written by Helaine Olen and Harold Pollack. It covers all the basic topics in clear and concise way.

http://helaineolen.com/books/the-index-card
by Tyler Aspect
Sat Apr 22, 2017 7:07 pm
Forum: Investing - Help with Personal Investments
Topic: Tax sheltered accounts - tax efficiency vs. growth
Replies: 4
Views: 423

Re: Tax sheltered accounts - tax efficiency vs. growth

Hi.
Your situation is common for high income earners. Your tax deferred account is filled with bond funds. Now it is time to purchase a tax free bond fund in the taxable account to maintain your asset allocation.
by Tyler Aspect
Sat Apr 22, 2017 12:52 am
Forum: Investing - Help with Personal Investments
Topic: What bond index recommendations for $10K in Roth IRA?
Replies: 11
Views: 933

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

Maybe a CD ladder. You buy 5 CDs of the same amount with increasing years of maturity.
by Tyler Aspect
Sat Apr 22, 2017 12:22 am
Forum: Investing - Help with Personal Investments
Topic: Asset Allocation - easiest way to rebalance?
Replies: 15
Views: 1166

Re: Asset Allocation - easiest way to rebalance?

Usually municipal bonds will only make sense for people in the highest tax bracket. Holding a total market bond fund in tax deferred accounts works very well. Your spread-sheet's F6 cell looked very strange to me. There could be a mistake there. One way to make re-balancing easier to add outside inv...
by Tyler Aspect
Fri Apr 21, 2017 10:41 pm
Forum: Investing - Help with Personal Investments
Topic: Help for Dividend Loving Widow
Replies: 13
Views: 1783

Re: Help for Dividend Loving Widow

Possibly a combination of a SPIA product and balanced funds such as Target Retirement Income fund or Balanced Index Fund can meet your mother's need. If your mother likes dividends then SPIA is all about dividends.

https://investor.vanguard.com/annuity/fixed
by Tyler Aspect
Fri Apr 21, 2017 5:25 pm
Forum: Investing - Help with Personal Investments
Topic: Investing in Norway, Denmark and Sweden
Replies: 9
Views: 641

Re: Investing in Norway, Denmark and Sweden

Hello guys, For some time now, I've been researching different ways to invest in Norway, Denmark and Sweden. The reason for this is that I want to diversify a bit and the Nordic countries (I think) have the potential to provide steady returns in the long run (due to a number of factors, such as wel...
by Tyler Aspect
Fri Apr 21, 2017 5:08 pm
Forum: Investing - Help with Personal Investments
Topic: Initial purchase of funds
Replies: 2
Views: 285

Re: Initial purchase of funds

Recently putting together a small diversified portfolio of only Vanguard mutual funds (no ETFs), I have bought most asset classes I have targeted, at annual lows. However, the last two or three that I need seem very high, taking me to almost 100% invested. Since the initial purchase is usually $3,0...
by Tyler Aspect
Fri Apr 21, 2017 1:39 pm
Forum: Investing - Help with Personal Investments
Topic: Moving from 10 to 2 funds - capital gains?
Replies: 12
Views: 1363

Re: Moving from 10 to 2 funds - capital gains?

Tyler Aspect: Why shouldn't I sell total bond to hold in tax deferred? The gain is 2k. Ok. You have convinced me on selling total bond and inflation protected bond. - Charitable donations of stock are a fantastic idea. I can't believe I've been writing checks every year. I will google how to do thi...
by Tyler Aspect
Fri Apr 21, 2017 1:06 pm
Forum: Investing - Help with Personal Investments
Topic: The Value of Debt in Retirement
Replies: 16
Views: 1256

Re: The Value of Debt in Retirement

You can google "margin loan" and "margin call" to see the use of debt coupled with a brokerage account. Bogleheads do not use margin loans because they can cause your investment value to drop down to 0.
by Tyler Aspect
Fri Apr 21, 2017 11:57 am
Forum: Investing - Help with Personal Investments
Topic: Moving from 10 to 2 funds - capital gains?
Replies: 12
Views: 1363

Re: Moving from 10 to 2 funds - capital gains?

I want to implement Taylor’s 3-fund portfolio. I am placing all my bond allocation in tax deferred and filling the remaining space with total stock. That makes the target for taxable 35% total stock and 65% total international. Currently, I have 10 funds in my taxable account. (Don’t judge.) Total ...
by Tyler Aspect
Fri Apr 21, 2017 11:17 am
Forum: Investing - Help with Personal Investments
Topic: Euro government bond ETFs vs cash, accumulating REIT ETFs?
Replies: 12
Views: 751

Re: Euro government bond ETFs vs cash, accumulating REIT ETFs?

iShares Core MSCI World UCITS ETF USD (Acc)

I think it is traded as "EUNL" in the Euro currency. This is a world-wide corporate bond ETF.

(incorrect information removed)
by Tyler Aspect
Thu Apr 20, 2017 9:52 pm
Forum: Investing - Help with Personal Investments
Topic: Euro government bond ETFs vs cash, accumulating REIT ETFs?
Replies: 12
Views: 751

Re: Euro government bond ETFs vs cash, accumulating REIT ETFs?

How about "iShares Core € Corp Bond UCITS ETF"? Its yield is around 3%, with a duration of 5.3 years. This is a corporate bond ETF, not government bond though.
by Tyler Aspect
Thu Apr 20, 2017 6:08 pm
Forum: Investing - Help with Personal Investments
Topic: Differential aggressiveness for ROTH vs 401K
Replies: 31
Views: 2212

Re: Differential aggressiveness for ROTH vs 401K

Does anyone differentiate ROTH money from other tax advantaged moneys with regard to equities vs bonds? One important caveat for this discussion should be stated up front... For this dicussion, assume that the ROTH portion of your retirement savings is a very small sliver.... I am fully aware of wa...
by Tyler Aspect
Thu Apr 20, 2017 12:04 pm
Forum: Investing - Help with Personal Investments
Topic: 24 year old 401K investments
Replies: 2
Views: 369

Re: 24 year old 401K investments

I currently have the following in my Roth 401K: Vanguard Institutional Index Fund Plus - $12,944.22 (78.6% of portfolio; 0.02% expense ratio) Loomis Sayles Core Plus Fixed Income Trust ; Class C - $3,524.15 (21.4% of portfolio; .35% expense ratio) Does your company's 401k selection contain a less e...
by Tyler Aspect
Thu Apr 20, 2017 11:41 am
Forum: Investing - Help with Personal Investments
Topic: 3-Fund Portfolio Asset Location Help
Replies: 2
Views: 458

Re: 3-Fund Portfolio Asset Location Help

the preferred location for each investment type in order of most preferred location to least preferred location according to US tax laws: ⋅  US stock: Roth IRA, taxable, traditional IRA ⋅  international stock: taxable, Roth IRA, traditional IRA ⋅  bond: traditional IRA,...
by Tyler Aspect
Wed Apr 19, 2017 11:24 pm
Forum: Investing - Help with Personal Investments
Topic: Timing Assets Within Your Portfolio
Replies: 14
Views: 1260

Re: Timing Assets Within Your Portfolio

Where's the bond? Re-balancing across stock versus bonds is the essence of taking advantage of on-sale situations. Without bond all you can do is to test the iron will when recession hits.
by Tyler Aspect
Wed Apr 19, 2017 11:16 pm
Forum: Investing - Help with Personal Investments
Topic: Switched from Ameriprise to Fidelity, now what?
Replies: 4
Views: 519

Re: Switched from Ameriprise to Fidelity, now what?

Hi, your plan looked reasonable to me. Appreciated stocks can be donated to save some taxes. Fidelity has a donor advised fund suitable for charities that cannot accept appreciated stocks. You can spread out the selling of funds across multiple years to lessen the effect of realizing capital gains. ...
by Tyler Aspect
Wed Apr 19, 2017 6:37 pm
Forum: Investing - Help with Personal Investments
Topic: Indirectly Overloading 401k with Bond Funds?
Replies: 2
Views: 257

Re: Indirectly Overloading 401k with Bond Funds?

I am currently maintaining an asset allocation of 80/20 domestic equities/bonds across three accounts: Roth IRA, 401k(trad), and taxable -– all Vanguard. I have a Trad IRA that I use only to do back-door Roth IRA conversions, as I am in the 33% tax bracket. My 20% "bonds" consists of Vang...
by Tyler Aspect
Wed Apr 19, 2017 6:13 pm
Forum: Investing - Help with Personal Investments
Topic: Periodic Investing and Wanting the Market to Drop
Replies: 28
Views: 3001

Re: Periodic Investing and Wanting the Market to Drop

Hello, I have read countless times that if you are routinely and periodically investing in a market that you should be happy when that market drops because you start to get shares at a cheaper price. I struggle to wrap my head around that philosophy and am hoping for your help to understand it. I r...
by Tyler Aspect
Wed Apr 19, 2017 6:07 pm
Forum: Investing - Help with Personal Investments
Topic: Mobileye (MBLY) shares
Replies: 3
Views: 472

Re: Mobileye (MBLY) shares

I read that the tender offer will last until June 21, 2017. I copied a small section off the tender offer document from sec.gov dated April 5: * If you hold Shares through a broker, dealer, commercial bank, trust company or other nominee, you must contact your broker, dealer, commercial bank, trust ...
by Tyler Aspect
Wed Apr 19, 2017 5:05 pm
Forum: Investing - Help with Personal Investments
Topic: SEP Portfolio Help
Replies: 2
Views: 211

Re: SEP Portfolio Help

Hi, I'm 32 years old and am able to invest a max of $4,647 for my 2016 SEP contribution. This is going to be my very first contribution ever to any retirement account. I want to keep this extremely simple and and Boglefied. Here's where my head is at: Invest in 2 Vanguard funds. 1. Either index 500...
by Tyler Aspect
Tue Apr 18, 2017 9:34 pm
Forum: Investing - Help with Personal Investments
Topic: Portfolio Advice - Taxable Accounts/Passive Income
Replies: 10
Views: 778

Re: Portfolio Advice - Taxable Accounts/Passive Income

Current retirement assets Taxable - $20K 100% Vanguard LifeStrategy Income Fund Investor Shares (VASIX) (0.12%) Is this fund your emergency cash fund? If it is then half of it should be in a money market fund. It it is not then holding an international fund in taxable account is more tax efficient ...
by Tyler Aspect
Tue Apr 18, 2017 9:21 pm
Forum: Investing - Help with Personal Investments
Topic: Inherited over $500k looking to invest & produce income
Replies: 13
Views: 2272

Re: Inherited over $500k looking to invest & produce income

My goals: 1. To have 3-4 rental houses to generate approx. $2,500 per month cash flow ($25k - $30k per year) 2. Invest money to generate another $20k - $25k per year 3. Invest remainder of money long term 4. Sell current house and move to semi retire early in next 5-7 years (to do so we need to gen...
by Tyler Aspect
Tue Apr 18, 2017 6:23 pm
Forum: Investing - Help with Personal Investments
Topic: Mobileye (MBLY) shares
Replies: 3
Views: 472

Re: Mobileye (MBLY) shares

http://intelandmobileye.transactionannouncement.com/

I will just share the above link for now.
by Tyler Aspect
Tue Apr 18, 2017 6:14 pm
Forum: Investing - Help with Personal Investments
Topic: How to withdraw income from the Nest Egg?
Replies: 10
Views: 1304

Re: How to withdraw income from the Nest Egg?

Usually I fund at least half year of my expenses every early January, then another half year of funding around June.

If you are at RMD age there is an option to donate IRA asset to qualified charities. This will get some tax saving compared to donating using after tax money.
by Tyler Aspect
Tue Apr 18, 2017 5:53 pm
Forum: Investing - Help with Personal Investments
Topic: Portfolio Advice - Taxable Accounts/Passive Income
Replies: 10
Views: 778

Re: Portfolio Advice - Taxable Accounts/Passive Income

Hello everyone, This is my first post and seeking some portfolio advice. I am active duty military and do real estate investing on the side. Recently, I deposited my emergency fund in a taxable account with Vanguard (VASIX) and reinvest the dividends and capital gains. I max out my Roth IRA but don...
by Tyler Aspect
Tue Apr 18, 2017 11:25 am
Forum: Investing - Help with Personal Investments
Topic: Need Some Investment Advice
Replies: 5
Views: 585

Re: Need Some Investment Advice

US tax laws impact the decision that we make about the kind of investments that should go into our investment accounts. I have summarized below the ordering of placement preference for each investment types. the preferred location for each investment type in order of most preferred location to least...
by Tyler Aspect
Tue Apr 18, 2017 10:48 am
Forum: Investing - Help with Personal Investments
Topic: Wife's Money - 50K - Her Advisor vs My DIY - Help
Replies: 67
Views: 5328

Re: Wife's Money - 50K - Her Advisor vs My DIY - Help

My wife once paid $100 to learn how to sell insurance products, and I tagged along to attend their training seminar. One of the big producers taught the introduction sales course about some basic elements of financial planning, but the end goal is still to get the customers' trust in order to sell i...
by Tyler Aspect
Mon Apr 17, 2017 10:26 pm
Forum: Investing - Help with Personal Investments
Topic: Help with 529 Asset Allocation
Replies: 2
Views: 289

Re: Help with 529 Asset Allocation

We are transferring our high fee advisor 529s into either Utah or New York. I have a 4 year old (currently 12K in his account) and 1 year old ($3600 in his account) and we put $250/per kid monthly into it. Since it's a shorter time frame until I'll need the money, what are some general guidlines fo...
by Tyler Aspect
Mon Apr 17, 2017 9:55 pm
Forum: Investing - Help with Personal Investments
Topic: My Story so far. Totally confused! Vanguard, Charles Schwab, Merrill Edge. Managing own portfolio... or NOT?
Replies: 86
Views: 5799

Re: My Story so far. Totally confused! Vanguard, Charles Schwab, Merrill Edge. Managing own portfolio... or NOT?

Hi Tyler Aspect, Where can I see the actual percentage of large-cap, mid-cap and small-cap within VTI? I looked through here but didn't see that information... https://personal.vanguard.com/us/funds/snapshot?FundId=0970&FundIntExt=INT I do see the sector composition but that is actually somethi...
by Tyler Aspect
Mon Apr 17, 2017 12:57 pm
Forum: Investing - Help with Personal Investments
Topic: My Story so far. Totally confused! Vanguard, Charles Schwab, Merrill Edge. Managing own portfolio... or NOT?
Replies: 86
Views: 5799

Re: My Story so far. Totally confused! Vanguard, Charles Schwab, Merrill Edge. Managing own portfolio... or NOT?

So I guess right now most of where my confusion lies is in the bond portion and international. I am pretty much in consensus on the stock portion (I chose large-cap, mid-cap and small-cap separately rather than total stock index but this is ok with most people). And that's half of the portfolio, so...
by Tyler Aspect
Mon Apr 17, 2017 12:24 pm
Forum: Investing - Help with Personal Investments
Topic: Donor advised fund - Fidelity or Schwab?
Replies: 8
Views: 531

Donor advised fund - Fidelity or Schwab?

I am looking into putting some money a donor advised fund. I doubt if Vanguard's donor advised fund is a match for me because its initial investment amount of $25,000 is too high for me. Suppose I need to fund the donor advised fund by transferring appreciated assets from Vanguard, how does Fidelity...
by Tyler Aspect
Sat Apr 15, 2017 9:48 pm
Forum: Investing - Help with Personal Investments
Topic: Need Some Investment Advice
Replies: 5
Views: 585

Re: Need Some Investment Advice

When we are young we can hold more stocks for a higher return. As we grow old then we should hold more bonds to have more stability. I have presented below a typical asset allocation glide path chart, offering a range of possible allocations between aggressive, normal, and conservative. http://drive...
by Tyler Aspect
Fri Apr 14, 2017 11:34 pm
Forum: Investing - Help with Personal Investments
Topic: Sep IRA for a small business owner
Replies: 5
Views: 423

Re: Sep IRA for a small business owner

I would suggest investing half into Vanguard Total Bond Market Index Fund Admiral Shares, and the other half into Vanguard Total Stock Market Index Fund Admiral Shares.
by Tyler Aspect
Thu Apr 13, 2017 11:55 pm
Forum: Investing - Help with Personal Investments
Topic: help with my portfolio
Replies: 6
Views: 478

Re: help with my portfolio

Here is my current financial picture... Emergency fund = Do not have one. Debt = Mortgage 3.75% for 30 years, balance = $118,000, payment = $556/month No other debt. Tax filing status: Married filing jointly Tax rates: 25% federal; State = 7.15% State of residence = Maine His age = 57 Her age = 57 ...
by Tyler Aspect
Wed Apr 12, 2017 10:06 pm
Forum: Investing - Help with Personal Investments
Topic: New Solo 401k - would appreciate some help/guidance.
Replies: 4
Views: 322

Re: New Solo 401k - would appreciate some help/guidance.

You can take a look at VTI, which is Vanguard Total Stock Market ETF. Reducing the number of ETFs from three down to one simplifies your portfolio. I noticed that Schwab has set their index fund expenses to very low level. They seemed eager to get some business away from Vanguard. I understand you a...
by Tyler Aspect
Wed Apr 12, 2017 9:08 pm
Forum: Investing - Help with Personal Investments
Topic: The good the bad and the ugly! Seeking Advice!
Replies: 10
Views: 1601

Re: The good the bad and the ugly! Seeking Advice!

Thanks! Can you help me understand why contributing to a taxable account would be preferable to maxing out the amount I can contribute to a tax deferred account? Any thoughts on what to do with the $35k in the 401a if I don't do a SEP-IRA or a solo-401k? I like the 401k recommendation! A stock inde...
by Tyler Aspect
Wed Apr 12, 2017 1:14 pm
Forum: Investing - Help with Personal Investments
Topic: The good the bad and the ugly! Seeking Advice!
Replies: 10
Views: 1601

Re: The good the bad and the ugly! Seeking Advice!

I look at finances about once every 5 years and see that the last time I posted was in 2011. I reset everything and that is the way it has stayed since then. Over the past two months I have dedicated to learning more and trying to stay on top of things. I have read the Millionaire Next Door, Bogleh...
by Tyler Aspect
Wed Apr 12, 2017 11:19 am
Forum: Investing - Help with Personal Investments
Topic: Advise needed - First time investing, about to retire.
Replies: 9
Views: 1017

Re: Advise needed - First time investing, about to retire.

Hello, Never had a retirement account. I just opened up a Traditional IRA account and will be funding the max 6500 for me and 6500 for my spouse (13k Total). I will be in a lower bracket in retirement and hence thought of the Traditional account. My current age is 59. - I have around 70k saved up i...
by Tyler Aspect
Wed Apr 12, 2017 10:46 am
Forum: Investing - Help with Personal Investments
Topic: STRIPS ladder to buy my retirement home?
Replies: 13
Views: 1228

Re: STRIPS ladder to buy my retirement home?

Generally I would not advice acquiring a new mortgage loan during retirement. Renting is a more flexible arrangement.
by Tyler Aspect
Tue Apr 11, 2017 9:25 pm
Forum: Investing - Help with Personal Investments
Topic: Is Vanguard Targeted Retirement Fund too risky?
Replies: 10
Views: 1089

Re: Is Vanguard Targeted Retirement Fund too risky?

I think it is interesting to note that the inception date for Target Retirement 2055 was August 2010. If this fund's investors had no prior experience dealing with stock funds during a recession, I would completely understand that people would bail out during the next recession. Any pitch of "n...
by Tyler Aspect
Tue Apr 11, 2017 8:11 pm
Forum: Investing - Help with Personal Investments
Topic: Is Vanguard Targeted Retirement Fund too risky?
Replies: 10
Views: 1089

Re: Is Vanguard Targeted Retirement Fund too risky?

Mingfriz wrote:The Vanguard Targeted Retirement Fund 2040 has 90% in stock and 10% in bond. While I have heard holding the bond percentage should roughly equate to your age. So for a 40 year old, is holding 90% stock too risky?


Yes. I think that is likely the case, particularly if you are new to investing.
by Tyler Aspect
Tue Apr 11, 2017 4:37 pm
Forum: Investing - Help with Personal Investments
Topic: Helping daughter w/403b
Replies: 6
Views: 382

Re: Helping daughter w/403b

I am trying to help my daughter with her 403(b). She just started a new job and has access to Fidelity funds. She has tons to choose from. I am helping her do a 3 fund portfolio. I know many on this forum use Fidelity so my question is which bond fund to use... US Bond Index Premium class (FSITX)(E...
by Tyler Aspect
Tue Apr 11, 2017 4:28 pm
Forum: Investing - Help with Personal Investments
Topic: help with solo 401k- newbie
Replies: 3
Views: 221

Re: help with solo 401k- newbie

Hi All- Newbie here After reading this forum and a few of the recommended books on this site (which has changed my life!)I decided to take control of my solo 401k and move it from Ascensus to Charles Schwab. I put together three different portfolio options (two that I found on this form) but was ho...
by Tyler Aspect
Tue Apr 11, 2017 12:50 am
Forum: Investing - Help with Personal Investments
Topic: Global nomad from EU seeks 1 more bond Etf for diversification
Replies: 3
Views: 298

Re: Global nomad from EU seeks 1 more bond Etf for diversification

Are you living in Montenegro? Do you have American citizenship?

You have to be sure of tax implications before going ahead and purchasing an ETF. The country of domicile for the ETF is quite important.
by Tyler Aspect
Mon Apr 10, 2017 7:08 pm
Forum: Investing - Help with Personal Investments
Topic: Pulling Ripcord from FA, Advice on Portfolio
Replies: 8
Views: 1093

Re: Pulling Ripcord from FA, Advice on Portfolio

My suggestion is just to remove all the 5% little slices of attention catching idea funds. All that 5% here and there just means you are dipping your toes into these funds, but you will not stick with them if they do not do well. The strength of index based investing is supposed to be simple and gen...
by Tyler Aspect
Sun Apr 09, 2017 9:58 pm
Forum: Investing - Help with Personal Investments
Topic: 39 yrs risk adverse, just mortgage free, how to invest for self + help mom?
Replies: 9
Views: 970

Re: 39 yrs risk adverse, just mortgage free, how to invest for self + help mom?

I have gathered some data about how asset allocation decision impacts the average annual returns (2007 to 2016) and a recession year return (2008). Source data: http://pages.stern.nyu.edu/~adamodar/New_Home_Page/datafile/histretSP.html 80% stock / 20% bond : average return 7.93%; year 2008 return -2...
by Tyler Aspect
Sun Apr 09, 2017 7:28 pm
Forum: Investing - Theory, News & General
Topic: 3 legs
Replies: 10
Views: 1504

Re: 3 legs

Pros and cons? Set 1 Vanguard Wellington, Admiral, VWENX-40% Vanguard Wellesley, Admiral,VWIAX-30% Vanguard Total Stock Mkt. Index, Admiral, VTSAX-30% VS. Set 2 Vanguard Total Stock Mkt. Index, Admiral, VTSAX-60% Vanguard, Total Bond Mkt. Index, Admiral, VBTLX-40% or Set 3 Vanguard Total Stock Mkt....

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