Search found 551 matches

by Tyler Aspect
Tue Dec 12, 2017 12:25 am
Forum: Investing - Help with Personal Investments
Topic: Take Two: Need Advice on the next 30 years
Replies: 9
Views: 1057

Re: Take Two: Need Advice on the next 30 years

I calculated that $50k of bond would give you a 80% stock / 20% bond portfolio. If you would want a 70% stock / 30% bond portfolio it would be fine as well. 70% stock / 30% bond would give you a bit less return, but more stability. The rules on wash sales are a bit complicated. If you are selling a ...
by Tyler Aspect
Tue Dec 12, 2017 12:07 am
Forum: Investing - Help with Personal Investments
Topic: Take Two: Need Advice on the next 30 years
Replies: 9
Views: 1057

Re: Take Two: Need Advice on the next 30 years

Thanks for supplying the US stock index information for the new 401k program. The S&P 500 index is similar to the US total stock market index, and therefore close enough for inclusion. If you need to take a tax loss in the taxable TSM fund, do it on Feb 10, May 10, Aug 10, or Nov 10. This avoids the...
by Tyler Aspect
Mon Dec 11, 2017 11:39 pm
Forum: Investing - Help with Personal Investments
Topic: Take Two: Need Advice on the next 30 years
Replies: 9
Views: 1057

Re: Take Two: Need Advice on the next 30 years

Can you post your new 401k's offering of US stock indexes?

You mentioned the usual recommendation that international stock allocation should be in the taxable account. That allows the foreign tax credit to be declared in 1040 tax form.
by Tyler Aspect
Mon Dec 11, 2017 4:23 pm
Forum: Investing - Help with Personal Investments
Topic: How best to invest Inherited IRA with 5 year planned draw period?
Replies: 13
Views: 627

Re: How best to invest Inherited IRA with 5 year planned draw period?

Possibly Fidelity Short-Term Bond Index Fund - Premium Class, that is if you are willing to let the net asset value fluctuate (chance to lose money).
by Tyler Aspect
Mon Dec 11, 2017 11:40 am
Forum: Investing - Help with Personal Investments
Topic: Advice on an international allocation fund decision: DFISX, DFCEX, DODFX, VFSVX, SFNNX
Replies: 3
Views: 300

Re: Advice on an international allocation fund decision: DFISX, DFCEX, DODFX, VFSVX, SFNNX

Our few good choices are: DFA International Small Company (DFISX .53) DFA Emerging Markets Core (DFCEX .53) Vanguard International Small (VFSVX .27) Dodge and Cox International (DODFX .64) Schwab Fundamental International Large Company (SFNNX .25) Schwab Fundamental International Large Company has ...
by Tyler Aspect
Sun Dec 10, 2017 10:35 pm
Forum: Investing - Help with Personal Investments
Topic: How would you save for retirement if you were 28?
Replies: 11
Views: 2025

Re: Questions on AA for retirement

I'm 28 with a 75-80K annual income. I aim to hold onto $30K of my savings (6-month emergency fund + nest egg for house downpayment) and I'd like to add $5K each year to that cash to save for a downpayment on a house in next 4-5 years. Welcome to Bogleheads. For down-payment savings you can open a V...
by Tyler Aspect
Sun Dec 10, 2017 5:55 pm
Forum: Investing - Help with Personal Investments
Topic: Minimize Expense Ratios or Bonds in 401(k)?
Replies: 10
Views: 670

Re: Minimize Expense Ratios or Bonds in 401(k)?

(From original poster's previous posts) Russell Investment Contract Fund (0.30%) The Investment Contract Fund seeks to provide safety of principal and a favorable rate of return. Russell Fixed Income Fund (0.41%) Russell Inflation Protected Securities Fund (0.28%) These bond fund options have moder...
by Tyler Aspect
Sun Dec 10, 2017 1:40 pm
Forum: Investing - Help with Personal Investments
Topic: Portfolio advice: Total market vs Larry Portfolio
Replies: 44
Views: 3841

Re: Portfolio advice: Total market vs Larry Portfolio

Hello everyone, My partner and I recently moved to the states and I want to start putting money away for retirement. This is where we are right now: - No debt. - Plan to retire in ~25 yrs. - Currently building the emergency fund. We expect to start investing around February. - The wife gets a 401k ...
by Tyler Aspect
Sun Dec 10, 2017 1:10 pm
Forum: Investing - Help with Personal Investments
Topic: Windfall of 1.5 millions
Replies: 10
Views: 2114

Re: Windfall of 1.5 millions

A sample portfolio of 50% stock / 50% bond for long term investment:

25% US Stock index (VTI)
25% Global stock index (VT)
25% Intermediate Term Government Bond Index (VGIT)
25% Intermediate Term Corporate Bond Index (VCIT)

For short term savings you can use Vanguard Short Term Bond Index (VBIRX).
by Tyler Aspect
Sat Dec 09, 2017 6:43 pm
Forum: Investing - Help with Personal Investments
Topic: Need advice on how to start investing
Replies: 6
Views: 643

Re: Need advice on how to start investing

Welcome to Bogleheads. In general bonds are there to stabilize an investment portfolio. Intermediate term bond index (BIV) has yield of 2.67% - higher than the rate of current inflation. For an investor 30 years old, 20% to 30% of the investment should in bond funds. For stock, equal portions of US ...
by Tyler Aspect
Fri Dec 08, 2017 10:19 pm
Forum: Investing - Help with Personal Investments
Topic: A new boglehead with questions
Replies: 6
Views: 599

Re: A new boglehead with questions

I disagree with considering your pension funds as your fixed income allocation. Some people think of a pension as a (potential) bond which means they feel they can take more risks and therefore hold fewer actual bonds. Some think of it as a (potential) reliable income stream which means they have l...
by Tyler Aspect
Fri Dec 08, 2017 9:40 pm
Forum: Investing - Help with Personal Investments
Topic: Portfolio Review
Replies: 4
Views: 536

Re: Portfolio Review

Your individual company stock ratio is still too high. The general recommendation I have read said to keep it under 10%.

Looks fine otherwise. :beer
by Tyler Aspect
Fri Dec 08, 2017 9:22 pm
Forum: Investing - Help with Personal Investments
Topic: Investing [finding an efficient frontier]
Replies: 5
Views: 369

Re: Investing [finding an efficient frontier]

If you use broad market index funds such as US stock index, international stock index, US bond index in the usual sensible ratios then you will be automatically be at the efficient frontier or somewhere close to it.

These are some of the underpinnings of the theory of index funds.
by Tyler Aspect
Fri Dec 08, 2017 7:37 pm
Forum: Investing - Help with Personal Investments
Topic: Have been sitting out, and ready to invest the Bogle way
Replies: 18
Views: 2306

Re: Have been sitting out, and ready to invest the Bogle way

I would also tag you as a very cautious investor. It is unlikely that you will be able to stomach a more aggressive portfolio during a recession. If anything a more conservative allocation than your age group suggests should be the prescription. I can see that the fact you did not participate in the...
by Tyler Aspect
Fri Dec 08, 2017 7:16 pm
Forum: Investing - Help with Personal Investments
Topic: ETF Picks for Rollover IRA and Allocation
Replies: 17
Views: 612

Re: ETF Picks for Rollover IRA and Allocation

livesoft wrote:
Fri Dec 08, 2017 5:31 pm
You know that VT completely contains the stocks of VTI within it, right?
Yes. This is a nice way to have three servings of US stock and one serving of international stock without involving fractional ratios.
by Tyler Aspect
Fri Dec 08, 2017 7:10 pm
Forum: Investing - Help with Personal Investments
Topic: Bond vs Bond Fund? why funds?
Replies: 25
Views: 1662

Re: Bond vs Bond Fund? why funds?

Something simple for the Fidelity account would be:

50% Fidelity Four-In-One Index Fund
50% Fidelity US Bond Index Fund

42% stock / 58% bond

I would not be in favor of SPIA because the principle amount would disappear.
by Tyler Aspect
Fri Dec 08, 2017 2:54 pm
Forum: Investing - Help with Personal Investments
Topic: ETF Picks for Rollover IRA and Allocation
Replies: 17
Views: 612

Re: ETF Picks for Rollover IRA and Allocation

What does your taxable holdings look like? You should post using the format of the pinned topic "Asking Portfolio Questions".

"IF" you do not have other investments, then possibly this:

25% VTI - US stock
25% VT - global stock
25% VGIT - US government bond
25% VCIT - US corporate bond
by Tyler Aspect
Fri Dec 08, 2017 2:40 pm
Forum: Investing - Help with Personal Investments
Topic: Help choosing bond fund for nontaxable work acct
Replies: 6
Views: 372

Re: Help choosing bond fund for nontaxable work acct

"Past performance does not predict future return" Highly rated Morningstar funds should be avoided because of their historical high return. :shock: Instead, you should rank by expense ratio. The lowest one wins. 0.80% expense ratio is fairly bad, because it basically erases about 1/3 of your potenti...
by Tyler Aspect
Fri Dec 08, 2017 1:20 pm
Forum: Investing - Help with Personal Investments
Topic: Does a Boglehead ever time the market?
Replies: 65
Views: 4137

Re: Does a Boglehead ever time the market?

chevca wrote:
Fri Dec 08, 2017 8:56 am
livesoft wrote:
Fri Dec 08, 2017 8:37 am
Everybody times the market to one degree or another. If you're a Boglehead though, you will never admit it.
Or, calls it something else... like rebalancing on a RBD? :happy
Yes, sometimes I am feeling bouncy, but that is a secret ! :shock:
by Tyler Aspect
Fri Dec 08, 2017 1:05 pm
Forum: Investing - Help with Personal Investments
Topic: Question about Roth TSP for active duty military
Replies: 9
Views: 665

Re: Question about Roth TSP for active duty military

Welcome to Bogleheads. In general future return rates are impossible to determine. Even average return for known asset classes extrapolated into the future is extremely inaccurate. Similarly what you could safely withdrawal 12 years into the future is similarly murky. We can only hope by investing s...
by Tyler Aspect
Fri Dec 08, 2017 12:32 pm
Forum: Investing - Help with Personal Investments
Topic: Got a little carried away, now stuck...
Replies: 12
Views: 2793

Re: Got a little carried away, now stuck...

Three fund portfolio is tried and true approach to retirement investing. You will just have to resist the temptation to bounce all over the place. Often one of these neat ideas will be the most popular at their return ceiling. By the time you jump in they could be ready to drop to the average range....
by Tyler Aspect
Fri Dec 08, 2017 12:11 pm
Forum: Investing - Help with Personal Investments
Topic: Roth conversion for solo 401k?
Replies: 6
Views: 327

Re: Roth conversion for solo 401k?

If you want to buy company stock, then you should sell some of your existing stocks. If it is really going to double within a year, then the 15% capital gains tax is not that significant.

In general you should limit company stock to less than 10% of your holdings.
by Tyler Aspect
Thu Dec 07, 2017 4:40 pm
Forum: Investing - Theory, News & General
Topic: Bitcoin now the largest quantifiable bubble in history?
Replies: 88
Views: 6718

Re: Bitcoin now the largest quantifiable bubble in history?

In another one of the many bitcoin threads on bogleheads right now, someone said his teenage kid was asking if he could buy bitcoin. I suspect that the bubble will be popping soon. If teenagers are buying, then anyone who wants bitcoin already has it. I would say when grandmas or grandpas start buy...
by Tyler Aspect
Wed Dec 06, 2017 1:00 pm
Forum: Investing - Help with Personal Investments
Topic: WellsTrade and Vanguard Mutual Funds - Maybe exit
Replies: 19
Views: 750

Re: WellsTrade and Vanguard Munis - Maybe exit

I do not see a need to sell your Total Stock Index Fund at all. Just leave it where it is. Since you do not have any losses all this discussion is hypothetical. But do turn off dividend and capital gains reinvestment. I hate these small lots. I usually purchase funds in multiples of a thousand dolla...
by Tyler Aspect
Wed Dec 06, 2017 12:43 pm
Forum: Investing - Theory, News & General
Topic: Are Dividends Perceived as Moral; Capital Value Changes as Immoral?
Replies: 55
Views: 3072

Re: Are Dividends Perceived as Moral; Capital Value Changes as Immoral?

Receiving dividend may give a deceptive perception of receiving some value, but the asset price is reduced by the same dollar amount so that overall it is a wash. In my mind, this is a kind of forced selling whether I wanted it or not. Possibly evil.
by Tyler Aspect
Tue Dec 05, 2017 6:56 pm
Forum: Personal Finance (Not Investing)
Topic: New homeowner/Struggling to manage money
Replies: 6
Views: 1535

Re: New homeowner/Struggling to manage money

To make a long story short, an abrupt death caused me to inherit a large sum of money. At the same time (not out of the money I inherited) a house was purchased in my name. I'm 20. I'm trying to get to school, and I have 0 idea of how to manage all that I've been given. I have a full time job in re...
by Tyler Aspect
Tue Dec 05, 2017 12:26 am
Forum: Personal Consumer Issues
Topic: Philanthropy and related issues
Replies: 50
Views: 3339

Re: Philanthropy and related issues

I am on a charitable donation committee at my local church. We focus on a few specific areas, and they are food, shelter, education, and health-care. We will have typically 10 charities on our support list, and we monitor the charities for addition / deletion on a yearly basis.
by Tyler Aspect
Mon Dec 04, 2017 10:49 pm
Forum: Investing - Help with Personal Investments
Topic: Help Damsel In Distress
Replies: 15
Views: 2506

Re: Help Damsel In Distress

Hello I need help. I have done a lot of reading on investments and I am not understanding most of it and I do not know what to do. I will be 54. I am self employed and make about $40,000.00 a year. I rent my house $1000.00 a month, thinking about buying. My house hold expenses are around.$3500.00 i...
by Tyler Aspect
Mon Dec 04, 2017 7:25 pm
Forum: Investing - Help with Personal Investments
Topic: Pension - Annuity vs accelerated payments - which should I choose?
Replies: 6
Views: 621

Re: Pension - Annuity vs accelerated payments - which should I choose?

See if you have the option to do a lump sum rollover to a traditional rollover IRA account. This would delay income until the arrival of Required Minimum Distributions.
by Tyler Aspect
Mon Dec 04, 2017 6:52 pm
Forum: Investing - Help with Personal Investments
Topic: Fidelity FIAM investments
Replies: 2
Views: 307

Re: Fidelity FIAM investments

You appear to be a conservative investor. A sample portfolio could look like this: 40% NT S&P 500 INDEX 10% NT MSCI ACWI IDX NL 50% NT AGGREG BOND INDEX One thing I learned is that the market does its own thing, paying no attention to our personal opinions. For example I wished the stock market to h...
by Tyler Aspect
Mon Dec 04, 2017 3:29 pm
Forum: Investing - Help with Personal Investments
Topic: VTINX for cautious mom with only taxable?
Replies: 6
Views: 1017

Re: VTINX for cautious mom with only taxable?

If you are worried about tax inefficiency of TIPS within VTINX for taxable account then you can split the money between:

50% Vanguard LifeStrategy Moderate Growth
50% Vanguard Intermediate Bond Index Admiral

This allocation remains at 30% stock / 70% bond.
by Tyler Aspect
Mon Dec 04, 2017 3:20 pm
Forum: Investing - Help with Personal Investments
Topic: Tracking ETFs
Replies: 8
Views: 572

Re: Tracking ETFs

You can turn off dividend and capital gains reinvestment, which gives a bit more cash for mortgage principle payment.
by Tyler Aspect
Mon Dec 04, 2017 12:03 am
Forum: Investing - Help with Personal Investments
Topic: How to fit cash balance plan into my asset allocation?
Replies: 7
Views: 826

Re: How to fit cash balance plan into my asset allocation?

In the current investment environment it is not possible to guarantee a 5% return. I would look at the plan document vary carefully.
by Tyler Aspect
Sun Dec 03, 2017 8:35 pm
Forum: Investing - Help with Personal Investments
Topic: Tax implications of balancing/exchanging funds
Replies: 9
Views: 591

Re: Tax implications of balancing/exchanging funds

Hi all, This is my first post, but I've been a long-time lurker and have learned a lot (thanks!) although perhaps the following questions will make you think otherwise. I've decided to to balance my investments myself based upon the percentages in Vanguards Target Retirement 2045 fund: US Stock: 54...
by Tyler Aspect
Sat Dec 02, 2017 11:14 pm
Forum: Investing - Help with Personal Investments
Topic: A " Bond Tent" During the "Retirement Red Zone?"
Replies: 52
Views: 4683

Re: A " Bond Tent" During the "Retirement Red Zone?"

I have read Michael Kitces' writing on increasing stock allocation during retirement. I felt it would require too much stock sell off just prior to retirement, and too much realized capital gains. Not sure if his strategy is easy to pull off in real life. I am more comfortable with keeping a steady ...
by Tyler Aspect
Sat Dec 02, 2017 10:40 pm
Forum: Investing - Help with Personal Investments
Topic: Why should I look globally at my portfolio between taxable and non taxable accounts ?
Replies: 13
Views: 1062

Re: Why should I look globally at my portfolio between taxable and non taxable accounts ?

I don't get it... I cannot sell what is in my tax deferred account for my short term needs. So let say I have 100% stock in my taxable account, and I lose 50%: I can not sell anything in my tax deferred account to compensate... And the opposite is the same if I'm more conservative. The money that I...
by Tyler Aspect
Sat Dec 02, 2017 9:56 pm
Forum: Investing - Help with Personal Investments
Topic: Why should I look globally at my portfolio between taxable and non taxable accounts ?
Replies: 13
Views: 1062

Re: Why should I look globally at my portfolio between taxable and non taxable accounts ?

You could use a short term bond fund to fund projected college expenses. The short term bond fund could be located in your tax deferred account. You can sell stock in the taxable account to fund immediate expenses, while exchanging your tax deferred short term bond index into a different stock index...
by Tyler Aspect
Fri Dec 01, 2017 2:04 pm
Forum: Local Chapters and Bogleheads Community
Topic: Wiki Challenge! Help fix our out-of-date links
Replies: 8
Views: 730

Re: Wiki Challenge! Help fix our out-of-date links

In some cases old links disappear from the web due to purging of old data by commercial entities or individual contributors. Very hard to find replacements.
by Tyler Aspect
Fri Dec 01, 2017 1:30 pm
Forum: Investing - Help with Personal Investments
Topic: Help with Asset Allocation, Glide Path and 'Finalizing' a plan... 6 yrs out
Replies: 19
Views: 1414

Re: Help with Asset Allocation, Glide Path and 'Finalizing' a plan... 6 yrs out

I disagree somewhat, not from a tax efficiency standpoint, but cash flow one. If you are considering moving/downsizing in early retirment you'll need some working cash to make the transition. Also, if we get into an economic downturn right as you retire, cash as CDs, high yield savings, etc. could ...
by Tyler Aspect
Fri Dec 01, 2017 1:10 am
Forum: Investing - Help with Personal Investments
Topic: Balanced fund in Taxable (How bad)
Replies: 10
Views: 1074

Re: Balanced fund in Taxable (How bad)

It depends. Often when you need to set up your elderly parents with a Vanguard account, being able to automatic pilot is more important than tax efficiency. If you set them up with a classic three fund portfolio then they could be confused about how to do the periodic rebalancing.
by Tyler Aspect
Thu Nov 30, 2017 3:45 pm
Forum: Investing - Help with Personal Investments
Topic: Help me help my mom -- moving taxable account from Raymond James to Vanguard
Replies: 7
Views: 708

Re: Help me help my mom -- moving taxable account from Raymond James to Vanguard

I will just add a bit that portfolio for elderly parents should be as simple as possible. Even a three fund portfolio that requires yearly rebalancing could be too complicated. Often a portfolio as simple as half in Vanguard Balanced Index, half in Vanguard LifeStrategy Conservative Growth would wor...
by Tyler Aspect
Thu Nov 30, 2017 3:28 pm
Forum: Investing - Help with Personal Investments
Topic: Got cash ... What to buy?
Replies: 10
Views: 1180

Re: Got cash ... What to buy?

Hi, you need to post your question in the format of the sticky topic "Asking Portfolio Questions". Your question can only be answered after we know more of what you own.
by Tyler Aspect
Thu Nov 30, 2017 1:52 pm
Forum: Investing - Help with Personal Investments
Topic: Reduce risk tolerance - Vanguard Target Funds
Replies: 43
Views: 1778

Re: Reduce risk tolerance - Vanguard Target Funds

Down just hit 24K and my tolerance for risk has reduced. Call it market timing but I'd like to reduce my risk(am in my 40s now) I have my entire 401K in Vanguard 2050 fund(89.97% Stocks/9.98% Bonds). Here is my thinking - poke any holes in it :D Existing $ in 401k - If I want to take on lower risk ...
by Tyler Aspect
Wed Nov 29, 2017 11:15 pm
Forum: Investing - Help with Personal Investments
Topic: Global nomad advice/newbie alert
Replies: 20
Views: 1765

Re: Global nomad advice/newbie alert

It seemed that your wife should own only US domiciled ETFs, while you own only non-US domiciled ETFs, with everything being separate accounts.

On the bond side, hold US and European bond ETFs. On the stock side I would recommend slight overweight US and Europe, but otherwise cover world wide.
by Tyler Aspect
Wed Nov 29, 2017 5:13 pm
Forum: Investing - Theory, News & General
Topic: Which crash have you seen it before it is coming?
Replies: 134
Views: 9668

Re: Which crash have you seen it before it is coming?

You might get advance notice by watching for yield curve inversion event. No guarantee that it would work every time though.

The exact moment of the crash is usually a complete surprise. As I recall the CEO of Lehman was playing bridge one day prior to his company collapsing.
by Tyler Aspect
Wed Nov 29, 2017 11:36 am
Forum: Investing - Help with Personal Investments
Topic: Help with Asset Allocation, Glide Path and 'Finalizing' a plan... 6 yrs out
Replies: 19
Views: 1414

Re: Help with Asset Allocation, Glide Path and 'Finalizing' a plan... 6 yrs out

I think you have a good plan. You should consider holding your planned CDs in your IRA account to maintain your current good tax efficiency. In the early retirement phase you are definitely selling stocks in the taxable account. To hold CDs in the taxable account is just for psychology reason and no...
by Tyler Aspect
Wed Nov 29, 2017 11:12 am
Forum: Investing - Help with Personal Investments
Topic: ETFs at Vanguard, Fidelity, or Schwab?
Replies: 3
Views: 250

Re: ETFs at Vanguard, Fidelity, or Schwab?

You can consult Bogleheads' wiki for the ETFs available at Fidelity and Charles Schwab. Usually Vanguard's offerings are better for money market funds, specific tax free bond funds, balanced funds, and a wider variety of ETFs. Fidelity https://www.bogleheads.org/wiki/Fidelity Charles Schwab https://...
by Tyler Aspect
Wed Nov 29, 2017 12:25 am
Forum: Investing - Help with Personal Investments
Topic: Certified Deposits [Certificates of Deposit - CDs]
Replies: 22
Views: 2293

Re: Certified Deposits

Very good, thx. Is a coupon rate rate same as interest or APR rate? Also, is there a time or situation when laddering is good to use? I wrote a presentation on brokered CDs for our local Bogleheads group; link below. Brokered CD in Retirement Portfolio https://drive.google.com/file/d/1UWtp_SQ5ZkNnz...
by Tyler Aspect
Tue Nov 28, 2017 7:49 pm
Forum: Investing - Help with Personal Investments
Topic: Help with transfer situation
Replies: 4
Views: 573

Re: Help with transfer situation

Maybe you can try Fidelity. Fidelity brokerage accounts have brokerage fee free purchases of iShare ETFs. TD recently changed their free ETF line-up, and the new list appeared to be not as good as the old list.
by Tyler Aspect
Tue Nov 28, 2017 5:35 pm
Forum: Investing - Help with Personal Investments
Topic: 403B Investing Strategy
Replies: 3
Views: 228

Re: 403B Investing Strategy

Welcome to Bogleheads. If you post using the format of the pinned topic "Asking Portfolio Questions", then we can better answer your question. At the minimum we need the 403B list, your age, and portfolio composition. Wellington is composed of 60% US stock / 40% US bond. If you want an analog of Wel...