Search found 164 matches

by Tyler Aspect
Wed May 24, 2017 5:02 pm
Forum: Investing - Help with Personal Investments
Topic: Investing FOR Retirement vs Investing IN Retirement
Replies: 25
Views: 2185

Re: Investing FOR Retirement vs Investing IN Retirement

There are a few differences, one being that investing in retirement is more defense oriented. Particularly on the fixed income side there is a more preference toward safe investments. Where total bond market is good enough while in the accumulation phase, when we are retired the chance for default n...
by Tyler Aspect
Wed May 24, 2017 10:39 am
Forum: Investing - Help with Personal Investments
Topic: Vanguard 401k advice
Replies: 8
Views: 360

Re: Vanguard 401k advice

Hello, I am 54 - playing catchup in a major way. Recently started a position with the below options. I have less than 100k in a 401k that I will roll over from OneAmerica (awful thing). Any suggestions on allocation would be most welcome and appreciated. Vanguard Total Bond Mkt Ix Ist Pls VBMPX 085...
by Tyler Aspect
Wed May 24, 2017 10:25 am
Forum: Personal Consumer Issues
Topic: Tea recommendations
Replies: 8
Views: 716

Re: Tea recommendations

I have made online purchases from Teance and Red Blossom Tea Company before. Teance's best seller in Chinese Green Tea is Lu Shan Clouds and Mist. A good Oolong tea for beginners I can recommend Tung Ting tea. I brew my tea using a steel tea infuser in a Pyrex glass measuring cup (the minimum config...
by Tyler Aspect
Tue May 23, 2017 8:54 pm
Forum: Investing - Help with Personal Investments
Topic: Asymmetrical Risk-Reward in Tax-Deferred Accounts?
Replies: 5
Views: 371

Re: Asymmetrical Risk-Reward in Tax-Deferred Accounts?

Just a thought... With that amount of money I think you could switch to a 60% stock / 40% bond allocation right this moment to preserve what you have accumulated without that much cost to you.
by Tyler Aspect
Tue May 23, 2017 8:04 pm
Forum: Investing - Help with Personal Investments
Topic: Asymmetrical Risk-Reward in Tax-Deferred Accounts?
Replies: 5
Views: 371

Re: Asymmetrical Risk-Reward in Tax-Deferred Accounts?

One factor is the proportion of your tax deferred account versus your taxable account. One good way to minimize tax is to withdraw from an all stock taxable account from retirement until age 70.5. Convert a portion of tax deferred account to Roth IRA each year. This would reduce the tax bite of RMD ...
by Tyler Aspect
Tue May 23, 2017 7:40 pm
Forum: Investing - Help with Personal Investments
Topic: Gifted stocks cost basis
Replies: 7
Views: 463

Re: Gifted stocks cost basis

I was definitely reporting the dividends/distributions (and paying taxes) on these since taking ownership of the account. If you have a hard time figuring out cost basis there is the possibility of opening a donor advised fund and contributing with these stocks to get tax deductions without having ...
by Tyler Aspect
Tue May 23, 2017 7:11 pm
Forum: Investing - Help with Personal Investments
Topic: Investing Emergency Fund
Replies: 30
Views: 3003

Re: Investing Emergency Fund

Emergency cash can be invested in one year treasury bills. They are yielding around 1.1% at this moment, and interest tax-deferred for one year. They can be sold on the secondary market if you need the money.
by Tyler Aspect
Tue May 23, 2017 1:34 pm
Forum: Investing - Theory, News & General
Topic: Case against long-term TIPS
Replies: 46
Views: 7282

Re: Case against long-term TIPS

One thought I have is that TIPS can lose their principle when there is deflation, where non-TIP varieties stay put. My current thinking on inflation fighting with fixed income instruments is based on holding multiple bond types, keeping some cash, and dialing in more short term bonds.
by Tyler Aspect
Tue May 23, 2017 1:16 pm
Forum: Investing - Help with Personal Investments
Topic: Portfolio Review for 2017 Contribs
Replies: 1
Views: 202

Re: Portfolio Review for 2017 Contribs

Emergency funds: 6 to 9 months in cash Debt: Mortgage at 3.25% with 150k balance remaining Tax Filing Status: MFJ with 2 dependents under age 4 Tax Rate: 25% Federal, 4.5% State State of Residence: OH Age: 31, spouse 32 Desired Asset allocation: 85% stocks / 15% bonds Desired International allocati...
by Tyler Aspect
Mon May 15, 2017 3:17 pm
Forum: Investing - Theory, News & General
Topic: Best way to hold Treasury Bills???
Replies: 37
Views: 3227

Re: Best way to hold Treasury Bills???

Some of you reading this thread, especially those concerned about the low yield, might enjoy this new article: UNDERSTANDING CASH WILL MAKE YOU A BETTER AND HAPPIER INVESTOR https://portfoliocharts.com/2017/05/12/understanding-cash-will-make-you-a-better-and-happier-investor/ Very interesting indee...
by Tyler Aspect
Sun May 14, 2017 10:21 am
Forum: Investing - Help with Personal Investments
Topic: Is there any reason I should invest any additional money into bonds?
Replies: 29
Views: 2483

Re: Is there any reason I should invest any additional money into bonds?

Owning fixed income investments trains discipline of periodic re-balancing. It also opens up learning opportunities about various aspects of fixed income investments. Hopefully when we retire we are able to use the knowledge gained to manage a greater portion of fixed income investments properly.
by Tyler Aspect
Sat May 13, 2017 11:10 pm
Forum: Investing - Help with Personal Investments
Topic: Left Ameriprise, Looking for general comments and advice
Replies: 13
Views: 1008

Re: Left Ameriprise, Looking for general comments and advice

The underlying securities of a pension plan is usually 40% stock / 60% bond. You can take a look at your pension value to figure out the indirect bond that you own.
by Tyler Aspect
Sat May 13, 2017 2:10 pm
Forum: Investing - Help with Personal Investments
Topic: Questions to Start
Replies: 19
Views: 1066

Re: Questions to Start

Background: I am a medical resident with another two years until I am finished with my training. My current saving ability is low, but I have tried to get into the practice of putting something away with regularity. Obviously, I am at the beginning of the race, but I want to start strong so I can e...
by Tyler Aspect
Sat May 13, 2017 1:41 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard's safest all-equity fund
Replies: 59
Views: 4895

Re: Vanguard's safest all-equity fund

All equity funds are risky, but they produce higher return. Bond funds brings stability, but they have lower return. The most important preparation step in investing is to thinking about how you will determine your asset allocation in terms of the percentages of stocks versus bonds. When we are youn...
by Tyler Aspect
Sat May 13, 2017 1:36 pm
Forum: Investing - Help with Personal Investments
Topic: Changing portfolio in retirement
Replies: 7
Views: 722

Re: Changing portfolio in retirement

Looking for thoughts on my idea. Background info: I am 69yrs/spouse 66yrs and we are collecting SS total = $50,000/year. No other income. We are withdrawing $1500/month out of taxable account to cover expenses. RMD starts May 2018, with first withdrawal ~$51,000. Plan is to continue to use taxable ...
by Tyler Aspect
Thu May 11, 2017 11:53 pm
Forum: Investing - Help with Personal Investments
Topic: Play-money Investment Simulator?
Replies: 11
Views: 894

Re: Play-money Investment Simulator?

Any good ones out there? Would like to play around with some non-bogle techniques such as options, and short-term trading :twisted: . Not a good idea; you will just pick up gambling tendencies and tie that with your investments. The thing I am still trying to improve is transaction minimization and...
by Tyler Aspect
Thu May 11, 2017 11:35 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard Information Technology - VGT or VITAX
Replies: 49
Views: 2417

Re: Vanguard Information Technology - VGT or VITAX

The largest companies by market capitalization in the United States are Apple, Alphabet, and Microsoft. You can't escape them if you already have the total stock index fund. No need to buy VGT or VITAX.
by Tyler Aspect
Thu May 11, 2017 11:25 pm
Forum: Investing - Help with Personal Investments
Topic: Recommendation for set and forget fund
Replies: 7
Views: 1091

Re: Recommendation for set and forget fund

Hi,
The Balanced Index is similar to Wellington but managed according to index composition. We cannot say much beyond that because we do not know what is your target asset allocation in terms of percentage of stocks versus bonds.
by Tyler Aspect
Thu May 11, 2017 2:25 pm
Forum: Investing - Help with Personal Investments
Topic: Defect in Vanguard Asset Mix Chart
Replies: 8
Views: 516

Re: Defect in Vanguard Asset Mix Chart

Right. I uploaded an image that did not show the problem; my fault. I will remove that image now.
by Tyler Aspect
Thu May 11, 2017 2:14 pm
Forum: Investing - Help with Personal Investments
Topic: Defect in Vanguard Asset Mix Chart
Replies: 8
Views: 516

Re: Defect in Vanguard Asset Mix Chart

Ok. I guess this is not a big deal. I will just have to remember not to re-balance while I have unsettled transactions.
by Tyler Aspect
Thu May 11, 2017 1:36 pm
Forum: Investing - Help with Personal Investments
Topic: Defect in Vanguard Asset Mix Chart
Replies: 8
Views: 516

Re: Defect in Vanguard Asset Mix Chart

David Jay wrote:How is this a defect? Since you have not settled, you in fact have that much cash.

The security that I bought do show up in the chart. It is double counting my bought security and the cash used to buy it.
by Tyler Aspect
Thu May 11, 2017 1:26 pm
Forum: Investing - Help with Personal Investments
Topic: Defect in Vanguard Asset Mix Chart
Replies: 8
Views: 516

Defect in Vanguard Asset Mix Chart

I have a heads up regard Vanguard's Asset Mix Chart being inaccurate if you have made a brokerage purchase that has not been fully settled. Any sweep cash that you have spent to purchase such a security will not be taken into account, so that the cash percentage will be too high. Vanguard Federal Mo...
by Tyler Aspect
Wed May 10, 2017 2:06 pm
Forum: Investing - Help with Personal Investments
Topic: Parking cash in Vanguard CDs. How easy is it?
Replies: 5
Views: 626

Re: Parking cash in Vanguard CDs. How easy is it?

The last time I did was to go to Vanguard's web site on Sunday and browse their CD offering list for CDs that are not callable and sells with an ask price below 100. I wrote down the best yield offers around the maturity date that I am interested. Then on Monday I would browse the offering list agai...
by Tyler Aspect
Wed May 10, 2017 1:07 am
Forum: Investing - Help with Personal Investments
Topic: Asset Allocation, TIPS? for imminent retirement
Replies: 8
Views: 834

Re: Asset Allocation, TIPS? for imminent retirement

Emergency Funds: Yes Debt: None Tax Status: Single Current Marginal Tax: 25-28% Fed, 4.9% state Age: 55 State: NM Asset Allocation: 60/40 (including all cash, emergency funds, etc) International Stocks: I haven't calculated it, but it's fairly low (maybe 10%) Funds available: approx $2.3mill ~$860k...
by Tyler Aspect
Tue May 09, 2017 11:44 pm
Forum: Investing - Help with Personal Investments
Topic: where to allocate new cash? input to balance my portfolio
Replies: 10
Views: 1094

Re: where to allocate new cash? should I hire financial advisor...

I have to invest approx 375K that was part of recent domestic stock sale. With this new money, I want to re-balance my portfolio. Here is my thinking and appreciate your help, esp with % of bonds and REITs. REIT's returns are similar to stocks, but REIT is more income heavy. My thought is that if y...
by Tyler Aspect
Tue May 09, 2017 8:08 pm
Forum: Investing - Help with Personal Investments
Topic: international stocks poised to outperform US ???
Replies: 80
Views: 5845

Re: international stocks poised to outperform US ???

barb63 wrote:My innvestment advisor has said the following to me

Vanguard's research shows that international stocks are poised to continue this trend of outperformance relative to U.S.

That statement raised a red flag to me. I doubt Vanguard research would release a statement such as that.
by Tyler Aspect
Tue May 09, 2017 8:01 pm
Forum: Investing - Help with Personal Investments
Topic: Portfolio Lending
Replies: 4
Views: 495

Re: Portfolio Lending

You can use a money market fund and a notebook to keep track of your saving goals. This avoids the chance of going into debt.

I have a personal line of credit with my credit union, but I keep it unused.
by Tyler Aspect
Tue May 09, 2017 7:02 pm
Forum: Investing - Help with Personal Investments
Topic: Thoughts on how to fix/improve portfolio
Replies: 10
Views: 472

Re: Thoughts on how to fix/improve portfolio

Would greatly appreciate input on the below. I am 41, single, have no debt, and do not plan to retire for a while but don’t know what my future income levels will be (have a bit of job/career uncertainty at the moment that is coloring my thinking). Composition Total $2.8 million portfolio in taxabl...
by Tyler Aspect
Tue May 09, 2017 6:27 pm
Forum: Investing - Help with Personal Investments
Topic: Moving to the 3 Fund Portfolio! Help with AA.
Replies: 10
Views: 1346

Re: Moving to the 3 Fund Portfolio! Help with AA.

Hello all, New member here and I’m kicking myself for not finding this site sooner! There has been a ton of amazing information and am planning on reallocating most of my current investments into the 3 Fund Portfolio as described by Taylor Larimore. I was hoping someone could help me with allocatin...
by Tyler Aspect
Tue May 09, 2017 5:39 pm
Forum: Investing - Help with Personal Investments
Topic: Is BIV ok for my bond holding? [Vanguard Intermediate-term Bond]
Replies: 8
Views: 609

Re: Is BIV ok for my bond holding?

I've been using BIV for my only bond holding. I did some research and decided intermediate bonds was what I wanted. I looked at Vanguard intermediate bond fund but settled on the ETF because I invest through Schwab and Schwab charges a trading fee for every trade at Vanguard. I sometimes buy multip...
by Tyler Aspect
Mon May 08, 2017 7:08 pm
Forum: Investing - Help with Personal Investments
Topic: New boglehead looking for investment planning
Replies: 3
Views: 522

Re: New boglehead looking for investment planning

Hi Bogleheads, I’m following the forum for about 3 months now and absolutely love it. I’ve got a new job that doubled my salary. So, I’m going to participate more and more actively. I want to have a review and get advice from senior Bogleheads. Thanks upfront! (I think your over-all plan looked qui...
by Tyler Aspect
Sat May 06, 2017 1:44 am
Forum: Investing - Help with Personal Investments
Topic: A few Questions from a young investor.
Replies: 19
Views: 1174

Re: A few Questions from a young investor.

To be direct: -I am new to investing and the Vanguard Roth IRA -I do not make a lot of money....I do not even see me reaching the $5500 limit this year or the next. -I have 30+ years to retirement. I recently posted a portfolio question asking about my asset allocation and further breakdown of stoc...
by Tyler Aspect
Thu May 04, 2017 11:08 pm
Forum: Investing - Help with Personal Investments
Topic: Priority of Retirement Accounts
Replies: 18
Views: 1580

Re: Priority of Retirement Accounts

With so many options available, I'm having a hard time figuring out in general what is consensus priority in putting money into all the different retirement accounts? Understand that many factors can influence this for each individual but I think my situation is fairly simple. I'm 35 years old, mar...
by Tyler Aspect
Thu May 04, 2017 10:48 pm
Forum: Investing - Help with Personal Investments
Topic: Tax Efficient Allocation
Replies: 8
Views: 823

Re: Tax Efficient Allocation

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
Thu May 04, 2017 10:34 pm
Forum: Investing - Help with Personal Investments
Topic: Help a beginner with Charles Schwab Roth IRA
Replies: 10
Views: 571

Re: Help a beginner with Charles Schwab Roth IRA

I agree with the SCHB recommendation. Just keep it simple with the Roth IRA for now. When the 403b is started you can fill out the rest of the portfolio gradually.
by Tyler Aspect
Thu May 04, 2017 4:59 pm
Forum: Investing - Theory, News & General
Topic: Any argument for NOT using total market/bond funds in taxable account?
Replies: 23
Views: 1539

Re: Any argument for NOT using total market/bond funds in taxable account?

I did hear an argument against total bond market that there are too high proportion of government bonds in the index. I think the effect would be a slight lowering of yield, but more stability during a recession. A one million dollar taxable account will probably select a municipal bond fund to hold...
by Tyler Aspect
Wed May 03, 2017 5:58 pm
Forum: Investing - Help with Personal Investments
Topic: Help with investing in my ROTH IRA
Replies: 7
Views: 625

Re: Help with investing in my ROTH IRA

Hello! I have been listening to a lot of Vanguard investing videos and would now like to implement the index-fund based investing concepts. Background: I am a late bloomer. I am 42 and would like to start investing. I know I am late to the game - have had ups and downs, but hoping that now life wil...
by Tyler Aspect
Wed May 03, 2017 12:43 pm
Forum: Investing - Theory, News & General
Topic: Buy more AMD [should I?]
Replies: 9
Views: 1144

Re: Buy more AMD [should I?]

We Bogleheads avoid individual stocks and mainly invest in a mix of stock index funds and bond index funds.

I personally have a negative outlook on AMD, having tracked the competitive story of INTC, NVDA, and AMD for a number of years.
by Tyler Aspect
Tue May 02, 2017 1:23 am
Forum: Investing - Theory, News & General
Topic: Buying CDs each month for decades
Replies: 13
Views: 2595

Re: Buying CDs each month for decades vs. Total Bond

CDs are rather like individual bonds. Normally you would not place them in a taxable account because of CD's tax inefficiency. I think a common problem is that CDs are not available in a typical 401k plan. You can buy CDs in a stand-alone traditional IRA account, but in this case sometimes you just ...
by Tyler Aspect
Mon May 01, 2017 7:07 pm
Forum: Investing - Help with Personal Investments
Topic: Personal Investments Question
Replies: 6
Views: 722

Re: Personal Investments Question

Hello, I'm fairly new to investing. My 401k over the years with my employers has always traditionally provided me with a strong safe return. Is there a way to mimic the funds chosen with an index fund or "retirement-like" investment vehicle that I can withdraw from or receive distribution...
by Tyler Aspect
Fri Apr 28, 2017 11:28 pm
Forum: Investing - Help with Personal Investments
Topic: Help with Investing for Elderly Parents
Replies: 14
Views: 1072

Re: Help with Investing for Elderly Parents

The amount they received is approx $700K. Their current monthly income is about $2000/month so their tax rate is relatively low. House is already paid off. I'd like them to get a stable income from the money they receive and enjoy it while they still can. I am thinking about putting 70% in VBMFX, 2...
by Tyler Aspect
Fri Apr 28, 2017 8:03 pm
Forum: Investing - Help with Personal Investments
Topic: Need Advice
Replies: 12
Views: 1023

Re: Need Advice

You know as you get older and some say wiser, I have a question for a person who has experience on this topic. I have 2 accounts with a financial advisor for a large company and I feel that my accounts just sits there and nothing happens to it. It has made very little funds for sitting for 5 years....
by Tyler Aspect
Fri Apr 28, 2017 7:04 pm
Forum: Investing - Help with Personal Investments
Topic: Just retired-Need help deciding what to do with funds from my 401K and Traditional IRA
Replies: 10
Views: 1156

Re: Just retired-Need help deciding what to do with funds from my 401K and Traditional IRA

Usually the right asset allocation for a retired person is between (60% stock / 40% bond) and (40% stock / 60% bond). I have presented below a typical asset allocation glide path chart, offering a range of possible allocations between aggressive, normal, and conservative. http://drive.google.com/uc?...
by Tyler Aspect
Fri Apr 28, 2017 6:27 pm
Forum: Investing - Theory, News & General
Topic: Earnings Per Share (EPS) Question (Coca-Cola)
Replies: 4
Views: 348

Re: Earnings Per Share (EPS) Question (Coca-Cola)

Hi everyone, I'm currently reading The Warren Buffett Stock Portfolio (by Mary Buffett and David Clark). I'm having trouble verify the EPS numbers provided in the book. Does anyone know how to arrive at the numbers below? Coca-Cola (KO) 2011 $3.85 2010 $3.49 2009 $2.93 2008 $3.02 2007 $2.57 2006 $2...
by Tyler Aspect
Fri Apr 28, 2017 6:03 pm
Forum: Investing - Help with Personal Investments
Topic: Ready to consolidate at Fidelity -- any gotchas about transfers?
Replies: 23
Views: 2069

Re: Ready to consolidate at Fidelity -- any gotchas about transfers?

I have Vanguard and Fidelity accounts. I deliberately did it that way so that no single entity knows my entire holdings.

I think Vanguard's mutual fund selections are better compared to Fidelity, but if you restrict to the standard indexes then Fidelity is just as good.
by Tyler Aspect
Fri Apr 28, 2017 1:34 pm
Forum: Investing - Help with Personal Investments
Topic: Questions about investing in my Roth 401 vs on my own
Replies: 13
Views: 466

Re: Questions about investing in my Roth 401 vs on my own

Hey everyone, relative noob here when it comes to investing. Had a few questions I hoped you might be able to answer. I am currently unhappy with my Roth 401k plan my employer offers. The only decent index fund I can invest in is the "Blackrock US Equity Market Index-F" which seems to tie...
by Tyler Aspect
Fri Apr 28, 2017 1:17 pm
Forum: Investing - Theory, News & General
Topic: Five year CD paying more than 10 yr. treasury
Replies: 30
Views: 4309

Re: Five year CD paying more than 10 yr. treasury

I noticed a few minutes ago that five year CD's at Schwab are paying 2.35 percent. The ten year treasury bond is quoted at yield of 2. 30 percent. Why would a five year CD pay more than a 10 year treasury? It cant be liquidity alone ( I don't think). Suppose you receive a check from FDIC for a fail...
by Tyler Aspect
Fri Apr 28, 2017 11:06 am
Forum: Investing - Help with Personal Investments
Topic: Just switched to Vanguard and TOTALLY overwhelmed
Replies: 18
Views: 2214

Re: Just switched to Vanguard and TOTALLY overwhelmed

Hi all, I just switched from Edward Jones to Vanguard and I THOUGHT I had read enough to feel confident, but now that everything has transferred I feel totally overwhelmed. I transferred a Roth IRA and a taxable brokerage account from Edward Jones. Roth IRA: $2956.91 Franklin Mutual Global Discover...
by Tyler Aspect
Fri Apr 28, 2017 1:24 am
Forum: Investing - Help with Personal Investments
Topic: Allocation help
Replies: 5
Views: 485

Re: Allocation help

The right location for international stock is in the taxable account or the Roth IRA account.
by Tyler Aspect
Fri Apr 28, 2017 12:43 am
Forum: Investing - Help with Personal Investments
Topic: Portfolio update - Now need to review taxable investments
Replies: 7
Views: 882

Re: Portfolio update - Now need to review taxable investments

Thanks Tyler, I was beginning to think that maybe I posted in wrong thread or I offended someone or something, when I didn't get any replies. What do you mean by indication of over-aggressive? I can definitely dial down the risk but where would you put the bonds? 100% US or split US/INT'l 50/50? I ...

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