Search found 357 matches

by Tyler Aspect
Sat Aug 19, 2017 3:39 pm
Forum: Investing - Help with Personal Investments
Topic: Newbie starting new job: Help choosing investments
Replies: 6
Views: 376

Re: Newbie starting new job: Help choosing investments

I agree that the ORP program's Fidelity index fund option is best. I looked at BlackRock's LifePath funds, and I think their LifePath Index Retirement Fund could be appropriate for you within the 457 plan. If you put in %5 in ORP, then another 5% 457 plan in BlackRock LifePath Index Retirement Fund,...
by Tyler Aspect
Sat Aug 19, 2017 1:08 pm
Forum: Investing - Help with Personal Investments
Topic: Has anybody used Gemini for investing in Ethereum?
Replies: 2
Views: 355

Re: Has anybody used Gemini for investing in Ethereum?

I do not engage in bit-coin type activities because bit-coins are often involved in grey financial transactions of possible illegal nature. I would not want my money used to facilitate such activities.
by Tyler Aspect
Sat Aug 19, 2017 12:38 pm
Forum: Investing - Help with Personal Investments
Topic: Timing of Converting Taxable Stock Fund to Bond Fund for Retirement
Replies: 7
Views: 454

Re: Timing of Converting Taxable Stock Fund to Bond Fund for Retirement

https://investor.vanguard.com/investing/taxes/medicare-surtax?lang=en I think your capital gains would continue to be taxed at 15% until your Modified Adjusted Gross Income reaches $250,000. Then you will have a 3.8% Medicare surtax. Asset allocation during retirement is usually between (60% stock ...
by Tyler Aspect
Sat Aug 19, 2017 12:06 pm
Forum: Investing - Help with Personal Investments
Topic: Need a high risk option for $250
Replies: 18
Views: 2141

Re: Need a high risk option for $250

Open an account at TDAmeritrade (there's no minimum). But 2 shares of VTI. I'm not very adventurous. But wait....now refer your wife. Have her open a Roth and put in the max for the year. You now get a $200 bonus. Buy another share of VTI. Do you have any kids of age? If yes, repeat the above. Look...
by Tyler Aspect
Sat Aug 19, 2017 11:37 am
Forum: Investing - Help with Personal Investments
Topic: where do I put the proceeds of my house sale?
Replies: 10
Views: 691

Re: where do I put the proceeds of my house sale?

Hello fellow bogleheads, This is my first post here. I'm a single 47 year old male, who recently sold a paid off house after owning it for 18 years. I've since downsized to a studio apartment to save money and live a simpler life. However, I'm now faced with a situation of having too much of cash p...
by Tyler Aspect
Fri Aug 18, 2017 10:49 pm
Forum: Investing - Help with Personal Investments
Topic: For IPS: transition TIAA Traditional to VBTIX - look at 30 year US treasury rate?
Replies: 15
Views: 712

Re: For IPS: transition TIAA Traditional to VBTIX - look at 30 year US treasury rate?

Won't the 10 year yield on VBTLX depend on (at least unexpected) interest rate changes in the next 10 years? I understand why this is NOT the case if I were to buy a single 10-year government bond and hold it to maturity. However, I'm not 100% sure that I really understand why VBTLX's yield won't c...
by Tyler Aspect
Fri Aug 18, 2017 6:28 pm
Forum: Investing - Help with Personal Investments
Topic: Help crossing the finish line - Drawdown portfolio
Replies: 10
Views: 1145

Re: Help crossing the finish line - Drawdown portfolio

One insight I realized is that the CD need not be in the taxable account to provide portfolio stabilization. CDs in the tax deferred account will work as well. 100k total stock in taxable sold to cash 100k CD maturing in tax deferred account used to purchase S&P 500 index (VOO) The effect is almost ...
by Tyler Aspect
Tue Aug 15, 2017 8:03 pm
Forum: Investing - Help with Personal Investments
Topic: For IPS: transition TIAA Traditional to VBTIX - look at 30 year US treasury rate?
Replies: 15
Views: 712

Re: For IPS: transition TIAA Traditional to VBTIX - look at 30 year US treasury rate?

However, if, in the future, I look and the 30 year US treasury rate is now greater than Traditional's yield (or guaranteed yield, not sure which one to use), I sell traditional and buy VBTLX. Does that sound reasonable? Thanks! No, not really. The comparison would have to use VBTLX's current yield,...
by Tyler Aspect
Tue Aug 15, 2017 7:24 pm
Forum: Investing - Help with Personal Investments
Topic: For IPS: transition TIAA Traditional to VBTIX - look at 30 year US treasury rate?
Replies: 15
Views: 712

Re: For IPS: transition TIAA Traditional to VBTIX - look at 30 year US treasury rate?

Bogle's writing suggested using the current yield as an estimate of forward looking 10 year average annualized return. That is not a bad idea for a diversified bond index, such as the Total Bond Market Index (VBTLX). Its current yield is 2.36%, which results in a worse estimate compared to your TIAA...
by Tyler Aspect
Fri Aug 11, 2017 1:06 pm
Forum: Investing - Help with Personal Investments
Topic: Stable Value Funds vs Bond Funds
Replies: 33
Views: 2010

Re: Stable Value Funds vs Bond Funds

You need to be aware of the single insurer risk with having significant asset in a stable value fund. It is not correct to say that you cannot make money if bond's interest rate goes up. You will earn higher rate on the underlying reinvested bond assets. Over time this will overcome the initial net ...
by Tyler Aspect
Wed Aug 09, 2017 5:30 pm
Forum: Investing - Help with Personal Investments
Topic: Near Retirement Portfolio Review
Replies: 9
Views: 1505

Re: Near Retirement Portfolio Review

I usually like to have my tax deferred account to hold total bond market (VBTLX or BND). For the taxable account I generally hold intermediate term bond index (BIV). Just a different index in case I need to sell for a loss.
by Tyler Aspect
Wed Aug 09, 2017 5:08 pm
Forum: Investing - Help with Personal Investments
Topic: total stock market in 401k, rothIRA and taxable- tlh/wash sale?
Replies: 3
Views: 267

Re: otal stock market in 401k, rothIRA and taxable- tlh/wash sale?

Typically the total stock market fund declares dividends at the end of March, June, September, and December. For each tax loss sale in the taxable you need to pick the mid-point day between dividends, and turn off contribution into the mirrored fund for 3 months, so that you don't have any purchases...
by Tyler Aspect
Wed Aug 09, 2017 12:21 pm
Forum: Investing - Help with Personal Investments
Topic: Unsure of my options with government TSP
Replies: 7
Views: 572

Re: Unsure of my options with government TSP

Welcome to Bogleheads. TSP "C" fund represents large US companies. TSP "F" fund represents fixed income investments. 75% stock / 25% bond allocation might work for you with your new investor status. Usually we should keep 6 months of living expenses in a high interest savings account or a money mark...
by Tyler Aspect
Tue Aug 08, 2017 5:46 pm
Forum: Investing - Help with Personal Investments
Topic: Is there a calculator to find hurdle rate for stock rotation after paying cap gains?
Replies: 5
Views: 466

Re: Is there a calculator to find hurdle rate for stock rotation after paying cap gains?

Just sharing some of my perspectives... Truly, plenty of money has been lost in the name of tax avoidance. I view the role of tax as a fee we pay for living in a modern society. I am aware of it, but I do not require my new investments to overcome this fee. If I were to sell an individual stock, I w...
by Tyler Aspect
Tue Aug 08, 2017 4:57 pm
Forum: Investing - Help with Personal Investments
Topic: Please Review my Portfolio - recommendations for selections and rebalancing?
Replies: 39
Views: 2292

Re: Please Review my Portfolio - recommendations for selections and rebalancing?

Is it possible the rep was talking about a "round trip" when tax loss harvesting? Have you sold something recently in that account and just bought those funds? A "round trip" flag is a warning Fidelity's web site gives for attempting to sell a Fidelity fund while holding it for less than 3 months. ...
by Tyler Aspect
Tue Aug 08, 2017 4:49 pm
Forum: Investing - Help with Personal Investments
Topic: Help! Newbie capital gains question on diversification strategy
Replies: 10
Views: 605

Re: Help! Newbie capital gains question on diversification strategy

I wonder if you donate to charities? If you do, then you should look at the possibility of creating a donor advised fund, and donate Apple stocks.
by Tyler Aspect
Tue Aug 08, 2017 4:40 pm
Forum: Investing - Help with Personal Investments
Topic: Help me understand GNMA fund vs CDs
Replies: 10
Views: 670

Re: Help me understand GNMA fund vs CDs

Just to clarify, OP is asking about GNMA fund, not GNMAs. GNMA fund does not itself mature. As owner of GNMA fund, you do not have to be concerned about GNMA loans being pre-paid ahead of schedule. US government does not guarantee the GNMA fund, just the underlying security, meaning you can easily ...
by Tyler Aspect
Tue Aug 08, 2017 4:23 pm
Forum: Investing - Help with Personal Investments
Topic: Portfolio Review
Replies: 13
Views: 1192

Re: Portfolio Review

Welcome to Bogleheads. You have significant student loans outstanding. It could make sense to half your 401k contribution rate to pre-pay your student loan. Consider dialing down your investment risk slightly to 80% stock / 20% bond, since you also have loan risks. Otherwise the individual investmen...
by Tyler Aspect
Tue Aug 08, 2017 4:02 pm
Forum: Investing - Help with Personal Investments
Topic: Help me understand GNMA fund vs CDs
Replies: 10
Views: 670

Re: Help me understand GNMA fund vs CDs

The vanguard GNMA fund currently has SEC-yield of 2.61% and average maturity of 7.2 years. A 7 year CD at vanguard yields 2.5%. In an IRA account at vanguard, for money I won't need for at least 7 years, which is the better investment? GNMA's principle guanantee is through the US government, while ...
by Tyler Aspect
Tue Aug 08, 2017 12:50 pm
Forum: Investing - Help with Personal Investments
Topic: Please Review my Portfolio - recommendations for selections and rebalancing?
Replies: 39
Views: 2292

Re: Please Review my Portfolio - recommendations for selections and rebalancing?

I called Fidelity to run the hypothetical changes and apparently selling the taxable funds creates a "roundtrip". Is that something I should be concerned about? Also, selling the Intl Index in the Rollover IRA puts me subject to a 1% liquidation fee which is roughly $40 because I haven't held the i...
by Tyler Aspect
Tue Aug 08, 2017 12:29 am
Forum: Investing - Help with Personal Investments
Topic: Please Review my Portfolio - recommendations for selections and rebalancing?
Replies: 39
Views: 2292

Re: Please Review my Portfolio - recommendations for selections and rebalancing?

Tyler, is the benefit of the iShares in the taxable account the lower ER? Admittedly, I hadn't considered ETFs likely out of ignorance. iShares Core S&P Total U.S. Stock Market ETF and Fidelity® Total Market Index Fund are very similar. ETFs are getting more popular everyday, so you might as well p...
by Tyler Aspect
Mon Aug 07, 2017 6:24 pm
Forum: Investing - Help with Personal Investments
Topic: Please Review my Portfolio - recommendations for selections and rebalancing?
Replies: 39
Views: 2292

Re: Please Review my Portfolio - recommendations for selections and rebalancing?

Thanks Tyler. I like the suggestions and think they would put me in a better position. This may be a dumb question but do you suggest swapping out my current funds regardless of how long they have been held? For example, the Rollover IRA has only been invested for a couple of weeks. My assumption i...
by Tyler Aspect
Mon Aug 07, 2017 2:38 pm
Forum: Investing - Help with Personal Investments
Topic: Help with new trust investment
Replies: 6
Views: 556

Re: Help with new trust investment

just curious, why mutual funds recommendations over ETFS? For Vanguard mutual fund offerings that have ETF equivalents the capital gains reduction potential is the same as ETF class. Mutual fund shares usually receive their dividends a few days early. However, in a few instances the ETF class has l...
by Tyler Aspect
Mon Aug 07, 2017 2:32 pm
Forum: Investing - Help with Personal Investments
Topic: Please Review my Portfolio - recommendations for selections and rebalancing?
Replies: 39
Views: 2292

Re: Please Review my Portfolio - recommendations for selections and rebalancing?

Hello, I am 30, married, and make roughly 200k annually and currently hold the below portfolio. My wife and I fall in the 28% tax bracket. I have recently upped my 401k contribution so I can annually max my current employer's 401k and plan to do so moving forward. I also plan to contribute heavily ...
by Tyler Aspect
Mon Aug 07, 2017 12:16 pm
Forum: Personal Consumer Issues
Topic: How long do you keep your kitchen sponge?
Replies: 55
Views: 5441

Re: How long do you keep your kitchen sponge?

We have pretty much stopped using kitchen sponges. Kitchen brushes last longer and work just as well.
by Tyler Aspect
Mon Aug 07, 2017 12:35 am
Forum: Investing - Help with Personal Investments
Topic: Portfolio tweaks
Replies: 6
Views: 815

Re: Portfolio tweaks

The impression that interest rate might go up is no obstacle for buying the total bond market (BND, AGG, or VBTLX). Even if the rate goes up then you just hold the bond fund tight for six years (its duration period), then you are made whole. This is easy to do, since normally you would be holding th...
by Tyler Aspect
Mon Aug 07, 2017 12:09 am
Forum: Investing - Help with Personal Investments
Topic: Please Review my Portfolio - recommendations for selections and rebalancing?
Replies: 39
Views: 2292

Re: Please Review my Portfolio - recommendations for selections and rebalancing?

One potential problem is that the S&P 500 index in the taxable account is an exact duplicate of holdings in the tax deferred accounts. This can set up a wash sale situation if you need sell for a loss in the future. It is best to use different indexes so you do not have exact duplicates between taxa...
by Tyler Aspect
Sun Aug 06, 2017 11:48 pm
Forum: Investing - Help with Personal Investments
Topic: A plan that might work for two goals?
Replies: 11
Views: 1242

Re: A plan that might work for two goals?

An interesting set-up for an all taxable portfolio is the combination of Balanced Index with LifeStrategy Conservative Growth. This is easy to manage because all one needs to do is to keep the two funds' value roughly equal. You end up with 50% stock / 50% bond.
by Tyler Aspect
Sun Aug 06, 2017 7:57 pm
Forum: Investing - Help with Personal Investments
Topic: Help with 401K selections, please
Replies: 4
Views: 451

Re: Help with 401K selections, please

The quoted bond fund appeared to be an investment grade intermediate term bond fund. It is a good 401k option for bond investment.
by Tyler Aspect
Sun Aug 06, 2017 1:52 pm
Forum: Investing - Help with Personal Investments
Topic: Help with new trust investment
Replies: 6
Views: 556

Re: Help with new trust investment

60% total bond market (VBTLX)
8% inflation protected securities (VAIPX)
16% total stock market (VTSAX)
16% total world stock ETF (VT)
by Tyler Aspect
Sun Aug 06, 2017 10:34 am
Forum: Investing - Theory, News & General
Topic: Should TBM Be Your Only Bond Fund?
Replies: 33
Views: 4911

Re: Should TBM Be Your Only Bond Fund?

If you like high yield bonds, then get a small portion of high yields in addition to a big portion of TBM. Because currently the economy is doing very well, the risk of defaults are muted. The situation may change in a few years.
by Tyler Aspect
Sun Aug 06, 2017 10:15 am
Forum: Investing - Help with Personal Investments
Topic: Bond Funds that don't distribute monthly
Replies: 10
Views: 866

Re: Bond Funds that don't distribute monthly

Target Retirement Income distributes dividends quarterly.
by Tyler Aspect
Sat Aug 05, 2017 10:53 pm
Forum: Investing - Help with Personal Investments
Topic: Guidance on Asset Allocation Exclusions:
Replies: 1
Views: 263

Re: Guidance on Asset Allocation Exclusions:

There are two items that I would include. Others might have different opinions.

Pension value: lump sum value times vested percentage = amount you have in bond

Inheritance: include

I personally think bond percentage = age -10 is somewhat aggressive.
by Tyler Aspect
Sat Aug 05, 2017 4:02 pm
Forum: Investing - Help with Personal Investments
Topic: Use nondecutible IRA/401k contributions or regular taxable investment?
Replies: 4
Views: 235

Re: Use nondecutible IRA/401k contributions or regular taxable investment?

There's one additional way to minimize taxes in the taxable account. You can put growth index (low dividend) in the taxable account, and put value index (high dividend) in the tax deferred account. This should make it even more favorable in the taxable's favor.
by Tyler Aspect
Sat Aug 05, 2017 12:57 pm
Forum: Investing - Help with Personal Investments
Topic: When to sell Vanguard Target Retirement 2055 Fund Shares?
Replies: 15
Views: 1504

Re: When to sell Vanguard Target Retirement 2055 Fund Shares?

When to sell Vanguard Target Retirement 2055 Fund Shares? 25y/o. I have about 25k invested in my Roth IRA with Vanguard (VFFVX Vanguard Target Retirement 2055 Fund Investor Shares). I have about 5k in cumulative returns (is this good)? Is it a good idea to sell when high and when the market just st...
by Tyler Aspect
Sat Aug 05, 2017 12:42 pm
Forum: Investing - Help with Personal Investments
Topic: How am I doing so far? (sanity check)
Replies: 8
Views: 1407

Re: How am I doing so far? (sanity check)

Yes, that's basically accurate, other than a little under ~1k in an old sharebuilder account. What would be the advantage in putting more funds in taxable, and how much would you suggest? A taxable account can be an extension of your emergency cash. Tax Managed Capital Appreciation is suitable for ...
by Tyler Aspect
Sat Aug 05, 2017 12:31 pm
Forum: Personal Finance (Not Investing)
Topic: Quicken's future direction - a cause for concern
Replies: 333
Views: 36878

Re: Quicken's future direction - a cause for concern

I don't want to bash Quicken just because I wrote a piece of software to replace it, but the business model of Quicken requires you to buy the same software over and over again. I won't get into the security issues of typing banking credentials into Quicken. Which software are you referring to? I w...
by Tyler Aspect
Fri Aug 04, 2017 11:14 pm
Forum: Personal Finance (Not Investing)
Topic: Quicken's future direction - a cause for concern
Replies: 333
Views: 36878

Re: Quicken's future direction - a cause for concern

I don't want to bash Quicken just because I wrote a piece of software to replace it, but the business model of Quicken requires you to buy the same software over and over again.

I won't get into the security issues of typing banking credentials into Quicken.
by Tyler Aspect
Fri Aug 04, 2017 8:18 pm
Forum: Investing - Theory, News & General
Topic: Time Horizon Impact on Bond Selection
Replies: 10
Views: 866

Re: Time Horizon Impact on Bond Selection

The purpose of bond is to provide stability. The total bond market or the intermediate term bond serve that purpose very well. The total bond market is a combination of long, intermediate, and short term bonds. That is the most diversified combination. A long term investor could potentially tolerate...
by Tyler Aspect
Fri Aug 04, 2017 12:24 pm
Forum: Investing - Theory, News & General
Topic: Retirement Income Certified Professional
Replies: 3
Views: 521

Re: Retirement Income Certified Professional

Here is one article of an advisor's impression.

http://www.thinkadvisor.com/2015/01/08/ ... impression

The study material is around 30 hours, with a passing grade requirement of 70%. Probably not heavy duty...
by Tyler Aspect
Fri Aug 04, 2017 10:52 am
Forum: Investing - Help with Personal Investments
Topic: multi-location restaurant owner needs advice
Replies: 9
Views: 762

Re: multi-location restaurant owner needs advice

I am 46 years old. I am the majority owner of several stable / proven restaurants with very little debt to them. The restaurants pay me about $200k / year. I oversee the business but with extremely little effort; our systems are strong and I have another well-paid (150k+) individual who runs our op...
by Tyler Aspect
Fri Aug 04, 2017 10:40 am
Forum: Investing - Help with Personal Investments
Topic: Public Employee 403b Options
Replies: 2
Views: 181

Re: Public Employee 403b Options

https://financeforteachers.com/how-to-c ... 3b-vendor/

Unfortunately it seemed your choices are all in the "bad" list. That is: they are all bad.
by Tyler Aspect
Fri Aug 04, 2017 10:32 am
Forum: Investing - Help with Personal Investments
Topic: Greenspan says Bond 'bubble' about to burst
Replies: 12
Views: 864

Re: Greenspan says Bond 'bubble' about to burst

Greenspan was not able to forecast the 2008 mortgage crisis. I believe the effect of globalization has put a check on the American labor cost. Witness the fact that the Feds had trouble to get the inflation above 2%. These articles are always trying to push you to make a change, then the brokerage h...
by Tyler Aspect
Fri Aug 04, 2017 10:16 am
Forum: Investing - Help with Personal Investments
Topic: LifePath® Index 2030 Fund O
Replies: 5
Views: 364

Re: LifePath® Index 2030 Fund O

For product description I think you have to refer to the official data sheet, instead of third party description. The official product data sheet did not contain any cash that I can see. I am thinking there's some derivative based index tracking that is tripping up MorningStar into assigning 8% cash...
by Tyler Aspect
Thu Aug 03, 2017 7:56 pm
Forum: Investing - Help with Personal Investments
Topic: Newbie-moving 401K(Principal) and IRA's (EJ) to Vanguard
Replies: 1
Views: 143

Re: Newbie-moving 401K(Principal) and IRA's (EJ) to Vanguard

Welcome to Bogleheads. Please use the standard portfolio question format so that we can better help answer your question. https://www.bogleheads.org/forum/viewtopic.php?f=1&t=6212 https://www.bogleheads.org/wiki/Getting_started The direction of the market is unpredictable. The best approach is to in...
by Tyler Aspect
Thu Aug 03, 2017 1:53 pm
Forum: Investing - Help with Personal Investments
Topic: Best Vanguard account
Replies: 52
Views: 3754

Re: Best Vanguard account

Hi, I think you said that you have 10k to invest, and our recommended Tax Managed Balanced has a 10k minimum. How it can be combined with other funds will require us to know your tax deferred fund names, fund asset percentage of total portfolio for each fund, and the available investment options of ...
by Tyler Aspect
Thu Aug 03, 2017 12:01 pm
Forum: Investing - Help with Personal Investments
Topic: Which 3 funds at Fidelity ?
Replies: 4
Views: 650

Re: Which 3 funds at Fidelity ?

There are two things that I saw. There could be wash sale potentials if you have substantial identical positions in taxable versus tax deferred account, say ITOT in tax deferred and VTI in taxable. To break them up you could pair up S&P 500 index with total stock market. Same thing for international...
by Tyler Aspect
Thu Aug 03, 2017 11:11 am
Forum: Investing - Help with Personal Investments
Topic: Asset Allocation and ETF/Fund options for Recent Retiree
Replies: 15
Views: 864

Re: Asset Allocation and ETF/Fund options for Recent Retiree

Congratulations on your retirement.

The Schwab advisor's recommendation is unlikely to make sense. Now that you have stopped working, your tax bracket might drop this year, with another drop by next year. There is no guarantee that municipal bonds will make sense with lower tax bracket.
by Tyler Aspect
Wed Aug 02, 2017 5:38 pm
Forum: Investing - Help with Personal Investments
Topic: Money parked in FTEXX (Fido Municipal Money Market)
Replies: 8
Views: 484

Re: Money parked in FTEXX (Fido Municipal Money Market)

I read some of your previous postings. I hope your portfolio restructuring is going well. There is some merit to have a third year of retirement cash reserve in the form of a 3 year brokered CD. The rest of the money can be directed to ITOT. Shouldn't the third year of cash be in a 2 year CD? Yes, ...