Search found 37 matches

by Vision6800
Mon Mar 20, 2017 11:08 am
Forum: Investing - Help with Personal Investments
Topic: Assess tax drag and performance?
Replies: 1
Views: 172

Assess tax drag and performance?

I'm in need of clarity. Am thinking of going with an actively managed fund (in a taxable account) with high turnover but don't understand the tax implications. Annually I'll be responsible for taxes on the distributions from the fund, and I'll pay taxes when I sell the fund. If the fund generates x ...
by Vision6800
Sun Mar 19, 2017 8:20 pm
Forum: Investing - Help with Personal Investments
Topic: How to Save a Chart?
Replies: 9
Views: 840

Re: How to Save a Chart?

FYI - for any web page that doesn't have a "share this link" sort of thing you simply copy the entire web address in your browser. For instance this is a link i created for the weather in Las Vegas using that technique. m FYI, if you only copy the url from the chart page it won't remember...
by Vision6800
Sun Mar 19, 2017 10:24 am
Forum: Investing - Help with Personal Investments
Topic: How to Save a Chart?
Replies: 9
Views: 840

Re: How to Save a Chart?

Thank you Silk, exactly what I was looking for. I missed the share this chart link.
by Vision6800
Sun Mar 19, 2017 9:50 am
Forum: Investing - Help with Personal Investments
Topic: How to Save a Chart?
Replies: 9
Views: 840

Re: How to Save a Chart?

Thanks, but I'm looking to save a live chart.
by Vision6800
Sun Mar 19, 2017 9:26 am
Forum: Investing - Help with Personal Investments
Topic: How to Save a Chart?
Replies: 9
Views: 840

How to Save a Chart?

I simply want to save a chart of a few funds for easy reference. Does Morningstar allow this? Can't find a way to do it there or anywhere like google finance.
by Vision6800
Sat Mar 18, 2017 2:47 pm
Forum: Investing - Help with Personal Investments
Topic: Questions on Capital Gains & Dividends
Replies: 12
Views: 803

Re: Questions on Capital Gains & Dividends

Also, the sale of a fund is only a taxable event if the fund is held in a taxable account. If it is sold in an account like an IRA it is a non-event. Edit -- none of the events you describe are taxable events for funds held in tax-deferred accounts. Right. If in a Roth none of the taxable events ap...
by Vision6800
Sat Mar 18, 2017 2:44 pm
Forum: Investing - Help with Personal Investments
Topic: Questions on Capital Gains & Dividends
Replies: 12
Views: 803

Re: Questions on Capital Gains & Dividends

Thanks all, I think this is it. A mutual fund generates return in three ways: Capital Gains Dividends Unrealized Capital Gains (by Appreciation) Capital gains and dividends are received while you own the security. If the fund's turnover generates return the investor can receive payments on these gai...
by Vision6800
Sat Mar 18, 2017 11:15 am
Forum: Investing - Help with Personal Investments
Topic: Questions on Capital Gains & Dividends
Replies: 12
Views: 803

Questions on Capital Gains & Dividends

Do I have this right? A mutual fund generates profit in three ways: Capital Gains Dividends Appreciation Capital gains and dividends are received while you own the security. If the fund's turnover generates profit the investor can receive payments on these gains, called capital gains. If the stocks ...
by Vision6800
Wed Mar 15, 2017 7:21 pm
Forum: Investing - Help with Personal Investments
Topic: Total Stock Market vs S&P 500 and Small-Cap Funds?
Replies: 12
Views: 3493

Re: Total Stock Market vs S&P 500 and Small-Cap Funds?

I would put all the money in vtsax, forget it, and go chase girls. They're almost identical.
by Vision6800
Sun Feb 26, 2017 1:12 pm
Forum: Investing - Help with Personal Investments
Topic: Portfolio Backtesting
Replies: 2
Views: 269

Re: Portfolio Backtesting

The Tools and Calculators wiki has a section on backtesting. It only has three entries, but one is the Simba backtesting spreadsheet which is quite a treasure. When you refer to accuracy problems with Portfolio Visualizer, are you talking about accuracy of the data that the Visualizer uses to drive...
by Vision6800
Sun Feb 26, 2017 12:26 pm
Forum: Investing - Help with Personal Investments
Topic: Portfolio Backtesting
Replies: 2
Views: 269

Portfolio Backtesting

I'm using and am thankful for Portfolio Visualizer but find it can have accuracy issues. Are there any others that are free or have a reasonable fee? Thanks.
by Vision6800
Sun Feb 26, 2017 9:10 am
Forum: Investing - Help with Personal Investments
Topic: Bogleheads' Philosophy a Generalization?
Replies: 55
Views: 3762

Re: Bogleheads' Philosophy a Generalization?

Thanks.

So why is this wrong? Invest in XYZ fund which has a historical record of outperforming the market, say it outperforms the market for another 3 years and then loses the magic (the loss could take a week, a month, months), then sell it and at worst put it the funds into an index fund?
by Vision6800
Sun Feb 26, 2017 7:55 am
Forum: Investing - Help with Personal Investments
Topic: Bogleheads' Philosophy a Generalization?
Replies: 55
Views: 3762

Re: Bogleheads' Philosophy a Generalization?

Maybe I'm missing something. As I look at the historical returns of various funds, they seem to gain or lose value slowly compared to stocks which can dramatically change in a moment. Am I wrong about this?
by Vision6800
Sat Feb 25, 2017 5:58 pm
Forum: Investing - Help with Personal Investments
Topic: Bogleheads' Philosophy a Generalization?
Replies: 55
Views: 3762

Re: Bogleheads' Philosophy a Generalization?

Sure you are - you think you can pick the mutual funds that will perform better than the overall market (we could add for the risk you are taking on if that is necessary). I would suggest that looking back it is obvious which the best performing funds were - but looking forward it is no different t...
by Vision6800
Sat Feb 25, 2017 5:37 pm
Forum: Investing - Help with Personal Investments
Topic: Bogleheads' Philosophy a Generalization?
Replies: 55
Views: 3762

Re: Bogleheads' Philosophy a Generalization?

You recognize you can't pick the individual stocks that will perform better but think you have a unique ability to spot the '2%' of fund managers that will outperform? And all those people who make a living hiring those managers, and all those advisors and magazaines that guide people to fund choic...
by Vision6800
Sat Feb 25, 2017 11:33 am
Forum: Investing - Help with Personal Investments
Topic: Bogleheads' Philosophy a Generalization?
Replies: 55
Views: 3762

Re: Bogleheads' Philosophy a Generalization?

Good question and simple answer. The most successful funds over an x period of time tend to underperform over the next y years. The big reason is as the fund gets succesful they attract significant new money that is difficult to deploy in accordancde with their prespectus. That is why one should lo...
by Vision6800
Sat Feb 25, 2017 8:35 am
Forum: Investing - Help with Personal Investments
Topic: Bogleheads' Philosophy a Generalization?
Replies: 55
Views: 3762

Re: Bogleheads' Philosophy a Generalization?

That's great information, thanks. The only thing I'd push back on is while "Past performance is not an indicator of future returns" you can find finds that have been beating or matching indexes for lengthy historical periods. It seems if you're willing to review progress annually or such y...
by Vision6800
Sat Feb 25, 2017 7:58 am
Forum: Investing - Help with Personal Investments
Topic: Bogleheads' Philosophy a Generalization?
Replies: 55
Views: 3762

Bogleheads' Philosophy a Generalization?

Do I have this correct, the Bogleheads' strategy is to invest in low cost index funds because they perform as well as or outperform 98% (or some near perfect number) of all mutual funds? If so, what about the other 2%? Apparently it's not hard to find funds that have been outperforming indexes and s...
by Vision6800
Mon Feb 20, 2017 8:24 am
Forum: Investing - Help with Personal Investments
Topic: Good strategy? [Roth IRA fund selection]
Replies: 21
Views: 1268

Re: Good strategy?

VTSAX is a great fund to have in a Roth IRA and/or in a taxable brokerage account. I see it as no big deal to sell all the holdings in the first post of this thread and buying VTSAX in both those accounts with the money. There may [will] be taxes to be paid by selling the existing holdings in the t...
by Vision6800
Sun Feb 19, 2017 11:23 am
Forum: Investing - Help with Personal Investments
Topic: Good strategy? [Roth IRA fund selection]
Replies: 21
Views: 1268

Re: Good strategy?

Maximum return is buying Apple right before Steve Jobs came back - it is buying Microsoft before it cut a deal with IBM I do not think I am smart enough to do that and do not want to take the loses of missing out on the next thing. I therefore buy diversified index funds. You can tweak the argument...
by Vision6800
Sun Feb 19, 2017 11:15 am
Forum: Investing - Help with Personal Investments
Topic: Good strategy? [Roth IRA fund selection]
Replies: 21
Views: 1268

Re: Good strategy?

happyisland wrote:
This is not as straightforward a statement as you might think. You need to ponder your own willingness and ability to take risk, for example.


I have and thought this was communicated through the funds I've posted, which skew towards risk.
by Vision6800
Sun Feb 19, 2017 10:59 am
Forum: Investing - Help with Personal Investments
Topic: Good strategy? [Roth IRA fund selection]
Replies: 21
Views: 1268

Re: Good strategy?

The word best is a loaded question. Best return will only be known in retrospect. Safest is TIPS but then no return. I think people are wondering what your goals are and what you are trying to do. You might need more contextual background reading to help formulate your question IMO Have fun reading...
by Vision6800
Sun Feb 19, 2017 10:32 am
Forum: Investing - Help with Personal Investments
Topic: Good strategy? [Roth IRA fund selection]
Replies: 21
Views: 1268

Re: Good strategy?



Great link, it's not enough to invest my savings on. For instance, I hope to find opinions on whether vtsax is best, or maybe vtclx, or maybe something else.
by Vision6800
Sun Feb 19, 2017 10:20 am
Forum: Investing - Help with Personal Investments
Topic: Good strategy? [Roth IRA fund selection]
Replies: 21
Views: 1268

Re: Good strategy?

goingup wrote:The point may be that you have no strategy. Consider these portfolios: https://www.bogleheads.org/wiki/Lazy_portfolios


Thanks. I am trying to develop a strategy that link isn't what I'm looking for.
by Vision6800
Sun Feb 19, 2017 10:18 am
Forum: Investing - Help with Personal Investments
Topic: Good strategy? [Roth IRA fund selection]
Replies: 21
Views: 1268

Re: Good strategy?

The questions you posed are (very) frequently discussed around here. There is great information in the wiki, for example, about things like owning individual stocks, tax efficiency in investing, asset allocation, etc, etc. Oh thanks, can you provide a wiki link to whether vtsax is a good move in a ...
by Vision6800
Sun Feb 19, 2017 10:05 am
Forum: Investing - Help with Personal Investments
Topic: Good strategy? [Roth IRA fund selection]
Replies: 21
Views: 1268

Re: Good strategy?

I've glanced through it, am reading the latest boglehead book. Do you have a point to make other than the obvious? A wiki doesn't help with my quesions as far as I know.
by Vision6800
Sun Feb 19, 2017 9:56 am
Forum: Investing - Help with Personal Investments
Topic: Good strategy? [Roth IRA fund selection]
Replies: 21
Views: 1268

Good strategy? [Roth IRA fund selection]

Two questions. 1. I have a roth with the following. ISHARES CORE S&P U.S. GROWTH ETF (IUSG) ISHARES MSCI EMERGING MARKETS ETF (EEM) ISHARES RUSSELL MID-CAP GROWTH ETF (IWP) ISHARES RUSSELL 1000 GROWTH ETF (IWF) ISHARES RUSSELL 1000 VALUE ETF (IWD) ISHARES RUSSELL 2000 GROWTH ETF (IWO) SPDR S&...
by Vision6800
Fri Feb 17, 2017 8:42 am
Forum: Investing - Help with Personal Investments
Topic: Morningstar Ratings?
Replies: 7
Views: 620

Morningstar Ratings?

Are these a good guide? I'll start to like a fund and find out it has an average rating, and I can't explain why.
by Vision6800
Thu Feb 16, 2017 9:49 pm
Forum: Investing - Help with Personal Investments
Topic: Need A Consultation
Replies: 1
Views: 268

Need A Consultation

I need a financial advisor for a for fee consultation. I'm in Maryland. Any suggestions on going about it? It's not as clear as expected.
by Vision6800
Wed Feb 15, 2017 9:24 pm
Forum: Investing - Help with Personal Investments
Topic: Large, Medium, Small Cap Index Funds
Replies: 12
Views: 1014

Re: Large, Medium, Small Cap Index Funds

If you use Google Finance, at least realize that you're just looking at price charts and you're not getting total returns including dividends, like you could elsewhere. What do you suggest then? Returns are far too random; in 10 years you're capturing a lot of noise. Just about anything can happen ...
by Vision6800
Wed Feb 15, 2017 9:12 pm
Forum: Investing - Help with Personal Investments
Topic: Large, Medium, Small Cap Index Funds
Replies: 12
Views: 1014

Re: Large, Medium, Small Cap Index Funds

lack_ey wrote:I've been puzzling over this myself. Compare the yields of VB vs VTI over the past 10 years on google finance.
Don't look at 10-year returns. Come on.

With all the usual caveats:
https://www.ifa.com/pdf/matrix_book_us_2016.pdf
http://mba.tuck.dartmouth.edu/pages/fac ... brary.html



What's wrong with 10 year returns? Sorry, your links are making me think of ibuprofen.
by Vision6800
Wed Feb 15, 2017 9:09 pm
Forum: Investing - Help with Personal Investments
Topic: Large, Medium, Small Cap Index Funds
Replies: 12
Views: 1014

Re: Large, Medium, Small Cap Index Funds

danny0902 wrote:I've been puzzling over this myself. Compare the yields of VB vs VTI over the past 10 years on google finance.


I see your point. And thanks for the heads up on google finance.
by Vision6800
Wed Feb 15, 2017 8:54 pm
Forum: Investing - Help with Personal Investments
Topic: Large, Medium, Small Cap Index Funds
Replies: 12
Views: 1014

Re: Large, Medium, Small Cap Index Funds

lack_ey wrote:Do you think you can time the markets themselves overall?


No. I'm a new investor and am trying to decide where to place funds. Do you see VSGAX as high risk? It's only lost money one year.
by Vision6800
Wed Feb 15, 2017 8:31 pm
Forum: Investing - Help with Personal Investments
Topic: Why own individual stocks?
Replies: 88
Views: 8094

Why own individual stocks?

I'm looking at individual stocks that were purchased through the years, some date back to 1981. I'm stunned at the lack of growth and what could have been accomplished with an index fund. So, what are the benefits to owning stocks?
by Vision6800
Wed Feb 15, 2017 8:18 pm
Forum: Investing - Help with Personal Investments
Topic: Large, Medium, Small Cap Index Funds
Replies: 12
Views: 1014

Large, Medium, Small Cap Index Funds

What's the best way to think of large, medium, and small cap index funds? Is it as simple as large offers less risk and less gain than medium and small? Are there any market conditions to be aware of when determining where to place funds?
by Vision6800
Sun Feb 12, 2017 5:20 pm
Forum: Investing - Help with Personal Investments
Topic: Evaluating Holdings?
Replies: 3
Views: 292

Re: Evaluating Holdings?

Thanks much. The xray is interesting...I have more foreign stocks than domestic. Here's the roth (fund #shares): ISHARES CORE S&P U.S. GROWTH ETF (IUSG) ISHARES MSCI EMERGING MARKETS ETF (EEM) ISHARES RUSSELL MID-CAP GROWTH ETF (IWP) ISHARES RUSSELL 1000 GROWTH ETF (IWF) ISHARES RUSSELL 1000 VAL...
by Vision6800
Thu Feb 09, 2017 8:16 pm
Forum: Investing - Help with Personal Investments
Topic: Evaluating Holdings?
Replies: 3
Views: 292

Evaluating Holdings?

I know very little about investing but have a brokerage account and roth IRA with UBS. I'm reading what I can and most material suggests Vanguard index funds. My questions are, what is the best way to evaluate my fund and stock holdings to compare their performance to leading Vanguard funds? Also, w...