Search found 37 matches

by WallStreetPhysician
Fri Mar 24, 2017 3:57 pm
Forum: Investing - Help with Personal Investments
Topic: Thinking about adding a 5% position to commodities
Replies: 21
Views: 1376

Re: Thinking about adding a 5% position to commodities

I was thinking about adding a 5% position to commodities through ETF. Was looking at DJP or even better DJCI (lower expense ratio). Its been dead money and pays no dividend but could be a good non correlated to equity's holding if the market goes down. Thoughts on this? Your stated facts are correc...
by WallStreetPhysician
Fri Mar 24, 2017 2:51 pm
Forum: Investing - Help with Personal Investments
Topic: Jumping back in the market
Replies: 18
Views: 2405

Re: Jumping back in the market

New member here from PA. So I took most of my invests out of the market a few years back to get in the real estate game. Now that I have a few properties I would like to get back in the market. We haven't had a bear market in a while and most all stocks, S&P, and other investments are way up. Q...
by WallStreetPhysician
Fri Mar 24, 2017 2:50 pm
Forum: Investing - Help with Personal Investments
Topic: dollar cost averaging
Replies: 11
Views: 912

Re: dollar cost averaging

It sure is tough emotionally buying VTI at this time and price and hearing how bad things are and are going to get. It`s everywhere you go not only on tv ,radio, magazines, internet but from the general public in every day speaking to each other. There`s not much optimism out there with bombs explo...
by WallStreetPhysician
Thu Mar 23, 2017 4:05 pm
Forum: Personal Consumer Issues
Topic: Wimbledon 2017 - Experiences?
Replies: 10
Views: 742

Re: Wimbledon 2017 - Experiences?

July 4, 2017 lies on a weekday and as a result, US company shutdown for the week. This also the week Wimbledon starts. A fan of tennis, but I've never been to a major tennis match. Looking to see if this is a good opportunity, especially to catch the Williams and Fedal before they retire. However, ...
by WallStreetPhysician
Thu Mar 23, 2017 4:00 pm
Forum: Investing - Help with Personal Investments
Topic: Why did my fund GO UP so much?
Replies: 33
Views: 2616

Re: Why did my fund GO UP so much?

livesoft wrote:I thought some of you would enjoy this fund quote:

Image

Full disclosure: I own this fund and now apparently zillions of dollars worth of it. And now I can afford a $1,124,176 car. :)


LOL, you should start a hedge fund and charge 2 and 20!

-WSP
by WallStreetPhysician
Thu Mar 23, 2017 3:58 pm
Forum: Investing - Help with Personal Investments
Topic: Low ER for 2040 fund
Replies: 3
Views: 224

Re: Low ER for 2040 fund

My wife's Fidelity run 401K from the company she left a few years ago has a Fidelity Freedom 2040 fund with only a 0.02% fee. My own 401K run by Fidelity charges 0.29% for this same fund. Am I missing something or is this a good simple, single place to keep her monies without having to choose two o...
by WallStreetPhysician
Thu Mar 23, 2017 3:51 pm
Forum: Investing - Help with Personal Investments
Topic: Total Stock Market Admiral in both taxable and IRA?
Replies: 22
Views: 1617

Re: Total Stock Market Admiral in both taxable and IRA?

Sold my American Funds, considering total market in my Roth ... already own Total Market in my taxable (probably my only holding in that account) Is owning the same fund in 2 accounts a no no? Should I tilt towards large cap with the s and p index in my Roth? Basically dollar cost average into the ...
by WallStreetPhysician
Thu Mar 23, 2017 11:23 am
Forum: Investing - Theory, News & General
Topic: Trying to Time the Market
Replies: 8
Views: 1273

Re: Trying to Time the Market

james22 wrote:The investor is no likelier to be a perfectly bad timer than he is to be a perfectly good timer.


+1
by WallStreetPhysician
Thu Mar 23, 2017 11:17 am
Forum: Investing - Help with Personal Investments
Topic: International Allocation
Replies: 16
Views: 544

Re: International Allocation

Folks With the US market at such a relative high from a p/e standpoint...are you starting to weight International somewhat higher? Speaking with Vanguard this week, seems like that's a current guideline for their recommendations. For me the recommended allocations were: overall: 66% stock, 34% bond...
by WallStreetPhysician
Thu Mar 23, 2017 11:16 am
Forum: Investing - Help with Personal Investments
Topic: Advice investing in index funds
Replies: 9
Views: 793

Re: Advice investing in index funds

Hello all. I have budgeted $700 to invest with. Already put $200 in Roth IRA. With the $700 it is advised to keep putting it in vtsmx? In terms of risk, I would say I have trouble knowing how to properly rebalance my portfolio. I'm 26, my Ira is set to aggressive. Would it be recommended to put $10...
by WallStreetPhysician
Thu Mar 23, 2017 11:12 am
Forum: Personal Consumer Issues
Topic: What is your preferred Weather App?
Replies: 55
Views: 3192

Re: What is your preferred Weather App?

Iphone here. What app do you prefer? I've used "Weather Channel" for a while but would like to try something different. I just use the default Apple Weather app. I never really thought to use a 3rd party weather app (it's the weather...) but I'll check some of these out. -WallStreetPhysic...
by WallStreetPhysician
Wed Mar 22, 2017 8:04 pm
Forum: Personal Finance (Not Investing)
Topic: Taxes on sign-on bonus check
Replies: 39
Views: 3815

Re: Taxes on sign-on bonus check

My son accepted an offer via on-campus interview. They just sent him the sign-on bonus check without withholding any taxes. The check is dated Dec 20th but we just got it. I had told my son that he will NOT be getting full amount as nobody escapes death and taxes but I was proven wrong and the chec...
by WallStreetPhysician
Wed Mar 22, 2017 7:58 pm
Forum: Investing - Help with Personal Investments
Topic: Roth 401K vs. 401K
Replies: 18
Views: 1030

Re: Roth 401K vs. 401K

Hi Bogleheads! I'm new to this site and have been reading content for awhile, what a great forum to learn, really appreciate everybody willing to help out us novice investors. So a little background, I recently turned 24 and graduated 1.5 years ago, have a full time sales job making 48K a year righ...
by WallStreetPhysician
Wed Mar 22, 2017 7:55 pm
Forum: Investing - Help with Personal Investments
Topic: WWBHD? 50k scared money for Roth IRA
Replies: 11
Views: 1028

Re: WWBHD? 50k scared money for Roth IRA

Hi Bogleheads ! I've been reading your forum for many months now. It's what made me open my eyes to investing and managing my retirement. I've finally registered hoping for some guidance. I'm a little overwhelmed. I'm 43, with around 240k saved up. I make roughly 120k per year with a wife and 4 yea...
by WallStreetPhysician
Tue Mar 21, 2017 9:04 pm
Forum: Personal Consumer Issues
Topic: Cord cutting: Masters Golf
Replies: 17
Views: 1525

Re: Cord cutting: Masters Golf

Recent cord cutter here thank to this forum:). Any recommendations for watching the Masters Golf Tournament coming up in April. The first few rounds are no problem as we are SLING customers and ESPN is in our package. How about the Saturday and Sunday rounds on CBS. Sign up for free trial of CBS al...
by WallStreetPhysician
Tue Mar 21, 2017 9:02 pm
Forum: Personal Consumer Issues
Topic: What to do with $100???
Replies: 78
Views: 4881

Re: What to do with $100???

OK, I just turned 37 today and my mom gave me $100. I am beginning the practice of "minimalism". "Things" don't really spark joy with me. I was going to get the Fitbit Charge 2. However, I already have the Charge HR and it works perfectly fine. I simply cannot think of anything ...
by WallStreetPhysician
Tue Mar 21, 2017 8:58 pm
Forum: Personal Consumer Issues
Topic: Anyone use coupon apps?
Replies: 22
Views: 1883

Re: Anyone use coupon apps?

I'm looking into ways to save a bit on those trips to the retail shop. I've seen apps like Cellfire and Coupons.com, but from what I can tell, those mainly plug into "loyalty cards" for a store. Neither of us have say, a Target Red card, etc. So it doesn't seem these would help much. Does...
by WallStreetPhysician
Tue Mar 21, 2017 8:55 pm
Forum: Personal Consumer Issues
Topic: What is your preferred Weather App?
Replies: 55
Views: 3192

Re: What is your preferred Weather App?

Iphone here. What app do you prefer? I've used "Weather Channel" for a while but would like to try something different. I just use the default Apple Weather app. I never really thought to use a 3rd party weather app (it's the weather...) but I'll check some of these out. -WallStreetPhysic...
by WallStreetPhysician
Tue Mar 21, 2017 8:50 pm
Forum: Investing - Theory, News & General
Topic: Schwab vs Vanguard vs Fidelity - ER fees
Replies: 18
Views: 1471

Re: Schwab vs Vanguard vs Fidelity - ER fees

Here is the ER fees comparison chart that is being advertised by Schwab. It is an interesting question - if the large index funds are all basically the same, would the ER be the deciding factor... if even by a tiny margin ? https://www.schwabfunds.com/public/file/P-10043741 The difference in expens...
by WallStreetPhysician
Tue Mar 21, 2017 8:46 pm
Forum: Investing - Theory, News & General
Topic: WSJ: S&P 500′s Rally Is Falling Behind the World
Replies: 15
Views: 3128

Re: WSJ: S&P 500′s Rally Is Falling Behind the World

New article from the WSJ about how some global indices are beating the S&P 500. Obviously you can say anything you want by selecting certain years, but it's interesting nonetheless, particularly because of all the discussion about whether or not to hold international stocks. http://blogs.wsj.co...
by WallStreetPhysician
Tue Mar 21, 2017 8:42 pm
Forum: Investing - Help with Personal Investments
Topic: Failing to understand taxable acct strat
Replies: 16
Views: 1757

Re: Failing to understand taxable acct strat

Sorry, I'm new at trying to understand this, and its a lot all at once. Trying to start moving money into a taxable account. Still not sure what best to put in it. Been picking through other threads and I see a lot of talk of funds like TSM. I do roughly get why an index fund is a better choice tha...
by WallStreetPhysician
Tue Mar 21, 2017 8:39 pm
Forum: Investing - Help with Personal Investments
Topic: taxable accounts
Replies: 10
Views: 840

Re: taxable accounts

Question about investing in the most tax efficient investments for savings outside of tax deferred accounts. I contribute the maximum to all of my retirement accounts. I have a large amount of cash that I want to invest in a taxable account. Also want to deposit monthly and reinvest dividends. I pl...
by WallStreetPhysician
Tue Mar 21, 2017 10:01 am
Forum: Investing - Theory, News & General
Topic: Harvard endowment beats S&P 500 by 2% a year over last 40 years
Replies: 50
Views: 5934

Re: Harvard endowment beats S&P 500 by 2% a year over last 40 years

I have read several threads here about the poor performance of the Harvard endowment in the last 5 years, but according to the link below, it has beaten the S&P 500 by an average of 2% a year over the last 40 years. How do you explain that? But if you can beat Harvard with a simple S&P 500 ...
by WallStreetPhysician
Tue Mar 21, 2017 9:57 am
Forum: Investing - Help with Personal Investments
Topic: Fidelity vs. Vangard?
Replies: 57
Views: 4539

Re: Fidelity vs. Vangard?

Seems like everyone here likes vangard? Does it have much lower fees than fidelity? Other pros and cons? I personally use Fidelity, but either is an excellent option. Some people like the Fidelity credit card (2% cash on all purchases that are transferred to your Fidelity account), so that's one pe...
by WallStreetPhysician
Tue Mar 21, 2017 9:55 am
Forum: Investing - Help with Personal Investments
Topic: Utah Vs. New York 529 - Which one and why?
Replies: 18
Views: 883

Re: Utah Vs. New York 529 - Which one and why?

BH's, We're ready to make our first deposit, to our first child's 529. Our little one is about 1 year old and we live in NJ. I've done a lot of research on the Utah and NY plans and feel one of these would be best. Could you please share your opinion with a little detail? As WCI mentioned, NY has s...
by WallStreetPhysician
Tue Mar 21, 2017 9:51 am
Forum: Investing - Help with Personal Investments
Topic: Am I Addicted [to contribute to my taxable account]
Replies: 57
Views: 6075

Re: Am I Addicted [to contribute to my taxable account]

Is it better to put extra cash into their taxable account in a fund such as: Vanguard Tax-Managed Balanced Fund Admiral Shares (VTMFX) Or do most people actually put it in: Vanguard Total Stock Market Index Fund Admiral Shares (VTSAX) I've maxed out my tax advantaged accounts as well... RadDoctor, ...
by WallStreetPhysician
Mon Mar 20, 2017 1:55 pm
Forum: Personal Finance (Not Investing)
Topic: Paying $20 to E-File State Return
Replies: 75
Views: 10837

Re: Paying $20 to E-File State Return

Leesbro63 wrote:Can anyone explain to me why someone would pay $20 (the Turbotax fee) to E-File a state return than can alternatively be printed for a few cents and mailed for another 44?


I can't think of a good reason. I sent mine by snail mail but did send it by certified mail to be sure they received it.
by WallStreetPhysician
Mon Mar 20, 2017 1:51 pm
Forum: Investing - Help with Personal Investments
Topic: Funds for taxable account
Replies: 11
Views: 934

Re: Funds for taxable account

You're on the right track. I would buy VTSAX. If you sell it in 5 months, you will pay short-term capital gains tax (or take a tax loss). If you want bonds, use your retirement accounts for that allocation.
by WallStreetPhysician
Mon Mar 20, 2017 1:48 pm
Forum: Investing - Help with Personal Investments
Topic: What Fidelity funds do you use in your 3 fund portfolio?
Replies: 11
Views: 1076

Re: What Fidelity funds do you use in your 3 fund portfolio?

I wrote about this on my blog last week (http://www.wallstreetphysician.com/forum-mailbag-warren-buffett-bond-funds-basic-fidelity-portfolios/). I've modified the recommendations below because you can only invest in Investor Shares for the International and Bond allocation (need at least $10K to inv...
by WallStreetPhysician
Mon Mar 20, 2017 1:38 pm
Forum: Investing - Help with Personal Investments
Topic: Will new index funds ever come out?
Replies: 12
Views: 1313

Re: Will new index funds ever come out?

As others have said, the price does not matter, especially for mutual funds, where you can buy fractional "shares".
by WallStreetPhysician
Mon Mar 20, 2017 1:36 pm
Forum: Investing - Help with Personal Investments
Topic: Need advice on my roth IRA
Replies: 6
Views: 354

Re: Need advice on my roth IRA

Stick it in a Total Stock Market Index fund (VTSAX). You can always change your mind later since it's in a Roth IRA. As you begin to read more about investing, you can tweak your allocation to your liking. You may end up just leaving it as it is for a while, though. Good luck, future/current interve...
by WallStreetPhysician
Mon Mar 20, 2017 1:31 pm
Forum: Investing - Help with Personal Investments
Topic: I would appreciate comments on my asset allocation.
Replies: 18
Views: 1219

Re: I would appreciate comments on my asset allocation.

This works, but perhaps is overkill on the number of funds. For example, I don't know the intricacies of the small cap, value, and small cap value, but couldn't you just have an allocation of small cap and value and get rid of the small cap value?
by WallStreetPhysician
Mon Jan 23, 2017 6:47 pm
Forum: Investing - Help with Personal Investments
Topic: How much mid-cap in my taxable portfolio?
Replies: 8
Views: 993

Re: How much mid-cap in my taxable portfolio?

Portfolio 3. Keep it simple. I think you are over-analyzing this.
by WallStreetPhysician
Mon Jan 23, 2017 6:30 pm
Forum: Investing - Help with Personal Investments
Topic: Automatic Reinvestment: To "check" or not to "check" (the box) . . that is the question?
Replies: 30
Views: 2722

Re: Automatic Reinvestment: To "check" or not to "check" (the box) . . that is the question?

I automatically reinvest dividends. The bogleheads wiki summarizes the major considerations well, but for me, it's just about convenience.
by WallStreetPhysician
Tue Jan 17, 2017 9:28 pm
Forum: Investing - Theory, News & General
Topic: Shouldn't everyone do a traditional IRA/401k instead of a Roth?
Replies: 132
Views: 7913

Re: Shouldn't everyone do a traditional IRA/401k instead of a Roth?

Medical residents should invest in a Roth instead of a traditional because their income is significantly lower than what they will be when they are attending physicians (and likely less than what they will spend in retirement).
by WallStreetPhysician
Tue Jan 17, 2017 9:21 pm
Forum: Personal Consumer Issues
Topic: Anyone rent toys?
Replies: 27
Views: 2879

Re: Anyone rent toys?

Buy used, then sell used for a similar or slightly lower price. That's kind of like renting toys and probably will be cheaper than the service you describe.
by WallStreetPhysician
Tue Jan 17, 2017 9:17 pm
Forum: Personal Consumer Issues
Topic: What are Costco's best deals?
Replies: 346
Views: 56062

Re: What are Costco's best deals?

Milk
Bottled Water
Costco Gas
Rotisserie Chicken

Go to advanced search