Search found 29 matches

by Zeusy Zeus
Tue Mar 17, 2020 10:03 pm
Forum: Personal Investments
Topic: ROTH rebalance question
Replies: 4
Views: 297

Re: ROTH rebalance question

DSInvestor wrote: Tue Mar 17, 2020 3:53 pm There are no penalties or tax issues to trade within a Roth IRA account. For ETF trades, your brokerage may charge a transaction fee. Doesn't matter if your holdings have gone up or down. Bonds could be flat but stocks took a dive and instead of 40% stocks / 60% bonds, your account looks like it is 30/70 to trigger the need to rebalance. To get back to your target of 40/60, you'd need add money to stocks and that money can come from new contributions or from the proceeds of selling something else in the portfolio (bonds being above target in this example).
Ah ok wasn’t sure. Thank you very much!
by Zeusy Zeus
Tue Mar 17, 2020 2:05 pm
Forum: Personal Investments
Topic: ROTH rebalance question
Replies: 4
Views: 297

Re: ROTH rebalance question

You have a situation where you need to rebalance to get you back to the your target allocation which may involve selling holdings which are above target (currently bonds) to buy holdings which are below target (currently stocks). Your backdoor Roth is essentially new money coming into the Roth IRA (Roth conversion after Traditional IRA contribution). New money coming into the Roth IRA can be used to rebalance the account. When using backdoor to Roth IRA, I like to contribute to TIRA and keep the money in a MMF or settlement. Convert the money from TIRA MMF/settlement fund to Roth IRA MMF or settlement fund. Once the money is in the Roth IRA, use the new money to buy the asset classes below target. This will reduce the need to sell holdings...
by Zeusy Zeus
Tue Mar 17, 2020 12:09 pm
Forum: Personal Investments
Topic: ROTH rebalance question
Replies: 4
Views: 297

ROTH rebalance question

Hey all, I have a question about rebalancing I hope someone can clear up. Before I get to it though I just want to say I feel blessed to have read up on Bogleheads and focused on index funds, with all this market uncertainty it’s really nice not panicking like most people. On to the question. Ok so this is the first time I’m rebalancing my portfolio, I want to sell some bonds and buy a little more equity. I currently do the simple three fund portfolio VTI, BND, and VXUS. VXUS and VTI 40% and BND 60%. The only dilemma is I do a back door ROTH. Ok so I’ve made earnings on the ROTH bonds so far which is what makes me hesitant to sell and buy equities to then do a backdoor. I want to transfer 30% of my BND to VTI. I use Merrill Lynch as my brok...
by Zeusy Zeus
Fri Oct 26, 2018 8:29 pm
Forum: Investing - Theory, News & General
Topic: What's everyone currently in?
Replies: 93
Views: 11092

Re: What's everyone currently in?

Vanguard Target Dates (Taxable 2035& RothIRA 2050) but upon hitting 60/40 in the Target 2035, will switch to 60/40 LifeStrategy at age 46ish.. How did you come up with these dates? Just curious because my TSP at work (essentially a 401k) is index funds also and they have a fund called lifecycle. It automatically brings your percentages to a more conservative number the closer you get to retirement. On Vanguard you can see where these funds will be %wise on a sliding scale. So I went with 2035 for my preferred risk at this age and then it will slowly glide down to 60/40 at about age 46, I plan to walk away from having to work before age 40. I will be ok with a 60/40 AA from 46-60ish because I will be living in Thailand where 15K (includ...
by Zeusy Zeus
Fri Oct 26, 2018 8:26 pm
Forum: Investing - Theory, News & General
Topic: What's everyone currently in?
Replies: 93
Views: 11092

Re: What's everyone currently in?

Same thing I was yesterday and the day before and the day before... 21% total U.S. market index 7% small cap (S&P small cap 600) 7% U.S. REIT and real estate index 28% total international market index 7% international REIT and real estate index 20% total U.S. bond index 10% total international bond index (USD hedged) Next time the US is in an official bear market, I'll reduce the bond allocation by 10%. If the S&P500 drops more than 30% from peak, then I'll go 100% equities. International officially entered "bear" territory yesterday, and I've been using most new contributions for international equities this year. Impressive. How can I learn on how to diversify like that? When and when to allocate and which funds to choose?
by Zeusy Zeus
Thu Oct 25, 2018 5:41 pm
Forum: Investing - Theory, News & General
Topic: What's everyone currently in?
Replies: 93
Views: 11092

Re: What's everyone currently in?

jalbert wrote: Thu Oct 25, 2018 4:50 pm
Zeusy Zeus wrote: Thu Oct 25, 2018 2:11 pm Hi everyone I'm just curious with all the volatility in the market right now what's everyone currently invested in?

I have my Roth IRA with VTI, BND, VXUS which is very basic I haven't touched it in years but with all this volatility I'm thinking I may want to.
If you haven’t touched it in years, it probably deviates from your asset allocation a fair bit. Rebalancing to get back to your asset allocation is a sensible response. If your stock allocation currently is overweight relative to your established asset allocation, rebalancing back to allocation will reduce risk and reduce exposure to a steep sell off or bear market in stocks
Yes exactly this is what I need to do. Where can I read more about how to do this? Long overdue.
by Zeusy Zeus
Thu Oct 25, 2018 5:40 pm
Forum: Investing - Theory, News & General
Topic: What's everyone currently in?
Replies: 93
Views: 11092

Re: What's everyone currently in?

bayview wrote: Thu Oct 25, 2018 4:35 pm Fixed: G fund (TSP), treasuries up to two years, CDs (transitioning from 3 year to 2 year ladder), a small amount in VG MM funds (federal and prime)

Equities: C and S funds (TSP US large -cap and completion respectively), VTSAX (total US Admiral), VIMAX (mid-cap US Admiral), VFSVX (international small-cap)

The fixed are in a "floor" or risk portfolio of 20-25 years worth of needed funds. All the rest other than a dribble of MM is in the equity funds. Using the the dribble of MM to get international back up to 20-25%.

I retired two weeks ago, just as stocks went blooie. Sorry, everyone. :D or possibly :oops:
Well it’s all rebounding nicely seems like you set yourself up quite nicely congrats on the retirement!
by Zeusy Zeus
Thu Oct 25, 2018 5:38 pm
Forum: Investing - Theory, News & General
Topic: What's everyone currently in?
Replies: 93
Views: 11092

Re: What's everyone currently in?

glennherwig wrote: Thu Oct 25, 2018 3:00 pm Roth: I’m 100% stocks. SCHG
In my employer 401k: I use a target date fund JFFIX it’s a 2055. As I’m only 21 years old I think this is the best year to set it at.
In my taxable: I have stocks, bonds, gold and liquid alt etfs. Here’s the list SCHG, TLT, SGOL, DYLS, WTMF, QAI, QED, MCRO, QMN.

If your looking to hedge. Liquid alts are great. If you are looking for capital preservation these are also good. But if you are looking to grow capital these are very bad. Just my opinion as someone that hasn’t been invested in them for a few months now. I’m very content with my portfolio and how it’s weathered the down turn.
Wow you’re really ahead of the game at 21 years of age good for you! I’ll look into those liquid alts thanks.
by Zeusy Zeus
Thu Oct 25, 2018 5:36 pm
Forum: Investing - Theory, News & General
Topic: What's everyone currently in?
Replies: 93
Views: 11092

Re: What's everyone currently in?

Jordan4FI wrote: Thu Oct 25, 2018 2:40 pm Vanguard Target Dates (Taxable 2035& RothIRA 2050) but upon hitting 60/40 in the Target 2035, will switch to 60/40 LifeStrategy at age 46ish..
How did you come up with these dates? Just curious because my TSP at work (essentially a 401k) is index funds also and they have a fund called lifecycle. It automatically brings your percentages to a more conservative number the closer you get to retirement.
by Zeusy Zeus
Thu Oct 25, 2018 5:34 pm
Forum: Investing - Theory, News & General
Topic: What's everyone currently in?
Replies: 93
Views: 11092

Re: What's everyone currently in?

I have my Roth IRA with VTI, BND, VXUS which is very basic I haven't touched it in years but with all this volatility I'm thinking I may want to. But why? There has been similar volatility several times over the last few years. I also think your Roth is where you want to swing for the fences. I am most aggressive on the Roth (100% VTI) because its benefit is tax-free appreciation, and I view it as "bonus" money for a hopeful early retirement. I am slightly less aggressive (80/20) on my 401k, and I am even less aggressive (60/40) on my taxable because my time horizon is shorter. I hear you on that and it makes total sense however with the markets being as high as they are it seems difficult to go full speeed aggressive. But you’re...
by Zeusy Zeus
Thu Oct 25, 2018 2:11 pm
Forum: Investing - Theory, News & General
Topic: What's everyone currently in?
Replies: 93
Views: 11092

What's everyone currently in?

Hi everyone I'm just curious with all the volatility in the market right now what's everyone currently invested in?

I have my Roth IRA with VTI, BND, VXUS which is very basic I haven't touched it in years but with all this volatility I'm thinking I may want to.
by Zeusy Zeus
Tue Oct 17, 2017 11:26 pm
Forum: Personal Investments
Topic: Thrift Savings Plan
Replies: 34
Views: 6839

Re: Thrift Savings Plan

Really appreciate the amount of feedback I've gotten on this topic I am convinced to move it to the L fund for the time being. I was trying to make up for lost ground but playing it safe is definitely the better way to go.

As for my question for Vanguard admiral shares, i remember reading bogleheads guide and it was referring to it but couldn't exactly remember how to get them. As I browse through the Wiki I'm noticing differences in the fees with admiral funds being less so I was curious how I can get into those.

And while I'm at it in my Roth IRA I'm invested in VTI, BND, and VXUS are those good choices?
by Zeusy Zeus
Tue Oct 17, 2017 1:53 am
Forum: Personal Investments
Topic: Thrift Savings Plan
Replies: 34
Views: 6839

Re: Thrift Savings Plan

Fundseeker, Arthur, Timerunner, Jerry, Slacker, delamer thank you for the responses. The TSP aren't my only assets I own several equities and I have a roth IRA as well. The TSP is always something I had in the military and now in federal service just sitting there not really touching but after gaining some knowledge on the market I thought why not make some gains with the TSP as well. I like the L fund Idea but I also don't think you'll maximize your returns that way. I'm going to go all in on the C fund 100% in a couple months I might change it but right now I'm hoping there's still some gains to be made. I'm 20 years away from retirement so I have time on my side, only problem is I do have a good amount in there now and would hate to see ...
by Zeusy Zeus
Mon Oct 16, 2017 9:57 pm
Forum: Personal Investments
Topic: Thrift Savings Plan
Replies: 34
Views: 6839

Re: Thrift Savings Plan

delamer wrote: Mon Oct 16, 2017 9:42 pm I meant these:

https://www.bogleheads.org/wiki/Lazy_portfolios
Still wouldn't know how to balance those for the TSP. I look at the 2 fund portfolio and I'm guessing 60% C fund 40% I fund. Also how do you get Admiral shares again? The expenses are much lower it has to do with the balance right?
by Zeusy Zeus
Mon Oct 16, 2017 9:35 pm
Forum: Personal Investments
Topic: Thrift Savings Plan
Replies: 34
Views: 6839

Re: Thrift Savings Plan

Yeah I see those "replicating the total stock market" articles but it still doesn't tell me what percentage is best and what not. It did however give me the basics stating S and C funds replicate the total stock index the best.
by Zeusy Zeus
Mon Oct 16, 2017 9:11 pm
Forum: Personal Investments
Topic: Thrift Savings Plan
Replies: 34
Views: 6839

Thrift Savings Plan

Hello everyone, I've been in the G fund for about 10 months now and have missed out on some serious gains thinking I was doing the right thing by being conservative. I'm tempted to dive back in but honestly need some knowledge on proper allocation. I was looking at buying a subscription online to a TSP advising website but most just seem sketchy to me. Does anyone have any advice they can share with me on allocation or maybe advisors to use? Thank you.
by Zeusy Zeus
Sat Aug 12, 2017 6:59 pm
Forum: Personal Investments
Topic: Newbie question about my stock in Amazon...
Replies: 51
Views: 7556

Re: Newbie question about my stock in Amazon...

I mostly follow SeekingAlpha articles and I read the comments people write on there and base it off the mutual consensus of whether or not a company is worth what it's priced at. I'm still currently reading Bogleheads I'm about halfway just trying to find the time to finish it. The picture overall is clear to me passive investing trumps stressing over the market every day because quite frankly you're worry free, I get that. Only reason I was asking the question I was asking was like I mentioned my Roth is maxed out and I want to play around with stocks. I made some impulsive buys which I'm regretting such as Snap but atleast it wasn't much. Currently I'm in Marijuana stocks (curious to hear your opinion) and I don't buy stocks on impulse I ...
by Zeusy Zeus
Sun Jul 30, 2017 7:45 pm
Forum: Personal Investments
Topic: Newbie question about my stock in Amazon...
Replies: 51
Views: 7556

Re: Newbie question about my stock in Amazon...

Grt2bOutdoors wrote:
Pajamas wrote:Just curious about how you are feeling about your Amazon stock right now. :?:

Jeff Bezos became the richest man in the world today. Maybe that won't be true tomorrow, but it is today!
Here's an interesting read on what to make of Amazon and others -- https://www.oaktreecapital.com/docs/def ... -again.pdf
Great article just curious how did you hear about it are you working with them? Thanks for sharing!
by Zeusy Zeus
Sun Jul 30, 2017 7:34 pm
Forum: Personal Investments
Topic: Newbie question about my stock in Amazon...
Replies: 51
Views: 7556

Re: Newbie question about my stock in Amazon...

Haha yeah... I ended up selling half the stock I owned at $1020 for a profit and of course it got all the way up to $1080 so that sucked I sold early (who knew). However looks like it was short lived because as I'm sure you all know the stock kept tumbling down after Q2 earnings. Either way it was a good lesson learned and I do believe many stocks are overvalued so I'm staying away and I hope to buy at dips now instead of impulsive buying bases on how much I personally like a company. Really appreciate the help from you all I'm 32 and still very new to this.
by Zeusy Zeus
Wed Jun 28, 2017 10:51 pm
Forum: Personal Investments
Topic: Newbie question about my stock in Amazon...
Replies: 51
Views: 7556

Re: Newbie question about my stock in Amazon...

I can't believe the amount of people who have responded here, I had a feeling I would get flamed for being a newbie (and in some ways I did), but the great advice I've gotten from the majority of you has helped me greatly words cannot explain. I appreciate the words of encouragement and the words of wisdom as I venture into this journey we call investing. Buying that Bogleheads book has been a blessing nonetheless.
by Zeusy Zeus
Wed Jun 28, 2017 10:48 pm
Forum: Personal Investments
Topic: Newbie question about my stock in Amazon...
Replies: 51
Views: 7556

Re: Newbie question about my stock in Amazon...

Hi there everyone, I just started reading Bogleheads guide to investing which lead me here because quite frankly I'm very new and I have no idea where to go online to seek help. My question is I got my feet weet a few weeks ago buying Amazon stock at a high price (unfortunately) thinking it would go up but then it went lower (bought more) and now that it is pretty high again I was contemplating selling due to what I've learned from when I bought it until now. Essentially I feel the stock is overvalued and is due for another drop post hype. I know they say don't time the market but what I'm trying to do is basically recover and hold off until I can buy again at a lower price. Would this be wise? I'm not even sure how much I would have to pa...
by Zeusy Zeus
Tue Jun 27, 2017 8:52 pm
Forum: Personal Investments
Topic: Newbie question about my stock in Amazon...
Replies: 51
Views: 7556

Re: Newbie question about my stock in Amazon...

Pajamas wrote:Well, if it is just play money thrown into the markets as an educational experience, sit tight and watch what happens next. You have already learned a great deal and you have only been investing in individual stocks for a few weeks.
You're absolutely right there PJ, thanks for the input!
by Zeusy Zeus
Tue Jun 27, 2017 7:02 pm
Forum: Personal Investments
Topic: Newbie question about my stock in Amazon...
Replies: 51
Views: 7556

Re: Newbie question about my stock in Amazon...

All great responses thank you very much I'm definitely going to be reading up on your suggestions. I would like to note if no one read my post above I am invested into VTI, BND, and VXUS I'm maxed out for the year (roth) so I wanted to play around with the market which is what lead me to rushing in.
by Zeusy Zeus
Mon Jun 26, 2017 2:02 pm
Forum: Personal Investments
Topic: Newbie question about my stock in Amazon...
Replies: 51
Views: 7556

Re: Newbie question about my stock in Amazon...

I personally invest most of my money into mutual funds like VTSAX and SWTSX and VINIX to hold true to the boglehead way of life. However I have about 12% of my portfolio in a few individual stocks I have a particular conviction in (Amazon being one of them) I personally feel that Amazon might do well in the next 10-15 years and contribute additional market gains into my overall portfolio. Since Amazon is a top holder in all of my funds. Amazon is just one stock I chose, and even if Amazon tanks and I lose 50% of my position, I still wont sell. With the recent news of purchasing Whole Foods amazon has the possibility of changing the game, Walmart, Target, Korger and Costco stocks tanked when news broke that Amazon is purchasing whole foods ...
by Zeusy Zeus
Mon Jun 26, 2017 1:59 pm
Forum: Personal Investments
Topic: Newbie question about my stock in Amazon...
Replies: 51
Views: 7556

Re: Newbie question about my stock in Amazon...

prudent wrote:Could you help us understand why you felt it was a good value a few weeks ago but today you believe it is overvalued?
When I bought it the stock was on the incline, I believe in the company I was buying. Next day the stock tanked 10% and just now with news of the Whole Foods acquisition the stock rose above what I purchased it for. It was my first exposure to stocks so I was under the impression these fluctuations would happen more often and I would be more inclined to buy at a much lower price but wanted to capitalize on the small gains it accumulated short term. Yes I guess you could call this "timing the market" but it was more of a pull out move due to my realization of how the stock market works.
by Zeusy Zeus
Mon Jun 26, 2017 1:54 pm
Forum: Personal Investments
Topic: Newbie question about my stock in Amazon...
Replies: 51
Views: 7556

Re: Newbie question about my stock in Amazon...

When you make an investment, generally it should be for the long term. A few weeks is much too short of a time to judge most investments. Amazon's all time high is $1,017 and right now it is $995 so you could only possibly be down a little over 2% at the most. That is a normal intraday fluctuation for Amazon. On the other hand, Amazon has returned about 42% over one year, about 348% over five years, and about 1,345% over ten years. Based on your reaction to a 2% fluctuation in Amazon, you might want to stick to a conservative investment plan until you feel more comfortable having money in the markets. This would be a good place to start if you haven't read it already: https://www.bogleheads.org/wiki/Getting_started Thank you pajamas... yea...
by Zeusy Zeus
Mon Jun 26, 2017 1:50 pm
Forum: Personal Investments
Topic: Newbie question about my stock in Amazon...
Replies: 51
Views: 7556

Re: Newbie question about my stock in Amazon...

Hi there everyone, I just started reading Bogleheads guide to investing which lead me here because quite frankly I'm very new and I have no idea where to go online to seek help. My question is I got my feet weet a few weeks ago buying Amazon stock at a high price (unfortunately) thinking it would go up but then it went lower (bought more) and now that it is pretty high again I was contemplating selling due to what I've learned from when I bought it until now. Essentially I feel the stock is overvalued and is due for another drop post hype. I know they say don't time the market but what I'm trying to do is basically recover and hold off until I can buy again at a lower price. Would this be wise? I'm not even sure how much I would have to pa...
by Zeusy Zeus
Mon Jun 26, 2017 1:40 pm
Forum: Personal Investments
Topic: Newbie question about my stock in Amazon...
Replies: 51
Views: 7556

Re: Market Timing and Individual Stocks

Hi there everyone, I just started reading Bogleheads guide to investing which lead me here because quite frankly I'm very new and I have no idea where to go online to seek help. My question is I got my feet weet a few weeks ago buying Amazon stock at a high price (unfortunately) thinking it would go up but then it went lower (bought more) and now that it is pretty high again I was contemplating selling due to what I've learned from when I bought it until now. Essentially I feel the stock is overvalued and is due for another drop post hype. I know they say don't time the market but what I'm trying to do is basically recover and hold off until I can buy again at a lower price. Would this be wise? I'm not even sure how much I would have to pa...
by Zeusy Zeus
Sat Jun 24, 2017 7:01 pm
Forum: Personal Investments
Topic: Newbie question about my stock in Amazon...
Replies: 51
Views: 7556

Newbie question about my stock in Amazon...

Hi there everyone, I just started reading Bogleheads guide to investing which lead me here because quite frankly I'm very new and I have no idea where to go online to seek help. My question is I got my feet weet a few weeks ago buying Amazon stock at a high price (unfortunately) thinking it would go up but then it went lower (bought more) and now that it is pretty high again I was contemplating selling due to what I've learned from when I bought it until now. Essentially I feel the stock is overvalued and is due for another drop post hype. I know they say don't time the market but what I'm trying to do is basically recover and hold off until I can buy again at a lower price. Would this be wise? I'm not even sure how much I would have to pay...