Search found 538 matches

by aristotelian
Sun Feb 26, 2017 1:48 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard vs Schwab vs Zacks? Any experiences?
Replies: 28
Views: 1008

Re: Vanguard vs Schwab vs Zacks? Any experiences?

Arguably, paying unnecessary expenses to have someone manage your funds could be a mistake. How will you know if the Robot Advisor is making good decisions? Have you done a calculation to see how much this decision could cost you over 20 years of compounding?
by aristotelian
Sun Feb 26, 2017 1:35 pm
Forum: Investing - Help with Personal Investments
Topic: House as Temporary Pseudo-Proxy for Bonds
Replies: 34
Views: 1176

Re: House as Temporary Pseudo-Proxy for Bonds

Some classes of bonds have a strong tendency for positive returns in bear markets. Having bonds go up while stocks go down can be ideal for rebalancing. The house is likely to decline in value in a bear market. It might offer a buffer but does not fully replace bonds. And of course for maximum diver...
by aristotelian
Sun Feb 26, 2017 1:26 pm
Forum: Investing - Help with Personal Investments
Topic: Please critique my bonds ratio
Replies: 9
Views: 495

Re: Please critique my bonds ratio

I will say with a low balance it really doesn't matter what your ratio is. Even in a major event you might lose only 10k. The important thing is to increase your savings rate.
by aristotelian
Sun Feb 26, 2017 7:29 am
Forum: Investing - Help with Personal Investments
Topic: House as Temporary Pseudo-Proxy for Bonds
Replies: 34
Views: 1176

Re: House as Temporary Pseudo-Proxy for Bonds

Why not both? Seems like you are trying to rationalize not owning bonds. If you are comfortable losing half of your portfolio, go ahead at your own risk.
by aristotelian
Sat Feb 25, 2017 9:24 pm
Forum: Investing - Theory, News & General
Topic: How to Rebalance with Rate Hikes Looming
Replies: 20
Views: 6393

Re: How to Rebalance with Rate Hikes Looming

I would rather be wrong about market timing with bonds than with stock. Unless you are talking about long term Treasuries, the downside consequences are far less drastic than a stock market crash.
by aristotelian
Sat Feb 25, 2017 8:01 am
Forum: Investing - Help with Personal Investments
Topic: Selling Individual Stocks With Capital Gains
Replies: 9
Views: 634

Re: Selling Individual Stocks With Capital Gains

I am going to disagree. To some extent I think folks on this site tend to be irrationally tax-avoidant. The whole goal of investing is to make money. You have accomplished that goal. Now to spend the money you need to pay taxes on it, now or in the future or both. One argument for paying now is that...
by aristotelian
Fri Feb 24, 2017 11:19 pm
Forum: Investing - Theory, News & General
Topic: Please vote on the wisest decision
Replies: 49
Views: 2723

Re: Please vote on the wisest decision

Can't you do Roth and 401k?
by aristotelian
Fri Feb 24, 2017 9:30 pm
Forum: Investing - Help with Personal Investments
Topic: Bear-Proof Bond Allocation
Replies: 12
Views: 1331

Re: Bear-Proof Bond Allocation

I already drew a distinction between Treasuries in particular, and intermediate-term investment-grade bonds in general for which you originally made the claim. Yes, sometimes there is a flight to quality. It isn't reliable. You can't build a successful strategy on the assumption it happens every ti...
by aristotelian
Fri Feb 24, 2017 9:17 pm
Forum: Investing - Help with Personal Investments
Topic: Rebalancing -> Market Crash and rebalancing
Replies: 42
Views: 1952

Re: Rebalancing -> Market Crash and rebalancing

aristotelian, Could you please provide some example of what do you mean by ease back cautiously? 5% per month? KlangFool If I had 1M, split 75/25, stocks dropped to 370/250...I might come back in at 5K per month until hitting $465K.[/quote] Okay. Thanks. KlangFool[/quote] I will admit, in 2008-09, ...
by aristotelian
Fri Feb 24, 2017 9:07 pm
Forum: Investing - Help with Personal Investments
Topic: Bear-Proof Bond Allocation
Replies: 12
Views: 1331

Re: Bear-Proof Bond Allocation

The last decade's global financial crisis was strongly associated with a flight to quality. There was fear about the financial system as a whole. Such will not be the case every time stock prices decline. The flight to quality, and I eschew the this-thread-only term zigginess in favor of it, happen...
by aristotelian
Fri Feb 24, 2017 8:53 pm
Forum: Investing - Help with Personal Investments
Topic: Help with HSA Investment Selection
Replies: 8
Views: 537

Re: Help with HSA Investment Selection

Can you transfer some of your HSA dollars to a third party? Those options are pretty bad.
by aristotelian
Fri Feb 24, 2017 8:48 pm
Forum: Investing - Help with Personal Investments
Topic: Rebalancing -> Market Crash and rebalancing
Replies: 42
Views: 1952

Re: Rebalancing -> Market Crash and rebalancing

To answer the question, I believe I would rebalance. My IPS says my allocation is supposed to be 75/25, and that I am supposed to rebalance from bond to stock during bear markets. However, my IPS does not say specifically to do it all at once. I believe my approach would be to ease back in cautious...
by aristotelian
Fri Feb 24, 2017 8:43 pm
Forum: Investing - Help with Personal Investments
Topic: 401k & Chase account help
Replies: 4
Views: 338

Re: 401k & Chase account help

OK, that is helpful. It appears there is nothing you can do about the 401k. Can you tell us anything about the custom profiles? Why is the expense ratio "N/A"? Those might be your best option. One question there, do you have an employer match? If no, then make the 401k your lowest priority...
by aristotelian
Fri Feb 24, 2017 8:31 pm
Forum: Investing - Help with Personal Investments
Topic: Rebalancing -> Market Crash and rebalancing
Replies: 42
Views: 1952

Re: Rebalancing -> Market Crash and rebalancing

To answer the question, I believe I would rebalance. My IPS says my allocation is supposed to be 75/25, and that I am supposed to rebalance from bond to stock during bear markets. However, my IPS does not say specifically to do it all at once. I believe my approach would be to ease back in cautiousl...
by aristotelian
Fri Feb 24, 2017 4:31 pm
Forum: Investing - Help with Personal Investments
Topic: Rebalancing -> Market Crash and rebalancing
Replies: 42
Views: 1952

Re: Rebalancing -> Market Crash and rebalancing

This is one of the reasons I am asking about focusing bond funds on sectors likely to go positive during bear markets, namely intermediate and long term Treasuries. In that case, it is possible that your 36k bonds grow to 41k in the event of a 50% stock crash, so you would have more money to rebalan...
by aristotelian
Fri Feb 24, 2017 4:03 pm
Forum: Investing - Help with Personal Investments
Topic: Bear-Proof Bond Allocation
Replies: 12
Views: 1331

Re: Bear-Proof Bond Allocation

Zigginess is unreliable. The conditions have to be right to provoke a flight to quality . Often they aren't. One should not adopt a plan based on the idea that Treasuries go up when stocks go down, because they don't reliably do so. PJW Do you know where I can find data on this? M-star and Vanguard...
by aristotelian
Fri Feb 24, 2017 4:00 pm
Forum: Investing - Help with Personal Investments
Topic: Stay at home wife 401k question
Replies: 13
Views: 510

Re: Stay at home wife 401k question

Yes, she would be able to contribute all of her 1099 income up to $18,000. We will be doing this for my wife this year although she is more part-time than stay at home. Depending on how much your wife has earned, it may not be worth the hassle.
by aristotelian
Fri Feb 24, 2017 3:49 pm
Forum: Investing - Help with Personal Investments
Topic: Bear-Proof Bond Allocation
Replies: 12
Views: 1331

Re: Bear-Proof Bond Allocation

Thank you for the responses. It's true that Traditional is not going to zig when stocks zag. I think the main thing to ask is whether or not you really need the zigginess that Treasuries offer. An argument to make is that you need it more if you are taking on more equity risk, not less. If you can g...
by aristotelian
Fri Feb 24, 2017 3:37 pm
Forum: Investing - Help with Personal Investments
Topic: 401k & Chase account help
Replies: 4
Views: 338

Re: 401k & Chase account help

How does my desired allocations look? Does the ratio of stocks to bonds does it seem to low? I'm thinking of leaving chase and going with vanguard or fidelity. With Vanguard not everything transfers over from Chase and the customer service has not been so great either. With Fidelity, the customer s...
by aristotelian
Fri Feb 24, 2017 11:34 am
Forum: Investing - Theory, News & General
Topic: ProShares S&P 500 Dividend Aristocrats ETF - thoughts?
Replies: 32
Views: 2409

Re: ProShares S&P 500 Dividend Aristocrats ETF - thoughts?

I've owned a pretty large chunk of SPYD (SPDR S&P 500 HIGH DIVIDEND ETF) for quite a while and I like the big dividend (now 4%) and the lower volatility and I am holding it for the long term. It's expenses are reported as .12%, good enough for me. Rational? Who knows. But it has done well and t...
by aristotelian
Fri Feb 24, 2017 10:24 am
Forum: Investing - Help with Personal Investments
Topic: Bear-Proof Bond Allocation
Replies: 12
Views: 1331

Bear-Proof Bond Allocation

I have recently rebalanced toward bonds, moving from close to 90/10 to 75/25, which feels safer to me as I have gotten older. Having had only about 10% in bonds, it really didn't matter what I put in there. Thinking it through more, I like the idea of having a portion of the portfolio not only as a ...
by aristotelian
Fri Feb 24, 2017 9:09 am
Forum: Investing - Help with Personal Investments
Topic: Talking with parents' financial advisor
Replies: 46
Views: 3348

Re: Talking with parents' financial advisor

Stocks don't have expense ratios, they have trading fees. If the advisor is buying-and-holding, it is possible that the trading expenses are actually lower than a comparable index fund. If it is a sufficiently diverse portfolio, I don't think stocks are inherently bad from a boglehead point of view....
by aristotelian
Thu Feb 23, 2017 11:15 pm
Forum: Investing - Help with Personal Investments
Topic: TIAA Rebalance
Replies: 7
Views: 468

Re: TIAA Rebalance

Their options are incredibly complicated, especially once you get past the accumulation phase. I would give them a call and don't expect to make a quick decision.
by aristotelian
Thu Feb 23, 2017 11:13 pm
Forum: Investing - Help with Personal Investments
Topic: which bond fund?
Replies: 7
Views: 518

Re: which bond fund?

Can you post the ticker symbols? Since you do not appear to have a total bond fund, I would piece together something with Inflation Protected Securities and the Blackrock fund, but I can't find any info on the latter.
by aristotelian
Thu Feb 23, 2017 11:05 pm
Forum: Investing - Theory, News & General
Topic: Market Run Ups - Now vs. Then
Replies: 76
Views: 4309

Re: Market Run Ups - Now vs. Then

How can people not see the huge speculative bubble we are in? It's just in a different form. The biggest, not ever tried before experiment in monetary manipulation. The big euphoria is hidden...it has been yield seeking...I.E. many people that would have kept money in bonds - moved that money into ...
by aristotelian
Thu Feb 23, 2017 10:52 pm
Forum: Investing - Help with Personal Investments
Topic: In a bit of a pickle as executor with individual stocks
Replies: 14
Views: 904

Re: In a bit of a pickle as executor with individual stocks

Sorry for your loss as well as your mom's condition. You must be under a lot of stress. Just keep in mind, she gave him the money. They were both adults who did not make a great decision. You do the best you can for them. Too bad he bought 100 shares of GOOD instead of GOOG. Another vote to cash it ...
by aristotelian
Thu Feb 23, 2017 10:45 pm
Forum: Investing - Theory, News & General
Topic: Peer-to-peer lending as an investment?
Replies: 35
Views: 2492

Re: Peer-to-peer lending as an investment?

Seems like loan sharking dressed up to make you feel good. I would feel dirty taking someone's money, and I would be upset if they defaulted. I will stick with VTI.
by aristotelian
Thu Feb 23, 2017 8:31 pm
Forum: Investing - Theory, News & General
Topic: ProShares S&P 500 Dividend Aristocrats ETF - thoughts?
Replies: 32
Views: 2409

Re: ProShares S&P 500 Dividend Aristocrats ETF - thoughts?

I checked VIG against SP500 index Guess what, it is lagging in 1-2-3-5 years behind SP 500 index I am surprised though. You would think dividend paying stocks would appreciate more but it is not I would not expect that. They are paying out cash that directly takes away from their market capitalizat...
by aristotelian
Thu Feb 23, 2017 8:26 pm
Forum: Investing - Theory, News & General
Topic: Market Run Ups - Now vs. Then
Replies: 76
Views: 4309

Re: Market Run Ups - Now vs. Then

I was not really following the market in 2000. This feels more gradual and less crazy than 2008, but it does feel overvalued to me. I don't feel like any sector is going nuts the way real estate was back then, where people were financing houses on pure debt and flipping them. People still remember '...
by aristotelian
Thu Feb 23, 2017 8:13 pm
Forum: Investing - Help with Personal Investments
Topic: Please review my portfolio and question about future investing
Replies: 1
Views: 207

Re: Please review my portfolio and question about future investing

As long as you have a long time horizon, I don't see any problem with putting the 100K cash in stock mutual funds. You will have to pay taxes on the gains, but I would rather have gains that are taxed than no gains. In a good year you might even be able to fund your Roth just with the gains from tha...
by aristotelian
Thu Feb 23, 2017 4:21 pm
Forum: Investing - Help with Personal Investments
Topic: Retirement savings: Lots of $, job prospects weak
Replies: 36
Views: 3847

Re: Retirement savings: Lots of $, job prospects weak

Thanks to you, and everyone, for the replies. If I were to do as you suggest (put 500k toward a total stock market index fund in Vanguard), how would you suggest I do this? Deposit 10k at a time, over five years? Deposit 20k per month until I hit 500k (roughly two years?) Or just do it all at once?...
by aristotelian
Thu Feb 23, 2017 4:05 pm
Forum: Investing - Theory, News & General
Topic: behavior and bogleheads wiki page on passively owning individual stocks
Replies: 10
Views: 820

Re: behavior and bogleheads wiki page on passively owning individual stocks

I asked this on another thread and didn't get too far with it. In practice, I am guessing that individual stock owners are going to be more likely to be involved in day to day trading. The introduction of ETFs is making it easier to trade mutual funds like stocks, but since you are investing in a di...
by aristotelian
Thu Feb 23, 2017 3:49 pm
Forum: Investing - Theory, News & General
Topic: TRF vs. Three-fund Portfolio
Replies: 6
Views: 547

Re: TRF vs. Three-fund Portfolio

You are going to pay slightly higher expense ratios for Target Date. Target Date rebalances automatically, set and forget. Three Fund needs to be done manually. If you are the type of person that might otherwise be inclined to sell stocks during a downturn, or buy stocks in a period of irrational ex...
by aristotelian
Thu Feb 23, 2017 1:58 pm
Forum: Investing - Help with Personal Investments
Topic: Retirement savings: Lots of $, job prospects weak
Replies: 36
Views: 3847

Re: Retirement savings: Lots of $, job prospects weak

6. Talk to a CPA about whether your gambling earnings from last year count as earned income. If they do, or if you've set it up where your gambling efforts are basically like a small business, you may be eligible to at least make a couple of (backdoor) Roth IRA contributions for 2016 and 2017. Perh...
by aristotelian
Thu Feb 23, 2017 1:55 pm
Forum: Investing - Help with Personal Investments
Topic: Retirement savings: Lots of $, job prospects weak
Replies: 36
Views: 3847

Re: Retirement savings: Lots of $, job prospects weak

What at interesting situation. That must have been quite a roll you were on! Good for you for amassing a small fortune at a young age, and for getting out while you were still ahead. Most gamblers who have experienced success are not so smart. Make sure you apply the same discipline to your investme...
by aristotelian
Thu Feb 23, 2017 12:00 pm
Forum: Investing - Help with Personal Investments
Topic: HSA Account or Taxable Account?
Replies: 10
Views: 295

Re: HSA Account or Taxable Account?

HSA is a great investment. At Age 65, you can make withdrawals penalty free. You do have to pay taxes on the withdrawals if they are not health-related. Essentially at Age 65 the HSA becomes a Traditional IRA. When you say taxes for non-health related withdrawals, do you mean taxes on the gain, or ...
by aristotelian
Thu Feb 23, 2017 11:55 am
Forum: Investing - Help with Personal Investments
Topic: Sell or Hold Old Investments that Don't Fit My Current Allocation?
Replies: 5
Views: 377

Re: Sell or Hold Old Investments that Don't Fit My Current Allocation?

If you were not currently holding these positions, are they investments that you would make today? It sounds like possibly yes on the oil, but no on the others. I would liquidate and use the losses to offset any capital gains.
by aristotelian
Thu Feb 23, 2017 11:43 am
Forum: Investing - Help with Personal Investments
Topic: HSA Account or Taxable Account?
Replies: 10
Views: 295

Re: HSA Account or Taxable Account?

HSA is a great investment. At Age 65, you can make withdrawals penalty free. You do have to pay taxes on the withdrawals if they are not health-related. Essentially at Age 65 the HSA becomes a Traditional IRA.
by aristotelian
Thu Feb 23, 2017 11:39 am
Forum: Investing - Help with Personal Investments
Topic: Tax Question - Custodial Inherited IRA
Replies: 7
Views: 224

Re: Tax Question - Custodial Inherited IRA

What are you doing with the aftertax net proceeds of their RMDs? If you are using a substantial portion of it for expenses that could be considered support (e.g., expenses for their current food, clothing, education, entertainment, shelter, etc.), then they might be considered under the law to be c...
by aristotelian
Thu Feb 23, 2017 11:37 am
Forum: Investing - Help with Personal Investments
Topic: Tax Question - Custodial Inherited IRA
Replies: 7
Views: 224

Re: Tax Question - Custodial Inherited IRA

While they vary from state to state, guardians are generally cumbersome . The decedent could have instead left the inherited IRAs to your children in separate trusts for their benefit, or to you as custodian for them under the Uniform Transfers to Minors Act. We generally use trusts for amounts thi...
by aristotelian
Thu Feb 23, 2017 10:59 am
Forum: Investing - Help with Personal Investments
Topic: Tax Question - Custodial Inherited IRA
Replies: 7
Views: 224

Re: Tax Question - Custodial Inherited IRA

Thank you both. Yes, I plan to report the guardian comp as income. Since I will be paying taxes on it, it seems only fair that it should not count as income for the kids. Yes, the bond prices are outrageous. It was even more ($14k) for my younger son. They do cover the lifetime of the guardianship a...
by aristotelian
Thu Feb 23, 2017 9:21 am
Forum: Investing - Help with Personal Investments
Topic: Tax Question - Custodial Inherited IRA
Replies: 7
Views: 224

Tax Question - Custodial Inherited IRA

Hi folks, I am doing taxes for the first time on Inherited IRA's that my children received from a relative. They each have portfolios of about $900k. They received RMD's this year of about $40k (at the rate of the deceased relative). They had several major costs outside of financial advisor commissi...
by aristotelian
Wed Feb 22, 2017 8:46 pm
Forum: Investing - Help with Personal Investments
Topic: Flexible Investing Options for Children
Replies: 7
Views: 478

Re: Flexible Investing Options for Children

I think 529's are the way to go. If she does not go to college, you can re-title the beneficiary to a relative, or withdraw the contribution with no penalty, and I believe a 10% hit just on the earnings. I am not comfortable with the UGMA, essentially giving cash to a young person who may or may not...
by aristotelian
Wed Feb 22, 2017 8:41 pm
Forum: Investing - Help with Personal Investments
Topic: TRF vs Index Funds: My fork in the road
Replies: 2
Views: 267

Re: Single Target Retirement Fund vs Multiple Index Funds

1. Which direction should I go from here? One VS the other, or a mix of both? 2. Is this merely a question of Simplicity VS Customization( and melding multiple Accounts)? 1. Either/or. You have a good set of funds. No reason to change, although you will need to periodically rebalance the 401k. 2. Y...
by aristotelian
Wed Feb 22, 2017 8:19 pm
Forum: Investing - Help with Personal Investments
Topic: Funds/ETFs selection help for a new rollover IRA account
Replies: 4
Views: 152

Re: Funds/ETFs selection help for a new rollover IRA account

You are making things complicated. The more sectors you add, the more you end up with total stock market. The more you concentrate, you are exposing yourself to risk. Total Stock Market and Total Bond Market are all you need at this point. If you want to make a bet on a particular industry or sector...
by aristotelian
Wed Feb 22, 2017 7:20 pm
Forum: Investing - Help with Personal Investments
Topic: What's my next move
Replies: 5
Views: 657

Re: What's my next move

Are you paid as a contractor? If so, open a solo 401k.
by aristotelian
Wed Feb 22, 2017 4:21 pm
Forum: Investing - Help with Personal Investments
Topic: VTSAX vs FSTVX
Replies: 10
Views: 624

Re: VTSAX vs FSTVX

It just means that FSTVX has fewer shares in circulation, so they cost a bit more. You are still buying just as much of the total stock market dollar for dollar, and your investment will get nearly the exact same returns.
by aristotelian
Wed Feb 22, 2017 2:44 pm
Forum: Investing - Help with Personal Investments
Topic: New Boglehead Millionaire
Replies: 65
Views: 7501

Re: New Boglehead Millionaire

Are you still a millionaire with the market down today? I am about $4k short! A couple of payroll contributions and one or two decent days short.
by aristotelian
Wed Feb 22, 2017 2:18 pm
Forum: Investing - Help with Personal Investments
Topic: Multiple Bond Funds?
Replies: 8
Views: 421

Re: Multiple Bond Funds?

I've never quite liked what I've seen of the overlapping VPAS bond recommendations. I split my bonds up into VSIGX (Intermediate Government Bond Index), VSCSX (Short-Term Corporate Bond Index), and VOHIX (Vanguard Ohio Long-Term Tax Exempt), but there's a reason for doing so and there's zero overla...
by aristotelian
Wed Feb 22, 2017 2:08 pm
Forum: Investing - Help with Personal Investments
Topic: Betterment, $500k in cash, no taxable events to transfer?
Replies: 30
Views: 2461

Re: Betterment, $500k in cash, no taxable events to transfer?

It is true that 0.2% of $500,000 is $1,000. So how much time does one spend to TLH? 10 minutes? So that's paying $1,000 for 10 minutes of trivial work? How trivial is the TLH work? I can have Vanguard send me an e-mail alert when my investment might have a loss of $3,000. I won't need to login or l...

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