Search found 13 matches

by donaldson
Tue Apr 18, 2017 12:52 pm
Forum: Investing - Theory, News & General
Topic: Those that hold international equities at market-cap weight: what is your method?
Replies: 24
Views: 2273

Re: Those that hold international equities at market-cap weight: what is your method?

Thanks for the replies so far. I will attempt to sum up some of the responses for the benefit of anyone who has a similar question later: Do you use a single index such as Vanguard Total World Stock Index (VTWSX)? Some have chosen to do this, and often use ETFs such as VT to keep expense ratios down...
by donaldson
Mon Apr 17, 2017 5:11 pm
Forum: Personal Consumer Issues
Topic: USAA 2.5% Cash Back Credit Card
Replies: 171
Views: 27045

Re: USAA 2.5% Cash Back Credit Card

Interestingly enough, as of the time I am writing this, there is no mention of tax payments on the Limitless Visa terms and conditions: Qualifying Purchases do not include: Balance Transfers, Cash Advances (including Convenience Checks), ATM Cash Disbursements, Money Transfers, Truck Stop Transactio...
by donaldson
Mon Apr 17, 2017 1:50 pm
Forum: Investing - Theory, News & General
Topic: Those that hold international equities at market-cap weight: what is your method?
Replies: 24
Views: 2273

Those that hold international equities at market-cap weight: what is your method?

There have been many interesting discussions on U.S. versus international equity allocation generally, and several on the reasoning for holding international equity at market-capitalization weight specifically. This thread is not meant to be a debate on either of those topics. Instead, I am curious ...
by donaldson
Fri Apr 14, 2017 10:29 am
Forum: Personal Consumer Issues
Topic: USAA 2.5% Cash Back Credit Card
Replies: 171
Views: 27045

Re: USAA 2.5% Cash Back Credit Card

I already have a USAA Cashback Rewards AmEx. Can I get them to just convert that to the new 2.5% card? I already meet the direct deposit and geographical requirements. I would suggest keeping both cards if possible. The AmEx card gives you 5% cashback on gas and military base purchases (up to $3k o...
by donaldson
Wed Apr 12, 2017 4:06 pm
Forum: Personal Consumer Issues
Topic: USAA 2.5% Cash Back Credit Card
Replies: 171
Views: 27045

Re: USAA 2.5% Cash Back Credit Card

To follow up from my last post, from my Ally account I just set up an automatic transfer of $1000 to my USAA checking account for the last business day of each month. Then, from my USAA account, I set up an automatic transfer of $1000 back to Ally for the first of each month. The first transfers wil...
by donaldson
Wed Apr 12, 2017 3:04 pm
Forum: Personal Consumer Issues
Topic: USAA 2.5% Cash Back Credit Card
Replies: 171
Views: 27045

Re: USAA 2.5% Cash Back Credit Card

Your restrictions on accounts, most to least severe, seem to be: --Simple IRA. Deposits required for retirement. (Serious LT consequence if not funded.) --USAA checking. Deposits required for monthly bills and to satisfy $1K deposit of 2.5% CC. (Serious ST consequences if not funded.) --Ally saving...
by donaldson
Wed Apr 12, 2017 12:30 pm
Forum: Personal Consumer Issues
Topic: USAA 2.5% Cash Back Credit Card
Replies: 171
Views: 27045

Re: USAA 2.5% Cash Back Credit Card

Posting here rather than starting a new thread: I just signed up for this card, and I am wondering if anyone has any advice on how to manage both the $1000 minimum direct deposit, and my desire to max out my employer retirement plan. Right now I am participating in a SIMPLE IRA plan with my employer...
by donaldson
Fri Mar 24, 2017 1:15 pm
Forum: Personal Finance (Not Investing)
Topic: How did you do your income taxes?
Replies: 96
Views: 4415

Re: How did you do your income taxes?

I am guessing that most people on this site will be over the income limit ($64,000), but I used the service below from United Way to get full access to H&R Block online and file my federal/state returns for free. That was something like an $80 savings from the equivalent version of Turbotax that...
by donaldson
Sat Jul 23, 2016 10:35 am
Forum: Investing - Help with Personal Investments
Topic: Asset allocation when combining target-date and non-target-date funds across accounts
Replies: 7
Views: 944

Re: Asset allocation when combining target-date and non-target-date funds across accounts

Just to update this thread as promised, I did go with option #6 from my previous post:

donaldson wrote:6) Switch to a target-date fund closer to the AA for the rest of my portfolio (in this case, 2035) and ignore the SIMPLE IRA when rebalancing


My SIMPLE IRA is now in the BlackRock Lifepath Index 2035 (LIJAX).
by donaldson
Tue Jul 05, 2016 10:27 pm
Forum: Investing - Help with Personal Investments
Topic: Asset allocation when combining target-date and non-target-date funds across accounts
Replies: 7
Views: 944

Re: Asset allocation when combining target-date and non-target-date funds across accounts

If you could post your Simple IRA fund options, we could provide better responses. I'm surprised no one else asked for that yet. I don't have a full list, because conversations with the plan's advisor have gone like this: Me: Can I see the list of fund options for the plan, or is there a way to vie...
by donaldson
Mon Jul 04, 2016 7:54 pm
Forum: Investing - Help with Personal Investments
Topic: Asset allocation when combining target-date and non-target-date funds across accounts
Replies: 7
Views: 944

Re: Asset allocation when combining target-date and non-target-date funds across accounts

Thanks for the replies. I understand now that my error was picking the target-date fund by the date (closest to when I will be 59.5) rather than by allocation. I think for now, I will stick with the fund that I have and try rebalancing through my other accounts like Duckie described. I will re-asses...
by donaldson
Mon Jul 04, 2016 3:30 pm
Forum: Investing - Help with Personal Investments
Topic: Asset allocation when combining target-date and non-target-date funds across accounts
Replies: 7
Views: 944

Re: Asset allocation when combining target-date and non-target-date funds across accounts

I realized that my original post above was asking too many things at once, so I edited it to focus on my main question. Any feedback would be appreciated!
by donaldson
Mon Jul 04, 2016 2:12 am
Forum: Investing - Help with Personal Investments
Topic: Asset allocation when combining target-date and non-target-date funds across accounts
Replies: 7
Views: 944

Asset allocation when combining target-date and non-target-date funds across accounts

I am making some changes in my portfolio and need some help understanding how to approach asset allocation when using a combination of a target-date fund and a 3-fund portfolio, in separate accounts. My question is how to handle the fact that the target-date fund's holdings are rebalanced on their o...

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