Search found 2163 matches

by goingup
Fri Mar 24, 2017 2:03 pm
Forum: Personal Finance (Not Investing)
Topic: Are Bogleheads in the minority on the use of investment advisors?
Replies: 45
Views: 2224

Re: Are Bogleheads in the minority on the use of investment advisors?

I've followed this board since the Morningstar days. I can say I have never seen a portfolio posted here by a client of Ameriprise, Raymond James, Merrill Lynch, Ed Jones, etc. that looked remotely enviable. Typically the accounts are larded with high expense funds, there is terrible overlap and dup...
by goingup
Thu Mar 23, 2017 4:06 pm
Forum: Investing - Help with Personal Investments
Topic: Buy on Ex-Div Date or Just Afterwards?
Replies: 7
Views: 536

Re: Buy on Ex-Div Date or Just Afterwards?

I've set up automatic quarterly TSM fund purchases to happen on non-dividend months. On dividend months the divs automatically reinvest. So 8 times a year we're automatically purchasing TSM. It's a good system, with minimal effort, and no decision making. I like your theory, but I wouldn't want to p...
by goingup
Thu Mar 23, 2017 11:09 am
Forum: Investing - Theory, News & General
Topic: Why nobody talk about cash allocation ?
Replies: 17
Views: 1790

Re: Why nobody talk about cash allocation ?

Long thread from last month, "How Much Cash Do You Hold?" viewtopic.php?t=210735
by goingup
Thu Mar 23, 2017 9:31 am
Forum: Investing - Theory, News & General
Topic: Muni fund reinvest or not
Replies: 11
Views: 762

Re: Muni fund reinvest or not

I am confused about whether I should reinvest the monthly interest from my Calif intermediate tax free fund or just put them in my checking.We do not need it for current expenses and it is of course in our taxable accounts. If you don't need the dividends for expenses and they go to checking, then ...
by goingup
Wed Mar 22, 2017 2:52 pm
Forum: Investing - Help with Personal Investments
Topic: Value Tilt
Replies: 5
Views: 348

Re: Value Tilt

If (when) a tax loss harvest opportunity comes along I'd try to consolidate the SP500 and Growth Fund into the TSM fund. Further, I'd swap Mid Cap Value for Small Cap Value. I wouldn't do it now. Wait for the right opportunity. Meantime don't reinvest dividends into the funds you want to shed. I'm q...
by goingup
Wed Mar 22, 2017 2:42 pm
Forum: Investing - Help with Personal Investments
Topic: Wife's Asset Allocation - 401k options limited
Replies: 8
Views: 445

Re: Wife's Asset Allocation - 401k options limited

I agree that that DFA bond fund is a good choice. But since the OP states he has his own personal assets in a 70/30 AA, I'd suggest configuring spouse's at 70/30 AA too. Putting all the bonds in her 401K pretty well assures her of nearly flat portfolio growth. Plenty of couples don't try to globaliz...
by goingup
Wed Mar 22, 2017 1:19 pm
Forum: Investing - Help with Personal Investments
Topic: Wife's Asset Allocation - 401k options limited
Replies: 8
Views: 445

Re: Wife's Asset Allocation - 401k options limited

4. My personal assets are roughly 1.8m (~10x the size) of hers in a 70/ 30% allocation, with only 113 in 401k space. Would it be worth moving to a global allocation (and filling her 401k with fixed income options probably) or are the options in the 401k so bad as to not warrant the potential joint ...
by goingup
Wed Mar 22, 2017 11:09 am
Forum: Investing - Help with Personal Investments
Topic: Horrible 401K Fund Choices--Direct transfer to IRA questions
Replies: 7
Views: 379

Re: Horrible 401K Fund Choices--Direct transfer to IRA questions

Having any equity options at .2% is by definition not a horrible 401k. Even ones at .8% aren't "horrible." Agree. I don't even consider options bad until they breach 1%. I fear that young investors are trapped in the weeds when they want to forego investing in a 401K because of .2% fees. ...
by goingup
Wed Mar 22, 2017 9:28 am
Forum: Investing - Help with Personal Investments
Topic: Wife's Asset Allocation - 401k options limited
Replies: 8
Views: 445

Re: Wife's Asset Allocation - 401k options limited

Yes it's a good idea to hold bonds in your 401K either in addition to munis, or in lieu of munis. Usually a high quality, low-cost intermediate bond is the best choice. You haven't listed the ERs, so you'll have to answer that question yourself. I wouldn't worry about the domestic/international pote...
by goingup
Wed Mar 22, 2017 8:56 am
Forum: Investing - Theory, News & General
Topic: Sitting down with Fidelity advisor next week
Replies: 13
Views: 1513

Re: Sitting down with Fidelity advisor next week

I'm looking forward to getting his opinion on my 3.25% planned SWR based on retirement at 55, if he agrees with escalating expenses at 2.5% a year between now and then, and also his thoughts oh what tax rate I should assume in retirement. I also want to run through my spreadsheet projections with h...
by goingup
Mon Mar 20, 2017 3:35 pm
Forum: Investing - Help with Personal Investments
Topic: S&P 500 long-term investment: Mutual Fund vs. ETF?
Replies: 23
Views: 828

Re: S&P 500 long-term investment: Mutual Fund vs. ETF?

OP-
Use mutual funds. They are easier. You can't set up an automatic investment with ETFs.

Here's more ETF v. Mutual Fund differences as listed on the forum Wiki: https://www.bogleheads.org/wiki/ETFs_vs_mutual_funds
by goingup
Mon Mar 20, 2017 3:24 pm
Forum: Investing - Help with Personal Investments
Topic: Moving from Vanguard to Fidelity (probably)
Replies: 51
Views: 4419

Re: Moving from Vanguard to Fidelity (probably)

If you are using Vanguard Admiral Funds and plan on adding to them, it doesn't make sense to move to Fidelity. You'll either want to change to Fidelity funds, or exchange your Vanguard Admiral shares for Vanguard ETF shares before you jump ship. :D
by goingup
Mon Mar 20, 2017 3:14 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard Target Date in both 401k and IRA/taxable---any issue?
Replies: 6
Views: 439

Re: Vanguard Target Date in both 401k and IRA/taxable---any issue?

Target date fund is fine your 401K. In your Vanguard taxable account hold only tax-efficient funds, unless you are in a very low tax bracket and plan to stay there forever. Good funds for taxable are Total Stock, Total International. Because Blended or Target funds contain bonds and throw off bond i...
by goingup
Mon Mar 20, 2017 9:51 am
Forum: Investing - Help with Personal Investments
Topic: How do deal with high expense fees in 401k
Replies: 5
Views: 389

Re: How do deal with high expense fees in 401k

That's terrific that she will fully contribute to her Roth this year. A Target fund is a great choice for any investor, especially a set-and-forget investor. The 401K options aren't ideal, but we have certainly seen worse posted here. I'd encourage her to shoot for saving 15-20% of gross income betw...
by goingup
Mon Mar 20, 2017 9:08 am
Forum: Investing - Help with Personal Investments
Topic: bad 401k options at new job
Replies: 22
Views: 1545

Re: bad 401k options at new job

Pick the broadest lowest costs funds and contribute as much as you reasonably can. The automated payroll contributions of a 401K make it an easy way to build wealth. If you leave this job may be able to roll your 401K monies into a new 401K or IRA. Sure, contribute to a Roth too, but many investors ...
by goingup
Sun Mar 19, 2017 5:08 pm
Forum: Investing - Theory, News & General
Topic: It's worth remembering that bull markets don't last forever
Replies: 95
Views: 6501

Re: It's worth remembering that bull markets don't last forever

No bull markets don't last forever. Trees don't grow to the sky. What can an investor do but forge an appropriate asset allocation and hope for best?
by goingup
Sun Mar 19, 2017 5:05 pm
Forum: Investing - Help with Personal Investments
Topic: facing unexpected capital gains - tax loss harvesting options...
Replies: 44
Views: 1675

Re: facing unexpected capital gains - tax loss harvesting options...

I don't think 6-figure bonuses for high-tax bracket posters on this forum are unicorn rare. :wink: That's true, but what is different is that this apparently will be an involuntary capital gain event. Many of us get 6 and 7 digit income events around bonuses, but capital gains timing is under our c...
by goingup
Sun Mar 19, 2017 10:44 am
Forum: Investing - Help with Personal Investments
Topic: facing unexpected capital gains - tax loss harvesting options...
Replies: 44
Views: 1675

Re: facing unexpected capital gains - tax loss harvesting options...

I don't think 6-figure bonuses for high-tax bracket posters on this forum are unicorn rare. :wink: Why not invest according to your AA, keeping tax-efficient equity index funds in your taxable account. When tax-loss harvesting opportunities present themselves, seize them. You have all year and undou...
by goingup
Sun Mar 19, 2017 10:22 am
Forum: Investing - Help with Personal Investments
Topic: Expense Ratio question
Replies: 13
Views: 732

Re: Expense Ratio question

Past performance does not guarantee future returns. You will forever pay that 1.7% even when the fund under performs. ^This. The saying goes, "Returns come and go, but fees are forever". Pick the broadest lowest cost funds (or a Target Fund), contribute as much as you reasonably can, and ...
by goingup
Fri Mar 17, 2017 2:37 pm
Forum: Investing - Help with Personal Investments
Topic: Munis or CDs?
Replies: 9
Views: 884

Re: Munis or CDs?

I like VWIUX and have held it for almost 10 yrs. As noted above you aren't accounting for risk. Late last year VWIUX dropped by 5%. CDs don't lose principal. You might consider also holding Limited Term TE fund, which will fluctuate less because of shorter duration. goingup, I really like VWIUX and...
by goingup
Fri Mar 17, 2017 2:20 pm
Forum: Investing - Help with Personal Investments
Topic: 3 fund portfolio vs. all-in-one fund
Replies: 25
Views: 2184

Re: 3 fund portfolio vs. all-in-one fund

I think I would lean towards keeping both of the 401k's and the Roth in target funds, and then pulling out money from one of these accounts (and into bonds) to balance out the taxable fund . My first choice would be pull the money from my 401k because my target fund has the highest expense ratio of...
by goingup
Fri Mar 17, 2017 9:59 am
Forum: Investing - Help with Personal Investments
Topic: 3 fund portfolio vs. all-in-one fund
Replies: 25
Views: 2184

Re: 3 fund portfolio vs. all-in-one fund

Very simple. Total Stock and Total International in taxable.

Keep your Target funds in all your tax-advantaged if your prefer. If you need more bonds change the target date of your funds or use that State Street Bond fund. I'd think 20% bonds would be fine at your age--$80,000. :beer
by goingup
Fri Mar 17, 2017 9:47 am
Forum: Investing - Help with Personal Investments
Topic: Munis or CDs?
Replies: 9
Views: 884

Re: Munis or CDs?

I like VWIUX and have held it for almost 10 yrs. As noted above you aren't accounting for risk. Late last year VWIUX dropped by 5%. CDs don't lose principal. You might consider also holding Limited Term TE fund, which will fluctuate less because of shorter duration.
by goingup
Fri Mar 17, 2017 9:39 am
Forum: Investing - Help with Personal Investments
Topic: 401k worth the fees?
Replies: 10
Views: 911

Re: 401k worth the fees?

captpete- Your new 401K plan is not ideal. It is likely still worth the expense because contributing lowers taxable income and allows you $18K of deferred savings plus match per year. Hold your nose and choose the lowest cost options available. The automated payroll deductions are one of the easiest...
by goingup
Thu Mar 16, 2017 10:10 am
Forum: Investing - Help with Personal Investments
Topic: How do you cope with regret over selling too soon?
Replies: 57
Views: 3094

Re: How do you cope with regret over selling too soon?

You can't manage your investing life by looking in the rear view mirror. Have confidence that you made the best decision based on the information available at the time. Period. Move on.
by goingup
Thu Mar 16, 2017 10:01 am
Forum: Investing - Help with Personal Investments
Topic: Do you avoid international investing like Jack Bogle?
Replies: 151
Views: 7356

Re: Do you avoid international investing like Jack Bogle?

It's amazing that posters can sustain the passion to debate this week in and week out for years. Hold 20% or not and be done with it.
by goingup
Thu Mar 16, 2017 9:46 am
Forum: Personal Consumer Issues
Topic: Dispute with neighborhood association
Replies: 37
Views: 4029

Re: Dispute with neighborhood association

squirm wrote:All the while, I thought they were playing games with me (my wife says I'm way too negative).

Great ending! You must have sent a great letter.

When bad things happen I try to remember the old adage, "Don't ascribe to malice that which can be explained by incompetence".
by goingup
Wed Mar 15, 2017 1:20 pm
Forum: Investing - Help with Personal Investments
Topic: Father is 90, taking over his investments
Replies: 23
Views: 2525

Re: Father is 90, taking over his investments

I don't have any experience with this beyond having a surviving parent who had a similar sized estate at Merrill Lynch at the time he passed. Never had dementia and passed without hospice. Having said that, I would do nothing until he passes. You'll get a stepped up basis when you inherit. Why make ...
by goingup
Wed Mar 15, 2017 10:16 am
Forum: Investing - Help with Personal Investments
Topic: Trading Account
Replies: 4
Views: 257

Re: Trading Account

For ease and simplicity, I'd open the taxable account wherever you have your IRAs. The considerations are mutual funds or ETFs. How much are you investing? Some brokerages have lower minimums. Choose tax-efficient funds like a Total Stock Market, or Total International. It's important to set up a ta...
by goingup
Tue Mar 14, 2017 10:53 am
Forum: Investing - Help with Personal Investments
Topic: High Expenses Company 401k
Replies: 14
Views: 1058

Re: High Expenses Company 401k

Sometimes I think it's real disservice to young investors to parse whether or not they should contribute to their 401K/403B because the fees aren't great. The truth is few people can sock away after-tax savings that comes remotely close to the amount that can accrue through automatic payroll contrib...
by goingup
Tue Mar 14, 2017 9:39 am
Forum: Investing - Help with Personal Investments
Topic: Vang. High Yield Tax Exempt Fund Admiral Shares
Replies: 16
Views: 1123

Re: Vang. High Yield Tax Exempt Fund Admiral Shares

Look at the cost basis of your fund on the Vanguard website. If there is a loss you might decide to sell your entire position and purchase either the Vanguard Int Term Tax Exempt fund or the Limited Term Tax Exempt fund. Both are muni bond funds which are higher quality (lower yield) than your fund....
by goingup
Tue Mar 14, 2017 9:21 am
Forum: Personal Finance (Not Investing)
Topic: Did I Buy Too Much Home?!?!?!
Replies: 42
Views: 4388

Re: Did I Buy Too Much Home?!?!?!

You're fine. Left-coaster here so the numbers seem reasonable. We always have a bout of anxiety when putting on a new mortgage yoke for the first time.
by goingup
Mon Mar 13, 2017 10:18 am
Forum: Investing - Help with Personal Investments
Topic: 0.47% expense ratio - too high?
Replies: 24
Views: 2146

Re: 0.47% expense ratio - too high?

Is it called tilting when you make a speculative sector bet? I suppose it is semantics, but I have said in other cases that semantics sometimes matter. When a Boglehead says they are tilting it is usually based on strong research that there is a persistent benefit such as small value, etc... Invest...
by goingup
Mon Mar 13, 2017 10:13 am
Forum: Investing - Theory, News & General
Topic: Reasons not to check the account balance too often
Replies: 42
Views: 3764

Re: Reasons not to check the account balance too often

I look once a quarter add the figures to my excel spreadsheet look at the total vs last quarter and move on +1 and perhaps a couple of additional times during the year such as following RMD. That seems often enough to me, but I wonder about those that check daily or multiple times a day. Do you oft...
by goingup
Sun Mar 12, 2017 3:03 pm
Forum: Investing - Help with Personal Investments
Topic: Is there such a thing as tax loss harvesting if you are a boglehead?
Replies: 27
Views: 1809

Re: Is there such a thing as tax loss harvesting if you are a boglehead?

I don't love TLHing. I have referred to it as a mere footnote in investing and pretty much think it's a giant distraction in wealth-building. The benefits are real, however, and as long you swap into a similar fund your AA doesn't change. Obviously the losses are useful when paired against gains, or...
by goingup
Sun Mar 12, 2017 12:55 pm
Forum: Investing - Help with Personal Investments
Topic: 0.47% expense ratio - too high?
Replies: 24
Views: 2146

Re: 0.47% expense ratio - too high?

Is it called tilting when you make a speculative sector bet?
by goingup
Sat Mar 11, 2017 6:16 pm
Forum: Personal Finance (Not Investing)
Topic: Must I Keep My Own Records for Dividends and Capital Gains?
Replies: 18
Views: 2084

Re: Must I Keep My Own Records for Dividends and Capital Gains?

The posters who responded so far keep detailed records. We've been investing in taxable for 20 years and never have kept our own records. Shares prior to 2012 weren't covered. Shares purchased after that been designated with SPEC ID. When we first started investing in taxable it was $50-$100 per mon...
by goingup
Sat Mar 11, 2017 5:36 pm
Forum: Investing - Theory, News & General
Topic: On Buying Used Cars and Using a Financial Advisor
Replies: 51
Views: 3355

Re: On Buying Used Cars and Using a Financial Advisor

I'd have to think really hard about DFA funds in a taxable account. If you ever choose to leave your advisor you may transfer your DFA funds to a Schwab/Fidelity/Vanguard brokerage but you can never make additional contributions . Often taxable holdings have too many capital gains to unload. I find ...
by goingup
Sat Mar 11, 2017 5:07 pm
Forum: Investing - Theory, News & General
Topic: Reasons not to check the account balance too often
Replies: 42
Views: 3764

Re: Reasons not to check the account balance too often

I'm trying to look less. It's a hard habit to break. With mutual funds, though, looking once a day is plenty. Larry wrote an interesting piece last year about the pitfalls of peeking too often. Because viewing losses is so much more impactful than viewing gains, if a person checks less often, they'l...
by goingup
Sat Mar 11, 2017 11:58 am
Forum: Investing - Help with Personal Investments
Topic: High Expenses Company 401k
Replies: 14
Views: 1058

Re: High Expenses Company 401k

Since you are funding all the other tax-advantaged accounts fully, then yes fully fund your 401K. While the ER and administrative fees aren't great, we've certainly seen a lot worse here. If you forego using that 401K tax-deferred space, you lose it forever. You can't beat the ease, convenience and ...
by goingup
Sat Mar 11, 2017 11:44 am
Forum: Investing - Help with Personal Investments
Topic: Vanguard taxable experience in 2017
Replies: 6
Views: 785

Re: Vanguard taxable experience in 2017

Taxable account with Vanguard since 1999. We use only mutual funds. I tax loss harvest occasionally without incident. Vanguard has 20 million customers and manages $4 trillion in assets. You'll have to decide for yourself if the complaint posts on this forum are indicative of a bigger problem at Van...
by goingup
Sat Mar 11, 2017 11:34 am
Forum: Investing - Theory, News & General
Topic: Anyone sorry they used bonds when starting out
Replies: 94
Views: 6662

Re: Anyone sorry they used bonds when starting out

stemikger- Please forgive me if I'm confusing you with another poster. Didn't you change your AA to 90% stocks a couple years ago, then immediately change back to 50/50? Am I confused about that? I do sense that when stocks are on an upward tear you get very tempted by the siren sounds of more equit...
by goingup
Fri Mar 10, 2017 11:26 am
Forum: Investing - Theory, News & General
Topic: On Buying Used Cars and Using a Financial Advisor
Replies: 51
Views: 3355

Re: On Buying Used Cars and Using a Financial Advisor

Going up, I agree, there are good reasons for going advisor route that are beyond strict portfolio management: e.g. Wife, incapacitated, heirs, etc. I've experienced those benefits as well. Some of that falls in the "stuff I don't know that I don't know" category. With regard to Bernstein...
by goingup
Fri Mar 10, 2017 10:23 am
Forum: Investing - Theory, News & General
Topic: On Buying Used Cars and Using a Financial Advisor
Replies: 51
Views: 3355

Re: On Buying Used Cars and Using a Financial Advisor

I know William Bernstein once wrote that by the time an investor knows enough to choose a good advisor, he can probably manage his investments himself. I think there is a lot of truth in that, but not the whole truth. He's said a couple conflicting things about advisors--I don't know if his thinkin...
by goingup
Thu Mar 09, 2017 12:44 pm
Forum: Personal Finance (Not Investing)
Topic: Clawback of sales commissions earned
Replies: 42
Views: 2645

Re: Clawback of sales commissions earned

Okay I see it playing out 2 ways. You agree to their request and they clawback the money paid already and you still work with them going forward under the new compensation plan. Then it is your choice to either stay with them or look for another job. The other option is saying no. They take it out ...
by goingup
Thu Mar 09, 2017 10:45 am
Forum: Personal Finance (Not Investing)
Topic: Clawback of sales commissions earned
Replies: 42
Views: 2645

Re: Clawback of sales commissions earned

It's been a long time since I worked commissioned sales, but I wouldn't need a lawyer to tell me that changing my commission retroactively is not right. All sales up to the point the new policy was released should be grandfathered under the old policy. I'd run my dissatisfaction up the chain. I woul...
by goingup
Thu Mar 09, 2017 10:38 am
Forum: Investing - Theory, News & General
Topic: Best Resource to Introduce the Idea that Past Returns do not Indicate Better Funds
Replies: 20
Views: 1116

Re: Best Resource to Introduce the Idea that Past Returns do not Indicate Better Funds

Jack FFR1846 wrote:Google Callan's periodic table of returns.

Note that in a LOT of cases, the highest flying funds become the biggest losers the following year.

That would be my suggestion. It's one page, illuminating, and colorful!
by goingup
Wed Mar 08, 2017 12:06 pm
Forum: Investing - Theory, News & General
Topic: selling RSU immediately
Replies: 40
Views: 5434

Re: selling RSU immediately

The decision may partly rest on your role in the company. My wife's role puts her in very close contact with executive leaders and she has access to privileged information. She has clear visibility to health of the corporation. We keep her RSUs. My partner is an executive leader but we sell RSUs. Y...
by goingup
Wed Mar 08, 2017 9:16 am
Forum: Investing - Help with Personal Investments
Topic: Individual Funds Vs. Fund of Funds
Replies: 26
Views: 669

Re: Individual Funds Vs. Fund of Funds

Just curious about the math. What is the ER of the fund you're leaving and what are ERs of funds you're considering? It's really hard to save $7,000 per annum when transferring between Vanguard funds. FWIW, I appreciate blended/balanced funds in a 401K. Easy to maintain.
by goingup
Tue Mar 07, 2017 6:16 pm
Forum: Investing - Help with Personal Investments
Topic: Combining IRA accounts - should I sell funds before transfer?
Replies: 11
Views: 449

Re: Combining IRA accounts - should I sell funds before transfer?

Hey, maybe I should just sell them all at Scottrade and buy VG funds after the transfer. That's what I'd do. You'll probably be out of the market for 2 weeks. I wouldn't sweat that. What's the plan if you transfer-in-kind to Vanguard? Depending on your level of assets, every time you buy or sell on...

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