Search found 3249 matches

by iceport
Sat Oct 21, 2017 1:23 pm
Forum: Investing - Theory, News & General
Topic: J. Clements: Jack's Comments at 2017 Bogleheads Conference
Replies: 15
Views: 1826

Re: J. Clements: Jack's Comments at 2017 Bogleheads Conference

“With so much money coming into index funds at high valuations, there’s a risk of large redemptions” in the next market downturn. To what does this refer, large redemptions due to expected TLH, expected investor behavior, or something else? I'm not sure what effect high valuations during large fund...
by iceport
Sat Oct 21, 2017 12:55 pm
Forum: Investing - Theory, News & General
Topic: J. Clements: Jack's Comments at 2017 Bogleheads Conference
Replies: 15
Views: 1826

Re: J. Clements: Jack's Comments at 2017 Bogleheads Conference

Mel Lindauer wrote:
Sat Oct 21, 2017 11:55 am
iceport wrote:
Sat Oct 21, 2017 11:16 am
Did Jonathan participate in any panel discussions?
Yes, Jonathan was a panel member of the Q&A with the Experts part of the program. He also participated in the book signing portion of the Conference.
Great to hear, thanks Mel.
by iceport
Sat Oct 21, 2017 11:16 am
Forum: Investing - Theory, News & General
Topic: J. Clements: Jack's Comments at 2017 Bogleheads Conference
Replies: 15
Views: 1826

J. Clements: Jack's Comments at 2017 Bogleheads Conference

Until official reports of this years Boglehead Conference are posted — early news from event has been slim to none — here's a preview of some of Jack's noteworthy comments, collected by none other than Jonathan Clements. Did Jonathan participate in any panel discussions? We Know Jack The last bullet...
by iceport
Thu Oct 19, 2017 8:27 pm
Forum: Investing - Theory, News & General
Topic: For those near retirement and rebalanced to Bonds...
Replies: 34
Views: 3304

Re: For those near retirement and rebalanced to Bonds...

With the way the market has been performing I wondered about people in this scenario. As one approaches retirement the general rule is to migrate from stocks to bonds. In this scenario, with the way the market has been doing this past year or so, and lets say you have 50%- 75% or more of your portf...
by iceport
Thu Oct 19, 2017 6:27 pm
Forum: Investing - Theory, News & General
Topic: Regular Taxable Accounts vs Tax-Advantaged
Replies: 19
Views: 1799

Re: Regular Taxable Accounts vs Tax-Advantaged

Wouldn’t in some other situations it be better to have the flexibility and simplicity of only having regular brokerage accounts? For example… are these true? 1. Negotiating the rules and regulations of multiple types of taxable accounts is very complex and leads to portfolios that are spread out wi...
by iceport
Wed Oct 18, 2017 3:59 pm
Forum: Investing - Theory, News & General
Topic: Written transactions in brokerage accounts basically going away
Replies: 4
Views: 591

Re: Written transactions in brokerage accounts basically going away

Got the following e-mail today. This could make tax-loss harvesting harder and a few other use cases (I believe that's when I used a written instruction to them in my brokerage/taxable account). Recall you used to be able to go "around" the 60 then 30-day frequent trading policy by executing a trad...
by iceport
Sat Oct 14, 2017 1:10 pm
Forum: Investing - Theory, News & General
Topic: 10 year anniversary of the beginning of the Great Recession
Replies: 45
Views: 4247

Re: 10 year anniversary of the beginning of the Great Recession

Though I was deeply concerned by the Great Recession, enough that it probably affected my general outlook on life, I made it through relatively unscathed. The lowest portfolio balance (including new contributions) was about 34% below its prior all-time high. Within one year(!) of the late 2008 crash...
by iceport
Wed Oct 11, 2017 2:23 pm
Forum: Personal Consumer Issues
Topic: equifax security freeze error and no PIN?
Replies: 15
Views: 659

Re: equifax security freeze error and no PIN?

So, I tried to put a security freeze on at Equifax. I filled out the form, clicked next and the browser spun for a while and then I got an error saying it was unable to process my request at this time. I went back later to try again, and the only option available at this point was to "unfreeze" my ...
by iceport
Mon Oct 09, 2017 12:49 pm
Forum: Personal Consumer Issues
Topic: Technical (Computer) Issue Accessing Equifax Security Freeze Page
Replies: 6
Views: 606

Re: Technical (Computer) Issue Accessing Equifax Security Freeze Page

That happened to me once. The ISP swore it was the site I was trying to access. The website swore it was the ISP. This went on for weeks. To top it off, it was a site I had been accessing without trouble for virtually every day. What finally resolved it was getting a new router. That was a pretty e...
by iceport
Sat Oct 07, 2017 12:07 pm
Forum: Personal Consumer Issues
Topic: Technical (Computer) Issue Accessing Equifax Security Freeze Page
Replies: 6
Views: 606

Re: Technical (Computer) Issue Accessing Equifax Security Freeze Page

One last try for help from the forum... I just spent well over 1 hour on the phone with my ISP, and they could find neither the problem nor the solution. I don't know if they ever understood the problem was not likely on the PC, but something on the network. At this point, the only obvious next step...
by iceport
Wed Oct 04, 2017 8:35 pm
Forum: Investing - Theory, News & General
Topic: madsinger monthly report (September 2017)
Replies: 5
Views: 878

Re: madsinger monthly report (September 2017)

Thanks Brad. I look forward to these. This month marks just about 10-years since the October 2007 market peak prior to the Great Recession. In addition to measuring my own dollar-weighted (XIRR) returns from the beginning of 2007, as you have done, I also measure my return from the October 2007 mark...
by iceport
Wed Oct 04, 2017 8:21 pm
Forum: Investing - Theory, News & General
Topic: What counts in calculating portfolio withdrawals?
Replies: 10
Views: 607

Re: What counts in calculating portfolio withdrawals?

Yes, as others have said, anything that comes out of your retirement portfolio counts as a withdrawal for measuring against your assumed sustainable withdrawal rate. BUT WAIT, there's more! All taxes that must be paid while the funds are still invested (in taxable accounts) get counted when measurin...
by iceport
Wed Oct 04, 2017 2:33 pm
Forum: Personal Consumer Issues
Topic: Technical (Computer) Issue Accessing Equifax Security Freeze Page
Replies: 6
Views: 606

Re: Technical (Computer) Issue Accessing Equifax Security Freeze Page

I took a quick look but don't see anything obvious from my end. In particular www.freeze.equifax.com is an IPv4-only website. That's good troubleshooting using your laptop from another network. That certainly places your home network under suspicion. A reboot of your home modem/router/wireless-acce...
by iceport
Wed Oct 04, 2017 8:09 am
Forum: Personal Consumer Issues
Topic: Technical (Computer) Issue Accessing Equifax Security Freeze Page
Replies: 6
Views: 606

Technical (Computer) Issue Accessing Equifax Security Freeze Page

To any tech-saavy Bogleheads out there, I'm looking for help accessing the Equifax security freeze web page. It just won't load for me at home. I'd really like to access the site from home using my desktop PC. Any ideas you might have would be greatly appreciated. Here are the details of the problem...
by iceport
Fri Sep 29, 2017 12:52 pm
Forum: Personal Finance (Not Investing)
Topic: Wiki article - Credit freeze
Replies: 49
Views: 6441

Re: Wiki article - Credit freeze

EDIT: The Experian security freeze link has not been working for me for three days now. Is it my security settings, or is it the website? Does anyone else have any trouble getting the page to load through this link? How do I place a security freeze on my Equifax credit file? The easiest and fastest...
by iceport
Fri Sep 29, 2017 12:47 pm
Forum: Investing - Theory, News & General
Topic: Pension shortfalls and changes in Muni bond allocation?
Replies: 14
Views: 1674

Re: Pension shortfalls and changes in Muni bond allocation?

Is there one over-arching error all these pension funds made that got us here today? How come the pension funds aren't fat and happy like so many of the BH here in lieu of the last ten years? I understand that a pension fund and an individual are massively different but could you *explain like I'm ...
by iceport
Tue Sep 26, 2017 11:08 am
Forum: Personal Consumer Issues
Topic: Lifestyle Creep
Replies: 142
Views: 11698

Re: Lifestyle Creep

Nearly all aspects of my life have crept up with my income level. I mean what is the point of making more $ if you are not going to enjoy it? ... which leads to a couple of thoughts. First, "enjoying it" can take many forms. In my own case, by *not* giving in to lifestyle creep, I was able to retir...
by iceport
Tue Sep 26, 2017 10:42 am
Forum: Personal Finance (Not Investing)
Topic: Wiki article - Credit freeze
Replies: 49
Views: 6441

Re: Wiki article - Credit freeze

— Somewhere in Section 2, it might be worth noting that, in addition to fees varying by state, the freezing processes may vary by state. When Experian kicked me out of the web-based process with instructions to use snail mail, I was under the distinct impression that the requirement was based on my...
by iceport
Mon Sep 25, 2017 11:17 am
Forum: Personal Consumer Issues
Topic: Lifestyle Creep
Replies: 142
Views: 11698

Re: Lifestyle Creep

Nearly all aspects of my life have crept up with my income level. I mean what is the point of making more $ if you are not going to enjoy it? ... which leads to a couple of thoughts. First, "enjoying it" can take many forms. In my own case, by *not* giving in to lifestyle creep, I was able to retir...
by iceport
Mon Sep 25, 2017 11:06 am
Forum: Personal Finance (Not Investing)
Topic: Wiki article - Credit freeze
Replies: 49
Views: 6441

Re: Wiki article - Credit freeze

First, I'd just like to thank everyone for writing this valuable wiki article. It's looking great! I just froze my credit at the big three agencies. You're lucky, LadyGeek. I reviewed the processes I went through at the big three 2 years ago, to see if I had any comments to contribute to the wiki pa...
by iceport
Sun Sep 24, 2017 2:59 pm
Forum: Personal Consumer Issues
Topic: Where do you get your news?
Replies: 131
Views: 8399

Re: Where do you get your news?

I used to like PBS more than I do now, again it leans one way now and I would not consider it a neutral source of information. While trying to avoid getting more political, I'd just like to note that this is probably more the result of a dramatic shift in the "visible" spectrum over the past 30 yea...
by iceport
Sun Sep 24, 2017 7:19 am
Forum: Personal Consumer Issues
Topic: Lifestyle Creep
Replies: 142
Views: 11698

Re: Lifestyle Creep

Thanks in advance for anything you share here! I have renewed interest in learning about and increasing my own awareness of lifestyle creep. I am hoping others will share personal situations where they experienced or resisted this issue. What have you dealt with? What creep came into your life that...
by iceport
Sat Sep 23, 2017 6:41 pm
Forum: Personal Consumer Issues
Topic: Lifestyle Creep
Replies: 142
Views: 11698

Re: Lifestyle Creep

The biggest single aspect of lifestyle creep I successfully avoided was buying more house than needed. The vast majority of my (former) colleagues own McMansions, near-McMansions or relatively high-end older houses. I bought a decent little house of a size that used to routinely and comfortably acco...
by iceport
Fri Sep 22, 2017 8:12 pm
Forum: Personal Finance (Not Investing)
Topic: Age you retired
Replies: 112
Views: 8288

Re: Age you retired

Retired 6 months ago (April 1, 2017) at age 55.

Life is so much more pleasant. 8-)
by iceport
Wed Sep 20, 2017 8:39 pm
Forum: Investing - Theory, News & General
Topic: AA if you were just starting out again
Replies: 49
Views: 3719

Re: AA if you were just starting out again

I'm wondering just how good new information is in choosing an asset allocation (AA) vs experience. So, if starting all over again, would you use the same AA as you had before, or would you change it? What has experience taught you about risk and AA? Are the available information and the risk questi...
by iceport
Tue Aug 29, 2017 8:51 am
Forum: Investing - Help with Personal Investments
Topic: Reducing International Holdings?
Replies: 14
Views: 1422

Re: Reducing International Holdings?

FrugalInvestor wrote:
Mon Aug 28, 2017 5:12 pm
Do what you're comfortable with and then you're less likely to make changes. Having a plan, sticking to it and keeping costs low are what's important.
Exactly.

OP — see signature line below ▼
by iceport
Mon Aug 28, 2017 1:10 pm
Forum: Investing - Theory, News & General
Topic: Wash rule, ETFs and index funds
Replies: 67
Views: 4457

Re: Wash rule, ETFs and index funds

As an aside, I have sometimes made the comment that if someone does want to worry about it there is a ready made solution in just waiting the thirty days. That is really just a suggestion in general to not be so neurotic about the whole issue if someone finds themselves bothered about it. I'm far m...
by iceport
Sun Aug 27, 2017 11:10 am
Forum: Investing - Theory, News & General
Topic: Wash rule, ETFs and index funds
Replies: 67
Views: 4457

Re: Wash rule, ETFs and index funds

But, I would like a serious answer to the question: For actual investors on this forum who tax loss harvest, how much of this discussion has been helpful? Also the disclaimer: I have eaten my own cooking and just follow the thirty day exclusions, but that is largely because I am not interested in e...
by iceport
Sun Aug 27, 2017 2:02 am
Forum: Investing - Theory, News & General
Topic: Wash rule, ETFs and index funds
Replies: 67
Views: 4457

Re: Wash rule, ETFs and index funds

I don't think the "spirit" of the wash sale rule was ever intended to apply to the broad index types funds favored by Bogleheads. I think you are conflating two questions here: 1) what is the spirit of the wash sale rule? and 2) was the wash sale rule intended to apply to broad index mutual funds? ...
by iceport
Fri Aug 25, 2017 6:32 pm
Forum: Investing - Theory, News & General
Topic: Wash rule, ETFs and index funds
Replies: 67
Views: 4457

Re: Wash rule, ETFs and index funds

Hey, count me in. As long as the IRS allows us, whether inadvertently or through willful neglect, to flagrantly violate the spirit* of the wash sale rule, it would be foolish not to do so. It's just that clearing the low bar that's been set (or hinted at?) is so easy, I feel as though I might as wel...
by iceport
Fri Aug 25, 2017 8:36 am
Forum: Investing - Theory, News & General
Topic: Wash rule, ETFs and index funds
Replies: 67
Views: 4457

Re: Wash rule, ETFs and index funds

I'm still waiting for one.single.example of anyone being sanctioned by the IRS for non-reporting a "wash sale" when they sold one mutual fund at a loss and purchased another mutual fund inside the 30-day rule. This "risk" is one of several Boglehead unicorns. Often discussed but never actually obse...
by iceport
Fri Aug 25, 2017 8:34 am
Forum: Investing - Theory, News & General
Topic: Wash rule, ETFs and index funds
Replies: 67
Views: 4457

Re: Wash rule, ETFs and index funds

I generally don't pay any attention to speculation from Fairmark or Kitces on the subject. They don't know anything, and both have a vested interested in posting stuff to get eyes reading it. It isn't like the IRS hides the rules. As I showed. Some of the interpretation of these rules is open for d...
by iceport
Thu Aug 24, 2017 4:23 pm
Forum: Investing - Theory, News & General
Topic: Wash rule, ETFs and index funds
Replies: 67
Views: 4457

Re: Wash rule, ETFs and index funds

Doc wrote:
Thu Aug 24, 2017 4:18 pm
I have trouble sometimes understanding IRS speak.
It isn't you. The wash sale rules are ambiguous — period. Adding to the ambiguity, they were written for individual securities, so they don't always translate readily to instruments like mutual funds.
by iceport
Thu Aug 24, 2017 4:20 pm
Forum: Investing - Theory, News & General
Topic: Wash rule, ETFs and index funds
Replies: 67
Views: 4457

Re: Wash rule, ETFs and index funds

I generally don't pay any attention to speculation from Fairmark or Kitces on the subject. They don't know anything, and both have a vested interested in posting stuff to get eyes reading it. It isn't like the IRS hides the rules. As I showed. Some of the interpretation of these rules is open for d...
by iceport
Thu Aug 24, 2017 8:40 am
Forum: Investing - Theory, News & General
Topic: Wash rule, ETFs and index funds
Replies: 67
Views: 4457

Re: Wash rule, ETFs and index funds

That said I don't challenge your opinion. It has a high probability of being OK. Just no guarantee. Fair enough, Doc. This is probably a good time to note that we've been discussing wash sales like they are against the law. They aren't. They just need to be reported. In practice, if all we're talki...
by iceport
Thu Aug 24, 2017 8:29 am
Forum: Personal Finance (Not Investing)
Topic: Retirement anxiety- emotionally and financially
Replies: 55
Views: 6812

Re: Retirement anxiety- emotionally and financially

Welcome, Icecakes. This is a huge, life-altering question, so your anxiety is normal. The biggest financial question is probably pinning down your expenses. We anticipate our annual expenses to be $100k and eat out a ton. Is this an estimate of only your normal, recurring living expenses? Does it i...
by iceport
Wed Aug 23, 2017 7:56 pm
Forum: Personal Finance (Not Investing)
Topic: Retirement anxiety- emotionally and financially
Replies: 55
Views: 6812

Re: Retirement anxiety- emotionally and financially

Welcome, Icecakes. This is a huge, life-altering question, so your anxiety is normal. The biggest financial question is probably pinning down your expenses. We anticipate our annual expenses to be $100k and eat out a ton. Is this an estimate of only your normal, recurring living expenses? Does it in...
by iceport
Wed Aug 23, 2017 5:30 pm
Forum: Investing - Theory, News & General
Topic: Wash rule, ETFs and index funds
Replies: 67
Views: 4457

Re: Wash rule, ETFs and index funds

The target date fund is not substantially identical to an individual ETF security that is used in part to construct the target date fund. I wouldn't worry about hypothesized "wash sales" involving mutual funds unless it's the same fund. The IRS certainly isn't worried about it. IRS Publication 564:...
by iceport
Wed Aug 23, 2017 2:11 pm
Forum: Investing - Theory, News & General
Topic: Wash rule, ETFs and index funds
Replies: 67
Views: 4457

Re: Wash rule, ETFs and index funds

I agree with the "false sense of security" but not so much on "any serious effort to enforce". They just need to enforce one case to set a precedent and that precedent has to be taken into consideration by tax preparing professionals. I don't disagree. There are undoubtedly responsibilities and lia...
by iceport
Wed Aug 23, 2017 11:01 am
Forum: Investing - Theory, News & General
Topic: Wash rule, ETFs and index funds
Replies: 67
Views: 4457

Re: Wash rule, ETFs and index funds

Thanks. In that case I am OK now but should not use the robo for the IRA unless it is capable of seeing across multiple accounts. That's always a concern. I'm not familiar with how robo-advisors work, but I think the cost basis accounting requirements that brokerages and mutual fund companies must ...
by iceport
Wed Aug 23, 2017 10:54 am
Forum: Investing - Theory, News & General
Topic: Great Depression Videos on You Tube
Replies: 23
Views: 2647

Re: Great Depression Videos on You Tube

Does anyone know where to find stats for the 1929 thru 1932 period? (October 1929 thru Dec 1932, or if too hard to find, Jan 1929 thru Dec 1932) Things such as Total Return (or Total Loss) for the 3 or 4 year period for: SP 500 L/T Govt Bonds T Bills Inflation Real Estate . The Depression continued...
by iceport
Wed Aug 23, 2017 1:22 am
Forum: Investing - Theory, News & General
Topic: Wash rule, ETFs and index funds
Replies: 67
Views: 4457

Re: Wash rule, ETFs and index funds

Here's the setup: taxable account --> robo advisor --> own an ETF, such as SCHX --> ETF made up of stocks IRA account --> target date index fund --> fund includes the same ETF, SCHX --> ETF made up of stocks I know the wash rule applies across accounts. And in my taxable account I own the ETF direc...
by iceport
Tue Aug 22, 2017 8:04 pm
Forum: Investing - Theory, News & General
Topic: Great Depression Videos on You Tube
Replies: 23
Views: 2647

Re: Great Depression Videos on You Tube

Sorry about that, here is the link to the documentary. https://www.youtube.com/watch?v=FXNziew6C9A Thank you for the link. We're still hearing echoes of the past, of practically everything documented in that piece, this long afterwards. It seems we are able to see the past more clearly than the pre...
by iceport
Tue Aug 22, 2017 3:12 pm
Forum: Investing - Help with Personal Investments
Topic: Kind of stuck, need others input, Voya Gov. 457b
Replies: 3
Views: 247

Re: Kind of stuck, need others input, Voya Gov. 457b

Should I be so caught up with the extra expenses? It really bothers me that I can get the same fund for cheaper at Vanguard. Our previous plan only charged the fund expense. No, you should not be so upset about 0.13% in administrative fees; you are blowing those fees out of proportion. Everything i...
by iceport
Tue Aug 22, 2017 8:12 am
Forum: Personal Finance (Not Investing)
Topic: Cash vs bonds in retirement
Replies: 18
Views: 1104

Re: Cash vs bonds in retirement

I have read several posts where members say part of their asset allocation includes a years expenses in cash equivalents. At todays interest rates that seems a lot of money that is not working for you. What is the advantage in that as opposed to having it in a bond fund to be sold as needed? It dep...
by iceport
Tue Aug 22, 2017 7:48 am
Forum: Investing - Help with Personal Investments
Topic: Scary times.. not really. Rebalance recommendations?
Replies: 9
Views: 2136

Re: Scary times.. not really. Rebalance recommendations?

While attempting to estimate future returns of various equity sub-classes has value, it's not very valuable in the context of your portfolio questions. Allocating according to what has done well over the last 5 years is a mistake, in my opinion, as is adding funds randomly to gain exposure to only a...
by iceport
Tue Aug 22, 2017 3:12 am
Forum: Investing - Help with Personal Investments
Topic: Scary times.. not really. Rebalance recommendations?
Replies: 9
Views: 2136

Re: Scary times.. not really. Rebalance recommendations?

Have 403b/457. Both with equal weighting of fsemx,fsiix,fusex. Obviously, the fusex500 with greatest gains, fsemx with small and midcap has now turned down, and fsiix the int fund has lagged past few years , but might it turn ? Question is would you rebalance away some form the first two predominan...
by iceport
Sat Aug 19, 2017 12:30 pm
Forum: Investing - Theory, News & General
Topic: How Might Bogle View Proxy Vote Prop 7? Here's a Hint.
Replies: 9
Views: 2654

Re: How Might Bogle View Proxy Vote Prop 7? Here's a Hint.

bump... revised OP to reflect additional information on Bogle's perspective.
by iceport
Fri Aug 18, 2017 2:40 pm
Forum: Investing - Theory, News & General
Topic: How Might Bogle View Proxy Vote Prop 7? Here's a Hint.
Replies: 9
Views: 2654

How Might Bogle View Proxy Vote Prop 7? Here's a Hint.

The current Vanguard proxy vote includes a unique proposal: Proposal 7 — A shareholder proposal to institute transparent procedures to avoid holding investments in companies that, in management’s judgement, substantially contribute to genocide or crimes against humanity, the most egregious violation...
by iceport
Fri Aug 18, 2017 2:09 pm
Forum: Investing - Theory, News & General
Topic: "Vanguard fund shareholders encouraged to vote as proxy campaign gets under way."
Replies: 87
Views: 19399

Re: "Vanguard fund shareholders encouraged to vote as proxy campaign gets under way."

The REIT proposal is very important as it fundamentally changes the REIT Index Fund from REITs to Real Estate: Vanguard is proposing to add real estate development and management companies to this fund. I voted no. Before I would vote no on this question, I would want to know how how constrained th...