Search found 3919 matches

by in_reality
Tue Jun 27, 2017 8:04 am
Forum: Investing - Help with Personal Investments
Topic: Funds (Vanguard) or ETFs (Schwab)
Replies: 2
Views: 171

Re: Funds (Vanguard) or ETFs (Schwab)

Questions: 1. Does putting the bonds in the ROTH, as Vanguard does, save me significantly in taxes? I ask because Schwab does not do this automatically. Significantly? Well they are better tax-sheltered if you can. So are REITS. If you ultimately decide on Vanguard, tell the advisor at Schwab that ...
by in_reality
Tue Jun 27, 2017 6:34 am
Forum: Investing - Help with Personal Investments
Topic: (Almost) every day I make a financial mistake more costly than the day before
Replies: 22
Views: 1743

Re: (Almost) every day I make a financial mistake more costly than the day before

I'm considering the following options.... 1. Dump it all in, per the asset allocation and fund choices made (VTSAX, VGSLX, VBILX, etc.) US stocks and US REITS are at high valuations. International - not so much. Is that in your "etc." category. 2. Dump half of it in and keep the other hal...
by in_reality
Tue Jun 27, 2017 3:59 am
Forum: Investing - Help with Personal Investments
Topic: Investing Plan
Replies: 9
Views: 668

Re: Investing Plan

The links you provided are very helpful. Definitely an interesting result that much more often than not, putting money in now is better than scaling in. I understand the results, I just can't imagine putting all of this money in now and having the market crash in the near term, which is why I am co...
by in_reality
Mon Jun 26, 2017 3:21 am
Forum: Investing - Help with Personal Investments
Topic: Investing Plan
Replies: 9
Views: 668

Re: Investing Plan

However, I'm not sure how to get this money into the market. Putting it all into the market at once is a little scary to me. Yeah, it is scary for such a big amount. But you are 33 and will probably live to 83. I would be afraid of running out of money, but not afraid of a crash. Equities will reco...
by in_reality
Sun Jun 25, 2017 9:13 am
Forum: Investing - Theory, News & General
Topic: International Stocks - New thoughts
Replies: 72
Views: 3848

Re: International Stocks - New thoughts

That said, I think I would be comfortable with anywhere from 0%-30% of my equity in International Stocks. Mostly developed markets. Because emerging markets really concern me. (especially after reading David Swensen.) Unconventional success was published when 2005? Most of the income in my house co...
by in_reality
Sun Jun 25, 2017 7:50 am
Forum: Investing - Theory, News & General
Topic: International Stocks - New thoughts
Replies: 72
Views: 3848

Re: International Stocks - New thoughts

Here's what Schwab says after looking at data since 1969:

http://www.schwab.com/public/schwab/nn/ ... cmp=em-RBL
by in_reality
Sun Jun 25, 2017 7:33 am
Forum: Investing - Help with Personal Investments
Topic: Portfolio critique, bond options for taxable at Schwab, in CA?
Replies: 7
Views: 536

Re: Portfolio critique, bond options for taxable at Schwab, in CA?

Mr. NorCal and I would very much appreciate an overall critique of our portfolio, with specific suggestions for appropriate fixed income/bond funds for our Schwab taxable account. We are close to running out of tax-advantaged space for the first time, and would like to increase bonds to bring our A...
by in_reality
Sat Jun 24, 2017 8:02 pm
Forum: Investing - Theory, News & General
Topic: "Home Bias Blues: Investors really should get out more. The reasons for sticking to local stocks are fewer by the day."
Replies: 52
Views: 3986

Re: "Home Bias Blues: Investors really should get out more. The reasons for sticking to local stocks are fewer by the da

Is there any fundamental reasons to only own the stocks whose names start with the letters A through L? If it's a global market and all companies (at least big ones) get revenue from all over the world, then the decision to exclude them really falls into the A-L category. That said, is there any ma...
by in_reality
Sat Jun 24, 2017 12:33 am
Forum: Investing - Theory, News & General
Topic: Recent factor loadings?
Replies: 3
Views: 555

Re: Recent factor loadings?

I noticed something strange regarding factor loadings - when you go to portfoliovisualizer and check out lets say WisdomTree International SmallCap Fund (DLS) which should have nice size and value loadings, then you can see that for the date range 2006-2017 they are fine (size loading 0.34 value lo...
by in_reality
Wed Jun 21, 2017 11:04 pm
Forum: Investing - Theory, News & General
Topic: WSJ: MSCI Takes Fresh Look at Adding China Shares to Emerging-Market Index
Replies: 29
Views: 3695

Re: WSJ: MSCI Takes Fresh Look at Adding China Shares to Emerging-Market Index

How many A-shares does VWO (Vanguard FTSE Emerging Markets ETF) hold currently? So, will IEMG (iShares Core MSCI Emerging Markets ETF) look more appealing to anyone here after including 222 A-shares? IEMG also holds other not quite stocks (BABA, one other?) that VWO omits. Even though there are leg...
by in_reality
Wed Jun 21, 2017 7:00 am
Forum: Investing - Help with Personal Investments
Topic: Need to Replace Schwab SWLBX in Retirement Account
Replies: 9
Views: 730

Re: Need to Replace Schwab SWLBX in Retirement Account

Questions: Would Schwab US Aggregate Bond ETF (SCHZ) or Schwab U.S. Aggregate Bond Index Fund (SWAGX) be good alternative to SWLBX? If I exchange SWLBX for SCHZ, should I do it within the Contributory IRA to avoid a taxable event? (I already have SCHZ ETF in my Rollover portfolio.) Would there be t...
by in_reality
Wed Jun 21, 2017 6:34 am
Forum: Investing - Theory, News & General
Topic: Larry Swedroe: Equal Weighting Not So Magical
Replies: 3
Views: 791

Re: Larry Swedroe: Equal Weighting Not So Magical

http://www.etf.com/sections/index-investor-corner/swedroe-equal-weighting-not-so-magical Looks like equal weight funds just provide a little tilt to size and value. No real advantage over cap weighting when account for market beta, size factor, value factor loadings. Dave I am not sure that's entir...
by in_reality
Tue Jun 20, 2017 11:30 pm
Forum: Investing - Help with Personal Investments
Topic: [Kicked out of Vanguard; Moving to Merrill]
Replies: 20
Views: 1997

Re: Kicked out of Vanguard; now what

Skip forward to June 2017. I'm in Florida. I decided to sell off one of my bank stocks in my Vanguard IRA and replace it with an ETF. I sold the shares online. Then tried to buy the ETF. The message said call vanguard because my transaction would not be processed. I called Vanguard. They told me I ...
by in_reality
Tue Jun 20, 2017 10:59 am
Forum: Investing - Help with Personal Investments
Topic: Do you think other investment firms are better for taxable investments?
Replies: 15
Views: 947

Re: Do you think other investment firms are better for taxable investments?

From what I've seen on their websites and demos, some of the other investment firms have much better interface and tools for active investors or is it just an illusion with fancy graphics? With retirement set it and forget it approach, you really don't need to interact much with VG, but I think in ...
by in_reality
Tue Jun 20, 2017 8:47 am
Forum: Investing - Help with Personal Investments
Topic: CD Ladder?
Replies: 11
Views: 1059

Re: CD Ladder?

Is now a good time to establish a CD ladder? I've got $100,000 that I won't need for at least 10 years, but I want to keep it as risk-free as possible. However, I've never done anything like this before, and I'm not quite sure how to structure it. The highest 5-year rate I can find is 2.30%. Would ...
by in_reality
Tue Jun 20, 2017 6:13 am
Forum: Investing - Help with Personal Investments
Topic: American Expat: Opt to pay 5,500 of tax to qualify for IRA?
Replies: 6
Views: 633

Re: American Expat: Opt to pay 5,500 of tax to qualify for IRA?

Oh, understood now, it wont be over 102k. Is there any other way to contribute to an IRA while overseas if you are making less than 102k? Perhaps freelancing for 5,500 would work? Does freelance salary get excluded as well? You can choose to not exclude your all your income, and claim a credit for ...
by in_reality
Tue Jun 20, 2017 5:08 am
Forum: Investing - Theory, News & General
Topic: Wealthfront ignores own advice; adds Smart-Beta
Replies: 24
Views: 2427

Re: Wealthfront ignores own advice; adds Smart-Beta

This is really astounding. Burton Malkiel and Charlie Ellis both have written and spoken extensively about the unknowns regarding factor investing, using momentum, value, and small stocks for example. They have been champions of market-cap weighted portfolios. However, they are changing their portf...
by in_reality
Mon Jun 19, 2017 9:16 pm
Forum: Investing - Help with Personal Investments
Topic: Schwab 3-fund vs Target Date vs Intelligent Portfolio
Replies: 21
Views: 2980

Re: Schwab 3-fund vs Target Date vs Intelligent Portfolio

Thanks in_reality, I didn't realize there were two options, portfolios and advisory. I guess the advisory option is for those who don't want the structured robo portfolio. Paul Not 100% sure. I'd hope the advisory would be more Flexible than the robo portfolio but I can't ask because I'm overseas a...
by in_reality
Mon Jun 19, 2017 5:35 pm
Forum: Investing - Help with Personal Investments
Topic: Schwab 3-fund vs Target Date vs Intelligent Portfolio
Replies: 21
Views: 2980

Re: Schwab 3-fund vs Target Date vs Intelligent Portfolio

I wonder why Schwab didn't mention the Intelligent Advisory. It uses SIP technology and gives you a certified financial planner. Fees are 0.28% I thought there was no charge for Intelligent Portfolio other than the money they make off the cash. Do you have a link to the fees? thanks, Paul The link ...
by in_reality
Sun Jun 18, 2017 11:42 pm
Forum: Investing - Help with Personal Investments
Topic: Schwab 3-fund vs Target Date vs Intelligent Portfolio
Replies: 21
Views: 2980

Re: Schwab 3-fund vs Target Date vs Intelligent Portfolio

Schwab Intelligent Portfolio Review https://www.nerdwallet.com/blog/investing/charles-schwab-intelligent-portfolios-review/ How Schwab makes money on Intelligent Portfolios Schwab makes money off your cash. The money is held in an FDIC-insured Charles Schwab Bank account. Schwab uses it to generate...
by in_reality
Sun Jun 18, 2017 5:38 am
Forum: Investing - Help with Personal Investments
Topic: Thinking of changing my international allocation
Replies: 19
Views: 1436

Re: Thinking of changing my international allocation

I just read through the most recent thread on international. "Bogle Doubles Down on US Index Funds" https://www.bogleheads.org/forum/viewtopic.php?f=10&t=220873&newpost=3410274 I found some of the arguments against international pretty convincing. Especially the stuff about the re...
by in_reality
Sun Jun 18, 2017 1:43 am
Forum: Investing - Help with Personal Investments
Topic: Newbie seeking advise
Replies: 18
Views: 1279

Re: Newbie seeking advise

A lot of great advice...I am very grateful. I have taken the Vanguard questionnaire and it has recommended a 60% stock 40% bond holding. I am in the process of choosing and downsizing my holdings to 2 stock index funds and 1 bond index fund that matches the 60/40 allocation recommended to me. The o...
by in_reality
Sat Jun 17, 2017 10:09 pm
Forum: Investing - Theory, News & General
Topic: Your Favorite Portfolio Tilts
Replies: 86
Views: 5975

Re: Portfolio Tilts?

Bogleheads: Many of us think we know what asset-class is going to do well in the future (usually based on past performance or industry marketing). I suggest that before adding small, costly, and tax-inefficient funds requiring increased maintenance that you consider the many advantages of Simplicit...
by in_reality
Sat Jun 17, 2017 9:19 pm
Forum: Investing - Theory, News & General
Topic: Larry Swedroe: Persistence Of The Value Premium
Replies: 47
Views: 4794

Re: Larry Swedroe: Persistence Of The Value Premium

The key here is the inflow is significantly higher than the actual returns so you have an increased weighting in these stocks versus the average. Do you have a better metric to measure the effects of increased investment on these stocks? I think this is an issue as with other "crowding" t...
by in_reality
Sat Jun 17, 2017 3:55 am
Forum: Personal Finance (Not Investing)
Topic: Who takes financial chances and why is this forum so financially conservative?
Replies: 139
Views: 11878

Re: Who takes financial chances and why is this forum so financially conservative?

I'm not sure what direction this thread will go (my guess is it may get locked), but my family is considering taking additional chances and wondering if the responses will entice or scare us from taking them I think risk management is inherently conservative. At one of the worlds largest financial ...
by in_reality
Fri Jun 16, 2017 9:38 pm
Forum: Investing - Help with Personal Investments
Topic: Schwab 3-fund vs Target Date vs Intelligent Portfolio
Replies: 21
Views: 2980

Re: Schwab 3-fund vs Target Date vs Intelligent Portfolio

Bump. I'm facing a decision point - do I go forward with target date funds in both tax-deferred accounts and taxable accounts, or Schwab's intelligent portfolio, or target date in one and intelligent portfolio in the other. I just spoke wtih Schwab. They are recommending the intelligent portfolio, ...
by in_reality
Fri Jun 16, 2017 5:19 am
Forum: Investing - Help with Personal Investments
Topic: Vanguard total world stock ETF
Replies: 1
Views: 261

Re: Vanguard total world stock ETF

I'm going to be buying the Vanguard Total World stock ETF. I'm a dual citizen (US and UK) and this is a fund that reports to the US and UK tax authorities. I'm living in London and plan on doing so long term and the only place who will deal with me in the UK as a US citizen is Charles Shwab and the...
by in_reality
Thu Jun 15, 2017 11:48 am
Forum: Investing - Theory, News & General
Topic: Larry Swedroe: Persistence Of The Value Premium
Replies: 47
Views: 4794

Re: Larry Swedroe: Persistence Of The Value Premium

If you look at Vanguard as a proxy for the SCV (I think is orders of magnitude larger because Vanguard is one player amongst many in this area), AUM increased from $7.9b in 2012 to $24.5b in 2016 over a 3x increase in AUM. IMO the spread between growth & value can be misleading because value co...
by in_reality
Thu Jun 15, 2017 2:06 am
Forum: Investing - Theory, News & General
Topic: Larry Swedroe: Persistence Of The Value Premium
Replies: 47
Views: 4794

Re: Larry Swedroe: Persistence Of The Value Premium

My dates were not cherry picked. They happened after the Larry's article was published and updated recently to show the same results. Also the point was to include a time period where SCV funds were getting more & more AUM which at some point (maybe it already has) will effect future returns. I...
by in_reality
Thu Jun 15, 2017 2:02 am
Forum: Investing - Help with Personal Investments
Topic: ETF spreads
Replies: 7
Views: 515

Re: ETF spreads

Regular Schwab target date funds invest in mutual funds but the index mutual funds invest in ETFs. And the ETFs seem to have large spreads, like 2-4%. I don't like spreads - it means you're in the hole right when you buy it, like when you buy a house and it will cost you at least 6% to sell it. Mut...
by in_reality
Thu Jun 15, 2017 1:49 am
Forum: Investing - Help with Personal Investments
Topic: Accumulating Physical vs Accumulating Synthetic ETF
Replies: 4
Views: 407

Re: Accumulating Physical vs Accumulating Synthetic ETF

Hi All, I'm considering investing in one of the following 2 ETFs on the LSE: iShares Core MSCI World UCITS ETF (IWDA) TER 0.20 - AUM 8 billion Source MSCI World UCITS ETF A (MXWO) TER 0.19 - AUM 800 million The first is a physical accumulating ETF, the second is synthetic. I understand I will be ex...
by in_reality
Tue Jun 13, 2017 11:12 pm
Forum: Investing - Help with Personal Investments
Topic: Newbie seeking advise
Replies: 18
Views: 1279

Re: Newbie seeking advise

Great. This is exactly what I am looking for...I knew I wanted etf's and index's just didn't know the right ones/mix. I will read up and get my situation simplified. Thank you. One tool you might use is Morningstar's instant X-ray. You can look at the 9 box of Vanguard's total market fund and then ...
by in_reality
Tue Jun 13, 2017 9:25 pm
Forum: Investing - Theory, News & General
Topic: Larry Swedroe: Persistence Of The Value Premium
Replies: 47
Views: 4794

Re: Larry Swedroe: Persistence Of The Value Premium

You cannot except SCV to outperform every 5 year period. That's not the intention of the strategy. More so, you get solid returns with the Larry Portfolio 30:70 with some serious left tail hedging. Over longer time periods I do expect a 30:70 tilted to get similar returns of a higher equity strateg...
by in_reality
Tue Jun 13, 2017 9:15 pm
Forum: Investing - Help with Personal Investments
Topic: Question on Schwab Fundamental ETFs vs. Mutual Funds
Replies: 4
Views: 404

Re: Question on Schwab Fundamental ETFs vs. Mutual Funds

Small Value FNDA Schwab Fundamental U.S. Small Company Index ETF -Tracks the Russell RAFI U.S. Small Company Index, ER = .25%, total assets 1.8B, 1yr return (yahoo finance): 22.26% SFSNX Schwab Fundamental US Small Company Index Fund -Tracks the Russell RAFI U.S. Small Company Index, ER = .25%, tot...
by in_reality
Tue Jun 13, 2017 8:25 pm
Forum: Investing - Help with Personal Investments
Topic: Newbie seeking advise
Replies: 18
Views: 1279

Re: Newbie seeking advise

Great. This is exactly what I am looking for...I knew I wanted etf's and index's just didn't know the right ones/mix. I will read up and get my situation simplified. Thank you. One tool you might use is Morningstar's instant X-ray. You can look at the 9 box of Vanguard's total market fund and then ...
by in_reality
Tue Jun 13, 2017 3:40 am
Forum: Investing - Help with Personal Investments
Topic: Newbie seeking advise
Replies: 18
Views: 1279

Re: Newbie seeking advise

Would this allocation be good to continue to stay with or is there some overlay with this? Lot's overlap. I'm not against having multiple funds if they give you unique exposure, but I think you just have duplicate holdings. 4%Vanguard total stock market index fund will include 7% USAA Nasdaq 100 in...
by in_reality
Tue Jun 13, 2017 3:19 am
Forum: Personal Finance (Not Investing)
Topic: Capital Gains on Inherited Foreign Property
Replies: 7
Views: 592

Re: Capital Gains on Inherited Foreign Property

As I understand this - the property is in a foreign country and my father is not a US citizen. Hence, US tax laws should not apply. The laws of my home country allow me to file a "relinquishment deed" on a jointly held property without tax consequence. But you are a US Citizen, the proper...
by in_reality
Mon Jun 12, 2017 5:50 pm
Forum: Personal Finance (Not Investing)
Topic: Capital Gains on Inherited Foreign Property
Replies: 7
Views: 592

Re: Capital Gains on Inherted Foreign Property

As I understand this - the property is in a foreign country and my father is not a US citizen. Hence, US tax laws should not apply. The laws of my home country allow me to file a "relinquishment deed" on a jointly held property without tax consequence. But you are a US Citizen, the proper...
by in_reality
Mon Jun 12, 2017 1:56 am
Forum: Investing - Theory, News & General
Topic: How much international stock? A suggestion.
Replies: 193
Views: 28657

Re: How much international stock? A suggestion.

What exactly is the rationale for investing according to market weight? The market weight is how the market invests. I am not smarter than the market, nor do I possess information that it does not, therefore I invest in the same way. It's not one market. Different markets have different rules. An e...
by in_reality
Mon Jun 12, 2017 12:58 am
Forum: Investing - Help with Personal Investments
Topic: Help a Newbie
Replies: 10
Views: 655

Re: Help a Newbie

(this is mostly a bump up back to the top)

Hi and welcome!

If you don't have anything saved up for retirement yet, you might want to do that before contributing to the 529s.

Is your questions about which funds to use?
by in_reality
Mon Jun 12, 2017 12:04 am
Forum: Personal Finance (Not Investing)
Topic: Capital Gains on Inherited Foreign Property
Replies: 7
Views: 592

Re: Capital Gains on Inherted Foreign Property

I have property in a foreign country that is jointly owned by my father and I. I recently acquired US citizenship. I believe I am able to relinquish my interest in the property without any tax consequence. How would you relinquish interest? If you want to disclaim inherited property, you cannot acc...
by in_reality
Sun Jun 11, 2017 9:47 am
Forum: Personal Finance (Not Investing)
Topic: International *non-expat* assignment
Replies: 8
Views: 663

Re: International *non-expat* assignment

Also, while it won't make up for the 401k contributions or company match, you might consider tax rates in the Netherlands. If they are sufficiently high, you can declare all your overseas income as taxable in the US (by not excluding it via the Foreign Earned Income Exception) and claim a credit aga...
by in_reality
Sun Jun 11, 2017 9:18 am
Forum: Personal Finance (Not Investing)
Topic: International *non-expat* assignment
Replies: 8
Views: 663

Re: International *non-expat* assignment

Google "social security totalization agreement US Netherlands" You might want to confirm this with your company...per the agreement: On the other hand, if your employer sends you from one country to work for that employer or an affiliate in the other country for five years or less, you wil...
by in_reality
Sat Jun 10, 2017 9:52 pm
Forum: Personal Finance (Not Investing)
Topic: Tax question - Non-US citizen parent wants to gift wealth
Replies: 21
Views: 1746

Re: Tax question - Non-US citizen parent wants to gift wealth

No tax is paid on any inheritance under $ 5,450,000. You should be okay if your inheritance in less and you should be super OK if it is higher. This doesn't apply to NRAs. They have a $60k limit for US assets in their estate before taxation kicks in. The OP isn't talking about US assets anyway. htt...
by in_reality
Sat Jun 10, 2017 9:15 pm
Forum: Personal Finance (Not Investing)
Topic: Tax question - Non-US citizen parent wants to gift wealth
Replies: 21
Views: 1746

Re: Tax question - Non-US citizen parent wants to gift wealth

1. While Uncle Sam has been good to me, my father worked himself to the bone in a third world country and I do not feel the US govt has any rights to any thing he earned. Do I have to pay any taxes on anything including property he transfers to me in a third country? I don't believe you will have t...
by in_reality
Sat Jun 10, 2017 8:39 pm
Forum: Investing - Theory, News & General
Topic: HEHR-tolerance versus Loss Aversion--why setting and maintaining your own AA might be a mistake
Replies: 139
Views: 6710

Re: HEHR-tolerance versus Loss Aversion--why setting and maintaining your own AA might be a mistake

I strongly believe a Japanese investor would have been better served by yearly or semi yearly or even once or twice rebalancing out of the most appreciated assets into more diversified holdings. Just an aside, but if you imagine a Japanese investor with a diversified portfolio of global stocks and ...
by in_reality
Sat Jun 10, 2017 1:15 am
Forum: Investing - Theory, News & General
Topic: Is Inflation Dying of Old Age?
Replies: 82
Views: 6761

Re: Is Inflation Dying of Old Age?

mega317 wrote:Does this imply that as that generation passes on and the median age decreases we can expect inflation? Is it that predictable and straightforward?


I don't think so but rather that globalization has reduced it beyond what age demographics might.
by in_reality
Sat Jun 10, 2017 12:58 am
Forum: Investing - Theory, News & General
Topic: Larry Swedroe: Persistence Of The Value Premium
Replies: 47
Views: 4794

Re: Larry Swedroe: Persistence Of The Value Premium

(I'm picking just the most relevant piece out here to respond to, but in truth I am responding to your entire post) 2. In the future, the value premium will continue to exist but it may be smaller due to the larger number of people investing in it via smart beta products. Right, and that is the par...
by in_reality
Fri Jun 09, 2017 9:53 pm
Forum: Investing - Theory, News & General
Topic: Is Inflation Dying of Old Age?
Replies: 82
Views: 6761

Re: Is Inflation Dying of Old Age?

In America's inflation heyday, didn't salaries keep up? I think they pretty much did and that extra cost kept pushed up prices more. In today's globalized times, even a country like Japan which has a shortage of labor with more openings than applicants doesn't get inflation because they can push mor...
by in_reality
Fri Jun 09, 2017 12:07 am
Forum: Investing - Help with Personal Investments
Topic: Foreigner, 37, seeking advice on starting Roth IRA
Replies: 23
Views: 1433

Re: Foreigner, 37, seeking advice on starting Roth IRA

If 4%-6% includes inflation, then that's probably a decent estimate given currency high US valuations. No guarantees of course. To invest in both dividend paying stocks and ones the build capital gains, go for a total market ETF like SCHB. To invest internationally, here is a simple calculator show...

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