Search found 4177 matches

by in_reality
Sun Oct 22, 2017 10:59 am
Forum: Investing - Help with Personal Investments
Topic: Please help! Portfolio mess - should I get a financial advisor?
Replies: 14
Views: 1321

Re: Please help! Portfolio mess - should I get a financial advisor?

Just in case it wasn't clear, I meant start by looking at: US 27.17% his 401k (must be us), his roth (small value), her roth (small value), her additional pre tax retirement account (US total market) INTL 17.69% her 403b, her 401a (TIAA Access International Equity Index * .85) [this index is 85% dev...
by in_reality
Sat Oct 21, 2017 10:33 pm
Forum: Investing - Help with Personal Investments
Topic: Please help! Portfolio mess - should I get a financial advisor?
Replies: 14
Views: 1321

Re: Please help! Portfolio mess - should I get a financial advisor?

Target% - US 40% INT 40% EM20% To hit the EM and value targets, my inclination would be to use the 0.16% TIAA Access International Equity Index funds in her 401a and 403b accounts. They tilt a little growth but would leave you will money to allocate in your fidelity accounts where you have free choi...
by in_reality
Sat Oct 21, 2017 9:39 pm
Forum: Investing - Help with Personal Investments
Topic: Please help! Portfolio mess - should I get a financial advisor?
Replies: 14
Views: 1321

Re: Please help! Portfolio mess - should I get a financial advisor?

Contributions New annual Contributions Her 401a - 18K + some employer match Her 403b - 18K Her additional retirement account - 18K Her NEW Fido account - about 50K annual, but no monies yet Her VG Roth - $5500 His Company one - 18K + some employer match His Company two - about 40K/year His VG Roth ...
by in_reality
Sat Oct 21, 2017 8:04 pm
Forum: Investing - Help with Personal Investments
Topic: Please help! Portfolio mess - should I get a financial advisor?
Replies: 14
Views: 1321

Re: Please help! Portfolio mess

This is a new account that is open but no contributions yet for her. Will be making contributions around tax time and will have access to all funds at Fido. Ok will get to editing and making it cleaner I see. That was the biggest missing piece since usually we pick the best funds in the 401k and th...
by in_reality
Sat Oct 21, 2017 8:01 am
Forum: Investing - Help with Personal Investments
Topic: Please help! Portfolio mess - should I get a financial advisor?
Replies: 14
Views: 1321

Re: Please help! Portfolio mess

Desired Asset allocation: 100% stocks (tilt to SCV) Desired International allocation: 60% of stocks (1/3 of this EM) That works out to be: 40% US 40% Intl 20% EM Is it your intention to underweight US equities? Questions: 1. How do I change my allocation best to get currently where I want to be? Yo...
by in_reality
Sat Oct 21, 2017 12:24 am
Forum: Investing - Theory, News & General
Topic: Charles schwab - why so much cheaper?
Replies: 34
Views: 3909

Re: Charles schwab - why so much cheaper?

I think a more worrying prospect is that you go to schwab or fidelity due to their lower er fees, and eventually (mental decline, you die and spouse with less investing knowledge has to take over, etc) you get talked into moving from their low fee index funds into an aum or managed account with muc...
by in_reality
Fri Oct 20, 2017 5:44 am
Forum: Investing - Help with Personal Investments
Topic: $1000 per month for Schwab ETFs
Replies: 4
Views: 599

Re: $1000 per month for Schwab ETFs

So I'm investing around $1000 per month on Schwab ETFs for entire world exposure. I am only using 2 ETFs with a 80-20 split. So essentially $800 on SCHB (Broad US market) and $200 on SCHF (International market). I want to do this every month. Does anyone see any better Schwab ETFs to invest if I wa...
by in_reality
Thu Oct 12, 2017 8:57 am
Forum: Investing - Help with Personal Investments
Topic: Intro and questions
Replies: 18
Views: 1361

Re: Intro and questions

Yes, it was invested, but 33% was the RPSIX bonds. As far as why wait, some think market is currently fully valued, but I know the adage about market timing. Yeah, I get that. At current valuations we are expecting maybe 3% real. So if inflation is 2%, you can buy the stocks next year for 5% higher...
by in_reality
Thu Oct 12, 2017 5:04 am
Forum: Investing - Help with Personal Investments
Topic: Intro and questions
Replies: 18
Views: 1361

Re: Intro and questions

Hi and welcome, Desired Asset Allocation: 60% Bonds / 40% Stocks<br/> Desired International stock allocation: 20 - 25%<br/> Desired International bond allocation: 12%<br/> <br/> Current approximate retirement portfolio: High 6 figures.<br/> Current Retirement assets Taxable 15% cash<br/> 7% TIAA CRE...
by in_reality
Wed Oct 11, 2017 11:18 pm
Forum: Investing - Help with Personal Investments
Topic: Advice on currency risk and investing [Greece ex-pat]
Replies: 5
Views: 389

Re: Advice on currency risk and investing [Greece ex-pat]

Thanks for the replies, they were really helpful! So here's what I've gathered so far given your suggestions: Fidelity would allow me to keep investing after I move out of the US and currently doesn't have any restrictions according to their representatives. Regarding the taxes, I've googled a bit ...
by in_reality
Wed Oct 11, 2017 5:41 am
Forum: Investing - Help with Personal Investments
Topic: Advice on currency risk and investing [Greece ex-pat]
Replies: 5
Views: 389

Re: Advice on currency risk and investing [Greece ex-pat]

Hi everyone, Hi and welcome. I am originally from Greece but currently living and working in the US and I would like to start investing. Given I am quite risk averse (having seen a couple of market crashes in my time) it has taken a long time and research to get to that decision but this forum help...
by in_reality
Tue Oct 10, 2017 10:47 am
Forum: Investing - Help with Personal Investments
Topic: Approximating total international fund (Difference between VSS and SCHC?)
Replies: 4
Views: 397

Re: Approximating total international fund (Difference between VSS and SCHC?)

#1 seems like a good strategy though I’d go for #2. Canada and Korea seem to be where differences are. Some international indexes exclude North America (so no Canada) and some include Korea as developed while others as emerging. That said anyway it turns out, #1 looks fine. Can’t look it up now myse...
by in_reality
Tue Oct 10, 2017 7:47 am
Forum: Investing - Help with Personal Investments
Topic: Anesthesiologist Advise [how to save money]
Replies: 45
Views: 5567

Re: Anesthesiologist Advise [how to save money]

I have looked into opening a Schwab investing account but I am pretty sure there is a $1000 minimum Minimum account opening requirement: $1,000 (waived with automatic $100 monthly deposits or by opening a Schwab Bank High Yield Investor Checking® account linked to your Schwab One® brokerage account)
by in_reality
Mon Oct 09, 2017 9:14 am
Forum: Investing - Help with Personal Investments
Topic: Investing as an expat
Replies: 2
Views: 268

Re: Investing as an expat

If I were you, I'd use Interactive Brokers and get Ireland or Luxembourg, or similar domiciled funds (to avoid US estate tax exposure). Be above the $100k (or EURO etc equivalent) minimum and there is not minimum commission. $10/month if it isn't. If I could only get one ETF, I'd go for VWRD (large ...
by in_reality
Mon Oct 09, 2017 7:02 am
Forum: Investing - Help with Personal Investments
Topic: Help! How do I Choose an International Strategy?
Replies: 13
Views: 1305

Re: Help! How do I Choose an International Strategy?

Just to be clear, regardless of whether or not APDKX is a "good" fund or not, this is how it has actually performed over its lifetime, a respectable 15 years. Blue is APDKX, orange is Morningstar's chosen benchmark index, and green is Vanguard Total International Stock Index Fund. Wow, that's reall...
by in_reality
Mon Oct 09, 2017 1:02 am
Forum: Investing - Help with Personal Investments
Topic: Help! How do I Choose an International Strategy?
Replies: 13
Views: 1305

Re: Help! How do I Choose an International Strategy?

I do not believe there is a minimum for the FTC. I think I claimed a $19 credit for 2016. When you have very large foreign-sourced income (relative to wage income i believe, but I'm fuzzy) there are complications but that's not applicable to most here. Ah, yeah that seems right. Foreign-sourced inc...
by in_reality
Mon Oct 09, 2017 12:45 am
Forum: Investing - Theory, News & General
Topic: Rebalancing developed & emerging allocations
Replies: 2
Views: 502

Re: Rebalancing developed & emerging allocations

I was looking at the Vanguard funds open to European investors in Spain and see that they don't have a "Total World" fund, but instead have separate funds for emerging and developed markets: "Emerging Markets Stock Index Fund" and "Global Stock Index Fund", so if you want to approximate a cap-weigh...
by in_reality
Sun Oct 08, 2017 9:14 pm
Forum: Investing - Help with Personal Investments
Topic: Help! How do I Choose an International Strategy?
Replies: 13
Views: 1305

Re: Help! How do I Choose an International Strategy?

I could try to save up some additional money on top of the tax-deferred accounts. Are you recommending keeping the smalls in the Roth IRA and opening a taxable account to house the international value? Will I regret TRIX in taxable? I think saving up some additional money is a great idea. That will...
by in_reality
Sun Oct 08, 2017 7:19 am
Forum: Investing - Theory, News & General
Topic: Vanguard's long-term outlook for TIPS
Replies: 92
Views: 7022

Re: Vanguard's long-term outlook for TIPS

TIPS make a ton of sense, especially for those in or near retirement. Inflation is a real risk that TIPS provide real immunization against. Don't know why anybody would bother following Vanguard's fixed income advice. Weren't they recommending an allocation to International Bonds when it was clear ...
by in_reality
Sat Oct 07, 2017 11:12 pm
Forum: Investing - Help with Personal Investments
Topic: Help! How do I Choose an International Strategy?
Replies: 13
Views: 1305

Re: Help! How do I Choose an International Strategy?

2. Abandon Ultimate Buy and Hold by changing all of 401k to Blackrock Lifepath and continuing to use my Roth IRA to tilt to US small value and Intl small. I can eventually pick up the international value factor once international small value funds become feasible. I think I'm okay with letting the ...
by in_reality
Fri Oct 06, 2017 11:50 pm
Forum: Investing - Theory, News & General
Topic: Research Affiliates: Starting Yields Matter To Future Returns
Replies: 6
Views: 877

Re: Research Affiliates: Starting Yields Matter To Future Returns

http://www.etf.com/sections/features-and-news/research-affiliates-starting-yields-matter-future-returns?nopaging=1 I came across this Research Affiliates article on etf.com. I think using historical average returns to make asset allocation decisions is a mistake. But I do believe historical standar...
by in_reality
Fri Oct 06, 2017 9:13 pm
Forum: Investing - Theory, News & General
Topic: VFIFX vs SWYMX
Replies: 2
Views: 337

Re: VFIFX vs SWYMX

Checking some of Schwab's other target-date funds, it appears that the Schwab funds will add more expensive options over time, while Vanguard's won't. Therefore, I have a slight preference for Vanguard, but either one looks like a great way to get started in an IRA. Schwab does use a money market f...
by in_reality
Fri Oct 06, 2017 9:09 am
Forum: Personal Finance (Not Investing)
Topic: Custodian dragging their feet with transfer
Replies: 10
Views: 731

Re: Custodian dragging their feet with transfer

I’m trying to transfer an investment account full of standard mutual funds to Schwab. The current custodian is dragging their feet, now at 45 days since transfer initiation. They are now ignoring Schwab’s requests for updates/info. I’m now trying to get info from them, but what else can be done in ...
by in_reality
Fri Oct 06, 2017 8:10 am
Forum: Investing - Theory, News & General
Topic: Research Affiliates: Starting Yields Matter To Future Returns
Replies: 6
Views: 877

Re: Research Affiliates: Starting Yields Matter To Future Returns

http://www.etf.com/sections/features-and-news/research-affiliates-starting-yields-matter-future-returns?nopaging=1 I came across this Research Affiliates article on etf.com. I think using historical average returns to make asset allocation decisions is a mistake. But I do believe historical standar...
by in_reality
Thu Oct 05, 2017 8:04 am
Forum: Investing - Theory, News & General
Topic: Why are international bond yields so low? Or put another way, why are US bond yields so high?
Replies: 6
Views: 526

Re: Why are international bond yields so low? Or put another way, why are US bond yields so high?

Isn't BNDX expected by Vanguard to return exactly the same as BND?

Vanguard says one should be indifferent to hedged international bonds as the hedge return will make them equivalent.

I don't think risk has as much to do with it as currency expectations do.
by in_reality
Thu Oct 05, 2017 3:23 am
Forum: Investing - Help with Personal Investments
Topic: Are you investing in Emerging Market small caps?
Replies: 25
Views: 1700

Re: Are you investing in Emerging Market small caps?

Lauretta, I would caution against what could be called "icing on the icing on the cake." That is to says... Emerging markets... but why not Emerging markets small-caps ? But why not Emerging markets small-cap value? ? But why not Emerging markets small-cap value with quality, profitability, momentu...
by in_reality
Wed Oct 04, 2017 2:41 am
Forum: Investing - Help with Personal Investments
Topic: A continuation of the discussion on the US market high valuation
Replies: 2
Views: 437

Re: A continuation of the discussion on the US market high valuation

3% real expected at today’s valuations and the market doesn’t need a drop to adjust closer back to average valuations. Just time and less than average returns.

Seems what many have been saying.
by in_reality
Mon Oct 02, 2017 6:58 am
Forum: Investing - Help with Personal Investments
Topic: Newbie-Schwab Intelligent Portfolios vs Vanguard PAS
Replies: 32
Views: 2267

Re: Newbie-Schwab Intelligent Portfolios vs Vanguard PAS

Do you think the higher cost fundamental portfolios lack a place in a well diversified portfolio? Or that they are unnecesssry in a well diversified one because market cap based broad indices perform berter with less risk? I use them by choice outside of SIP. If you are comparing robos, you should ...
by in_reality
Sun Oct 01, 2017 8:50 am
Forum: Investing - Help with Personal Investments
Topic: Newbie-Schwab Intelligent Portfolios vs Vanguard PAS
Replies: 32
Views: 2267

Re: Newbie-Schwab Intelligent Portfolios vs Vanguard PAS

I will try both. I much prefer to be fully invested with any cash at my discretion to invest when markets go down. I mean what is the point of the question, what will you do if markets drop 40%, if your answer is to buy more but they are the ones holding your cash and won’t let you do exactly that?...
by in_reality
Sat Sep 30, 2017 9:08 pm
Forum: Investing - Help with Personal Investments
Topic: Newbie-Schwab Intelligent Portfolios vs Vanguard PAS
Replies: 32
Views: 2267

Re: Newbie-Schwab Intelligent Portfolios vs Vanguard PAS

The Schwab service is free right? It would be my choice over Vanguard if you want a robo service at low cost. Free but they hold a minimum of 15% in cash. Which is to say, if you invest $100 you are only invested for $85 and giving them $15 to hold onto. $100,000 then 85k/15k They are hardly holdin...
by in_reality
Fri Sep 29, 2017 1:24 am
Forum: Investing - Help with Personal Investments
Topic: Newbie-Schwab Intelligent Portfolios vs Vanguard PAS
Replies: 32
Views: 2267

Re: Newbie-Schwab Intelligent Portfolios vs Vanguard PAS

I'm getting ready to close a Morgan Stanley account that has a rolled over 403B-$60,000, 2 custodial accounts, and index fund? I will definitely need some guidance... Who will be better?? Thank you Nobody here can answer that with certainty. All we can say is that costs can play a big role in what ...
by in_reality
Thu Sep 28, 2017 9:34 am
Forum: Investing - Theory, News & General
Topic: Guy proves that Buy The Dip strategy works (via backtests) any rebuttals?
Replies: 65
Views: 6482

Re: Guy proves that Buy The Dip strategy works (via backtests) any rebuttals?

I don't understand the analysis.

To buy on the dip, you need cash. Are they holding cash, selling treasuries or what?

They aren't just looking at the stock portion of their returns and ignoring the lowered returns from the cash/ fixed income part are they?
by in_reality
Thu Sep 28, 2017 2:37 am
Forum: Investing - Help with Personal Investments
Topic: Opening a Vanguard account as a foreigner with a U.S. address?
Replies: 9
Views: 1076

Re: Opening a Vanguard account as a foreigner with a U.S. address?

... They clearly have Non resident Alien status as a valid option in their form and they handle W-8BEN forms so there should be no problem in terms of tax purposes in future but I'm still wondering if I should do it! I am not sure why you would want to go to so much trouble to open an account direc...
by in_reality
Tue Sep 26, 2017 10:28 am
Forum: Investing - Help with Personal Investments
Topic: Vanguard charged me $140 in service fees
Replies: 31
Views: 5589

Re: Vanguard charged me $140 in service fees

Based on the very limited information provided by sawhorse, I'm not ready to toss Vanguard under the bus on this one. Often times these days people want to jump on social media or an online forum to plead their case before doing their homework to determine exactly what has happened (seek first to u...
by in_reality
Sat Sep 23, 2017 7:57 am
Forum: Investing - Help with Personal Investments
Topic: Head-scratcher -- does Vanguard ever mistakenly charge fees?
Replies: 10
Views: 1025

Re: Head-scratcher -- does Vanguard ever mistakenly charge fees?

$6.95 is nothing really, but I wouldn't call the system integrity of Vanguard inconsequential.

Maybe they accidentally charged you, or could you have mistakenly entered a buy of some non-Vanguard fund?

Please post back what you find out.
by in_reality
Fri Sep 22, 2017 9:35 pm
Forum: Investing - Theory, News & General
Topic: Vanguard: Please Offer a Gold ETF
Replies: 95
Views: 5134

Re: Vanguard: Please Offer a Gold ETF

As I mentioned, Ray Dalio thinks gold is an investment. That holds more weight than someone on a message board that doesn't use their real name. Schwab has iShares IAU in it's intelligent portfolios and tax loss harvests with ETFS Physical Precious Metal's GLTR because SPDR's GLD tracks the same as...
by in_reality
Thu Sep 21, 2017 10:47 pm
Forum: Investing - Help with Personal Investments
Topic: Approximating Total Stock Market With Schwab Funds
Replies: 6
Views: 478

Re: Approximating Total Stock Market With Schwab Funds

thanks. how did you figure out those percentages using the morningstar instant x-ray tool? Entered in SCHX 87.5% and SCHA 12.5% and compared the 9 box to Vanguard Total Market VTSAX (which I had entered in another tab). Then I saw the differences and adjusted the Schwab holdings until they were as ...
by in_reality
Thu Sep 21, 2017 9:20 pm
Forum: Investing - Help with Personal Investments
Topic: Approximating Total Stock Market With Schwab Funds
Replies: 6
Views: 478

Re: Approximating Total Stock Market With Schwab Funds

i have primarily two accounts; one at vanguard and one at schwab. with my account at vanguard i use vtsax (total stock) with a tilt to small cap (vsmax). I had a stock, which happen to be a small cap, in my schwab account that recently had a cash merger and want to take this cash and plug in some g...
by in_reality
Wed Sep 20, 2017 3:57 am
Forum: Investing - Help with Personal Investments
Topic: Vanguard for non-resident aliens
Replies: 22
Views: 1172

Re: Vanguard for non-resident aliens

So telling them you are a non-resident alien will confuse them. If you are a non-resident alien, that means you must be a resident someplace else and I would presume under their security laws. It does not as I have explained - one can have one's sole residence in the US and be a non-resident alien....
by in_reality
Wed Sep 20, 2017 3:05 am
Forum: Investing - Theory, News & General
Topic: Larry Swedroe: Vanguard Debunks Dividend Myth
Replies: 112
Views: 11908

Re: Larry Swedroe: Vanguard Debunks Dividend Myth

Ah, I didn't miss any then. Got it. Why am I not surprised by your response.hmmmmmm. Let me think........If only I had that magical wisdom that is beyond questioning.It must be nice. :D Ah, I didn't miss any then. Got it. Ok you two. Here is one study cited by Larry himself. It shows the high-divid...
by in_reality
Tue Sep 19, 2017 9:32 pm
Forum: Investing - Help with Personal Investments
Topic: € 20,000-portfolio-idea - reasonable or not?
Replies: 18
Views: 1563

Re: € 20,000-portfolio-idea - reasonable or not?

I thought, it's the fund currency, for if the USD- market price is X, and the EUR-market price is Y, and USD/EUR-rate changes, X/Y-rate changes. If you buy US stocks in a EUR denominated fund (such as Vanguard S&P 500 UCITS ETF (EUR) | VUSA), your currency exposure is USD. If the dollar strengthens...
by in_reality
Tue Sep 19, 2017 9:13 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard for non-resident aliens
Replies: 22
Views: 1172

Re: Vanguard for non-resident aliens

I have noticed in several dealings with US officialdom that the authorities are not themselves clear what their rules are and seem happy to tolerate even strictly contradictory definitions and policies even in cases where it's clear the rules have been in use for years or decades and plenty of peop...
by in_reality
Tue Sep 19, 2017 9:25 am
Forum: Investing - Theory, News & General
Topic: If the US dollar fails, are stocks safe?
Replies: 44
Views: 5783

Re: If the US dollar fails, are stocks safe?

Bitcoin, anyone? Would electricity will be flowing and the internet up and running? If a main pillar of the global economy crumbles, I'd expect fragmentation in current services. If the internet and bitcoin networks gets fragmented, wouldn't the it be easier for someone to organize a group of miner...
by in_reality
Tue Sep 19, 2017 8:25 am
Forum: Investing - Theory, News & General
Topic: If the US dollar fails, are stocks safe?
Replies: 44
Views: 5783

Re: If the US dollar fails, are stocks safe?

If the US dollar fails, am I safe?

Anyway, I will take my chances and pass on this opportunity to build and stock a remote bunker. If society goes, so do I.
by in_reality
Tue Sep 19, 2017 8:00 am
Forum: Investing - Help with Personal Investments
Topic: € 20,000-portfolio-idea - reasonable or not?
Replies: 18
Views: 1563

Re: € 20,000-portfolio-idea - reasonable or not?

In the end, I'd like to use two funds in the form of VT and BND + BNDX, or total world bonds, including the U.S., but with EUR as the fund currency. BND + BNDX = 100% USD exposure. The only thing BNDX offers is a different time line for rate rises and differing credit profile. It is 100% USD exposu...
by in_reality
Mon Sep 18, 2017 7:49 am
Forum: Investing - Help with Personal Investments
Topic: Making my own Total US stock market fund.
Replies: 20
Views: 1765

Re: Making my own Total US stock market fund.

I believe the correct percentages are approximately (someone more knowledgeable will correct me at that point, or point me to the wiki?): 80% S&P 500 15% Mid Cap 5% Small Cap However 75/15/10 would also work. 81% Vanguard 500 Index Fund (VFINX) 4% Vanguard Mid-Cap Index Fund (VIMSX) 15% Vanguard Sm...
by in_reality
Mon Sep 18, 2017 6:56 am
Forum: Investing - Theory, News & General
Topic: Why can US citizen expats not invest w/Vanguard?
Replies: 69
Views: 36104

Re: Why can US citizen expats not invest w/Vanguard?

cherijoh wrote:
Mon Sep 18, 2017 6:27 am
ExpatInAsia wrote:
Thu Feb 14, 2013 3:01 am
That post was 4+ years ago. jimmyli's was recent.
by in_reality
Mon Sep 18, 2017 5:59 am
Forum: Investing - Theory, News & General
Topic: Why can US citizen expats not invest w/Vanguard?
Replies: 69
Views: 36104

Re: Why can US citizen expats not invest w/Vanguard?

I'm a US Citizen living and working in China, so am very grateful for the discussion going on here. Most of the discussion focuses on having a US address in order to open an account with Vanguard. I have a permanent address in the US, so this is not an issue for me. However, the Vanguard registrati...
by in_reality
Mon Sep 18, 2017 2:43 am
Forum: Investing - Help with Personal Investments
Topic: Military: Investing a Windfall in Expensive Market?
Replies: 16
Views: 2039

Re: Military: Investing a Windfall in Expensive Market?

I'd never sell investments based on market timing, but I'm not a huge fan of the idea that I'm buying high. Perhaps I just need to be more faithful to Boglehead doctrine. Most forecasts have positive real returns for US equities despite their valuations. An option would be to invest internationally...
by in_reality
Mon Sep 18, 2017 12:51 am
Forum: Investing - Help with Personal Investments
Topic: Daughter with Autism and Spouse Almost 13 Years Younger
Replies: 45
Views: 6248

Re: Daughter with Autism and Spouse Almost 13 Years Younger

I am not familiar with the hedging concept you referenced regarding international bonds so I am adding that to my quickly growing list of things to learn more about. Here's a short summary from Vanguard. https://vanguardblog.com/2015/05/08/why-all-the-negativity/ What I question is the term premium...