Search found 4336 matches

by in_reality
Tue Jan 16, 2018 10:27 am
Forum: Investing - Help with Personal Investments
Topic: ThomasPartners Dividend Growth Question.
Replies: 14
Views: 1460

Re: ThomasPartners Dividend Growth Question.

At this point my advisor and I are just about a week away from our next telephone consultation. In the meantime, I have communicated by email that I was opposed to paying .90% (assuming this is in addition to their expense ratio), and that there were other funds with much lower costs, citing two in...
by in_reality
Mon Jan 15, 2018 2:47 am
Forum: Investing - Theory, News & General
Topic: International Small-cap Value Funds ??
Replies: 40
Views: 3252

Re: International Small-cap Value Funds ??

Note: SFILX is the mutual fund version of FNDC. FNDC will be more tax efficient as SFILX will issue yearly capital gains Looking at the funds mentioned so far, I see no reason to switch from FNDC for me. Feb 2008 - Dec 2017 CAGR (life of SFILX) VINEX 13.78% <--Vanguard International Explorer Inv SFI...
by in_reality
Sun Jan 14, 2018 6:39 am
Forum: Investing - Help with Personal Investments
Topic: Large Lump Sum and in my 30's .. How to invest in Ireland?
Replies: 12
Views: 1373

Re: Large Lump Sum and in my 30's .. How to invest in Ireland?

- invest after the next contraction/recession Instead of waiting for the next market crash, I would divide the sum you want to invest into 2-5 slices of the same amount and put them into the market in 2-5 years. A sort of DCA. Or lump sum into international now and DCA into US. But you'd have to us...
by in_reality
Sun Jan 14, 2018 5:33 am
Forum: Investing - Help with Personal Investments
Topic: Large Lump Sum and in my 30's .. How to invest in Ireland?
Replies: 12
Views: 1373

Re: Large Lump Sum and in my 30's .. How to invest in Ireland?

My family left Ireland generations before my being born so obviously I know nothing about the current estate tax treaty, but it appears to me that you will be liable for inheritance tax on amounts over the $60,000 NRA exclusion. ... Well, you may be right. Thanks for digging around further. ... So....
by in_reality
Sun Jan 14, 2018 2:51 am
Forum: Investing - Help with Personal Investments
Topic: Treat offsite EUR cash as bond portion, or transfer to US?
Replies: 2
Views: 229

Re: Treat offsite EUR cash as bond portion, or transfer to US?

I am German citizen living in the US (resident alien), and I have about 145k€ ($175k) in a German checking account that I cannot really invest properly due to US laws (= no mutual funds or ETFs due to PFIC). Because of that, I am a bit lost as to what to do with it, and I was hoping you all have so...
by in_reality
Sat Jan 13, 2018 10:40 pm
Forum: Investing - Help with Personal Investments
Topic: Large Lump Sum and in my 30's .. How to invest in Ireland?
Replies: 12
Views: 1373

Re: Large Lump Sum and in my 30's .. How to invest in Ireland?

And just a little more about my concern that you'd be liable to both the US (tax on estate) and Ireland (tax to beneficiary)... Irish Tax and Customs state: Ireland can only tax property that is located abroad if the person giving the inheritance is domiciled in Ireland, or is not resident in the US...
by in_reality
Sat Jan 13, 2018 10:23 pm
Forum: Investing - Help with Personal Investments
Topic: Large Lump Sum and in my 30's .. How to invest in Ireland?
Replies: 12
Views: 1373

Re: Large Lump Sum and in my 30's .. How to invest in Ireland?

- Degiro account will be based in the Netherlands, so will not have to pay US Estate Tax Just to be clear, using a non-US broker does not in itself provide much protection from US estate tax, if any. What should, in your case, is the US/Ireland estate tax treaty. Note however that protection starts...
by in_reality
Sat Jan 13, 2018 8:34 pm
Forum: Investing - Help with Personal Investments
Topic: Schwab help - mutual fund vs ETF vs ThomasPartners Balanced Income - overwhelmed!
Replies: 18
Views: 843

Re: Schwab help - mutual fund vs ETF vs ThomasPartners Balanced Income - overwhelmed!

The "need" would be emerging markets stocks (including South Korea, and then also the developed market of Canada) as mentioned before. That international index fund covers EAFE. Now if you don't want EM that's fine. I don't disagree. However, I consider Schwab's lineup adequate for people who want ...
by in_reality
Sat Jan 13, 2018 8:08 pm
Forum: Investing - Help with Personal Investments
Topic: 21 Year Old Portfolio
Replies: 9
Views: 944

Re: 21 Year Old Portfolio

I think you can manage bettor for costs. For example, the cheapest fund in your Nationwide 457 is the S&P 500 (GRMSX) (0.60%). Why not put all your S&P 500 holdings there? As far as the 457, isn't GRMSX the only S&P I hold? the others are small cap, mid cap, world growth and emerging markets. Doing...
by in_reality
Sat Jan 13, 2018 9:08 am
Forum: Investing - Theory, News & General
Topic: It's trivial to outperform Vanguard Total Bond Index for 2018 with same risk!
Replies: 27
Views: 5277

Re: It's trivial to outperform Vanguard Total Bond Index for 2018 with same risk!

I thought you all would like to see how to outperform the Vanguard Total Bond Index Fund for 2018 with basically the same risk and absolutely Guaranteed! Morningstar.com reports that VBTLX now has a YTD return of -0.46%. So all you have to do is buy VBTLX on Tuesday and you will by definition (guar...
by in_reality
Sat Jan 13, 2018 9:03 am
Forum: Investing - Theory, News & General
Topic: Is holding bonds now dangerous?
Replies: 162
Views: 16960

Re: Is holding bonds now dangerous?

We have 50% Fixed income (wife’s insistence). I try to cope mentally by noting: 1) much of it is over the long term inflation average (CDs) 2) the Fed (and other central banks) is much more cognizant of inflation now than the 70s/80s。 3) demographic trends of the industrialized world seem to be a re...
by in_reality
Sat Jan 13, 2018 3:18 am
Forum: Investing - Help with Personal Investments
Topic: VBTLX versus NUVEEN managed Muni Bonds
Replies: 6
Views: 578

Re: VBTLX versus NUVEEN managed Muni Bonds

It is our due diligence requirement to make an informed decision. I read a Nuveen prospectus while researching muni funds. Scariest thing I've ever read. Was that a leveraged CEF? What was so scary? Yeah I mean you have to know the leverage influenced duration and be prepared for NAV fluctuation, a...
by in_reality
Sat Jan 13, 2018 1:00 am
Forum: Investing - Help with Personal Investments
Topic: 21 Year Old Portfolio
Replies: 9
Views: 944

Re: 21 Year Old Portfolio

Hi all, First post here. :happy :) I've been reading this forum regularly for around a year now. (So glad I found it.) I've made some moves recently to hopefully put myself in a position where the future will be good to me. I have been working for many years even though I am young, and saving money...
by in_reality
Sat Jan 13, 2018 12:24 am
Forum: Investing - Help with Personal Investments
Topic: VBTLX versus NUVEEN managed Muni Bonds
Replies: 6
Views: 578

Re: VBTLX versus NUVEEN managed Muni Bonds

What are your costs for NUVEEN? What is your tax bracket and cost of holding taxable bonds? Are you using any NUVEEN features such as selecting a laddered portfolio or limiting duration or selecting credit risk? Have they been doing tax loss harvesting? Do you or would you want to donate individual ...
by in_reality
Fri Jan 12, 2018 11:42 pm
Forum: Investing - Help with Personal Investments
Topic: Schwab help - mutual fund vs ETF vs ThomasPartners Balanced Income - overwhelmed!
Replies: 18
Views: 843

Re: Schwab help - mutual fund vs ETF vs ThomasPartners Balanced Income - overwhelmed!

Thank you all for the very helpful insight! I think I'll dig into the ETFs further. in_reality, if you have best practices I should be cognizant of, I'm all ears. Thanks again all! Generally, many here use a marketable limit order (i.e. a limit order which accepts the current bid [price a buyer is ...
by in_reality
Fri Jan 12, 2018 5:05 pm
Forum: Investing - Help with Personal Investments
Topic: Schwab help - mutual fund vs ETF vs ThomasPartners Balanced Income - overwhelmed!
Replies: 18
Views: 843

Re: Schwab help - mutual fund vs ETF vs ThomasPartners Balanced Income - overwhelmed!

Hi and welcome, I wouldn't go with ThomasPartners myself. It's dividend growth and over time net of fees has done about the same as the S&P 500 -- ok a little less recently but that's not surprising since it's been a large growth boom period. In any case, I'd think they'd have trouble earning back t...
by in_reality
Thu Jan 11, 2018 8:14 pm
Forum: Personal Finance (Not Investing)
Topic: Brokered CDs - often better return secondary market
Replies: 38
Views: 4004

Re: Brokered CDs - often better return secondary market

yeah, it's gone, always interested in what forum members are buying (not a lot of us on this forum)...2 year is about as far out as i'll go as i hold until maturity... thx jim I've been buying mainly in the 17-25 month range since mid-December, but have gone out as far as four years (1.975%, which ...
by in_reality
Thu Jan 11, 2018 7:08 am
Forum: Investing - Help with Personal Investments
Topic: Portfolio rebalancing - different currencies
Replies: 11
Views: 535

Re: Portfolio rebalancing - different currencies

@in_reality , I think the issue here is that OP is uncertain as to whether future expenses are in ILS/USD and in what proportion, hence trying to reconcile looking at it both ways. Sure, I understand the dilemma of what to set the AA at not knowing what future expenses will be spent in. But I would...
by in_reality
Thu Jan 11, 2018 5:28 am
Forum: Investing - Help with Personal Investments
Topic: Portfolio rebalancing - different currencies
Replies: 11
Views: 535

Re: Portfolio rebalancing - different currencies

And that is exactly my predicament - In shekels, VTI is stuck at 15 per cent of the total portfolio, even though it's gone up 20 per cent since I last rebalanced, and had the dollar stayed put, I'd be rebalancing now. Why is that a predicament? Isn't that the norm? Every US based investor who owns ...
by in_reality
Thu Jan 11, 2018 4:48 am
Forum: Personal Finance (Not Investing)
Topic: Forget Customer Service--Vanguard has lousy Computers
Replies: 22
Views: 3111

Re: Forget Customer Service--Vanguard has lousy Computers

Reminds me of this: A common mistake that people make when trying to design something completely foolproof is to underestimate the ingenuity of complete fools. (attributed to Doug Adams) No offense intended, it's just some things aren't foolproof, no matter how hard designers might try. Broken Man ...
by in_reality
Wed Jan 10, 2018 7:06 am
Forum: Personal Finance (Not Investing)
Topic: Foreign Earned Income Exclusion - avoiding interest/penalties
Replies: 8
Views: 307

Re: Foreign Earned Income Exclusion - avoiding interest/penalties

So until you are audited and it passes, or a court rules in your favor, or the audit period is up; it seems to me like the tax and penalties from FEIE denial are a liability on the books. Doesn’t the IRS make a determination when you file the 2555? Do they? Because it's an exemption? If they do, th...
by in_reality
Wed Jan 10, 2018 6:33 am
Forum: Personal Finance (Not Investing)
Topic: Foreign Earned Income Exclusion - avoiding interest/penalties
Replies: 8
Views: 307

Re: Foreign Earned Income Exclusion - avoiding interest/penalties

I have read that if you file for the FEIE, and it is denied, you'll owe not only the tax but also interest and penalties. Is it possible to file a return and NOT claim the exemption (having paid tax all year), but still file form 2555 or 2555EZ, and then only if and when it is allowed, to file an a...
by in_reality
Wed Jan 10, 2018 6:14 am
Forum: Personal Finance (Not Investing)
Topic: Foreign Earned Income Exclusion - avoiding interest/penalties
Replies: 8
Views: 307

Re: Foreign Earned Income Exclusion - avoiding interest/penalties

I have read that if you file for the FEIE, and it is denied, you'll owe not only the tax but also interest and penalties. Is it possible to file a return and NOT claim the exemption (having paid tax all year), but still file form 2555 or 2555EZ, and then only if and when it is allowed, to file an a...
by in_reality
Wed Jan 10, 2018 6:10 am
Forum: Personal Finance (Not Investing)
Topic: Foreign Earned Income Exclusion - avoiding interest/penalties
Replies: 8
Views: 307

Re: Foreign Earned Income Exclusion - avoiding interest/penalties

I have read that if you file for the FEIE, and it is denied, you'll owe not only the tax but also interest and penalties. Is it possible to file a return and NOT claim the exemption (having paid tax all year), but still file form 2555 or 2555EZ, Sure you could do that. Are you really having US dedu...
by in_reality
Tue Jan 09, 2018 8:17 pm
Forum: Investing - Help with Personal Investments
Topic: GBP vs USD for Non US citizens
Replies: 6
Views: 593

Re: GBP vs USD for Non US citizens

Sorry to bring this up again I want to change my broker from Standard Chartered to Interactive brokers, to the new inclusion of a minimum price. I will need to sell my stock, transfer the cash and buy new stock again So I take it that there is no difference if I buy stock in US dollars or British P...
by in_reality
Tue Jan 09, 2018 1:22 am
Forum: Investing - Help with Personal Investments
Topic: Schwab Bond Funds for Rebalancing
Replies: 6
Views: 496

Re: Schwab Bond Funds for Rebalancing

If you think the broad index is not risky enough and want some more corporate and other exposure looking for yield, and maybe aren't set on an exact ratio, you can look at WisdomTree Barclays Yield Enhanced U.S. Aggregate Bond Fund (AGGY, ER = 0.12%), which is about 50% corporate at the moment. Tha...
by in_reality
Tue Jan 09, 2018 1:13 am
Forum: Personal Finance (Not Investing)
Topic: When the rubber hits the road [Progressive Dementia thread with merged updates]
Replies: 106
Views: 7877

Re: The reality hits - my dementia update

Great post.

It's actionable for me in the sense that I have a view of what to expect and what some possibilities are (using an advisor).

Am hoping you keep updating periodically.

What happened with the Hawaii purchase?
by in_reality
Mon Jan 08, 2018 2:29 am
Forum: Investing - Theory, News & General
Topic: Larry Swedroe: Patience And Diversification Crucial
Replies: 51
Views: 6148

UA

It leads me wonder if multi-factor funds aren't rather like active managed ones in that some will outperform in a particular environment during a particular time, but it's difficult to choose them in advance. The problem of course is the varying factor exposures of these new multi-factor funds. One...
by in_reality
Sun Jan 07, 2018 10:02 pm
Forum: Investing - Theory, News & General
Topic: Larry Swedroe: Patience And Diversification Crucial
Replies: 51
Views: 6148

Re: Larry Swedroe: Patience And Diversification Crucial

In reality, Not sure what point your data makes. We need to look at whole portfolios not individual funds. Moreover the last few years have been a short period dominated by large growth. I see a benefit in looking at actual returns instead of assuming real funds will mirror hypothetical academic re...
by in_reality
Sun Jan 07, 2018 9:02 pm
Forum: Investing - Theory, News & General
Topic: Larry Swedroe: Patience And Diversification Crucial
Replies: 51
Views: 6148

Re: Larry Swedroe: Patience And Diversification Crucial

The market write large contains all the risk factors in a way but they cancel each other out. What we are trying to do is own the factors that are distinct, have positive expected returns and get the benefit of diversifying across them. Why would you want to own risk factors with negative expected ...
by in_reality
Sun Jan 07, 2018 5:27 pm
Forum: Investing - Help with Personal Investments
Topic: Should I invest all right now? (1.4M, 34 yrs)
Replies: 22
Views: 3740

Re: Should I invest all right now? (1.4M, 34 yrs)

Hello, I'm 34 yrs and only put 0.1M in stock and manage rest of 1.3M by bond for many years. So far total return is about 3% annually. There haven't any loss but not much return. Even at current high valuations, US stocks are expected to return about 3.5% real aren't they? If valuations revert, you...
by in_reality
Sun Jan 07, 2018 4:04 am
Forum: Investing - Help with Personal Investments
Topic: Global nomad advice/newbie alert
Replies: 24
Views: 2322

Re: Global nomad advice/newbie alert

Good points. You're right, as my wife is a US citizen, she is supposed to report her foreign income to the IRS, however the threshold for paying tax on this income is quite high (around $100,000) and as far as I am aware, if you owe nothing, they can't pursue it. I will tell her to start filing, bu...
by in_reality
Sun Jan 07, 2018 1:59 am
Forum: Investing - Theory, News & General
Topic: Morningstar Premium for $99
Replies: 33
Views: 2710

Re: Morningstar Premium for $99

You can use Xray and Chart any fund for free, what do you get beyond that? That's all I ever really needed. I was always curious what else there is, but never signed up for a free trial. I did the trial recently. You can get that xray stuff for a specific fund for free but premium let's you do it a...
by in_reality
Sat Jan 06, 2018 7:21 pm
Forum: Investing - Help with Personal Investments
Topic: Do we have too much in bonds?
Replies: 25
Views: 2572

Re: Do we have too much in bonds?

I tend to be conservative, am I being too conservative with an AA 45/55 in your estimation? I am thinking I am about right at this point in my life. I think you are well positioned for anything. Inflation is said to be poised to reemerge in 2018 as the global economy syncs to growth. And the US mar...
by in_reality
Fri Jan 05, 2018 9:29 pm
Forum: Investing - Help with Personal Investments
Topic: Schwab - help with cost basis (taxable)
Replies: 6
Views: 375

Re: Schwab - help with cost basis (taxable)

Again, specified lots can not be the default method. That is why it's not available in the PDF. You can call Schwab to confirm, but I think changing your default to Tax Lot Optimizer (or anything else actually - it just can't be average cost) on the pdf will then let you see Specified Lot as an opt...
by in_reality
Fri Jan 05, 2018 9:06 pm
Forum: Investing - Help with Personal Investments
Topic: Schwab - help with cost basis (taxable)
Replies: 6
Views: 375

Re: Schwab - help with cost basis (taxable)

It states: Specified Lot(s) Allows you to specify which lots are sold at the time of trade up until settlement date. Specified Lot is not a default Cost Basis Method and is not available if you are using the Average Cost method or for positions opened that day. When you choose Specified Lot(s), you...
by in_reality
Fri Jan 05, 2018 9:01 pm
Forum: Forum Issues and Administration
Topic: Misuse of adverse when averse was meant
Replies: 145
Views: 5694

Re: Misuse of adverse when averse was meant

I particularly dislike misuse of "few" vs "a few" because the meaning changes. One is positive while the other negative. There are few reasons to use junk bonds. (negative connotation and means there isn't really a good case for the use of them) There are a few reasons to use junk bonds. (positive c...
by in_reality
Fri Jan 05, 2018 7:55 pm
Forum: Investing - Help with Personal Investments
Topic: Schwab - help with cost basis (taxable)
Replies: 6
Views: 375

Re: Schwab - help with cost basis (taxable)

Hi, I always get the specified lot option when selling ETFs and I change the cost basis for that order. Anyway, once your are logged in, there is an explanation under Guidance --> Taxes --> Cost Basis Reporting. It states: Specified Lot(s) Allows you to specify which lots are sold at the time of tra...
by in_reality
Thu Jan 04, 2018 8:25 pm
Forum: Investing - Help with Personal Investments
Topic: Account Management [1-time fee vs. ongoing AUM fees]
Replies: 7
Views: 382

Re: Account Management [1-time fee vs. ongoing AUM fees]

The intent was to get out of the low interest rates of the CD's, and invest with a slightly higher risk, for faster growth. I see four choices: 1) move CD cash on maturity to stocks -- obviously increases risk 2) move CD cash on maturity to longer duration CD's -- obviously increases rate/inflation...
by in_reality
Thu Dec 28, 2017 11:34 pm
Forum: Investing - Help with Personal Investments
Topic: 529 Plan with Small Cap Value?
Replies: 3
Views: 217

Re: 529 Plan with Small Cap Value?

Is anyone aware of a 529 plan which has a small cap value fund? Currently, I have a Vanguard Plan but it has no SCV. Thanks Utah offers DFA U.S. Small-Cap Value and other DFA funds. It's 0.20% for admin and 0.0%-0.395% for ERs. Think DFA small comes in at 0.520% and you can't have more than a 25% a...
by in_reality
Tue Dec 26, 2017 8:01 pm
Forum: Personal Finance (Not Investing)
Topic: CA taxes one resident one non
Replies: 1
Views: 292

CA taxes one resident one non

If a couple files joint federally, but one isn’t a CA resident, does the non-Ca resident still have to file in CA.

Would it make sense to file separately for federal too?
by in_reality
Tue Dec 26, 2017 5:59 am
Forum: Investing - Help with Personal Investments
Topic: No withholding tax with Interactive Brokers
Replies: 19
Views: 1527

Re: No withholding tax with Interactive Brokers

I hold Vanguard All-World ETF, which is domiciled in Ireland. ...I most certainly don't want to illegaly evade tax. If IB have acted incorrectly and I have no risk I will keep quiet. If I have some risk I will report it. IB have acted correctly. You have no need to file any US tax returns, no (furt...
by in_reality
Mon Dec 25, 2017 1:08 pm
Forum: Investing - Theory, News & General
Topic: What ever happened to the Larry portfolio?
Replies: 114
Views: 10448

Re: What ever happened to the Larry portfolio?

My sense is that the LP was one portfolio developed for a specific reason. There are also other portfolios Larry and his firm recommend based on a persons willingness, ability and need to take risk. Overall Larry reflected the consensus of what the research establishment has found. So you’re not ar...
by in_reality
Mon Dec 25, 2017 12:55 am
Forum: Personal Consumer Issues
Topic: Expedia Booking Problems ...
Replies: 11
Views: 927

Re: Expedia Booking Problems ...

I know a lot about the travel booking industry, as I used to work in it. I am very familiar with this issue, it's very common. What happens is, Expedia gets their hotel inventory from a large pool of suppliers. They cache the prices from those suppliers, and those prices are what they display to yo...
by in_reality
Thu Dec 21, 2017 4:25 pm
Forum: Investing - Theory, News & General
Topic: Charles Schwab Experiences?
Replies: 89
Views: 12063

Re: Charles Schwab Experiences?

Yes, it pays interest at the average money market rate which is published somewhere.
by in_reality
Thu Dec 21, 2017 3:55 am
Forum: Investing - Theory, News & General
Topic: Comparing Schwab Mutual Funds & ETFs
Replies: 12
Views: 1383

Re: Comparing Schwab Mutual Funds & ETFs

In the process of re allocating my SCHE and SCHF ETFs from my IRA to my Schwab One account, I was trying to get a handle on what amount of foreign tax credit to expect. Have had two Schwab reps state that these funds have produced a minimum FTC due to their structure in contrast to similar index fu...
by in_reality
Tue Dec 19, 2017 8:23 pm
Forum: Personal Consumer Issues
Topic: Apple 2FA is saving DEVICE passwords in the cloud
Replies: 21
Views: 2536

Re: Apple 2FA is saving DEVICE passwords in the cloud

It's probably storing a hash of your password and then running your submitted password through the same hash and comparing. In theory no way for them to figure out what your password actually is, just that you know what it is. If someone stole the hash it still wouldn't tell them the password. yeah...
by in_reality
Tue Dec 19, 2017 8:44 am
Forum: Investing - Help with Personal Investments
Topic: No withholding tax with Interactive Brokers
Replies: 19
Views: 1527

Re: No withholding tax with Interactive Brokers

Why isn't it better to hold Ireland domiciled stocks? As a non-Ireland resident, wouldn't the only tax drag be the ~15% US withholding on US stocks? Exactly. The OP hasn't stated what they actually hold with IB. Perhaps as msk speculates, they already own Ireland or other non-US domiciled ETFs. Whi...
by in_reality
Tue Dec 19, 2017 8:33 am
Forum: Investing - Help with Personal Investments
Topic: No withholding tax with Interactive Brokers
Replies: 19
Views: 1527

Re: No withholding tax with Interactive Brokers

[*]Has IB acted incorrectly here? (maybe -- certainly unexpectedly) On second review, I think yes they have. The document describing their obligations, Publication 515 (2017), Withholding of Tax on Nonresident Aliens and Foreign Entities, states: Foreign Persons Rules relevant to chapters 3 and 4. ...
by in_reality
Tue Dec 19, 2017 8:11 am
Forum: Investing - Help with Personal Investments
Topic: No withholding tax with Interactive Brokers
Replies: 19
Views: 1527

Re: No withholding tax with Interactive Brokers

If the investment income is less than the personal exemption amount, there won't be tax liability anyway, so even a withholding of zero would satisfy matters and no filing would be required... Unfortunately not. Investment income for NRAs is not ' effectively connected ' with a US trade or business...