Search found 54754 matches

by livesoft
Fri Jun 23, 2017 8:52 pm
Forum: Investing - Theory, News & General
Topic: Anyone have a habit of checking the market all day?
Replies: 21
Views: 600

Re: Anyone have a habit of checking the market all day?

What? You don't like my spin on Fake News? I thought it was just as valid as any other fake news. :)
by livesoft
Fri Jun 23, 2017 8:02 pm
Forum: Personal Consumer Issues
Topic: Where to put a vegie garden
Replies: 4
Views: 278

Re: Where to put a vegie garden

I'd think an important feature would be sunlight and its direction and what obstructs it.
by livesoft
Fri Jun 23, 2017 7:43 pm
Forum: Investing - Theory, News & General
Topic: Anyone have a habit of checking the market all day?
Replies: 21
Views: 600

Re: Anyone have a habit of checking the market all day?

DomDangelina wrote:There was some article recently about those whose portfolios did best; they had literally forgotten about their portfolios!

No, the article was their advisor had died.
by livesoft
Fri Jun 23, 2017 7:04 pm
Forum: Investing - Help with Personal Investments
Topic: Boglehead Challenge -- Help me "win the game".
Replies: 24
Views: 1591

Re: Boglehead Challenge -- Help me "win the game".

I see your point regarding buying low. I guess the question is whether you have the discipline to rebalance, but that is true regardless of what is going on in the market when you need to sell. Ah, discipline! What would you do if your bond funds dropped 4% in the past 3 months, then your equities ...
by livesoft
Fri Jun 23, 2017 6:08 pm
Forum: Investing - Help with Personal Investments
Topic: Boglehead Challenge -- Help me "win the game".
Replies: 24
Views: 1591

Re: Boglehead Challenge -- Help me "win the game".

But if you continue the same strategy of withdrawing from taxable first, then you are selling stocks "low." If you keep some cash/short-term bonds in taxable, you can avoid that. So what if you sell stocks low in taxable as long as you also buy them low in tax-advantaged. This is describe...
by livesoft
Fri Jun 23, 2017 6:01 pm
Forum: Investing - Theory, News & General
Topic: Anyone have a habit of checking the market all day?
Replies: 21
Views: 600

Re: Anyone have a habit of checking the market all day?

I check the markets much, much less than I check bogleheads.org.
by livesoft
Fri Jun 23, 2017 12:44 pm
Forum: Investing - Help with Personal Investments
Topic: Boglehead Challenge -- Help me "win the game".
Replies: 24
Views: 1591

Re: Boglehead Challenge -- Help me "win the game".

This is one of the concerns that I am having difficulty wrapping my mind around. Traditional portfolio construction would suggest most if not all of my equity allotment in this scenario to the taxable brokerage account due to tax efficiency. But then relatively soon appears the need to draw down mu...
by livesoft
Fri Jun 23, 2017 12:12 pm
Forum: Investing - Help with Personal Investments
Topic: Northwestern Mutual High Fees to Vanguard
Replies: 24
Views: 1013

Re: Northwestern Mutual High Fees to Vanguard

We don't know how VPAS presented this to the OP.
by livesoft
Fri Jun 23, 2017 11:55 am
Forum: Investing - Help with Personal Investments
Topic: Northwestern Mutual High Fees to Vanguard
Replies: 24
Views: 1013

Re: Northwestern Mutual High Fees to Vanguard

Folks, this is NOT the first time that we have seen a Vanguard PAS portfolio of 3 funds to cover all the asset classes presented this way. It is amusing that several posters have not noticed that Vanguard Total Stock Market Index fund is used for large caps, mid caps, AND small caps by stating the p...
by livesoft
Fri Jun 23, 2017 11:01 am
Forum: Personal Finance (Not Investing)
Topic: Child's Investments' impact on Financial Aid
Replies: 5
Views: 267

Re: Child's Investments' impact on Financial Aid

How a child's (or grandchild's) account is clearly described on the FAFSA. Our experience is that money that the student has is money to be spent for college, so it definitely does affect financial aid that might be awarded. And why shouldn't it? Many schools do not need to follow the federal formul...
by livesoft
Fri Jun 23, 2017 9:44 am
Forum: Investing - Help with Personal Investments
Topic: Northwestern Mutual High Fees to Vanguard
Replies: 24
Views: 1013

Re: Northwestern Mutual High Fees to Vanguard

With $25K in the taxable and an unknown in the Roth, I am not even sure OP has enough that Vanguard would accept them to PAS anyways. Although, some of the ETFs in the existing portfolio are keepers, the amounts appear to be so low that the tax consequences of getting rid of them would be less than ...
by livesoft
Fri Jun 23, 2017 9:15 am
Forum: Investing - Help with Personal Investments
Topic: Boglehead Challenge -- Help me "win the game".
Replies: 24
Views: 1591

Re: Boglehead Challenge -- Help me "win the game".

Although you do not have children, these two threads should be of help wrt taxes:

Families with $200,000: viewtopic.php?t=79510
Retirees with 6-figure expenses: viewtopic.php?t=87471
by livesoft
Fri Jun 23, 2017 6:33 am
Forum: Personal Consumer Issues
Topic: Bogleheads: Please help me pick a new car
Replies: 55
Views: 2524

Re: Bogleheads: Please help me pick a new car

[...] I believe it meets all of my requirements (AWD, brake assist, etc.). 29,000 miles. It is priced at $33K, which is $1,789 below market price, according to cargurus.com. The warranty would run through 2021, unlimited miles. the dealer has already reduced the price by $4,200. [...] I find it har...
by livesoft
Thu Jun 22, 2017 10:25 pm
Forum: Personal Consumer Issues
Topic: Bogleheads: Please help me pick a new car
Replies: 55
Views: 2524

Re: Bogleheads: Please help me pick a new car

My son pointed out a Nissan GT-R to me today in the H.E.B. parking lot. It was near a BMW i8.
by livesoft
Thu Jun 22, 2017 10:21 pm
Forum: Investing - Help with Personal Investments
Topic: Northwestern Mutual High Fees to Vanguard
Replies: 24
Views: 1013

Re: Northwestern Mutual High Fees to Vanguard

Finance-MD wrote:you could get basically the same thing with
55% US Total Stock Market
35% Total International Stock Market
10% Total bond.

Ha! Ha! Did you read it? :)
by livesoft
Thu Jun 22, 2017 10:05 pm
Forum: Investing - Help with Personal Investments
Topic: Northwestern Mutual High Fees to Vanguard
Replies: 24
Views: 1013

Re: Northwestern Mutual High Fees to Vanguard

David Jay wrote:Welcome to the forum!
Speedy186 wrote:Questions:
1. How does this Vanguard portfolio look?


1. Completely reasonable, a few highly diversified funds instead of a bunch of narrowly tailored funds.

Please look again since the presentation showed only 3 funds in total and zero "narrowly tailored funds."
by livesoft
Thu Jun 22, 2017 8:58 pm
Forum: Personal Consumer Issues
Topic: Bogleheads: Please help me pick a new car
Replies: 55
Views: 2524

Re: Bogleheads: Please help me pick a new car

CPO Lexus RX350's are a dime a dozen in our area, so the savings are much much better than 10%. They are nice beater cars though. It is not unusual to see 5 of them at a 4-way-stop intersection. You should be able to get one at an OTD price of $30K or less. Even a more expensive sedan like a Lexus L...
by livesoft
Thu Jun 22, 2017 8:54 pm
Forum: Investing - Help with Personal Investments
Topic: TIAA Traditional or G Fund
Replies: 10
Views: 418

Re: TIAA Traditional or G Fund

Sorry, I should have mentioned that this rollover is considerably more than we need per year to supplement expenses. Plan is to start converting the surplus to a ROTH or withdraw from the IRA to taxable funds used for emergencies and play money in the future. Trying to avoid the social security tax...
by livesoft
Thu Jun 22, 2017 8:02 pm
Forum: Investing - Help with Personal Investments
Topic: TIAA Traditional or G Fund
Replies: 10
Views: 418

Re: TIAA Traditional or G Fund

That makes no sense at all to me. Only take money out when you need to spend it. The Ally CDs pay less than what you are getting and are less liquid. So leave the money alone until the month you need to spend it, then withdraw some that month much like a paycheck.
by livesoft
Thu Jun 22, 2017 7:54 pm
Forum: Investing - Help with Personal Investments
Topic: TIAA Traditional or G Fund
Replies: 10
Views: 418

Re: TIAA Traditional or G Fund

So you are taking money OUT of TIAA traditional or OUT of the TSP G fund and putting it into what?
by livesoft
Thu Jun 22, 2017 5:28 pm
Forum: Investing - Help with Personal Investments
Topic: VTSAX taxable buy now dividends just distributed
Replies: 9
Views: 959

Re: VTSAX taxable buy now dividends just distributed

dratkinson wrote:Don't [automatically] reinvest any distributions. [...]

One should certainly be able to use a distribution to buy more shares in the fund if one consciously wants to.
by livesoft
Thu Jun 22, 2017 4:36 pm
Forum: Investing - Help with Personal Investments
Topic: Tax efficient asset allocation across multiple accounts
Replies: 8
Views: 439

Re: Tax efficient asset allocation across multiple accounts

4. I think you will end up owning ETFs and mutual funds during your long investing career. Right now, it seems more of a question of fear of the unknown that anything else. As long as you don't pay any commissions for ETFs, I think you will be fine with the Vanguard ETFs that you have chosen to use....
by livesoft
Thu Jun 22, 2017 4:29 pm
Forum: Investing - Help with Personal Investments
Topic: Asset Allocation with Adviser - Suggestions Appreciated!
Replies: 1
Views: 170

Re: Asset Allocation with Adviser - Suggestions Appreciated!

I would specifically ask them to model the taxes that would be paid annually for any portfolio they suggested. Then I would ask, "How can you make the taxes even lower? I can adjust the rest of my portfolio to cover any bases with better tax location if need be."
by livesoft
Thu Jun 22, 2017 4:15 pm
Forum: Investing - Help with Personal Investments
Topic: Bond holdings
Replies: 2
Views: 186

Re: Bond hlidings

Uh-oh. I will get my dividends from ETFs next week and will be buying more bond fund shares according to my asset allocation plan.
by livesoft
Thu Jun 22, 2017 3:12 pm
Forum: Investing - Help with Personal Investments
Topic: Is VG Total Stock Market Index too concentrated?
Replies: 42
Views: 2352

Re: Is VG Total Stock Market Index too concentrated?

So TSM is something like 48% of LifeStrategy growth fund that has 80% in equities. So AAPL is 3% of VTSAX which makes AAPL 1.44% of a balanced aggressive portfolio. So MSFT is 2% of VTSAX which makes MSFT 1.0 of a balanced aggressive portfolio. And for a 60/40 portfolio, the percentages are even sma...
by livesoft
Thu Jun 22, 2017 12:45 pm
Forum: Investing - Help with Personal Investments
Topic: Early retirement
Replies: 21
Views: 3177

Re: Early retirement

I don't see a major problem with what the OP is doing. They are, however, limiting grow in taxable by not being 100% equities there, so they may not have as much as they will want to have in 10 years. :twisted: OTOH, they may also be creating a future problem with higher RMDs at age 70 in their tax-...
by livesoft
Thu Jun 22, 2017 8:43 am
Forum: Investing - Help with Personal Investments
Topic: VTSAX taxable buy now dividends just distributed
Replies: 9
Views: 959

Re: VTSAX taxable buy now dividends just distributed

I strongly recommend that one set their cost basis method to Specific Identification. I suggest you do this now and wait to buy shares after Vanguard confirms that and shows your Specific Id for all your previously purchased shares, too. Since the beginning of 2012, financial firms have had to track...
by livesoft
Thu Jun 22, 2017 8:26 am
Forum: Investing - Theory, News & General
Topic: Fidelity drops equity trade fee to $4.95
Replies: 69
Views: 5838

Re: Fidelity drops equity trade fee to $4.95

What do you guys use these trades for? I have a lot of free trades at Vanguard that go unused every year. If you dollar cost average into Total Stock Market and Total Bond Market funds, of what value are free or cheap trades? Besides tax-loss harvesting, rebalancing, avoiding dividends, and market ...
by livesoft
Thu Jun 22, 2017 8:18 am
Forum: Investing - Help with Personal Investments
Topic: VTSAX taxable buy now dividends just distributed
Replies: 9
Views: 959

Re: VTSAX taxable buy now dividends just distributed

Yes, your newly purchased shares of VTSAX would not receive the June 2017 dividend. No, VTSAX does not pay out 100% qualified dividends anymore. In 2016, 7.25% of my dividends were non-qualified. So that might be "almost always." Yes, in 2016, 92.75% of my dividends from Total Stock Market...
by livesoft
Thu Jun 22, 2017 8:11 am
Forum: Investing - Theory, News & General
Topic: Fidelity drops equity trade fee to $4.95
Replies: 69
Views: 5838

Re: Fidelity drops equity trade fee to $4.95

And WellsTrade will drop their equity trade fee to $2.95 starting next week. Grandfathered 100 commission-free stocks trades per year benefit continues WellsTrade accounts linked to Portfolio by Wells Fargo® program before April 1, 2013 continue to enjoy the 100 commission-free stocks trades per yea...
by livesoft
Thu Jun 22, 2017 7:51 am
Forum: Investing - Help with Personal Investments
Topic: Do Indexers Need 401(k) Plans?
Replies: 15
Views: 1565

Re: Do Indexers Need 401(k) Plans?

think of your taxable account as a jar with a small hole in it, leaking gains every year due to taxable interest / dividends.... a tax protected account plugs the hole. whether a tax protected account is pre-tax or post-tax, that hole is plugged while the money is inside. If one invests tax-efficie...
by livesoft
Thu Jun 22, 2017 7:21 am
Forum: Investing - Help with Personal Investments
Topic: Do Indexers Need 401(k) Plans?
Replies: 15
Views: 1565

Re: Do Indexers Need 401(k) Plans?

aristotelian wrote:For example, if you have $20K in SS, $17,950 of your 401K withdrawal would be taxed at 15%, and up to $91,950 would be taxed at 25%.

How much of the 401(k) withdrawal would not be taxed (i.e. taxed at 0%) in your example?
by livesoft
Thu Jun 22, 2017 7:10 am
Forum: Investing - Help with Personal Investments
Topic: Do Indexers Need 401(k) Plans?
Replies: 15
Views: 1565

Re: Do Indexers Need 401(k) Plans?

@BetaTracker, because of the way our tax laws are written, everybody gets some deductions for the first several thousand dollars of income that they have or withdraw from their 401(k) plan. You might have exemptions, standard or itemized deductions, and even tax credits. It is important to know how ...
by livesoft
Wed Jun 21, 2017 10:31 pm
Forum: Investing - Help with Personal Investments
Topic: Kaiser Permanente 401(k) fee question
Replies: 3
Views: 267

Re: Kaiser Permanente 401(k) fee question

FWIW, my old employer's 401(k) plan run by Fidelity had no fees to participants other than the fund expense ratios. And plenty of index funds, too.

Besides Brightscope, one can also find and read the plan's Form 5500 which will have some costs paid by the plan.
by livesoft
Wed Jun 21, 2017 8:52 pm
Forum: Investing - Help with Personal Investments
Topic: Asset Allocation - Help with %s | Traditional vs. Roth 401k
Replies: 45
Views: 1888

Re: Asset Allocation - Help with %s | Traditional vs. Roth 401k

I would not use a LT bond fund myself, but there must be folks that do. Presently, I own 4 fixed income investments: BND|AGG|VBMFX|VBTLX|FBIDX (total US bond index) BIV (intermediate-term) VCSH (short-term corporate bond index) TIAA Traditional Annuity I trade between VCSH and the other ETFs in resp...
by livesoft
Wed Jun 21, 2017 7:54 pm
Forum: Investing - Help with Personal Investments
Topic: Asset Allocation - Help with %s | Traditional vs. Roth 401k
Replies: 45
Views: 1888

Re: Asset Allocation - Help with %s | Traditional vs. Roth 401k

Thank you in advance for your help and insights. This all looks good to me. I'd go with at least 20% bonds. I suppose when you contribute/buy in your Roths or other accounts, you buy the asset class that is underweighted. 1. 20% bonds, otherwise AA seems great. 2. I wouldn't worry about what Person...
by livesoft
Wed Jun 21, 2017 7:31 pm
Forum: Investing - Theory, News & General
Topic: "Find out if your fund is declaring a quarterly dividend in June."
Replies: 32
Views: 4058

Re: "Find out if your fund is declaring a quarterly dividend in June."

No, I do not intend to revert. It is just like tax-loss harvesting: No need to sell unless something has a loss or I need cash to pay expenses or I need to rebalance. But I can do rebalancing in my tax-advantaged accounts. I hope you get the idea that I don't sit around scheming how to do this. Some...
by livesoft
Wed Jun 21, 2017 7:07 pm
Forum: Investing - Help with Personal Investments
Topic: Tax on Mutual Index Fund
Replies: 19
Views: 796

Re: TAX on Mutual Index Fund

What would one suggest to minimize these? I suggest you learn about income taxes by filling out your own tax returns (Form 1040 and others) perhaps with the help of tax software, but also reading all the IRS instructions and not just clicking through the software. In addition to the IRS instruction...
by livesoft
Wed Jun 21, 2017 3:18 pm
Forum: Investing - Help with Personal Investments
Topic: What does it mean when people say certain funds are tax inefficient?
Replies: 18
Views: 1490

Re: What does it mean when people say certain funds are tax inefficient?

It means that each year you would pay less than 0.2% of your total fund value in taxes for the total dividends and distributions that the fund pays to you each year assuming you are a buy-and-hold investor. So for each and every fund, one can calculate the tax hit that one would have if they had hel...
by livesoft
Wed Jun 21, 2017 3:08 pm
Forum: Investing - Help with Personal Investments
Topic: Tax-Gain Harvesting in Vanguard
Replies: 1
Views: 197

Re: Tax-Gain Harvesting in Vanguard

I have some long-term capital gains in VTSAX that I would like to harvest, since they would be taxed at 0%. However, I still want to keep them invested. Vanguard has a frequent trading policy, which means I can't re-purchase the same fund within the same 30 days. It is pretty easy to hack around th...
by livesoft
Wed Jun 21, 2017 3:04 pm
Forum: Investing - Help with Personal Investments
Topic: Tax lost harvesting and dividend reinvestment with Ishares and Vanguard
Replies: 2
Views: 189

Re: Tax lost harvesting and dividend reinvestment with Ishares and Vanguard

My opinion from reading perhaps hundreds of these TLH threads is that people worry too much about it before they actually do it. So my advice is to do absolutely nothing different or special that you wouldn't do if tax-loss harvesting did not exist. Then, when you think you want to TLH, start a new ...
by livesoft
Wed Jun 21, 2017 10:01 am
Forum: Investing - Help with Personal Investments
Topic: Questions for DieHards after reading "The Bogleheads' Guide to Investing"
Replies: 38
Views: 2835

Re: Questions for DieHards after reading "The Bogleheads' Guide to Investing"

You haven't mentioned anything about other retirement accounts that you have such as 403(b), 401(k), TSP, or other employer-sponsored plan. Those can affect whether you use a Roth IRA or a traditional IRA along with whatever your annual income is, too. We have accounts at TDAmeritrade, Vanguard, Fid...
by livesoft
Wed Jun 21, 2017 8:38 am
Forum: Investing - Help with Personal Investments
Topic: Need help building TSM with Blackrock funds
Replies: 3
Views: 206

Re: Need help building TSM with Blackrock funds

https://www.bogleheads.org/wiki/Approxi ... ock_market

has the answer. There are quite a few possible ways to get close enough. Pick one and be happy.
by livesoft
Wed Jun 21, 2017 8:30 am
Forum: Investing - Help with Personal Investments
Topic: Tax loss harvesting and Betterment
Replies: 18
Views: 1345

Re: Tax loss harvesting and Betterment

This may help explain the future demise of Betterment:
https://www.kitces.com/blog/robo-adviso ... ion-costs/
by livesoft
Wed Jun 21, 2017 7:02 am
Forum: Investing - Theory, News & General
Topic: is offering this [Vanguard] website feature feasible?
Replies: 29
Views: 1880

Re: is offering this [Vanguard] website feature feasible?

Doc wrote:Do the licensed versions allow your portfolio to be "saved" so you don't need to re-enter it every time?

Certainly TRowePrice and TDAmeritrade allow one to have multiple saved portfolios for use with M* Portfolio X-ray on their web sites.
by livesoft
Tue Jun 20, 2017 10:17 pm
Forum: Personal Finance (Not Investing)
Topic: Co-workers advising to buy house RIGHT NOW
Replies: 62
Views: 5236

Re: Co-workers advising to buy house RIGHT NOW

Tax appraisers have come up with lower home values in my neighborhood and all around it because homes are selling for less than last year. So at least around here home prices are not only going to go up and up.
by livesoft
Tue Jun 20, 2017 7:51 pm
Forum: Investing - Help with Personal Investments
Topic: Managed Payout VPGDX seems to beat all others
Replies: 6
Views: 799

Re: Managed Payout VPGDX seems to beat all others

Be sure to compare to funds with similar (if possible) asset allocations. VPGDX has at least 57% stocks not counting commodities and alternates, so Wellesley with its 38% stocks is not a valid comparison. Maybe (maybe not) LifeStrategy Moderate Growth would be OK. It has a 60/40 asset allocation and...

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