Search found 118 matches

by ray333
Tue Apr 25, 2017 8:07 pm
Forum: Investing - Theory, News & General
Topic: Unwinding all positions and buy back after French Elections
Replies: 52
Views: 4337

Re: Unwinding all positions and buy back after French Elections

invest consistently, invest more when prices are cheaper, don't invest anything you "need" in the near term, buy buy buy, sell 20+ years later

pretty much my plan going forward.

oh, bonds at some point. maybe when I'm 40.
by ray333
Mon Apr 17, 2017 1:23 pm
Forum: Investing - Help with Personal Investments
Topic: Why would anyone want to buy bond funds?
Replies: 92
Views: 8931

Re: Why would anyone want to buy bond funds?

as I near retirement my AA will be drastically different, 50/50 - 60/40 let's say. if you are young with a 20+ year investment horizon and can invest money that you honestly won't touch for 5+ years, I have no idea why a young person would bother with bonds. You should be rooting for downturns/corre...
by ray333
Sun Apr 16, 2017 4:33 pm
Forum: Investing - Help with Personal Investments
Topic: Why would anyone want to buy bond funds?
Replies: 92
Views: 8931

Re: Why would anyone want to buy bond funds?

I'm 32, no debt, with a 20-30 year investment horizon (at least), and my "investments" will be 100% equity (total us / total int'l) for the foreseeable future. granted I do have a larger than normal "emergency fund" earning 1%, but I see no point in putting any of my actual inve...
by ray333
Sun Apr 16, 2017 12:06 pm
Forum: Investing - Help with Personal Investments
Topic: Why would anyone want to buy bond funds?
Replies: 92
Views: 8931

Re: Why would anyone want to buy bond funds?

correct me if I'm wrong ... if you're young and can psychologically stand the short term drop in your portfolio, equity/stock funds are for you. if you are risk averse and/or think you'd panic during a significant downturn/correction/crash, bond funds are for you. I'm 32, no debt, with a 20-30 year ...
by ray333
Sat Apr 15, 2017 10:46 am
Forum: Investing - Help with Personal Investments
Topic: Yet another Vanguard study on DCA vs Lump Sum
Replies: 55
Views: 3088

Re: Yet another Vanguard study on DCA vs Lump Sum

Lump sum vs DCA for a windfall is a lot easier to do when you're not 3% off an all time high and an 8 year bull market, 3 months ago we were at the all time high. While it's obvious that 66% of the time you are better to lump sum, I don't think it's 66% in an all time high situation and the subsequ...
by ray333
Sat Apr 15, 2017 9:34 am
Forum: Investing - Help with Personal Investments
Topic: Yet another Vanguard study on DCA vs Lump Sum
Replies: 55
Views: 3088

Re: Yet another Vanguard study on DCA vs Lump Sum

guess I'll just stop watching the news / listening to certain political podcasts, and blindly invest in my newly set up 3 fund lazy portfolio as much as I can ... (technically 2 funds at the moment, I'm not bothering with bonds at 32)
by ray333
Sat Apr 15, 2017 9:26 am
Forum: Investing - Help with Personal Investments
Topic: Yet another Vanguard study on DCA vs Lump Sum
Replies: 55
Views: 3088

Re: Yet another Vanguard study on DCA vs Lump Sum

Thanks. ive essentially been lump sum in my Roth for years as a set/forget approach, guess I need to view my taxable the same way

Yada yada time in Market > timing the market ... think I got it
by ray333
Sat Apr 15, 2017 9:04 am
Forum: Investing - Help with Personal Investments
Topic: Yet another Vanguard study on DCA vs Lump Sum
Replies: 55
Views: 3088

Re: Yet another Vanguard study on DCA vs Lump Sum

Is it fair to assume that for a 20+ year investment horizon, today's seemingly "high priced" share cost isn't that relevant? I've been DCAing since my initial lump sum and buying back in as prices have dropped, but considering just doing a January 1 lump sum for the foreseeable future now ...
by ray333
Sat Apr 15, 2017 8:45 am
Forum: Investing - Help with Personal Investments
Topic: Yet another Vanguard study on DCA vs Lump Sum
Replies: 55
Views: 3088

Re: Yet another Vanguard study on DCA vs Lump Sum

Say I plan to invest 25.5K annually (Roth max + taxable) ... it'd be better over time if I dumped that lump sum in January 1st, rather than maxing Roth and DCA the 20K over 5-10 months?
by ray333
Sat Apr 15, 2017 8:29 am
Forum: Investing - Help with Personal Investments
Topic: Yet another Vanguard study on DCA vs Lump Sum
Replies: 55
Views: 3088

Re: Yet another Vanguard study on DCA vs Lump Sum

And if you expect shares to drop isn't DCA the way to go (for the short term at least)

Also why would not investing for a year and then dumping 20K into the market in 2018 be better than DCA'ing 2K starting now?
by ray333
Thu Apr 13, 2017 10:26 pm
Forum: Investing - Theory, News & General
Topic: Jack says be realistic
Replies: 48
Views: 5777

Re: Jack says be realistic

Woodlake wrote:well if yellen is here to stay and trump seems to changed his stance to low interest rate....then the rally could go on a few more years


... hoping after tax season/long weekend hysteria things continue onward and upward.
by ray333
Thu Apr 13, 2017 10:24 pm
Forum: Investing - Help with Personal Investments
Topic: Moving to a Lazy portfolio : Should I wait for a market correction?
Replies: 16
Views: 1938

Re: Moving to a Lazy portfolio : Should I wait for a market correction?

dove in last month myself ... lump sum to get the admiral shares at least and I've been doing a modified DCA approach (invest continuously, just more $ during dips / less $ during rises).

if it's money you can honestly say to yourself you don't need/worry about (be honest with yourself) ... invest.
by ray333
Thu Apr 13, 2017 10:18 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard Settlement Fund / Personal Bank
Replies: 1
Views: 340

Vanguard Settlement Fund / Personal Bank

Quick question: when buying into an index fund, assuming you did so before the 4PM market close ... would you get that business day price regardless of whether or not you use the settlement fund or your bank to transfer? Only asking because I'm down to 6K in my settlement fund and wondering whether ...
by ray333
Thu Apr 13, 2017 3:34 pm
Forum: Investing - Theory, News & General
Topic: Future Return - Siegel vs “new normal”
Replies: 21
Views: 2315

Re: Future Return - Siegel vs “new normal”

I always plugged in 5% when using "estimators" ... anything more is wonderful, anything less - oh well the worlds probably coming to an end so your AA will be irrelevant
by ray333
Tue Apr 11, 2017 8:41 am
Forum: Investing - Help with Personal Investments
Topic: Roth IRA Questions
Replies: 1
Views: 237

Roth IRA Questions

OK, so my SIMPLE - tIRA went smoothly, except for 3 funds with fractional shares (1.80 total) not converting ... until this morning. While not a difference maker, I'd love to get out of those funds all together. 1. I have maxed my 2017 contribution. 2. I have rolled over a tIRA in 2017 3. I have sol...
by ray333
Sun Apr 09, 2017 4:58 pm
Forum: Investing - Theory, News & General
Topic: Usefulness of bonds for equity investors who don't necessarily want them?
Replies: 50
Views: 2934

Re: Usefulness of bonds for equity investors who don't necessarily want them?

what is so insane about the thought of wanting to invest now but [removal of "inappropriate content"] preventing you from thinking this booming market will "soar" much higher before a significant correction so invest enough to get admiral shares in multiple funds and then dollar ...
by ray333
Sun Apr 09, 2017 10:28 am
Forum: Investing - Theory, News & General
Topic: Usefulness of bonds for equity investors who don't necessarily want them?
Replies: 50
Views: 2934

Re: Usefulness of bonds for equity investors who don't necessarily want them?

I thought reallocating would be as simple as "exchanging" some equity funds/buying bond funds later as I age ... I intend on running a 2 horse race of 100% equity/TOTAL US+TOTAL INT'L ADMIRAL for the next 5+ years and then "exchanging" inside my Roth later in life ... is this way...
by ray333
Sat Apr 08, 2017 6:51 am
Forum: Investing - Help with Personal Investments
Topic: Avoiding future Wash Sale Issues
Replies: 1
Views: 197

Avoiding future Wash Sale Issues

taxable acct: Total Market Admiral Roth: Total Int'l Market Admiral + either S&P500/Total Market Admiral If I go with SP500 in Roth, I assume I never have to worry about a wash sale in my Total Market taxable? Should I own TSM in both ROTH/Taxable, this is a non-issue as long as I don't purchase...
by ray333
Thu Apr 06, 2017 8:01 am
Forum: Investing - Help with Personal Investments
Topic: Jumping back in the market
Replies: 29
Views: 3972

Re: Jumping back in the market

quick question: when choosing the target date fund ... pick a date beyond your actual date if you'd like to remain aggressive longer / pick a date prior to your actual date to become conservative sooner? are the int'l bonds necessary? I'm torn on doing the target date fund vs 3 fund rebalancing myse...
by ray333
Thu Apr 06, 2017 7:54 am
Forum: Investing - Help with Personal Investments
Topic: Fractional Share "Issue"
Replies: 0
Views: 145

Fractional Share "Issue"

rolled my $6700 tIRA [Simple - tIRA conversion went fairly quickly] to Roth ... everything went quite quickly/smoothly and this morning sold off my American Funds in order to rebalance the Roth with Vanguard funds (doing Total Market/Total Int'l market Admiral ... will exchange some for bonds in a f...
by ray333
Wed Apr 05, 2017 7:26 pm
Forum: Investing - Help with Personal Investments
Topic: Leave money in VTSMX or move to VMMXX for when things go bad?
Replies: 10
Views: 716

Re: Leave money in VTSMX or move to VMMXX for when things go bad?

if you're young, keep it in ... even add to it during the "collapse" at cheaper prices ...
by ray333
Wed Apr 05, 2017 8:46 am
Forum: Investing - Theory, News & General
Topic: Why Buffet likes S&P 500 Index over a TSM Index Fund?
Replies: 45
Views: 5196

Re: Why Buffet likes S&P 500 Index over a TSM Index Fund?

TSM gives you the S/P500+ ... I believe it's slightly more volatile/slightly more potential long term, but could be wrong. In the end, I don't think it alters your retirement outcome that much. I'm considering keeping my TSM in taxable and S/P in my Roth to avoid any potential wash sale complication...
by ray333
Tue Apr 04, 2017 3:32 pm
Forum: Personal Finance (Not Investing)
Topic: Transferring to Vanguard funds from other fund companies
Replies: 8
Views: 435

Re: Transferring to Vanguard funds from other fund companies

All of my 6 American Funds transferred as is, I sold them once at Vanguard and reinvested the same amount back into significantly lower cost Vanguard funds

I spoke with American Funds and Vanguard several times along the way, but the process was relatively quick/easy
by ray333
Tue Apr 04, 2017 8:51 am
Forum: Investing - Help with Personal Investments
Topic: Vanguard automatic Roth investment stops pennies short of maximum yearly contribution?
Replies: 15
Views: 650

Re: Vanguard automatic Roth investment stops pennies short of maximum yearly contribution?

... why not just put $5500 in on 1st business day of the new year? get it all in, forget about it, compound compound compound, see ya in 30 years.
by ray333
Tue Apr 04, 2017 8:43 am
Forum: Investing - Theory, News & General
Topic: Article--Vanguard's customer service takes a hit as it receives epic inflows of cash
Replies: 33
Views: 4138

Re: Article--Vanguard's customer service takes a hit as it receives epic inflows of cash

I've been on the phone / messaging with vanguard countless times over the last couple months (opened brokerage, Roth transfer, simple to traditional transfer, Roth conversion ... almost all complete) ... only "issue" I've had was being told I need a medallion signature, then getting a call...
by ray333
Mon Apr 03, 2017 7:20 pm
Forum: Investing - Help with Personal Investments
Topic: Is this the time to invest?
Replies: 6
Views: 908

Re: Is this the time to invest?

Lump sum to at least buy into admiral shares and then dollar cost average into that ...
by ray333
Sun Apr 02, 2017 12:03 pm
Forum: Investing - Help with Personal Investments
Topic: Roll into Roth?
Replies: 8
Views: 551

Re: Roll into Roth?

So I can sell the funds, use the available balance to buy Vanguard funds, and pay the tax hit with my personal money in savings?

Basically, use money from my savings account and actually keep more money in the IRA itself? Seems like win/win if thats the case
by ray333
Sat Apr 01, 2017 11:26 am
Forum: Investing - Help with Personal Investments
Topic: Roll into Roth?
Replies: 8
Views: 551

Re: Roll into Roth?

If you pay the taxes out of your savings, not out of the SIMPLE, there is no 10% penalty as long as the money is rolled into an IRA of some sort. If you had taxes withheld, you need to make that up. thank you! it's currently being transferred to a traditional @ Vanguard ... planning to then roll th...
by ray333
Sat Apr 01, 2017 8:40 am
Forum: Investing - Help with Personal Investments
Topic: Roll into Roth?
Replies: 8
Views: 551

Re: Roll into Roth?

ok Simple has been taken from American Funds, "in transit" to Vanguard ... quick question: Will I be subject to an additional 10% tax hit on top of my tax bracket for 2017? If so, should it just remain in traditional?
by ray333
Thu Mar 30, 2017 8:04 pm
Forum: Investing - Help with Personal Investments
Topic: Roll into Roth?
Replies: 8
Views: 551

Re: Roll into Roth?

yeah my income will be growing significantly and ultimately will be inheriting at least 1 income property so my tax bracket will likely be higher rest of my life ... figured with such a small balance take the tax hit regardless and bulk up the Roth would be the way to go
by ray333
Thu Mar 30, 2017 6:21 pm
Forum: Investing - Help with Personal Investments
Topic: Roll into Roth?
Replies: 8
Views: 551

Roll into Roth?

approx $6700 SIMPLE transferring to Vanguard Traditional ... my income/tax bracket will increase from my current level ... is it a no brainer to convert to Roth, tax the tax hit on the relatively small amount, and "stash" more in my Roth? The Simple is in the process of transferring and I ...
by ray333
Thu Mar 30, 2017 5:48 pm
Forum: Investing - Help with Personal Investments
Topic: VIGAX vs VTSAX
Replies: 9
Views: 809

Re: VIGAX vs VTSAX

Unless you're just going to invest a single lump sum, the results for DCA (Dollar Cost Averaging) may be more important in the long run. From the data available at Yahoo, here's how those funds compare to each other and to the S&P 500 and Vanguard's Wellington fund ... for a lump sum, and for D...
by ray333
Thu Mar 30, 2017 5:45 pm
Forum: Investing - Help with Personal Investments
Topic: Currently have $700,000 at 26 years old get $100,000 a year
Replies: 80
Views: 10821

Re: Currently have $700,000 at 26 years old get $100,000 a year

you "get 100,000 a year" ... you're fine. Open an ally account and find a hobby.
by ray333
Thu Mar 30, 2017 9:03 am
Forum: Investing - Help with Personal Investments
Topic: VIGAX vs VTSAX
Replies: 9
Views: 809

VIGAX vs VTSAX

Roth fund, aggressive/accumulation phase (32), currently own VTSAX in taxable. double dip with total market or Growth fund?
by ray333
Thu Mar 30, 2017 8:59 am
Forum: Investing - Theory, News & General
Topic: How much international stock? A suggestion.
Replies: 186
Views: 24602

Re: John Bogle on international

wouldn't now be the time to invest internationally with US valuations so high? I keep going back and forth on the total international admiral shares ...
by ray333
Thu Mar 30, 2017 7:21 am
Forum: Investing - Help with Personal Investments
Topic: Sound Strategy?
Replies: 16
Views: 1326

Re: Sound Strategy?

New thought

Total US/Total International (Admiral) in my taxable ... life strategy Growth in Roth?
by ray333
Tue Mar 28, 2017 7:14 pm
Forum: Investing - Help with Personal Investments
Topic: Sound Strategy?
Replies: 16
Views: 1326

Re: Sound Strategy?

yeah transfer is in process, hopefully next week ... once that's transferred / rolled into Roth I'll decide ... definitely DCA'ing into total US admiral. I'm basically just trying to see if my "strategy" is not completely insane. I've gone from knowing absolutely nothing about investing to...
by ray333
Tue Mar 28, 2017 6:57 pm
Forum: Investing - Help with Personal Investments
Topic: Sound Strategy?
Replies: 16
Views: 1326

Re: Sound Strategy?

have a fairly nice inheritance on top of a significant salary increase in the near future, 35k @ 1%? Any debt to pay down? Considering investing if not,given what you said in the sentence. :happy should I be even more "aggressive"? buy some admiral total international in my taxable? [then...
by ray333
Tue Mar 28, 2017 2:15 pm
Forum: Investing - Help with Personal Investments
Topic: Sound Strategy?
Replies: 16
Views: 1326

Re: Sound Strategy?

Honestly it was more for a house in a couple years ... I'm not opposed to investing even more and would throw in another 15K should prices drop. I just really don't feel comfortable dumping another lump sum into these current valuations ... maybe I just follow too many political podcasts and should ...
by ray333
Tue Mar 28, 2017 9:30 am
Forum: Investing - Help with Personal Investments
Topic: Sound Strategy?
Replies: 16
Views: 1326

Re: Sound Strategy?

Is the total bond Admiral share the ideal bond fund to own long term? Don't know much about bonds, didn't plan on owning them for awhile
by ray333
Tue Mar 28, 2017 9:13 am
Forum: Investing - Help with Personal Investments
Topic: Sound Strategy?
Replies: 16
Views: 1326

Re: Sound Strategy?

am I wrong in considering my cash as part of my overall asset allocation? it's pretty much why I'm all about equity ... I also have no idea why this market continues to remain stable ... I feel like this house of cards has to start tumbling soon ... but who knows right?
by ray333
Tue Mar 28, 2017 8:30 am
Forum: Investing - Help with Personal Investments
Topic: Sound Strategy?
Replies: 16
Views: 1326

Re: Sound Strategy?

Thank you! My plan by end of the year is to have approximately 40K total US / 10 K international ... now is the time to buy International? Seems like US is ridiculously overvalued, hence my DCA approach with the other 15K. Guess I could just buy International in my taxable ... I still have 17000 in ...
by ray333
Tue Mar 28, 2017 8:09 am
Forum: Investing - Help with Personal Investments
Topic: Sound Strategy?
Replies: 16
Views: 1326

Re: Sound Strategy?

I've got about 90K total, 35K of it in Ally savings. I say that's fairly conservative ... Hence the 100% equity in my actual "investments". The money I'm investing I know I do not need any time soon ... Should the market tank (I want it to), I would smile and click "Buy" - not cr...
by ray333
Mon Mar 27, 2017 10:32 pm
Forum: Investing - Help with Personal Investments
Topic: how quickly can you convert tIRA to rIRA
Replies: 9
Views: 781

Re: how quickly can you convert tIRA to rIRA

what about converting a simple to traditional ... and then rolling into Roth? vanguard made it sound so easy ... just waiting for the funds to transfer
by ray333
Mon Mar 27, 2017 10:27 pm
Forum: Investing - Help with Personal Investments
Topic: Weathering sell-off days like today
Replies: 107
Views: 6384

Re: Weathering sell-off days like today

today was supposed to be a sell off day ... and I was supposed to buy accordingly ... idk what happened.
by ray333
Mon Mar 27, 2017 10:22 pm
Forum: Investing - Help with Personal Investments
Topic: Sound Strategy?
Replies: 16
Views: 1326

Re: Sound Strategy?

or I could do the target date in Roth ... prefer the 3 fund vs the 4 and my taxable acct would sort of make reallocating actually more difficult. I like the freedom of being able to allocate as I choose ... I'm just making sure all of my assumptions are actually correct (in regards to exchanging/tax...
by ray333
Mon Mar 27, 2017 10:18 pm
Forum: Investing - Help with Personal Investments
Topic: Sound Strategy?
Replies: 16
Views: 1326

Sound Strategy?

Emergency Fund: 35K @ Ally, 1% converting SIMPLE IRA into Traditional IRA / roll over to Roth (6700 balance and will be in higher tax bracket next year) ... would give me 20+K in Roth brokerage: 10 K in total market admiral ... DCA another 15 K ... 50K portfolio, 100% equity ... over time, exchange ...
by ray333
Mon Mar 27, 2017 10:01 pm
Forum: Investing - Theory, News & General
Topic: Vanguard Target Date Funds
Replies: 27
Views: 5123

Re: Vanguard Target Date Funds

I plan on maxing my Roth in total stock market (32) and ultimately just reallocating the admiral shares 3-fund portfolio accordingly ... leaving total market in my taxable account as well so keeping the eventual bond allocation under the Roth umbrella ... I feel good about this strategy ... or am I ...
by ray333
Mon Mar 27, 2017 7:03 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 3401
Views: 875682

Re: U.S. stocks in freefall

yeah I was planning on DCA'ing another 2500 today ... oh well.

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