Search found 12 matches

by redstar
Tue Jul 18, 2017 7:07 pm
Forum: Personal Finance (Not Investing)
Topic: Your Charitable giving – do you have definitions and guidelines?
Replies: 2
Views: 313

Re: Your Charitable giving – do you have definitions and guidelines?

I am committed to the Giving What We Can pledge, and I interpret this personally with a few rules: 1) I have to give 10% of income per year, where income is salary and capital gains. I usually do this monthly, but it isn't required. Matching donations don't count as it is not my income. 2) Giving ca...
by redstar
Mon Jul 17, 2017 6:51 pm
Forum: Investing - Theory, News & General
Topic: What we know about robo advisors
Replies: 10
Views: 1244

Re: What we know about robo advisors

It would be great if we could get some sort of crowdsourced Bogleheads comparison of the performance of these robo-advisors, as it is hard to compare them with available public data. I guess they would have to have similar risk settings to compare, though. We have that. First link in this thread: h...
by redstar
Mon Jul 17, 2017 6:07 pm
Forum: Investing - Theory, News & General
Topic: What we know about robo advisors
Replies: 10
Views: 1244

Re: What we know about robo advisors

Hedgeable: https://www.hedgeable.com/ They use a core satellite approach and dynamic allocation based on current market conditions. This sort of approach is typical of pension funds using hedge funds as satellites (hence the name). They are trying to create a private wealth type service that works ...
by redstar
Sun Jul 16, 2017 2:04 pm
Forum: Investing - Help with Personal Investments
Topic: Maximizing opportunities to Tax Loss Harvest?
Replies: 13
Views: 816

Re: Maximizing opportunities to Tax Loss Harvest?

More information about your portfolio would be helpful if you want specific information. I only have cash at the moment, so I'm looking to create a portfolio. I am intending to invest around $150,000 in a taxable account, with my overall asset allocation being around 90% stocks, 10% bonds. How woul...
by redstar
Sat Jul 15, 2017 8:15 pm
Forum: Investing - Help with Personal Investments
Topic: Maximizing opportunities to Tax Loss Harvest?
Replies: 13
Views: 816

Re: Maximizing opportunities to Tax Loss Harvest?

aristotelian wrote:More information about your portfolio would be helpful if you want specific information.


I only have cash at the moment, so I'm looking to create a portfolio. I am intending to invest around $150,000 in a taxable account, with my overall asset allocation being around 90% stocks, 10% bonds.
by redstar
Sat Jul 15, 2017 5:38 pm
Forum: Investing - Help with Personal Investments
Topic: Maximizing opportunities to Tax Loss Harvest?
Replies: 13
Views: 816

Re: Maximizing opportunities to Tax Loss Harvest?

Why don't you invest to get big gains for the rest of the year and use those gains to pay the taxes? Then if the worst happens....... you will have loses instead! Wouldn't this make you happy either way? Yup, that's the plan! I swear I'm not trying to intentionally lose money. The strategies I was ...
by redstar
Sat Jul 15, 2017 1:12 pm
Forum: Personal Finance (Not Investing)
Topic: Invest now or live off savings to max my 403b?
Replies: 7
Views: 579

Re: Invest now or live off savings to max my 403b?

Thought of another way, if your taxable investments lose value then you're still selling the same number of shares, and almost immediately buying those shares in your 403b, so really you've just managed to transfer more shares for the given contribution limits than if your taxable account had not l...
by redstar
Sat Jul 15, 2017 1:04 pm
Forum: Investing - Help with Personal Investments
Topic: Maximizing opportunities to Tax Loss Harvest?
Replies: 13
Views: 816

Maximizing opportunities to Tax Loss Harvest?

I have a lot of (realized) capital gains this year (yay!), but with a correspondingly high tax bill ( :( ). I am also currently not invested and would like to start. Assuming a given asset allocation, is there a good strategy for maximizing opportunities to Tax Loss Harvest? I know that normally TLH...
by redstar
Sat Jul 15, 2017 12:19 pm
Forum: Personal Consumer Issues
Topic: Urgent 1st world problem [coffeemaker]
Replies: 48
Views: 3087

Re: Urgent 1st world problem [coffeemaker]

Third vote for an Aeropress and high quality beans. Alternatively get a pour over setup (Chemex for multiple cups at once).
by redstar
Fri Jul 14, 2017 4:28 pm
Forum: Personal Finance (Not Investing)
Topic: Invest now or live off savings to max my 403b?
Replies: 7
Views: 579

Re: Invest now or live off savings to max my 403b?

I'm not sure about the math behind the 403b contributions being taxable or not. I was assuming pre-tax this year, as I should be in the 25% tax bracket based on some other income, but I may move the contributions to Roth 403b next year when I am in the 15% bracket. Maybe semantics, but the 403b con...
by redstar
Fri Jul 14, 2017 3:11 pm
Forum: Personal Finance (Not Investing)
Topic: Invest now or live off savings to max my 403b?
Replies: 7
Views: 579

Re: Invest now or live off savings to max my 403b?

FiveK, Thanks for the response! Yeah, the windfall is taxable, so I'm locked out of the normal Roth this year, but will contribute to normal Roth in future years. If my 403b will allow a mega backdoor Roth I will try that too, but I'm not sure it does based on my reading of the plan. My stipend is e...
by redstar
Thu Jul 13, 2017 11:26 pm
Forum: Personal Finance (Not Investing)
Topic: Invest now or live off savings to max my 403b?
Replies: 7
Views: 579

Invest now or live off savings to max my 403b?

Hi! I'm a graduate student (age 24), and I plan to be for the next 4-5 years or so. I recently received a windfall, and I'm wondering if I should invest a portion in a taxable account, or live off that portion to invest more in a tax-advantaged account. Details: Annual Stipend: $32,000 To Invest (af...

Go to advanced search