Search found 3290 matches

by rkhusky
Mon Jan 16, 2017 9:33 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard Total World Stock question
Replies: 14
Views: 1255

Re: Vanguard Total World Stock question

but then why has the vanguard international index fund been stagnant over the past decade, while the world stock index has risen at a great rate? Purely because of the US stocks within that world stock index? Yes - Nisiprius showed that in recent years Total World is between US and Int'l. Total Wor...
by rkhusky
Mon Jan 16, 2017 10:03 am
Forum: Investing - Help with Personal Investments
Topic: Vanguard Total World Stock question
Replies: 14
Views: 1255

Re: Vanguard Total World Stock question

Note that Total World does not hold a fixed allocation to US and Int'l. The allocation will change over time. When the US is doing better, Total World will have more US, and the opposite when Int'l is doing better. This white paper from Vanguard has some interesting data on the US/Int'l split: https...
by rkhusky
Sun Jan 15, 2017 9:36 pm
Forum: Investing - Theory, News & General
Topic: 3 Vanguard Funds That Are Taking on Water
Replies: 25
Views: 4394

Re: 3 Vanguard Funds That Are Taking on Water

The word "secular" in financial advice causes my internal warning systems to activate.
by rkhusky
Sun Jan 15, 2017 9:27 pm
Forum: Investing - Help with Personal Investments
Topic: Asset Location at the 15% tax bracket?
Replies: 12
Views: 1164

Re: Asset Location at the 15% tax bracket?

grabiner wrote:... unless the gain pushes you into a higher tax bracket or causes you to hit a phase-out.

This seems to be a very important point. All your cap gains may not be taxed at 0%, even if all your other income would put you in the 15%, especially if your other income is close to the 15%/25% boundary.
by rkhusky
Sat Jan 14, 2017 2:53 pm
Forum: Personal Finance (Not Investing)
Topic: Browser navigation on Vanguard site
Replies: 7
Views: 429

Re: Browser navigation on Vanguard site

Silence Dogood wrote:
rkhusky wrote:They could freeze the browser navigation buttons when in the midst of a transaction, which I've seen other web sites do.


Did you contact Vanguard to suggest that they do this?


Not yet.
by rkhusky
Sat Jan 14, 2017 10:38 am
Forum: Personal Finance (Not Investing)
Topic: Browser navigation on Vanguard site
Replies: 7
Views: 429

Re: Browser navigation on Vanguard site

Did you submit it today, Saturday? If so, it hasn't actually executed, so you can go to the Order Status page and cancel the transaction. I did it yesterday before noon. And tried to cancel online, but it wouldn't let me - said that I had to call, which was too much bother for my particular transac...
by rkhusky
Sat Jan 14, 2017 9:47 am
Forum: Personal Finance (Not Investing)
Topic: Browser navigation on Vanguard site
Replies: 7
Views: 429

Browser navigation on Vanguard site

I should know better, but I used my browser's back and forward buttons in the middle of a transaction on Vanguard's web site. The result being that an unintended transaction was generated, even though I did not click the submit button or receive a confirmation code. It was only a small transaction, ...
by rkhusky
Fri Jan 13, 2017 9:42 am
Forum: Investing - Theory, News & General
Topic: Vanguard Admiral Shares
Replies: 4
Views: 609

Re: Vanguard Admiral Shares

If you want more return, you have to take more risk. And even then you're not guaranteed more return! Exactly. More risk generally means that, while your average or expected return is higher, you also have a higher chance of a significantly better return and a higher chance of a significantly lower...
by rkhusky
Fri Jan 13, 2017 9:28 am
Forum: Investing - Theory, News & General
Topic: Vanguard Admiral Shares
Replies: 4
Views: 609

Re: Vanguard Admiral Shares

When comparing two funds you need to make sure that the starting date and ending date are the same. You also need to make sure that the funds are holding the same types of stocks and bonds. If you look at Morningstar, they separate the funds into different categories and compare within the category....
by rkhusky
Fri Jan 13, 2017 9:03 am
Forum: Investing - Help with Personal Investments
Topic: Vanguard VTSAX Admiral Funds
Replies: 25
Views: 2637

Re: Vanguard VTSAX Admiral Funds

It's a completely different discussion, but not all of us would agree that Total Stock represents maximum diversity. I would consider Total Stock + Small (Value) more diverse than just the former. As folks are fond of pointing out, Total Stock is almost indistinguishable from the straight Large Cap...
by rkhusky
Fri Jan 13, 2017 8:52 am
Forum: Investing - Help with Personal Investments
Topic: What to do when an IRA is no longer tax-deferred? (RMDs!)
Replies: 18
Views: 1932

Re: What to do when an IRA is no longer tax-deferred? (RMDs!)

I should have expressed myself more carefully, Watty. Yes, I do understand that my IRA is still a tax-deferred account. I was trying to account for the fact that my new yearly RMD (which I know will be a changing % of my previous year-end balance) will henceforth be added to my Adjusted Gross Incom...
by rkhusky
Thu Jan 12, 2017 12:17 pm
Forum: Investing - Help with Personal Investments
Topic: Close to retirement and have questions about my portfolio
Replies: 25
Views: 2409

Re: Close to retirement and have questions about my portfolio

Watty wrote:Thanks for catching that, I fixed it.

Wasn't sure if you were picturing a stalactite, versus the usual bucket, for the tax brackets. :-)
by rkhusky
Thu Jan 12, 2017 12:11 pm
Forum: Investing - Theory, News & General
Topic: I'm just going to leave this here... [Should you rebalance your portfolio?]
Replies: 36
Views: 2256

Re: I'm just going to leave this here... [Should you rebalance your portfolio?]

But the result is at least intuitively correct. It is probably intuitively correct that if we took two portfolios over time both consisting of equities and bonds and did whatever kind of rebalancing or buy-and-hold or whatever to them, ... ... and computed the average daily allocation to equities (...
by rkhusky
Thu Jan 12, 2017 8:30 am
Forum: Investing - Theory, News & General
Topic: I'm just going to leave this here... [Should you rebalance your portfolio?]
Replies: 36
Views: 2256

Re: I'm just going to leave this here... [Should you rebalance your portfolio?]

FWIW, in order for a 50/50 portfolio to jump to 70/30, stocks would need to increase by 133% (i.e. more than double), with bonds returning nothing. If one bought VTSAX (Total Stock) and VBTLX (Total Bond) 5 years ago at a ratio of 50/50, then it would be about 65/35 now in a tax advantaged account (...
by rkhusky
Thu Jan 12, 2017 8:01 am
Forum: Investing - Help with Personal Investments
Topic: Close to retirement and have questions about my portfolio
Replies: 25
Views: 2409

Re: Close to retirement and have questions about my portfolio

Watty wrote:One interesting thing is that the long term capital gains tax rate is 0% until you get to the top of the 25% tax bracket.

Shouldn't that be the bottom of the 25% tax bracket (i.e. boundary between 15% and 25% brackets)? And that would be about $48K for a single person with standard deduction.
by rkhusky
Wed Jan 11, 2017 10:29 am
Forum: Investing - Help with Personal Investments
Topic: Retiring this May, please advise
Replies: 24
Views: 2833

Re: Retiring this May, please advise

rhusky, I'm not really sure how to estimate insurance expenses 18 months out in this climate. Sure, if someone could tell me my insurance expenses will double in 18 months I would back off my plans. I'd probably shift to part-time or something along those lines. If you can give some guidance on est...
by rkhusky
Wed Jan 11, 2017 10:17 am
Forum: Investing - Help with Personal Investments
Topic: Help me understand dividends in my 401k
Replies: 7
Views: 885

Re: Help me understand dividends in my 401k

The price/share of your investment drops when you get a dividend, such that the total amount is the same before and after.

The Vanguard TR2035 dividend is about 2%, so you must have about $750K in your 401K.
by rkhusky
Wed Jan 11, 2017 8:36 am
Forum: Investing - Help with Personal Investments
Topic: Retiring this May, please advise
Replies: 24
Views: 2833

Re: Retiring this May, please advise

rkhusky, I really have no idea what my health insurance expense will be after COBRA ends. If ACA were to remain or something similar in price were to evolve, I would qualify for subsidies and my insurance expense would be lower. But who knows? You should probably do some analysis of that. If you ha...
by rkhusky
Wed Jan 11, 2017 8:13 am
Forum: Investing - Help with Personal Investments
Topic: Vanguard VTSAX Admiral Funds
Replies: 25
Views: 2637

Re: Vanguard VTSAX Admiral Funds

If your balance dips below $10,000 solely because of market fluctuations, you can keep the Admiral Shares. You will not be downgraded to Investor Shares. Just don't sell any shares to take you below $10,000 (or sell any while you're below $10,000). Is this stated Vanguard policy or just something p...
by rkhusky
Wed Jan 11, 2017 8:01 am
Forum: Personal Consumer Issues
Topic: Anyone else having trouble with unrequested CVS auto-refills?
Replies: 55
Views: 2512

Re: Anyone else having trouble with unrequested CVS auto-refills?

My prescription co-pays get paid out of my FSA whether I pick them up or not. I would get that changed, if possible. You don't want to pay for something you can't use. It is actually the opposite. I am getting reimbursed for something I might not pay for (not really since I contribute the funds in ...
by rkhusky
Wed Jan 11, 2017 7:56 am
Forum: Investing - Help with Personal Investments
Topic: Retiring this May, please advise
Replies: 24
Views: 2833

Re: Retiring this May, please advise

Lilly50, my COBRA annual cost will be $6000, as I'm single. Dogsplaypoker, I'm a minimalist and downsized to the core, but I have a lot in my budget that can be trimmed, like eating out and travel. I've thought about Airstreaming but that just won't work for me. What will your healthcare costs be a...
by rkhusky
Tue Jan 10, 2017 9:11 pm
Forum: Investing - Theory, News & General
Topic: Lazy Portfolio with Sector Funds
Replies: 33
Views: 2011

Re: Lazy Portfolio with Sector Funds

And there is a lot of research that over long periods, low volatility stocks outperform the market. There is? Can you link to some of that research? Because that's directly the opposite of what is generally expected from the "risk premium". Volatility does not equal risk. They may be some...
by rkhusky
Tue Jan 10, 2017 9:00 pm
Forum: Personal Consumer Issues
Topic: Anyone else having trouble with unrequested CVS auto-refills?
Replies: 55
Views: 2512

Re: Anyone else having trouble with unrequested CVS auto-refills?

My prescription co-pays get paid out of my FSA whether I pick them up or not.
by rkhusky
Tue Jan 10, 2017 1:22 pm
Forum: Investing - Help with Personal Investments
Topic: Year-end statement is missing my December bond fund and money market fund dividends and showing incorrect Year to Date i
Replies: 29
Views: 2077

Re: Year-end statement is missing my December bond fund and money market fund dividends and showing incorrect Year to Da

We've always looked forward to Vanguard's year-end statement, which show the entire year's account activity in one place, after which we can discard the various saved statements which were issued earlier in the year. Vanguard just posted "December 31, 2016, year to date " statements for o...
by rkhusky
Mon Jan 09, 2017 11:20 am
Forum: Investing - Theory, News & General
Topic: How to know your risk tolerance, without ever living through a crash?
Replies: 29
Views: 2245

Re: How to know your risk tolerance, without ever living through a crash?

Another thing to keep in mind about risk tolerance in a crash is that the drop in stock prices does not occur in a vacuum. There is usually other things going on in the world, like wars and economic collapse of companies and industries, such that all the "experts" and talking heads fear th...
by rkhusky
Sat Jan 07, 2017 8:21 pm
Forum: Investing - Help with Personal Investments
Topic: 8.5% for 2016. Can I do better????
Replies: 27
Views: 4571

Re: 8.5% for 2016. Can I do better????

Why do you want to do better? Is something not working out? 8.5% is good for 70/30 allocation this year. Compare to the following all in one portfolios - Vg TRD 2030, Vg TRD 2035, Vg LS Grth. Vanguard Target Retirement 2030 has an AA of 72/27. Its returns have been 7.85%, 9.50% and 4.98% over 1 yea...
by rkhusky
Sat Jan 07, 2017 8:09 pm
Forum: Investing - Help with Personal Investments
Topic: Company offering Roth 401k for first time. Change to it?
Replies: 13
Views: 1239

Re: Company offering Roth 401k for first time. Change to it?

I would stick with the Roth IRA, unless you need some Traditional to keep you in the 15% bracket and/or out of the child tax credit phaseout.
by rkhusky
Sat Jan 07, 2017 3:57 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard Tax Exempt Bonds
Replies: 6
Views: 738

Re: Vanguard Tax Exempt Bonds

Vanguard has Short Term, Limited Term, Intermediate Term and Long Term Tax Exempt funds - you don't need to go long term. Just because Morningstar says something doesn't mean that it will come true. You can invest in CD's if bonds have you nervous.
by rkhusky
Fri Jan 06, 2017 11:47 pm
Forum: Investing - Help with Personal Investments
Topic: Priority After Retirement Accounts?
Replies: 8
Views: 884

Re: Priority After Retirement Accounts?

If you project an early retirement where you need to live off taxable for a number of years, I would put enough in taxable to cover those years and then start splitting between taxable and mortgage paydown 50/50.
by rkhusky
Fri Jan 06, 2017 11:43 pm
Forum: Investing - Help with Personal Investments
Topic: Anybody else Age - 10 in bonds, rest in stocks
Replies: 58
Views: 3852

Re: Anybody else Age - 10 in bonds, rest in stocks

Age-15 in 2016. Will transition to Age-13 in 2017. Plan to be Age-10 in 2019.
by rkhusky
Fri Jan 06, 2017 11:17 am
Forum: Investing - Theory, News & General
Topic: Skeptical of the hidden risk in Value - convince me
Replies: 37
Views: 2312

Re: Skeptical of the hidden risk in Value - convince me

Standard deviation (SD) does not equal risk. Unfortunately, true risk in investing is hard (impossible?) to compute. I view risk as the probability that my investments will not perform as well as some other choice over my investing future, along with the consequences if the negative side of my choi...
by rkhusky
Fri Jan 06, 2017 11:11 am
Forum: Investing - Help with Personal Investments
Topic: Rebalance Bonds
Replies: 6
Views: 696

Re: Rebalance Bonds

90/10 is okay for an investor your age who is expecting to retire in 30 years. But when do you plan to start decreasing your stock allocation? And what is your target allocation for 5 years before retirement?
by rkhusky
Thu Jan 05, 2017 11:28 am
Forum: Investing - Theory, News & General
Topic: Skeptical of the hidden risk in Value - convince me
Replies: 37
Views: 2312

Re: Skeptical of the hidden risk in Value - convince me

For kicks, I went over to portfoliovisualizer, and entered in VG mid-cap value (VMVIX) 100%, vs. VG mid-cap growth (VMGRX). VMVIX was 18.24% SD vs. VMGRX at 17.28%. A higher SD, implies greater volatility, which implies greater risk. I imagine you could pick any number of other similar comparisons,...
by rkhusky
Tue Jan 03, 2017 12:41 pm
Forum: Investing - Help with Personal Investments
Topic: Is this asset allocation correct?
Replies: 23
Views: 1444

Re: Is this asset allocation correct?

mhalley wrote: You could try shortening the duration, but that will decrease the yield. Plus, I don't think vanguard has a short term muni fund, you might need to go with an etf if you really want munis.

Vanguard does have a short term muni fund (VWSTX, VWSUX).
by rkhusky
Sun Jan 01, 2017 11:40 pm
Forum: Personal Consumer Issues
Topic: Resources for a child gifted in math
Replies: 34
Views: 1752

Re: Resources for a child gifted in math

I had the thought that if someone is good at math, then they need more help with other things like reading, writing, language, and sports. +1. At least make sure they are progressing adequately in these areas,as it is easy and natural to want to concentrate in areas that one is good at. To do well ...
by rkhusky
Wed Dec 28, 2016 1:53 pm
Forum: Personal Finance (Not Investing)
Topic: How much for TLI with major unknown expenses?
Replies: 5
Views: 484

Re: How much for TLI with major unknown expenses?

I think the choice would depend on the cost, which depends on your husband's health. Start with $500K for 20 years. What is the extra cost to bump up to $1M or $2M? What is the extra cost to bump up to 25 or 30 years? 20 years might be enough if you plan to retire in mid-50's.
by rkhusky
Wed Dec 28, 2016 12:11 pm
Forum: Investing - Help with Personal Investments
Topic: Non Tax-Deductible tIRA?
Replies: 16
Views: 1219

Re: Non Tax-Deductible tIRA?

can you roll your existing tIRA into your 401(k)? If so, do you have "good" investments in your 401(k)? Is this dependent on the 401k plan allowing for it? I have low cost index funds in my 401k, as well as the ability to invest in individual securities. Yes, some 401K plans do not allow ...
by rkhusky
Wed Dec 28, 2016 10:29 am
Forum: Investing - Help with Personal Investments
Topic: Non Tax-Deductible tIRA?
Replies: 16
Views: 1219

Re: Non Tax-Deductible tIRA?

I don't think it's advantageous to me as I have another tIRA account that was funded with tax deductible income a few years back. I don't think with the backdoor I can choose only the non tax deductible IRA? If the current tIRA is small, it might be worth it to just pay the taxes on it in order to ...
by rkhusky
Tue Dec 27, 2016 8:17 pm
Forum: Investing - Theory, News & General
Topic: What is your Rebalancing Band (3+ funds)?
Replies: 9
Views: 994

Re: What is your Rebalancing Band (3+ funds)?

I use approximately 1% relative bands within my allocation bins, because I am checking my AA biweekly with every paycheck and rebalancing is so easy (computing the AA takes 10x longer than performing the rebalance). I'm not a slave to the AA though - I'm willing to let the allocation slide a month ...
by rkhusky
Tue Dec 27, 2016 8:12 pm
Forum: Investing - Help with Personal Investments
Topic: Asset Allocation Advice for 23Yr old? Roth IRA
Replies: 13
Views: 638

Re: Asset Allocation Advice for 23Yr old? Roth IRA

Vanguard Target Retirement 2060 is fine. At this point it doesn't matter much, since you can easily switch to something else 5 or 10 years from now, if it turns out to not be exactly what you want. You could also go with TR 2050 if you wanted to be a little more conservative. They have about the sam...
by rkhusky
Tue Dec 27, 2016 12:36 pm
Forum: Investing - Theory, News & General
Topic: [Morningstar article for Vanguard competitors]
Replies: 5
Views: 896

Re: M* article for VG competitors

Another potential spot for competition would be better service at a slightly higher price. E.g., 0.10% vs. 0.12% is not that big a deal for the vast majority of individual investors.
by rkhusky
Tue Dec 27, 2016 12:16 pm
Forum: Investing - Theory, News & General
Topic: What is your Rebalancing Band (3+ funds)?
Replies: 9
Views: 994

Re: What is your Rebalancing Band (3+ funds)?

I use approximately 1% relative bands within my allocation bins, because I am checking my AA biweekly with every paycheck and rebalancing is so easy (computing the AA takes 10x longer than performing the rebalance). I'm not a slave to the AA though - I'm willing to let the allocation slide a month o...
by rkhusky
Tue Dec 27, 2016 12:08 pm
Forum: Investing - Help with Personal Investments
Topic: Help me understand if/why I should buy bonds in this environment
Replies: 21
Views: 2457

Re: Help me understand if/why I should buy bonds in this environment

Frankly, the current environment with stocks rising and bonds dropping is, in my opinion, a good time to become more conservative, either through rebalancing or by following a typical glide path. I would have a harder time moving from stocks to bonds if stocks were dropping and bonds were rising, wh...
by rkhusky
Mon Dec 26, 2016 10:26 am
Forum: Investing - Theory, News & General
Topic: Do you include your Muni Bonds in your overall AA?
Replies: 18
Views: 1819

Re: Do you include your Muni Bonds in your overall AA?

I don't consider my muni bonds as a separate class from my taxable bonds. I separate my bond holdings in terms of duration and quality, basically short/mid & long and AAA/AA & below.
by rkhusky
Mon Dec 26, 2016 1:52 am
Forum: Investing - Help with Personal Investments
Topic: Too much overlap between 2 funds?
Replies: 15
Views: 1365

Re: Too much overlap between 2 funds?

Their reasoning is that S&P 500 cap weighted index funds own too much of mega cap stocks, where as Level3 portfolio has more weighting towards mid/small cap stocks. I think owning equal portions of cap-weighted Large, Mid and Small funds would be much better than a true equal-weighted fund. One...
by rkhusky
Sun Dec 25, 2016 10:41 am
Forum: Investing - Help with Personal Investments
Topic: Too much overlap between 2 funds?
Replies: 15
Views: 1365

Re: Too much overlap between 2 funds?

Does he have any other holdings? This thread is only about his IRA. He has a Roth IRA, his wife has a Roth IRA and a IRA. He should be set for retirement. It is recommended to consider all his holdings, including taxable, together as one portfolio. Many also add in spouse's holdings too. For what i...
by rkhusky
Sat Dec 24, 2016 10:27 am
Forum: Personal Finance (Not Investing)
Topic: It's Dividend Check Time - Like it or Not
Replies: 15
Views: 2785

Re: It's Dividend Check Time - Like it or Not

I recently did a TLH at Vanguard and sold all of the funds involved. As I recall, there was a warning message at the time I sold the funds that the distribution selections would not be retained if the funds were repurchased. I received the same warning, so I went in and re-set my preference even th...
by rkhusky
Tue Dec 20, 2016 11:23 am
Forum: Investing - Theory, News & General
Topic: Over the last 40 years, 71% of the stock market's return came from dividends, not capital appreciation,"
Replies: 91
Views: 8045

Re: Over the last 40 years, 71% of the stock market's return came from dividends, not capital appreciation,"

What I was really driving at was that there is not a mechanical relationship between dividend and price drop after dividend. It is a result of short term trading, which carries some risk if you guess wrong because of non-dividend-related movements in the stock. Yes, it's mechanical. I meant mechani...
by rkhusky
Mon Dec 19, 2016 9:10 am
Forum: Investing - Theory, News & General
Topic: Over the last 40 years, 71% of the stock market's return came from dividends, not capital appreciation,"
Replies: 91
Views: 8045

Re: Over the last 40 years, 71% of the stock market's return came from dividends, not capital appreciation,"

Ah. I think I'm starting to understand now. The question isn't so much about dividends , as it's about how market pricing works . I wrote a post on the topic around a year ago. The overall thread subject is the Efficient Market Hypothesis, but the middle bit of my linked post, because it's critical...

Go to advanced search