Search found 54 matches

by robertmcd
Tue Feb 21, 2017 9:12 am
Forum: Investing - Help with Personal Investments
Topic: Transfer more than 10k from chase to ally
Replies: 3
Views: 376

Transfer more than 10k from chase to ally

I am trying to transfer more than 10k from chase savings to my ally savings account. The chase limit is 10k, but I was wondering if I could initiate the transfer from ally to get around this. I am concerned that Chase will deny the transaction, as they denied my initial transactions of 10k and 5k wh...
by robertmcd
Thu Feb 09, 2017 10:02 am
Forum: Investing - Help with Personal Investments
Topic: VTI and VXUS: Surprised by percentage of non-qualified dividends
Replies: 2
Views: 479

Re: VTI and VXUS: Surprised by percentage of non-qualified dividends

Funds can classify 100% of dividends as qualified if they distribute at least 95% qualified dividends (basically they are allowed to round up). So in prior years VTI has distributed 95.5 or 96% qualified dividends for example, but this time they were just under that threshold.
by robertmcd
Wed Feb 08, 2017 12:01 pm
Forum: Investing - Theory, News & General
Topic: Multifactor Funds Use
Replies: 13
Views: 841

Re: Multifactor Funds Use

Thanks theoretical, I was using IJJ and IVE in that ratio, but did not start it in Jan 2006. So it looks like one could increase the IJS % to get closer to the target loadings.
by robertmcd
Wed Feb 08, 2017 11:59 am
Forum: Investing - Theory, News & General
Topic: Multifactor Funds Use
Replies: 13
Views: 841

Re: Multifactor Funds Use

Yes MTUM is a good option for momentum, and it has 129% turnover. I just don't have confidence in my ability to stick with this fund and implement it in my portfolio without too much doubt in what I am doing. With market, size, and value, you are already covering 90% of what drives investment return...
by robertmcd
Wed Feb 08, 2017 11:39 am
Forum: Investing - Theory, News & General
Topic: Multifactor Funds Use
Replies: 13
Views: 841

Re: Multifactor Funds Use

Yes that is correct, and could be a very good strategy. But one has to determine if it would be better to simply to get more size and value exposure by adding more SCV to ones large cap blend to achieve their desired factor loadings. iShares multifactor US large cap has a .25% expense ratio, 45% tur...
by robertmcd
Tue Feb 07, 2017 8:50 pm
Forum: Investing - Theory, News & General
Topic: Multifactor Funds Use
Replies: 13
Views: 841

Re: Multifactor Funds Use

And as a better answer to your question. If you use any factor loading fund (multifactor or value or size) in combination with a fund with a neutral factor loading, you are halving your factor exposure. Say your multifactor fund has a value loading of .2, if you were to combine it with a market cap ...
by robertmcd
Tue Feb 07, 2017 8:42 pm
Forum: Investing - Theory, News & General
Topic: Multifactor Funds Use
Replies: 13
Views: 841

Re: Multifactor Funds Use

It all depends on how much you want to tilt to specific factors. My main criticism of the multi factor funds is that the ones available to common investors do not have very large factor loadings. The low AUM is also a problem, which by my requirements renders most of the ishares multifactor etfs unu...
by robertmcd
Fri Feb 03, 2017 2:19 pm
Forum: Investing - Help with Personal Investments
Topic: Update on AQR fund access
Replies: 1
Views: 276

Update on AQR fund access

Does anyone have the current status on availability of AQR funds through brokerage platforms. I have been digging around and it looks like at some point they were available at TD Ameritrade, Fidelity, and Scottrade? But I see lots of conflicting reports. I would also be interested in any updates for...
by robertmcd
Thu Feb 02, 2017 4:25 pm
Forum: Investing - Help with Personal Investments
Topic: Treasury bond fund with 5 yr duration vs. 5 yr treasury bond
Replies: 6
Views: 459

Re: Treasury bond fund with 5 yr duration vs. 5 yr treasury bond

I understand that. I am wondering if the individual bond has a much higher duration to account for the much higher yield than the fund?
by robertmcd
Thu Feb 02, 2017 4:10 pm
Forum: Investing - Help with Personal Investments
Topic: Treasury bond fund with 5 yr duration vs. 5 yr treasury bond
Replies: 6
Views: 459

Treasury bond fund with 5 yr duration vs. 5 yr treasury bond

I have a question about comparing an intermediate term treasury bond index with an individual treasury bond. Right now on vanguard you can buy a 5 yr treasury bond with a 2.00% yield. Vanguard's intermediate term treasury fund is currently yielding 1.7% (1.81% for the admiral shares) with a 5.3 yr d...
by robertmcd
Wed Feb 01, 2017 4:12 pm
Forum: Investing - Help with Personal Investments
Topic: Value/Growth Split Question
Replies: 18
Views: 772

Re: Value/Growth Split Question

In the simplest terms you could think of large cap blend as 50/50 growth and value. So if you evenly pair large cap blend (50% growth) with large cap growth (100% growth) you would have 75% growth and 25% value. This would be interpreted as a 50% growth tilt (you own 50% more growth than the market ...
by robertmcd
Wed Feb 01, 2017 3:20 pm
Forum: Investing - Theory, News & General
Topic: PSA: IUSV Core Russell US Value ETF index change
Replies: 8
Views: 891

Re: PSA: IUSV Core Russell US Value ETF index change

Bump for visibility.

I was hoping someone could chime in with the factor loadings for IUSV's new index? Also if anyone knows if IUSV's new index screens out negative momentum? I know IJS does.
by robertmcd
Wed Feb 01, 2017 10:32 am
Forum: Investing - Theory, News & General
Topic: PSA: IUSV Core Russell US Value ETF index change
Replies: 8
Views: 891

Re: PSA: IUSV Core Russell US Value ETF index change

So this should give this fund a greater negative size exposure correct? But what about it's value exposure? When I run a regression in portfolio visualizer that ends in Dec 16, it has a .95 mkt, -.04 size, .38 value, and .02 mom. I am curious about this because it looked like it could be a great opt...
by robertmcd
Mon Jan 30, 2017 2:11 pm
Forum: Investing - Help with Personal Investments
Topic: Help finding financial advisor for parents
Replies: 6
Views: 688

Re: Help finding financial advisor for parents

I agree that most financial advisors are sharks, like edwards jones, merill lynch, etc. This is also how I feel about their RBC accounts, who have been paying themselves by pulling money out of their IRA (I explained how awful this is when they are in such a high bracket and could just be paying out...
by robertmcd
Mon Jan 30, 2017 12:14 pm
Forum: Investing - Help with Personal Investments
Topic: Help finding financial advisor for parents
Replies: 6
Views: 688

Help finding financial advisor for parents

I am looking for a financial advisor for my parents who are 56 yrs old. They currently have their 500k in IRA assets with RBC wealth management. They have about 2-3 million in cash sitting in checking accounts right now. I am not convinced that RBC is worth their fees (I think they are about 1-1.25%...
by robertmcd
Thu Jan 26, 2017 10:26 pm
Forum: Investing - Help with Personal Investments
Topic: Suggested Funds/ETFs for Small Cap & EM Tilt
Replies: 11
Views: 1025

Re: Suggested Funds/ETFs for Small Cap & EM Tilt

If you are looking for a tilt you could also consider a small cap value tilt which is very popular around here. IJS is one the best etfs for this. For emerging markets IEMG (ishares core emerging markets) is a great low cost options that includes large mid and small emerging companies.
by robertmcd
Wed Jan 25, 2017 4:43 pm
Forum: Investing - Theory, News & General
Topic: Swedroe's guidelines to Bonds
Replies: 113
Views: 8465

Re: Swedroe's guidelines to Bonds

Thank you larry. I plan on using 2.1% 5 yr CDs with a 3 month EWP as my 60% fixed income allocation in taxable. With my limited roth space (only tax advantaged space now) of 12k for my international value, emerging markets value, and int/em small cap. One more question though, if I am planning on bu...
by robertmcd
Wed Jan 25, 2017 4:05 pm
Forum: Investing - Theory, News & General
Topic: Swedroe's guidelines to Bonds
Replies: 113
Views: 8465

Re: Swedroe's guidelines to Bonds

What is larry's opinion on using vanguard inter term government bond index vs inter term treasury? the admiral shares government index is currently yielding 1.93% vs the admiral shares treasury 1.81%. Isn't the government index protected against default risk?
by robertmcd
Wed Jan 25, 2017 1:55 pm
Forum: Investing - Help with Personal Investments
Topic: Question about Merill Edge deposit options
Replies: 2
Views: 310

Question about Merill Edge deposit options

I am considering moving from Vanguard to Merill Edge. I have about 50k in Vanguard mutual funds that I plan on converting to ETFs and then transferring. I am doing this for the bonus, the credit card benefits, and the 30 free etf trades per month. I plan on adopting a factor based investing approach...
by robertmcd
Mon Jan 23, 2017 2:49 pm
Forum: Investing - Theory, News & General
Topic: Comparing EM value options [Emerging Market]
Replies: 35
Views: 2878

Re: Comparing EM value options [Emerging Market]

Well I'm (not) a man of my convictions. I initially went with GEM because I had drunk the multi-factor koolaid. But upon closer examination due to this thread, I decided to use the koolaid on EWX instead because it clearly seems to be the closest thing to EM SCV out there (ex-DFA). I have a stronge...
by robertmcd
Mon Jan 23, 2017 2:32 pm
Forum: Personal Finance (Not Investing)
Topic: Mortgage VS Payoff
Replies: 16
Views: 1618

Re: Mortgage VS Payoff

If you can wait for the home in Colorado to sell then you could make a cash offer for the new house. Ask yourself this, would you borrow money at 4% to invest in the stock market right now? I know I wouldn't. It is a little different if you are young and starting a life/home/family, in which case I ...
by robertmcd
Mon Jan 23, 2017 10:43 am
Forum: Investing - Theory, News & General
Topic: Comparing EM value options [Emerging Market]
Replies: 35
Views: 2878

Re: Comparing EM value options [Emerging Market]

Thanks for chiming in guys. As far as using the schwab fundamental mutual funds, I will definitely use them vs. the etfs if I am placing them in a tax-advantaged account, but for taxable I thought the etfs would be much more efficient. I considered using FNDC (Schwab Fundamental International Small ...
by robertmcd
Fri Jan 20, 2017 11:03 am
Forum: Investing - Theory, News & General
Topic: Comparing EM value options [Emerging Market]
Replies: 35
Views: 2878

Re: Comparing EM value options [Emerging Market]

And back to the fund selection, I plan on using most of my tax advantaged on us small cap value, but will go from there. I am also considering a combination of these for my international. SPDR® S&P® Emerging Markets Small Cap ETF (EWX) 12% SPDR® S&P® International Small Cap ETF (GWX) 35% Sch...
by robertmcd
Fri Jan 20, 2017 10:50 am
Forum: Investing - Theory, News & General
Topic: Comparing EM value options [Emerging Market]
Replies: 35
Views: 2878

Re: Comparing EM value options [Emerging Market]

Thank you for the response Larry. This forum is pretty amazing in how nonchalant it is for a beginner investor to get advice from some of the best investment advisors in the world on here. In response to some of the reply's. If I had access to AQR and DFA funds I would definitely prefer them over my...
by robertmcd
Thu Jan 19, 2017 11:36 pm
Forum: Investing - Theory, News & General
Topic: Comparing EM value options [Emerging Market]
Replies: 35
Views: 2878

Re: Comparing EM value options [Emerging Market]

I considered TLTE but was turned off by the higher ER and spread, higher turnover, and lower AUM. I do think it is still a good option though.
by robertmcd
Thu Jan 19, 2017 11:26 pm
Forum: Investing - Theory, News & General
Topic: Comparing EM value options [Emerging Market]
Replies: 35
Views: 2878

Re: Comparing EM value options [Emerging Market]

Thank you for pointing that put. I think I am leaning towards using a combination of FNDE and VSS to get emerging markets value and small/mid exposure, and pairing it with an developed markets value fund. I like FNDE's lower ER and spread, and I believe the schwab fund should continue to add AUM due...
by robertmcd
Thu Jan 19, 2017 10:37 pm
Forum: Investing - Theory, News & General
Topic: Comparing EM value options [Emerging Market]
Replies: 35
Views: 2878

Re: Comparing EM value options [Emerging Market]

How can I find out which value funds screen out momentum?
by robertmcd
Thu Jan 19, 2017 10:35 pm
Forum: Investing - Theory, News & General
Topic: Comparing EM value options [Emerging Market]
Replies: 35
Views: 2878

Re: Comparing EM value options [Emerging Market]

Okay thank you very much for the reply. I am new to this and was using portfolio visualizer and simply using global ex-us. That could explain all of the issues I am having. I am really working on gaining an understanding past the one's I am used to using ( p/e, p/b, etc.). I will plan on using the m...
by robertmcd
Thu Jan 19, 2017 9:31 pm
Forum: Investing - Theory, News & General
Topic: Comparing EM value options [Emerging Market]
Replies: 35
Views: 2878

Comparing EM value options [Emerging Market]

I have just finished reading swedroe's complete guide to factor based investing, and I have been researching ETF's for each asset class/factor that I will be targeting. Emerging markets value is an interesting one that I'm sure everyone wished they had access to DFA for. I am screening them by asset...
by robertmcd
Tue Jan 17, 2017 12:06 pm
Forum: Investing - Help with Personal Investments
Topic: Question about iShares multi factor etfs
Replies: 0
Views: 171

Question about iShares multi factor etfs

How do iShares tilt toward momentum in their multifactor etfs versus their momentum factor etfs? or do they simply screen it out like dfa? I am looking at factor investing with us small cap value, international small cap value, emerging markets value, emerging markets small, but I am interested in h...
by robertmcd
Mon Jan 16, 2017 3:35 pm
Forum: Investing - Theory, News & General
Topic: Ultimate Buy and Hold - 8 slices vs 4
Replies: 682
Views: 278194

Re: Ultimate Buy and Hold - 8 slices vs 4

Bringing up an old thread, but what would be the stock/bond allocation for the 4 fund ultimate buy and hold that would match the return of 40%TSM/40%Total international/20% ITT? I know it is past performance and all that but I would just like an idea. I am 23 and have a lot of cash to invest. I have...
by robertmcd
Fri Jan 13, 2017 9:04 pm
Forum: Investing - Help with Personal Investments
Topic: Asset Allocation Review
Replies: 2
Views: 162

Re: Asset Allocation Review

Age: 23 Debt: 0 Tax filing: single Tax rate: 25% federal, 0% state Texas Emergency Funds: Currently have about 107k in cash earning 1% Investments: 40k in TSM, TISM, mid cap growth index (don't want this but have 4k in gains) My plan basically rides on my decision of how much risk to take. I may wan...
by robertmcd
Fri Jan 13, 2017 8:41 pm
Forum: Investing - Help with Personal Investments
Topic: Asset Allocation Review
Replies: 2
Views: 162

Asset Allocation Review

I would like yall's opinions on this allocation for my equities. 70% US , 30% International US: 67% total stock market index in taxable/IRA (whatever is left over from REIT & SCV) 25% vanguard small cap value index in IRA 8% vanguard REIT index in IRA International: 75% total international stock...
by robertmcd
Wed Jan 11, 2017 2:36 pm
Forum: Investing - Help with Personal Investments
Topic: Recent Graduate investing with different goals
Replies: 3
Views: 322

Re: Recent Graduate investing with different goals

I know that I can pull out of my roth, but I am so limited on tax-advantaged accounts I don't want to do that. I guess my main concern is that I don't see the point in having a set AA like 90% equities, 10% bonds in my vanguard account when I have so much money on the side. I think the plan of setti...
by robertmcd
Wed Jan 11, 2017 12:49 pm
Forum: Investing - Help with Personal Investments
Topic: Recent Graduate investing with different goals
Replies: 3
Views: 322

Recent Graduate investing with different goals

Age:23 Vanguard Roth: 11k in TSM Vanguard taxable: 11k TISM, 7k mid cap growth index (don't want this but I have 4K in gains), 4k TSM Cash: 112k earning 1% Income: 60k no 401k, I expect my income to rise somewhat significantly over the next few years. I am a petroleum engineering graduate and was lu...
by robertmcd
Tue Jan 10, 2017 9:53 pm
Forum: Investing - Help with Personal Investments
Topic: Investing help
Replies: 9
Views: 669

Re: Investing help

Sorry I missed your last question about the balanced fund. I would go with a three fund over this because it will have lower expenses and actually end up being simpler then having to deal with a balanced fund in addition to the others when calculating your asset allocation. I would first figure your...
by robertmcd
Tue Jan 10, 2017 9:47 pm
Forum: Investing - Help with Personal Investments
Topic: Investing help
Replies: 9
Views: 669

Re: Investing help

If you are looking for simplicity when rebalancing by adding money to taxable. I would invest in the investor shares of total stock market and total international. The lower expense ratio of the ETFs will not be significant until the point where you have a significant amount in the funds (at which p...
by robertmcd
Tue Jan 10, 2017 11:24 am
Forum: Investing - Help with Personal Investments
Topic: Sell in taxable and pay taxes in order to simplify
Replies: 2
Views: 281

Re: Sell in taxable and pay taxes in order to simplify

Those were my thoughts as well. I may plan on going back to school in which case I can tax gain harvest those gains. I guess I dropped the ball on tax gain harvesting for 2016.
by robertmcd
Tue Jan 10, 2017 11:21 am
Forum: Investing - Theory, News & General
Topic: International Value Index
Replies: 1
Views: 289

International Value Index

Do you guys think Vanguard will eventually create an international value index fund? One of the main reasons I believe they haven't is due to cannibalizing from their actively managed VTRIX fund. One of the few funds that I really wish Vanguard had
by robertmcd
Tue Jan 10, 2017 11:06 am
Forum: Investing - Help with Personal Investments
Topic: Sell in taxable and pay taxes in order to simplify
Replies: 2
Views: 281

Sell in taxable and pay taxes in order to simplify

Hi everyone, I was given money in a vanguard money market account a few years ago from my grandfather and he then bought some investments with it, including emerging markets index, international value, and mid cap growth index. I have been investing in TSM in my roth and total international/TSM in t...
by robertmcd
Mon Jan 02, 2017 5:01 pm
Forum: Investing - Help with Personal Investments
Topic: Starting a new job, looking for some advice on Thrift Savings Plan vs. 401k and Roth vs. Traditional
Replies: 5
Views: 552

Re: Starting a new job, looking for some advice on Thrift Savings Plan vs. 401k and Roth vs. Traditional

I would not worry too much about the fees when it comes to the difference between the tsp and vanguard options, they are like to be .03 vs. 04, etc if you have access to institutional vanguard funds. You should have no problem getting the allocation you want between all 3 options. An advantage of th...
by robertmcd
Thu Dec 29, 2016 4:13 pm
Forum: Investing - Help with Personal Investments
Topic: TSP F Fund or Vanguard Funds?
Replies: 38
Views: 2096

Re: TSP F Fund or Vanguard Funds?

If your plan is to hold those funds until rates rise making the G fund more attractive, prepare to lose money. If rates rise multiply the duration of your bond fund by the rate increase and you will get your NAV drop. For example: if there are three .25% rate increases in 2017 and your bond fund has...
by robertmcd
Thu Dec 29, 2016 3:55 pm
Forum: Investing - Help with Personal Investments
Topic: TSP F Fund or Vanguard Funds?
Replies: 38
Views: 2096

Re: TSP F Fund or Vanguard Funds?

The return changes every month according to the loan interest rate, basically giving it a 1-month duration. In the prior months for this year it was returning 1.5%, or 1.65%, or 1.75%, etc. so the YTD is basically the average of the 11 prior months loan rates.
by robertmcd
Thu Dec 29, 2016 12:42 pm
Forum: Investing - Help with Personal Investments
Topic: TSP F Fund or Vanguard Funds?
Replies: 38
Views: 2096

Re: TSP F Fund or Vanguard Funds?

That YTD return you have is correct. I am looking at the current yield with rates going forward. Here is the link with the current rate. http://www.tspfolio.com/tspgfundinterestrate I believe the G fund is as close you can get to a free lunch with fixed income. If rates continue to rise it's like ha...
by robertmcd
Thu Dec 29, 2016 11:25 am
Forum: Investing - Help with Personal Investments
Topic: TSP F Fund or Vanguard Funds?
Replies: 38
Views: 2096

Re: TSP F Fund or Vanguard Funds?

The yield is not low. The yield for the month of December was 2.375%, higher than TBM. The yield is calculated monthly based on the current yield of treasuries with greater than 4 years to maturity. In a situation where there are rising interest rates, it will perform much better than TBM as it will...
by robertmcd
Mon Dec 19, 2016 9:42 pm
Forum: Personal Finance (Not Investing)
Topic: Chase $500 Bonus For New Checking/Savings Accounts - Worth It?
Replies: 28
Views: 3513

Re: Chase $500 Bonus For New Checking/Savings Accounts - Worth It?

I recently did this, mainly because I was wanting to establish a relationship with chase and get 15k in a savings so they would give me a credit card with limited history. After waiting in line at the branch for 30 min, talking with the banker for an hour to set it up I got it done. However, you hav...
by robertmcd
Sun Dec 18, 2016 3:35 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard Intermediate Term Investment Grade as part of 3-fund portfolio
Replies: 12
Views: 1388

Vanguard Intermediate Term Investment Grade as part of 3-fund portfolio

What are yall's opinions on holding Vanguard's Intermediate Term Investment Grade Bond Fund as one's core bond holding? Looking at its history it didn't fare as well through 2008 as TBM, but came back fairly quickly. The admiral shares has a good ER of 0.1% but requires 50k so that would be a bit of...
by robertmcd
Sun Dec 18, 2016 12:52 pm
Forum: Personal Finance (Not Investing)
Topic: H&R Block Tax Software for 2016
Replies: 76
Views: 7601

Re: 12/18/16 Deal - H&R Block 2016 @ Amazon

Is this all I need if I will be claiming some tax losses to offset ordinary income (my losses are in vanguard, some specID and some avgcost)?
by robertmcd
Sun Dec 11, 2016 10:25 pm
Forum: Investing - Help with Personal Investments
Topic: Taxable versus nontaxable
Replies: 6
Views: 680

Re: Taxable versus nontaxable

Just out of curiosity what is your SVF yielding?

Go to advanced search