Search found 31 matches

by robertmcd
Fri Jan 20, 2017 11:03 am
Forum: Investing - Theory, News & General
Topic: Comparing EM value options [Emerging Market]
Replies: 20
Views: 1332

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: 20
Views: 1332

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: 20
Views: 1332

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: 20
Views: 1332

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: 20
Views: 1332

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: 20
Views: 1332

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: 20
Views: 1332

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: 122

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: 275295

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: 152

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: 152

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: 303

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: 303

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: 635

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: 635

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: 255

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: 274

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: 255

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: 516

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: 1952

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: 1952

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: 1952

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: 1952

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: 3303

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: 1308

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: 70
Views: 6361

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: 659

Re: Taxable versus nontaxable

Just out of curiosity what is your SVF yielding?
by robertmcd
Tue Aug 30, 2016 10:24 am
Forum: Investing - Help with Personal Investments
Topic: 5 yr CD with 6 month interest withdrawal penalty
Replies: 4
Views: 650

5 yr CD with 6 month interest withdrawal penalty

Does anyone have any suggestions for 5 yr CD's with good APY but only a 6 month interest penalty on early withdrawals. I want to set up some short term savings goals and I am trying to decide on a CD ladder or just a good 5 yr CD, from what I have been reading it seems that sometimes even with the p...
by robertmcd
Wed Aug 10, 2016 11:46 am
Forum: Investing - Help with Personal Investments
Topic: Short term savings investment options
Replies: 4
Views: 567

Re: Short term savings investment options

Isn't there substantial interest rate risk with that investment? It has an average duration of 5.3 years. If the fed raises rates by say .25% every six months for the next 3 years couldn't I lose quite a bit without ever regaining it in my timeframe?
by robertmcd
Wed Aug 10, 2016 11:16 am
Forum: Investing - Help with Personal Investments
Topic: Short term savings investment options
Replies: 4
Views: 567

Short term savings investment options

I am a recent graduate earning 50k/yr with no debts and I have about 105k in a savings account earning 1%, 5500 in a roth (vanguard target retirement) just invested, and 19k in a vanguard taxable account consisting of 7k in mid cap growth (had for awhile), 5k in emerging markets (had for awhile), 4k...
by robertmcd
Tue Aug 09, 2016 9:11 am
Forum: Investing - Help with Personal Investments
Topic: Cover Vanguard ETF purchase with Ally Savings
Replies: 3
Views: 396

Cover Vanguard ETF purchase with Ally Savings

Does anyone know if I can buy a Vanguard ETF without money in a money market fund, wait for the transaction to go through and then purchase the correct amount in the money market fund using the link to my Ally Savings? I've read that some people are doing it with their linked bank accounts but I did...

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