Search found 21 matches

by rollsound
Sun Oct 15, 2017 1:24 pm
Forum: Investing - Theory, News & General
Topic: What's your asset allocation and why?
Replies: 160
Views: 13615

Re: What's your asset allocation and why?

No fixed AA. I keep 10 years of annual expenses in bonds and the rest of my money is in stocks. Currently, I'm 30% bonds and 70% stocks. If there is a big drop in the market, I would not have to sell any of my stocks for 10 years. Hopefully that would give the market enough time to recover. this ma...
by rollsound
Fri Apr 21, 2017 11:58 am
Forum: Investing - Theory, News & General
Topic: Article-Argument against Buffet and Bogle's International Advice
Replies: 36
Views: 4634

Re: Article-Argument against Buffet and Bogle's International Advice

Yeah, I've never quite understood why "total markets" people would be satisfied with just the embedded international component of large U.S. companies, since that is not exactly representative of the total international market. It did feed into my decision to be only 40% international and...
by rollsound
Fri Apr 07, 2017 2:59 pm
Forum: Investing - Help with Personal Investments
Topic: Allocation Advice
Replies: 18
Views: 1772

Re: Allocation Advice

thought so thank you
by rollsound
Fri Apr 07, 2017 12:33 pm
Forum: Investing - Help with Personal Investments
Topic: Allocation Advice
Replies: 18
Views: 1772

Re: Allocation Advice

Hi, the preferred location for each asset type in order of most preferred location to least preferred location according to US tax laws: * US stock: Roth IRA, taxable, traditional IRA * international stock: taxable, Roth IRA, traditional IRA * bond: traditional IRA, Roth IRA, taxable * REIT: Roth I...
by rollsound
Mon Mar 20, 2017 12:47 am
Forum: Investing - Theory, News & General
Topic: 15% International Small-Cap vs 30% Total International
Replies: 47
Views: 4210

Re: 15% International Small-Cap vs 30% Total International

rollsound, one thing I didn't see mentioned is if this would be in a taxable account? Roughly half of the dividends from VSS are not qualified. Maybe that doesn't matter if only holding half the amount you would otherwise hold in a total international fund like VXUS with around 70% QDI. good point,...
by rollsound
Mon Mar 20, 2017 12:46 am
Forum: Investing - Theory, News & General
Topic: 15% International Small-Cap vs 30% Total International
Replies: 47
Views: 4210

Re: 15% International Small-Cap vs 30% Total International

rollsound - considering the backtester that triceratops linked and what Larry Swedroe noted, you could achieve the same results as shown for backtester portfolio 3 with 20% US small cap value, 20% International Small, 30% TIPS & 30% Short Term Treasuries (try plugging in these values), and ther...
by rollsound
Wed Mar 15, 2017 4:40 pm
Forum: Investing - Theory, News & General
Topic: 15% International Small-Cap vs 30% Total International
Replies: 47
Views: 4210

Re: 15% International Small-Cap vs 30% Total International

I don't think your backtest is a good one; US Stocks outperformed International Stocks over that period, so less international of any kind would help you. But you're right about lower correlations helping your risk-adjusted returns. Let's try a backtest that is actually more fair (Portfolio 3 here ...
by rollsound
Wed Mar 15, 2017 4:37 pm
Forum: Investing - Theory, News & General
Topic: 15% International Small-Cap vs 30% Total International
Replies: 47
Views: 4210

Re: 15% International Small-Cap vs 30% Total International

willthrill81 wrote:
rollsound wrote:thanks Larry Swedroe. I agree, waiting for a Vanguard SCV index fund to appear...


You mean international SCV?


fixed, thanks
by rollsound
Wed Mar 15, 2017 4:33 pm
Forum: Investing - Theory, News & General
Topic: 15% International Small-Cap vs 30% Total International
Replies: 47
Views: 4210

Re: 15% International Small-Cap vs 30% Total International

I don't think your backtest is a good one; US Stocks outperformed International Stocks over that period, so less international of any kind would help you. But you're right about lower correlations helping your risk-adjusted returns. Let's try a backtest that is actually more fair (Portfolio 3 here ...
by rollsound
Wed Mar 15, 2017 4:30 pm
Forum: Investing - Theory, News & General
Topic: 15% International Small-Cap vs 30% Total International
Replies: 47
Views: 4210

Re: 15% International Small-Cap vs 30% Total International

thanks Larry Swedroe. I agree, waiting for a intl Vanguard SCV index fund to appear...
by rollsound
Wed Mar 15, 2017 4:05 pm
Forum: Investing - Theory, News & General
Topic: 15% International Small-Cap vs 30% Total International
Replies: 47
Views: 4210

15% International Small-Cap vs 30% Total International

Anyone else using solely international small-caps (e.g. VSS, VFSVX) for the international portion of their equities? When I joined this site recently, I was dead-set on 100% VTSAX US Total Stock Market, but I've since decided to add some international. I like how the small-caps are a little less cor...
by rollsound
Wed Jan 04, 2017 4:39 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard International Small Cap Value etf or fund
Replies: 13
Views: 890

Re: Vanguard International Small Cap Value etf or fund

is anyone using a smaller amount of VSS instead of a larger amount of VTIAX? i'm about to embark on that path.
by rollsound
Sun Jan 01, 2017 3:24 pm
Forum: Investing - Help with Personal Investments
Topic: Transferring everything from Betterment to Vanguard, considering 100% VTSAX
Replies: 13
Views: 2057

Re: Transferring everything from Betterment to Vanguard, considering 100% VTSAX

On other additional note: Would it be possible to consolidate accounts? Appears to have a lot of accounts with low balances. If you have a strategy, now would be the time to implement it with low balances and capital gains (if any). yes great idea. i believe i can roll my traditional into my SEP ea...
by rollsound
Sun Jan 01, 2017 3:19 pm
Forum: Investing - Help with Personal Investments
Topic: Transferring everything from Betterment to Vanguard, considering 100% VTSAX
Replies: 13
Views: 2057

Re: The Three-Fund Portfolio

It may be a mistake to put 100% of your portfolio in U.S. stocks--especially if you were not invested in the 2008 bear market which helped determine our risk-tolerance. Taylor grateful for your input Taylor! at the very least now I'm considering a 2-Fund portfolio, maybe adding 20% VTIAX. Happy New...
by rollsound
Sat Dec 31, 2016 3:10 pm
Forum: Investing - Help with Personal Investments
Topic: Transferring everything from Betterment to Vanguard, considering 100% VTSAX
Replies: 13
Views: 2057

Re: Transferring everything from Betterment to Vanguard, considering 100% VTSAX

The point of (2) is that when you sell $1000 worth of Fund X in a taxable account, only the portion representing *gains* is taxable. A $1000 dividend is fully taxable. well then i'm not sure i see why dividends are important! had another question for anyone on a separate topic: if i were to TLH VTS...
by rollsound
Fri Dec 30, 2016 5:47 pm
Forum: Investing - Help with Personal Investments
Topic: Transferring everything from Betterment to Vanguard, considering 100% VTSAX
Replies: 13
Views: 2057

Transferring everything from Betterment to Vanguard, considering 100% VTSAX

Hello Bogleheads, I'm starting anew after trying out Betterment for the last couple years. The more I learn from this community the less I feel I need a robo-advisor, and I decided that delaying the switch to Vanguard would simply incur extra capital gains taxes. And I'm not a fan of their ex-US wei...
by rollsound
Thu Dec 29, 2016 2:24 am
Forum: Personal Finance (Not Investing)
Topic: "How An S Corporation Can Reduce FICA Self-Employment Taxes" by Michael Kitces
Replies: 14
Views: 1607

Re: "How An S Corporation Can Reduce FICA Self-Employment Taxes" by Michael Kitces

DSInvestor wrote:Solo 401k also has the advantage that it is not an IRA which leaves open the option to use the backdoor into Roth IRA.

thanks, can you not just convert the SEP IRA to a Roth (for a Roth Conversion Ladder for example)?
by rollsound
Wed Dec 28, 2016 10:04 pm
Forum: Personal Finance (Not Investing)
Topic: "How An S Corporation Can Reduce FICA Self-Employment Taxes" by Michael Kitces
Replies: 14
Views: 1607

Re: "How An S Corporation Can Reduce FICA Self-Employment Taxes" by Michael Kitces

great article, thanks. i own an s-corp, and have recently been thinking about its effects on my SEP IRA. i pay myself about 60% salary and 40% via distributions, and I don't need to pay the ~15% payroll tax with the distributions. however with a higher salary (and a lower amount of distributions), i...
by rollsound
Wed Dec 21, 2016 1:20 pm
Forum: Investing - Help with Personal Investments
Topic: Help me get back into the market
Replies: 24
Views: 3892

Re: Help me get back into the market

It looks like you know your asset allocation and strategy and all that stuff already. What you are looking for help on, is the mindset to help you decide when and how to take the plunge to deploy your money again. I recommend you buy in to the market in conformance with your asset allocation right ...