Search found 131 matches

by sanfran2015
Sun Aug 13, 2017 9:19 pm
Forum: Investing - Help with Personal Investments
Topic: Healthequity HSA
Replies: 9
Views: 864

Re: Healthequity HSA

I have 2 HSA accounts with Health Equity (1 is in my wife's name). Both of our employers have agreements with them for direct deposit off contributions. The fee to access Vanguard funds is 0.4% per year. Even when adding that to the fund expenses it's still less than the ERs of the active funds the...
by sanfran2015
Sun Aug 13, 2017 12:35 am
Forum: Investing - Help with Personal Investments
Topic: Healthequity HSA
Replies: 9
Views: 864

Healthequity HSA

Does anyone have experience with Healthequity as an HSA provider? Their investment offering is not Boglehead friendly at all and they charge a fee for select VG funds. What funds are good investment options from their offering?
by sanfran2015
Thu Jul 27, 2017 12:27 am
Forum: Investing - Help with Personal Investments
Topic: How do I get back to my asset allocation?
Replies: 14
Views: 1586

Re: How do I get back to my asset allocation?

Op, Thanks for opening up and starting this thread. I woke up this morning full of angst for the market, this country and my personal retirement plans. Was sitting here thinking, maybe I should shift from 60/40 to 30/70 and go into full protection mode. This was the first thread I saw over my morni...
by sanfran2015
Tue Jul 25, 2017 12:39 am
Forum: Investing - Help with Personal Investments
Topic: How do I get back to my asset allocation?
Replies: 14
Views: 1586

Re: How do I get back to my asset allocation?

I tried to market time and now regretting it. Help me get back in. At the end of last year, I rebalanced to an ultra-conservative position (35-65 stock-bond) in a simple Three-Fund portfolio. I did so because I had convinced myself that the market had peaked and so I figured I would wait it out bef...
by sanfran2015
Sun Jul 23, 2017 3:43 pm
Forum: Investing - Help with Personal Investments
Topic: How do I get back to my asset allocation?
Replies: 14
Views: 1586

How do I get back to my asset allocation?

I tried to market time and now regretting it. Help me get back in. At the end of last year, I rebalanced to an ultra-conservative position (35-65 stock-bond) in a simple Three-Fund portfolio. I did so because I had convinced myself that the market had peaked and so I figured I would wait it out befo...
by sanfran2015
Sat Jul 15, 2017 2:45 pm
Forum: Personal Finance (Not Investing)
Topic: Share your net worth progression
Replies: 566
Views: 143873

Re: Share your net worth progression

All January 1 dates: 2006: $225,472 (was 33 when I started keeping records) 2007: $537,747 2008: $539,148 (market had been tanking a bit here) 2009: $536,507 2010: $558,385 2011: $636,406 2012: $658,082 2013: $767,304 2014: $1,071,910 (woooo wooo 7 figures finally!) 2015: $1,236,865 2016: $1,402,91...
by sanfran2015
Fri Jul 14, 2017 10:20 pm
Forum: Personal Finance (Not Investing)
Topic: Share your net worth progression
Replies: 566
Views: 143873

Re: Share your net worth progression

2009: -$9,000 (age 22 with student loans. Got my first big boy job in the middle of the year) 2010: $50,620 2011: $96,113 2012: $194,511 (switched jobs for a substantially higher salary) 2013: $313,981 2014: $496,969 2015: $646,197 2016: $843,126 (switched jobs again for higher pay) 2017 YTD: $1,01...
by sanfran2015
Mon Jun 12, 2017 12:39 am
Forum: Personal Finance (Not Investing)
Topic: Share your net worth progression
Replies: 566
Views: 143873

Re: Share your net worth progression

Anesthesiologist and Intensive Care physician here, now approaching 2 years out of training. Sept 2015 = NEGATIVE $185,000 was my ENW June 2017 = Just hit the POSITIVE $100k ENW ... kinda proud. Liability is still student loans, but I've been maxing the backdoor Roth, 403B plan, saving for an event...
by sanfran2015
Sat Jun 10, 2017 1:02 pm
Forum: Personal Finance (Not Investing)
Topic: Share your net worth progression
Replies: 566
Views: 143873

Re: Share your net worth progression

This is a great thread to follow along on how net worth accumulates/compounds over time for various people.
by sanfran2015
Tue Jun 06, 2017 1:56 am
Forum: Investing - Help with Personal Investments
Topic: Benefits of Flagship
Replies: 26
Views: 4281

Re: Benefits of Flagship

Nope. You can't. PAS service is independent of Flagship status.
by sanfran2015
Sun May 28, 2017 11:55 pm
Forum: Investing - Help with Personal Investments
Topic: 3 fund portfolio with munis
Replies: 4
Views: 638

3 fund portfolio with munis

What is the 3-fund portfolio construction using muni bonds instead of total bond?

My guess is it would be:
VTSMX Total US stock
VGTSX Total Intl stock
VWITX Intermediate Term Tax Exempt

Is this inline with Boglehead 3-fund approach? What % allocation for each is recommended?

Thanks
by sanfran2015
Sun May 28, 2017 11:53 pm
Forum: Investing - Theory, News & General
Topic: The Three-Fund Portfolio
Replies: 1838
Views: 1077945

Re: The Three-Fund Portfolio

Is there a 3-fund portfolio equivalent of using muni bonds instead of total bond?

My guess is it would be:
VTSMX Total US stock
VGTSX Total Intl stock
VWITX Intermediate Term Tax Exempt

Is this inline with Boglehead 3-fund approach?

Thanks
by sanfran2015
Sat May 20, 2017 12:51 am
Forum: Investing - Help with Personal Investments
Topic: Convince me to get back into stocks!
Replies: 83
Views: 6548

Re: Convince me to get back into stocks!

Why do people think the stock market is high? The S&P 500 average annual return from 2000-2016 was only 2.3%. It was went down like hell from 2000-2009 and has only just recovered a bit. The long term average is 10% which leaves huge head room to grow just to return to the historical average. W...
by sanfran2015
Sat May 13, 2017 10:48 pm
Forum: Investing - Help with Personal Investments
Topic: Time to reach 1M and 2M milestones
Replies: 143
Views: 35926

Re: Time to reach 1M and 2M milestones

TheTimeLord wrote:Just to put this thread into perspective.

Image

https://dqydj.com/net-worth-in-the-unit ... -centiles/


For folks who have a net worth of >$2M, you are in the top 5% of Americans!
by sanfran2015
Sat May 13, 2017 10:43 pm
Forum: Investing - Help with Personal Investments
Topic: Time to reach 1M and 2M milestones
Replies: 143
Views: 35926

Re: Time to reach 1M and 2M milestones

If we are measuring in net worth, I hit the 1M mark 5 years after graduating college. 2 years later (just this year) I hit the 2M mark. I was lucky to find a lot of success in my work in the past 3 years that allowed me to grow this figure quickly. I wish I found this forum sooner, for me almost al...
by sanfran2015
Sat May 13, 2017 4:13 pm
Forum: Investing - Help with Personal Investments
Topic: Time to reach 1M and 2M milestones
Replies: 143
Views: 35926

Re: Time to reach 1M and 2M milestones

The time to get from $1M to $2M seems too quick - 3-5 years for most folks who replied.
by sanfran2015
Mon Mar 13, 2017 1:18 am
Forum: Investing - Help with Personal Investments
Topic: Flagship
Replies: 3
Views: 831

Flagship

Does anyone know how long it takes VG to update the account status to Select / Flagship when the account minimum requirements have been met? I assume that they update status automatically, but it has been over a month and they havent changed it yet. Wondering if I need to call.
by sanfran2015
Sat Feb 18, 2017 10:52 pm
Forum: Investing - Help with Personal Investments
Topic: Question about mutual fund dividends
Replies: 2
Views: 458

Question about mutual fund dividends

Simple question about mutual fund dividends (e.g. VTSAX):

Dividends are paid out quarterly. Are they pro-rated to how long you have owned the fund?

If I purchased shares the day before dividend issued, do I get the full dividend/share? Or is it pro-rated for the quarter?
by sanfran2015
Mon Oct 05, 2015 10:31 pm
Forum: Investing - Help with Personal Investments
Topic: Wash rules for tax-exempt Muni bonds
Replies: 8
Views: 989

Re: Wash rules for tax-exempt Muni bonds

rkhusky wrote:I added information about the exception to the 6 month rule for Vanguard's tax exempt funds in the wiki page on tax loss harvesting: https://www.bogleheads.org/wiki/Tax_loss_harvesting


Thanks rkhusky
by sanfran2015
Fri Oct 02, 2015 1:20 am
Forum: Investing - Help with Personal Investments
Topic: Wash rules for tax-exempt Muni bonds
Replies: 8
Views: 989

Wash rules for tax-exempt Muni bonds

I have tax-exempt funds (limited term, intermediate term and long term). Each has a small loss of a few hundred dollars. I would like to consolidate by selling the limited term and long term and exchange into intermediate term. I have not added money to any of these funds in the last few months. Can...
by sanfran2015
Mon Sep 14, 2015 11:15 pm
Forum: Investing - Help with Personal Investments
Topic: Anybody invested in VUSUX/VUSTX? Long Term Treasury Index
Replies: 7
Views: 1069

Re: Anybody invested in VUSUX/VUSTX? Long Term Treasury Index

It generally tracks (inversely) the 10yr treasury yield rate. The more important question is, why did you buy this fund in the first place? If that reason hasn't changed, then it shouldn't really matter what the fed does this week in my opinion. Also, this fund is not an index fund. Thanks saltycap...
by sanfran2015
Mon Sep 14, 2015 10:13 pm
Forum: Investing - Help with Personal Investments
Topic: Anybody invested in VUSUX/VUSTX? Long Term Treasury Index
Replies: 7
Views: 1069

Anybody invested in VUSUX/VUSTX? Long Term Treasury Index

Its a long duration index bond fund (15 years). It generally tracks (inversely) the 10yr treasury yield rate.

I am afraid it might bump down a lot if the Fed actually hikes rates this week.

Was wondering if anybody owns this and if they plan to hold on or sell.
by sanfran2015
Wed Sep 02, 2015 12:05 am
Forum: Investing - Theory, News & General
Topic: What are you up YTD? [Year To Date]
Replies: 1403
Views: 250951

Re: What are you up YTD? [Year To Date]

Portfolio return as of 8/31/15
1 month -4.32%
3 months -4.92%
6 months -4.62%
YTD -1.94%
by sanfran2015
Sat Aug 29, 2015 12:45 am
Forum: Investing - Help with Personal Investments
Topic: 3 Fund Portfolio - is it ok to Substitute Total Bond with Tax-Exempt Bond?
Replies: 3
Views: 692

3 Fund Portfolio - is it ok to Substitute Total Bond with Tax-Exempt Bond?

I am leaning towards simplifying to a 3-fund portfolio over time. One question is about the bond component. My bonds are currently all in Munis (Intermediate Term Tax Exempt). Are there folks who have 3-fund portfolios replacing VBTLX with VWIUX? Also, is there a chart for total returns from a balan...
by sanfran2015
Thu Aug 27, 2015 8:51 pm
Forum: Investing - Help with Personal Investments
Topic: Funds not showing up in sweep account
Replies: 5
Views: 844

Re: Funds not showing up in sweep account

Thanks @livesoft. I just called VG. They said 3 business days is standard settlement time. This is not ideal for TLH situations, but I hope it shows up overnight.
by sanfran2015
Thu Aug 27, 2015 8:31 pm
Forum: Investing - Help with Personal Investments
Topic: Funds not showing up in sweep account
Replies: 5
Views: 844

Funds not showing up in sweep account

I sold some "non-Vanguard" ETFs on Monday (in a VG brokerage account). I expected the money to show up in my linked MM sweep account so I can use it to buy VG funds. But, its now Thursday and the funds still haven't showed up. Is this normal? I thought 2 business days was the expected time.
by sanfran2015
Thu Aug 20, 2015 11:45 pm
Forum: Investing - Help with Personal Investments
Topic: Should I sell a fund that just went red?
Replies: 9
Views: 1377

Should I sell a fund that just went red?

About 15% of my holdings are in VTIAX (International Index fund). My VTIAX holdings went down today and crossed into red but just by $1k.

I'm tempted to sell it now and harvest the tax loss and sit tight for a little bit.

Any thoughts?
by sanfran2015
Sat Aug 01, 2015 3:57 pm
Forum: Investing - Help with Personal Investments
Topic: Zerohedge
Replies: 13
Views: 1972

Zerohedge

Just curious to know if Bogleheads read/follow this blog http://www.zerohedge.com

Its a generally pessimistic take on things, but based on solid data.

I am petrified by some of the recent posts - http://www.zerohedge.com/news/2015-08-0 ... ugust-2015
by sanfran2015
Mon Jul 06, 2015 11:42 pm
Forum: Investing - Theory, News & General
Topic: VTIAX price drop discrepency
Replies: 20
Views: 2529

Re: VTIAX anomaly on Vanguard's website

The Investor class is down 1.60 % , while the Admiral class is down $ 1.58. One possibility is that someone at Vanguard got confused between the % and the $ . Interesting theory. You would think there would be built-in mechanisms to detect such an egregious error before public posting. One would pr...
by sanfran2015
Mon Jul 06, 2015 8:55 pm
Forum: Investing - Theory, News & General
Topic: VTIAX price drop discrepency
Replies: 20
Views: 2529

What happened to VTIAX today?

When Vanguard first reported todays change, it said VTIAX was down 5.8%. An hour or so later, it changed to -2.2%.

Is this sort of a change common?
by sanfran2015
Sun Jun 28, 2015 5:49 pm
Forum: Investing - Theory, News & General
Topic: The next Lehman - this week? [Greek default]
Replies: 237
Views: 33387

Re: Greece impact on US markets Monday morning

livesoft wrote:So "stay-the-course" suggests that you all will be buying equities in rebalancing moves as needed, right?


On such occasions, is it prudent to act on Day 1, or better to wait a couple days? The drop/chaos could take a few days to settle?
by sanfran2015
Sun Jun 28, 2015 5:48 pm
Forum: Investing - Theory, News & General
Topic: The next Lehman - this week? [Greek default]
Replies: 237
Views: 33387

Re: Greece impact on US markets Monday morning

frugalecon wrote:I think it will be interesting to see how big the move is in Treasuries. 10 year closed a bit below 2.48 on Friday. I wonder if we will be back in the 2.2s.


US treasury futures for 10 yr yield are going -20bps. So yield should come back down to 2.2 range.
by sanfran2015
Sun Jun 28, 2015 5:12 pm
Forum: Investing - Theory, News & General
Topic: The next Lehman - this week? [Greek default]
Replies: 237
Views: 33387

Re: Greece impact on US markets Monday morning

Dow futures are down over 300 points
S&P futures are down over 40 points

http://www.cnbc.com/id/17689937

Its going to be a brutal Monday morning.
Time to remind oneself to "STAY THE COURSE"!
Scary times ahead, but perhaps a good buying opportunity for long term investors?
by sanfran2015
Sun Jun 28, 2015 4:57 pm
Forum: Investing - Theory, News & General
Topic: The next Lehman - this week? [Greek default]
Replies: 237
Views: 33387

Greece impact on US markets Monday morning

[Thread merged into here, see below (next page). --admin LadyGeek]

What might happen when US markets open tomorrow morning? Any guesses?
by sanfran2015
Wed Jun 03, 2015 3:11 am
Forum: Investing - Help with Personal Investments
Topic: Time to reach 1M and 2M milestones
Replies: 143
Views: 35926

Re: Time to reach 1M and 2M milestones

Some people also added an interesting benchmark - at what point do your contributions outpace your portfolio returns? Assuming 5% return on a 1M portfolio - you would need to contribute $50k for contributions to match market returns. My guess is for majority of people, contributions outpace portfoli...
by sanfran2015
Sun May 24, 2015 5:37 pm
Forum: Investing - Help with Personal Investments
Topic: Limited Term Bonds v CDs
Replies: 11
Views: 2063

Limited Term Bonds v CDs

Trying to determine best location for a relatively "stable" emergency fund.

One option is
Vanguard Limited Term Tax exempt (VMLUX) which gives about 1% yield and expect more if rates go up.

Second option is
CD at a bank like Barclays

Thoughts?
by sanfran2015
Fri May 22, 2015 12:23 am
Forum: Investing - Help with Personal Investments
Topic: Symbol for Blackrock US Debt (BTC)
Replies: 4
Views: 1525

Symbol for Blackrock US Debt (BTC)

My 401k plan discontinued PTTRX (PIMCO) and automatically converted my funds to Blackrock Intermediate US Debt (BTC). But the index fund has no symbol and I can't track it on Google or Morningstar. Does anybody know how to track this?
by sanfran2015
Wed May 20, 2015 1:25 am
Forum: Investing - Help with Personal Investments
Topic: What to do with 5M?
Replies: 93
Views: 20309

Re: What to do with 5M?

Another question - Curious why you don't have any tax-exempt bonds (i.e. munis) and have VBTLX instead?
by sanfran2015
Wed May 20, 2015 1:23 am
Forum: Investing - Help with Personal Investments
Topic: What to do with 5M?
Replies: 93
Views: 20309

Re: What to do with 5M?

Hello again! I thought I would post another update three months later. After coming up with a plan for where I wanted to end up (thanks to Mr. Roth), I got busy executing on it. I spent a LOT of time putting together a super fancy portfolio spreadsheet detailing all assets, investments, cash flow, ...
by sanfran2015
Mon May 18, 2015 11:12 pm
Forum: Investing - Help with Personal Investments
Topic: Time to reach 1M and 2M milestones
Replies: 143
Views: 35926

Re: Time to reach 1M and 2M milestones

Yesterdaysnews wrote:I hit $1M net worth in 2010 (age 34), 2M in 2013 and 3M in 2015.


Wow! Thats super-fast. How much of that was market returns and how much was your additional contributions?
by sanfran2015
Mon May 18, 2015 8:45 pm
Forum: Investing - Help with Personal Investments
Topic: Time to reach 1M and 2M milestones
Replies: 143
Views: 35926

Re: Time to reach 1M and 2M milestones

Thanks for all the great responses. A related question I have is this - (1) For those who reached $1M and $2M milestones, did you become more conservative in your investing approach? (2) Did you move to a more bond/fixed-income weighted asset allocation even though you were far from retirement? Than...
by sanfran2015
Sun May 17, 2015 11:03 pm
Forum: Investing - Help with Personal Investments
Topic: Time to reach 1M and 2M milestones
Replies: 143
Views: 35926

Re: Time to reach 1M and 2M milestones

In reality, once people hit a certain level of wealth they don't compound at the same rates they have in the past. I have to write that my experience shows the portfolio did not slow down. One reason is that one cannot really contribute a significant new fraction to the portfolio when it is large. ...
by sanfran2015
Sun May 17, 2015 10:58 pm
Forum: Investing - Help with Personal Investments
Topic: Time to reach 1M and 2M milestones
Replies: 143
Views: 35926

Re: Time to reach 1M and 2M milestones

I made the following excel table when I was trying to figure how much I need to save to hit two commas in ten years. Save 70K per year, have 8% growth each year and by the end of year 10 you have made past the 1M milestone. Keep it up for only 6 more years and you get to 2M. Next million takes only...
by sanfran2015
Sun May 17, 2015 5:25 pm
Forum: Investing - Help with Personal Investments
Topic: Time to reach 1M and 2M milestones
Replies: 143
Views: 35926

Time to reach 1M and 2M milestones

Hi all, For those folks who are in the two comma club, I am wondering if you could chime in with how long it took you to reach 1M and 2M milestones. They say the first $1M is the hardest. Is that really true? If so, time to go from $1M to $2M should be much shorter than time to get to $1M. Has there...
by sanfran2015
Thu May 14, 2015 11:39 pm
Forum: Investing - Theory, News & General
Topic: What are you up YTD? [Year To Date]
Replies: 1403
Views: 250951

Re: What are you up YTD?

After the recent market churn, I'm wondering what people are up YTD? I am barely up 2%
by sanfran2015
Thu Apr 16, 2015 12:55 am
Forum: Investing - Theory, News & General
Topic: What are you up YTD? [Year To Date]
Replies: 1403
Views: 250951

Re: What are you up YTD?

How do you calculate your YTD returns? Vanguard login > My Accounts > Investment Prices & Returns > Personal Performance > YTD That only gives the $ amount, not the percentage. Or did I miss something here? my percentage part is blank also. just shows the dollar amount. Yes same here. For YTD o...
by sanfran2015
Wed Apr 15, 2015 10:25 pm
Forum: Investing - Help with Personal Investments
Topic: In-kind transfer
Replies: 15
Views: 2338

Re: In-kind transfer

Thanks sanfran2015. Good to know. One further question how does it work once Vanguard starts selling them for you. Is there a per fund transaction fee due Vanguard? Do you call with specific instructions to sell each one? UBS has me with small positions in almost 60 funds and I'm concerned about co...
by sanfran2015
Tue Apr 14, 2015 10:59 pm
Forum: Investing - Help with Personal Investments
Topic: In-kind transfer
Replies: 15
Views: 2338

Re: In-kind transfer

Thanks all. Just initiated my transfer today. They said it will take 7-10 days Hi sanfran2015. Just wondering how your transfer in kind went as I am soon to initiate the process for a Roth IRA. Did you cash out the funds and transfer the money or transfer the funds to Vanguard. How bad were the fee...