Search found 364 matches

by spdoublebass
Thu May 17, 2018 2:26 pm
Forum: Investing - Theory, News & General
Topic: Good idea investing now in long term funds?
Replies: 57
Views: 3961

Re: Good idea investing now in long term funds?

The argument that you have to be able to hold LT bonds for X number of year would also seem to apply to stocks. I think I would be Ok holding a certain allocation in LT bonds, but it should be regarded more like "alternatives" that have the same risk profile as stocks but aren't correlated to the m...
by spdoublebass
Wed May 16, 2018 10:42 pm
Forum: Investing - Theory, News & General
Topic: Good idea investing now in long term funds?
Replies: 57
Views: 3961

Re: Good idea investing now in long term funds?

OK... so you are saying that longer term bonds did better than shorter term bonds, but actually longer term did worse because if instead you had invested in mostly cash you would have done worse than shorter term bonds. It's all starting to make sense... :confused Do you understand risk-adjusted re...
by spdoublebass
Sun May 13, 2018 3:07 pm
Forum: Investing - Theory, News & General
Topic: VTWSX Question [Vanguard Total World Stock Index]
Replies: 15
Views: 1423

Re: VTWSX Question

Some things I would look into before putting it in a taxable are: -Turnover percent VT= 9.9% VXUS= 3.4% VTI= 3.1% Are you quoting this to say VT is less tax efficient? Using turnover to argue that the tax efficiency of index ETF products is suspect. For one thing, the precise mechanism by which the...
by spdoublebass
Sun May 13, 2018 1:58 pm
Forum: Investing - Theory, News & General
Topic: VTWSX Question [Vanguard Total World Stock Index]
Replies: 15
Views: 1423

Re: VTWSX Question

As for your question... I love this fund. However, as of yet, I do not have a taxable account. I think the ER's are nothing to worry about. Some things I would look into before putting it in a taxable are: -Turnover percent VT= 9.9% VXUS= 3.4% VTI= 3.1% -Tax loss harvesting - Foreign Tax Credit http...
by spdoublebass
Sun May 13, 2018 1:34 pm
Forum: Investing - Theory, News & General
Topic: VTWSX Question [Vanguard Total World Stock Index]
Replies: 15
Views: 1423

Re: VTWSX Question

What do you mean “the addition of small cap”? You have small cap in your current portfolio. I think the OP is referring to the history of the fund. When it was first released, it did not contain Small Cap's. If you research the fun via forum, many of the early complaints of the fund were to the lac...
by spdoublebass
Wed May 09, 2018 7:22 pm
Forum: Investing - Theory, News & General
Topic: Why International again?
Replies: 224
Views: 19892

Re: Why International again?

Re higher returns on international I never stated that International would have higher returns. All I said was that adding international adds diversification. People seem to think diversification leads to greater return. It doesn't, they may still want to add International because they want more Di...
by spdoublebass
Wed May 09, 2018 7:13 pm
Forum: Investing - Theory, News & General
Topic: Why International again?
Replies: 224
Views: 19892

Re: Why International again?

Re higher returns on international I never stated that International would have higher returns. All I said was that adding international adds diversification. People seem to think diversification leads to greater return. It doesn't, they may still want to add International because they want more Di...
by spdoublebass
Wed May 09, 2018 4:54 pm
Forum: Investing - Theory, News & General
Topic: Why International again?
Replies: 224
Views: 19892

Re: Why International again?

The problem with these types of threads is that everyone talks past one another. Words like best, need, even diversification are all relative. Will one be ok with only TSM? Probably. Is TSM diversified? Yes. Is adding International to TSM increasing your diversification? Yes. Does added diversificat...
by spdoublebass
Thu May 03, 2018 11:35 am
Forum: Investing - Theory, News & General
Topic: I’m still not a fan of international bond funds
Replies: 168
Views: 13154

Re: I’m still not a fan of international bond funds

Sometimes these threads can be a little too black and white. I have a small amount of BNDX (Int Bond). It has barely gone down since I bought it. BND (TBM) is down a lot more than BNDX. Today, when TSM hit its low, I bought some and sold some BNDX. Tomorrow BNDX will probably be within a few penny’s...
by spdoublebass
Tue Apr 24, 2018 8:42 pm
Forum: Investing - Theory, News & General
Topic: Floating Net Worth w/ VT after 5 Years
Replies: 52
Views: 6460

Re: Floating Net Worth w/ VT after 5 Years

pascalwager wrote:
Tue Apr 24, 2018 7:40 pm

Sorry, I can't answer that. I'm not going to complete the article as I don't know what the author means by Global.
See my post directly above yours. Global is clearly defined as the entire World.
by spdoublebass
Tue Apr 24, 2018 4:25 pm
Forum: Investing - Theory, News & General
Topic: Floating Net Worth w/ VT after 5 Years
Replies: 52
Views: 6460

Re: Floating Net Worth w/ VT after 5 Years

I'm only posting this here because it hasn't been brought up in this thread as of yet. I found this very interesting. Siamond posted this on the Bogleheads Blog. https://finpage.blog/2017/03/25/investing-in-the-world-part-3/ Great article. So this is their conclusion: "The author believes that this...
by spdoublebass
Tue Apr 24, 2018 4:22 pm
Forum: Investing - Theory, News & General
Topic: Floating Net Worth w/ VT after 5 Years
Replies: 52
Views: 6460

Re: Floating Net Worth w/ VT after 5 Years

There are three parts to that article. You can get to the other parts at the bottom. I took it to mean that (per that study) the sweet spot is 75% at Global market weight and 25% Domestic Tilt. Which would mean is US is 52% of global market weight, you'd be at around 64% US overall. I think they are...
by spdoublebass
Tue Apr 24, 2018 12:13 pm
Forum: Investing - Theory, News & General
Topic: Floating Net Worth w/ VT after 5 Years
Replies: 52
Views: 6460

Re: Floating Net Worth w/ VT after 5 Years

I'm only posting this here because it hasn't been brought up in this thread as of yet. I found this very interesting.

Siamond posted this on the Bogleheads Blog.

https://finpage.blog/2017/03/25/investi ... ld-part-3/
by spdoublebass
Mon Apr 23, 2018 2:16 pm
Forum: Investing - Theory, News & General
Topic: Boglehead Philosophy Open To Change?
Replies: 197
Views: 9276

Re: Boglehead Philosophy Open To Change?

FiveK. I' am sure a lot of investors in the fire community use the TSM & S & P 500. You don't really say this though. I also think a lot of members in the FIRE community use dividend stocks or funds. Doesn't mean that this is the best thing to do. I' am sure that some investors combine both strateg...
by spdoublebass
Mon Apr 23, 2018 1:41 pm
Forum: Investing - Theory, News & General
Topic: Boglehead Philosophy Open To Change?
Replies: 197
Views: 9276

Re: Boglehead Philosophy Open To Change?

spdoublebass, Excellent. If you look at Wellington Fund (dividend paying stocks & corporate credits) we are doing basically the same thing (not exactly, but same idea). If I were to add the Total Bond Market Fund it would equal (dividend paying stocks & corporate credits). Only in a index fund. The...
by spdoublebass
Mon Apr 23, 2018 1:04 pm
Forum: Investing - Theory, News & General
Topic: Boglehead Philosophy Open To Change?
Replies: 197
Views: 9276

Re: Boglehead Philosophy Open To Change?

When we started this conservation is the Boglehead Philosophy Open To Change? I always said these are my opinions & what I' am doing. I have no idea what other people are doing. As a relatively new investor (one year in this April), I want to chime in. You of course have a right to your opinion. Th...
by spdoublebass
Sat Apr 21, 2018 10:09 pm
Forum: Investing - Theory, News & General
Topic: I’m still not a fan of international bond funds
Replies: 168
Views: 13154

Re: I’m still not a fan of international bond funds

Great thread. Few questions/comments from a regular Joe Investor. BNDX (Vanguard int. bond) YTD is .60%, SEC is .81% BND YTD is -2.43%, SEC is 2.99% While I'm no fan of international bonds, I gotta say at least it hasn't gone down. Does that count for anything (diversification?) or am I looking at t...
by spdoublebass
Sat Apr 21, 2018 9:25 am
Forum: Investing - Theory, News & General
Topic: The Two Fund Portfolio
Replies: 34
Views: 5123

Re: The Two Fund Portfolio

I pay the .19 expense ratio and use VTWSX across all my retirement accounts and taxable account. I’ve realized I prefer mutual funds over ETF’s, so I use this fund as well. While I’m not concerned about the .09 difference, you can always convert a portion of your mutual fund to ETFs to get the lowe...
by spdoublebass
Thu Apr 19, 2018 1:13 pm
Forum: Investing - Theory, News & General
Topic: 2 Quick Questions
Replies: 9
Views: 1101

Re: 2 Quick Questions

On #1, are you asking: given a stock, find which ETFs hold it? OR, given an ETF, which stocks does it hold? If you click on that tool, I want something like that but for International. So I can type in a stock and see what percent of each index fund it is within the different indexes. The link abov...
by spdoublebass
Thu Apr 19, 2018 12:19 pm
Forum: Investing - Theory, News & General
Topic: 2 Quick Questions
Replies: 9
Views: 1101

Re: 2 Quick Questions

You might find this ETF overlap tool useful as well, shows weighting of overlapping stocks https://www.etfresearchcenter.com/tools/overlap.php?f1=VXUS&f2=VSS I referenced this tool in my OP. The issue with that tool is that it doesn’t have an up to date holdings list. It’s actually deceiving in som...
by spdoublebass
Wed Apr 18, 2018 11:55 pm
Forum: Investing - Theory, News & General
Topic: 2 Quick Questions
Replies: 9
Views: 1101

Re: 2 Quick Questions

Provide the names of a couple of international funds you are interested in and maybe readers can come up with answers. I won't ask why you want to know this, but consider a fund that holds 200 stocks vs one that holds 30 stocks. Paul I guess I’m interested in it only out of curiousity. I picked Chi...
by spdoublebass
Tue Apr 17, 2018 6:40 pm
Forum: Investing - Theory, News & General
Topic: 2 Quick Questions
Replies: 9
Views: 1101

2 Quick Questions

1. I'm looking for a website, or whatever, that allows one to look up what percentage of a certain stock is inside an ETF/Fund. There is a great one found here: https://etfdailynews.com/tools/what-etf-holds-your-stock/ But it does not work for International funds. Is there another free way to look t...
by spdoublebass
Wed Apr 11, 2018 4:23 pm
Forum: Personal Finance (Not Investing)
Topic: Student Loan Repayment Plan
Replies: 41
Views: 1668

Re: Student Loan Repayment Plan

Dottie57 wrote:
Wed Apr 11, 2018 4:21 pm
Since OP is not married yet, couldn't a prenup be written and include not sharing of finances and that each individual is responsible for their own loans.
Maybe if they were private loans. Not for these ones. It’s based off how you file your tax returns.
by spdoublebass
Wed Apr 11, 2018 4:22 pm
Forum: Personal Finance (Not Investing)
Topic: Student Loan Repayment Plan
Replies: 41
Views: 1668

Re: Student Loan Repayment Plan

Although total accrual interests are like 10K now let say Ok. So my understanding, which I called on today, is that all interest and accrued interest must be paid before any money can go to the principal. So, if you are going to pay off the loan, you have to pay all that down first. It really comes...
by spdoublebass
Wed Apr 11, 2018 4:12 pm
Forum: Personal Finance (Not Investing)
Topic: Student Loan Repayment Plan
Replies: 41
Views: 1668

Re: Student Loan Repayment Plan

Spouses refusing to show income doesn't sound like "cannot reasonably access my spouse's income information" to me. I think that sentence is meant for people who are married but separated or something of the sort. Yeah it does. I do not have to show my wife how much I make. I do not have to agree t...
by spdoublebass
Wed Apr 11, 2018 4:09 pm
Forum: Personal Finance (Not Investing)
Topic: Student Loan Repayment Plan
Replies: 41
Views: 1668

Re: Student Loan Repayment Plan

Although total accrual interests are like 10K now let say Ok. So my understanding, which I called on today, is that all interest and accrued interest must be paid before any money can go to the principal. So, if you are going to pay off the loan, you have to pay all that down first. It really comes...
by spdoublebass
Wed Apr 11, 2018 3:29 pm
Forum: Personal Finance (Not Investing)
Topic: Student Loan Repayment Plan
Replies: 41
Views: 1668

Re: Student Loan Repayment Plan

Yeah, it doesn't really change much for us. We are a special case, most people it would be a bigger concern. Doesn't even change our tax bracket. I have family in the IRS so I asked a lot of questions about what is best for when your loan is forgiven. They said every case is different. If you've be...
by spdoublebass
Wed Apr 11, 2018 3:20 pm
Forum: Personal Finance (Not Investing)
Topic: Student Loan Repayment Plan
Replies: 41
Views: 1668

Re: Student Loan Repayment Plan

Married, but cannot reasonably access my spouse's income information - You will be treated as single. Right. That's what they said. Some spouse's refuse to share their returns. It's as simple as that. They didn't anticipate this being an issue I guess. I don't blame some people for doing that though.
by spdoublebass
Wed Apr 11, 2018 3:08 pm
Forum: Personal Finance (Not Investing)
Topic: Student Loan Repayment Plan
Replies: 41
Views: 1668

Re: Student Loan Repayment Plan

I had to decide between IBR and REPAYE. I chose IBR because 15% disposable of my income is cheaper than 10% of our joint, because my wife makes more than half of what I make. With IBR, have you done mock tax returns to compare your tax liability when you file separately vs. if you file jointly? Yea...
by spdoublebass
Wed Apr 11, 2018 2:46 pm
Forum: Personal Finance (Not Investing)
Topic: Student Loan Repayment Plan
Replies: 41
Views: 1668

Re: Student Loan Repayment Plan

I should also note, if you are on top of things, when your forgiveness comes and you owe the tax, if you have been filing separately, then they only come after the individual not the couple. So if you have a taxable account in your name, the IRS couldn't go after it, because you don't owe the money...
by spdoublebass
Wed Apr 11, 2018 10:41 am
Forum: Personal Finance (Not Investing)
Topic: Student Loan Repayment Plan
Replies: 41
Views: 1668

Re: Student Loan Repayment Plan

I'm not the best person to give advice, but I do know a little about student loans. Why leave the plan? I would stay on it. Even if you only make the minimum payments for 25 years, then take the forgiveness, it's still a good deal. Your interest is capped at a certain point. You can see this in the...
by spdoublebass
Wed Apr 11, 2018 8:25 am
Forum: Personal Finance (Not Investing)
Topic: Under the student loan forgiveness plan (PAYE), how do they decide each year what your income is?
Replies: 5
Views: 529

Re: Under the student loan forgiveness plan (PAYE), how do they decide each year what your income is?

As you compare married filing joint to married filing separate remember if you contributed to a Roth IRA you will be penalized if you file separate (if your AGI was over $10K). I just found this out the hard way. I’m filing doing this year then filing separate next year. I’ll do Roth conversions in...
by spdoublebass
Wed Apr 11, 2018 7:37 am
Forum: Personal Finance (Not Investing)
Topic: Student Loan Repayment Plan
Replies: 41
Views: 1668

Re: Student Loan Repayment Plan

If the loan balance grows substantially due to accumulating interest, the tax bill owed at year 25 forgiveness could exceed the cost of repaying the loan on a normal payment plan. The tax bill in year 25 could be hundreds of thousands of dollars. This would be true if the student loan was private, ...
by spdoublebass
Wed Apr 11, 2018 12:34 am
Forum: Personal Finance (Not Investing)
Topic: Student Loan Repayment Plan
Replies: 41
Views: 1668

Re: Student Loan Repayment Plan

I'm not the best person to give advice, but I do know a little about student loans. Why leave the plan? I would stay on it. Even if you only make the minimum payments for 25 years, then take the forgiveness, it's still a good deal. Your interest is capped at a certain point. You can see this in the ...
by spdoublebass
Wed Apr 11, 2018 12:15 am
Forum: Personal Finance (Not Investing)
Topic: Under the student loan forgiveness plan (PAYE), how do they decide each year what your income is?
Replies: 5
Views: 529

Re: Under the student loan forgiveness plan (PAYE), how do they decide each year what your income is?

As you compare married filing joint to married filing separate remember if you contributed to a Roth IRA you will be penalized if you file separate (if your AGI was over $10K). I just found this out the hard way. I’m filing doing this year then filing separate next year. I’ll do Roth conversions in ...
by spdoublebass
Mon Apr 09, 2018 11:55 pm
Forum: Investing - Theory, News & General
Topic: Will VTWSX expense ratio go down in the future
Replies: 6
Views: 998

Re: Will VTWSX expense ratio go down in the future

Probably, but who knows. It has been going down since it was first introduced. It recently (few months ago) lowered from .11 to .10 for the ETF. I think it was introduced at .25ish for the mutual fund, which is currently .19. My own personal opinion (which doesn't mean much) is that it's low enough ...
by spdoublebass
Sun Apr 08, 2018 2:02 pm
Forum: Investing - Help with Personal Investments
Topic: Best way to backdoor Roth?
Replies: 9
Views: 891

Re: Best way to backdoor Roth?

Why do you want to wait to convert?

I contribute every paycheck as well to a TIRA. I put it in a MM. it takes a day to clear, I then convert it to my Roth, at vanguard this money is instantly useable in my Roth to invest.

Next paycheck I do the same thing.
by spdoublebass
Fri Apr 06, 2018 3:39 pm
Forum: Investing - Theory, News & General
Topic: The "American companies I invest in already have international exposure" argument --- valid or not?
Replies: 139
Views: 10612

Re: The "American companies I invest in already have international exposure" argument --- valid or not?

See also this recent topic: Global Revenue Exposure of Your Stock Portfolio? I've read this thread with a lot interest. It's something I read about but do not fully understand. I do find people opinions interesting, I'm more intrigued by the OP. The question I have is this: Is revenue exposer compa...
by spdoublebass
Wed Apr 04, 2018 6:57 pm
Forum: Investing - Help with Personal Investments
Topic: SPOT [Investing in Spotify]
Replies: 45
Views: 2632

Re: SPOT [Investing in Spotify]

How long does it take for Spot to be added to Total Stock Market Index?
by spdoublebass
Sun Apr 01, 2018 12:39 pm
Forum: Investing - Help with Personal Investments
Topic: Investing Very Small Amounts Daily
Replies: 21
Views: 2781

Re: Investing Very Small Amounts Daily

That's what I do. I don't know, but most people here don't seem to do it that way. If I made a lot of money or was on a set salary I would probably do it differently. Having W2 and Schedule C income coming in randomly throughout the month, I have checks/money coming in daily. It really helped me to ...
by spdoublebass
Sun Apr 01, 2018 12:04 pm
Forum: Investing - Theory, News & General
Topic: International Bond dividend question
Replies: 2
Views: 323

Re: International Bond dividend question

Bumping.

Just curious as to what this dividend is or why it happens in late December.

Thank you
by spdoublebass
Sat Mar 31, 2018 5:36 pm
Forum: Investing - Theory, News & General
Topic: International Bond dividend question
Replies: 2
Views: 323

International Bond dividend question

When looking at BNDX, Vanguard International bond, I was looking at the dividends. For the ETF, the monthly dividends were around 4 or 5 cents. Then at the end of the year, in December, there was another larger dividend, around 40 or 60 cents. What is that larger dividend? I see it on other funds bu...
by spdoublebass
Fri Mar 30, 2018 2:32 pm
Forum: Investing - Theory, News & General
Topic: What's your U.S. : International ratio?
Replies: 190
Views: 35167

Re: What's your U.S. : International ratio?

I am 2:1 US to International. I think of it differently, but that is the current breakdown. I think of it this way, 2/3's of my portfolio is at world market weight, then 1/3 is tilted towards the US. This way, the international will fluctuate depending on the world weight. I do the same with Bonds. ...
by spdoublebass
Tue Mar 27, 2018 12:41 pm
Forum: Investing - Help with Personal Investments
Topic: Why is Vanguard not answering the phone
Replies: 31
Views: 4482

Re: Why is Vanguard not answering the phone

are you calling 855-327-1214? I just called and got through. I'm not defending them, but my experience has only been positive. I been with them for a year and have called probably 10-12 times. Never more then a 3 minute wait and they always knew what what going on. I do believe every complaint I rea...
by spdoublebass
Sat Mar 24, 2018 12:21 am
Forum: Investing - Help with Personal Investments
Topic: Married filing Separately Roth IRA help
Replies: 12
Views: 996

Re: Married filing Separately Roth IRA help

As for other filing status', for the conversion to be non taxable, you cannot have any other non Roth pre tax amounts at the end of the conversion year. You are referring to "non roth pre tax" IRA's correct? You could still have a 401K or 403B if I understand correctly. If you have any other tradit...
by spdoublebass
Fri Mar 23, 2018 6:06 pm
Forum: Investing - Help with Personal Investments
Topic: Basic questions regarding 8606 and multiple conversions
Replies: 5
Views: 227

Re: Basic questions regarding 8606 and multiple conversions

retiredjg wrote:
Fri Mar 23, 2018 5:59 pm

Multiple conversions are more work for you, but for taxes, they will all be reported as one total.

So, by more work for me, it means just from my end. Not more work for me come tax time filling out an 8606? I just want to be clear on this issue.
by spdoublebass
Fri Mar 23, 2018 5:54 pm
Forum: Investing - Help with Personal Investments
Topic: Married filing Separately Roth IRA help
Replies: 12
Views: 996

Re: Married filing Separately Roth IRA help

Thank you for all the replies. These questions have all been answered through this forum and from speaking with Vanguard.
by spdoublebass
Fri Mar 23, 2018 5:53 pm
Forum: Investing - Help with Personal Investments
Topic: Basic questions regarding 8606 and multiple conversions
Replies: 5
Views: 227

Basic questions regarding 8606 and multiple conversions

Questions: 1. Is there a downside to making multiple conversions throughout the year from a Non Deductible IRA to my Roth IRA? - I usually contribute money each week to my IRA. Since both my TIRA and Roth IRA are with the same custodian (VG), it's easy to convert once it's settled. Is there a downsi...
by spdoublebass
Fri Mar 23, 2018 4:15 pm
Forum: Investing - Help with Personal Investments
Topic: Married filing Separately Roth IRA help
Replies: 12
Views: 996

Re: Married filing Separately Roth IRA help

-also, since I made some contributions do my Roth IRA this year, about $1000. it looks like I’ll have to recharacterize those contributions to non deductible TIRA , then convert them back?But there is a waiting period I guess. Still confused about this. I don't understand your reason for saying thi...
by spdoublebass
Fri Mar 23, 2018 2:09 pm
Forum: Investing - Help with Personal Investments
Topic: Married filing Separately Roth IRA help
Replies: 12
Views: 996

Re: Married filing Separately Roth IRA help

When you file your taxes is irrelevant to the situation, other than you need to account for non-deductible contribution on the return (8606) corresponding to the year in which the contribution is for . You can make as many contributions (up to the limit) and conversions as you want. There is no wai...