Search found 52 matches

by xrayvsn
Thu Apr 20, 2017 8:32 am
Forum: Investing - Help with Personal Investments
Topic: Small cap fund index question
Replies: 57
Views: 4773

Re: Small cap fund index question

I have the same exact question! May I ask what allocation you plan to have within the equities portion of your portfolio? Are you using VOO, VOE, VBR or VB? Or something else? And how do you plan to calculate how much small-cap to buy? Thank you. As far as my equities portion (75% of my total portf...
by xrayvsn
Wed Apr 19, 2017 6:21 pm
Forum: Investing - Help with Personal Investments
Topic: Small cap fund index question
Replies: 57
Views: 4773

Small cap fund index question

The majority of my investment currently resides in vanguard total stock market index fund but the way it is weighted it doesn't have as much small cap stocks and I was going to slightly tilt my investment in this direction to balance it out My question is in regard to long term holding of the vangua...
by xrayvsn
Sat Jul 16, 2016 6:24 am
Forum: Investing - Help with Personal Investments
Topic: Have questions about RMD
Replies: 13
Views: 1312

Have questions about RMD

Had several questions/thoughts that have cropped up the more I learn about the required minimum distribution once you turn 70.5 yrs old. I get that it is an attempt for the government to finally get some revenues from all the years of tax deferral. My biggest concern is can the RMD push you over the...
by xrayvsn
Fri Feb 26, 2016 12:04 pm
Forum: Personal Consumer Issues
Topic: Help with Solar Panel project ROI
Replies: 28
Views: 2667

Re: Help with Solar Panel project ROI

I appreciate the follow up comments and trying to answer some of the questions/scenarios posed. I actually am debt free, have been investing in the market etc with what I have set aside specifically for that (although I guess I could throw more into that, but really trying to stick to my plan). Peop...
by xrayvsn
Thu Feb 25, 2016 9:49 pm
Forum: Personal Consumer Issues
Topic: Help with Solar Panel project ROI
Replies: 28
Views: 2667

Re: Help with Solar Panel project ROI

Thanks everyone for the comments. Definitely opened my eyes to viewpoints I had not thought of. I am in the very beginning stages of considering this so I don't have too much info but here goes My electric company doesn't have a tiered system. I did call and found out that it pretty much is a flat 9...
by xrayvsn
Thu Feb 25, 2016 5:11 pm
Forum: Personal Consumer Issues
Topic: Help with Solar Panel project ROI
Replies: 28
Views: 2667

Re: Help with Solar Panel project ROI

I don't think your alternative ROI calculation (8.7 years) is valid for the following reason: Your 17,200 investment is after tax dollars, so it doesn't make sense to gross-up your monthly saving. My rationale was this: If I invested the $17200 in a rental property (vs "investing" in sola...
by xrayvsn
Thu Feb 25, 2016 5:07 pm
Forum: Personal Consumer Issues
Topic: Help with Solar Panel project ROI
Replies: 28
Views: 2667

Re: Help with Solar Panel project ROI

Not to change the subject, have you looked for some lower hanging fruit? I upgrade to a variable speed pool pump for $400 and it saves me about $40/mo. If you have an electric water heater, a hybrid one for $1,000 might save you $20/mo. Also ROI is a precentage, you were posting payback period. As ...
by xrayvsn
Thu Feb 25, 2016 3:54 pm
Forum: Personal Consumer Issues
Topic: Help with Solar Panel project ROI
Replies: 28
Views: 2667

Help with Solar Panel project ROI

Hey Bogleheads, Want your thoughts on this potential project I want to do. I basically have been pricing out a rooftop solar panel system for my house. This would take advantage of the current tax credit of 30% of cost currently in place by the Feds. Here is a sample of what I was given: It would be...
by xrayvsn
Fri Oct 02, 2015 3:46 pm
Forum: Investing - Help with Personal Investments
Topic: You can time the market...
Replies: 47
Views: 5172

Re: You can time the market...

It seems harmless to me. Out of curiosity, I wrote a program to test this out. I used the historical information available for VFINX on Yahoo Finance, comparing the adjusted_close value with the previous day's adjusted_close. That's not ideal for an RBD lover who uses ETFs, but it works fine for mu...
by xrayvsn
Thu Oct 01, 2015 8:47 pm
Forum: Investing - Help with Personal Investments
Topic: You can time the market...
Replies: 47
Views: 5172

Re: You can time the market...

Again, I don't think this is going to have a life changing impact for retirement accounts, but any advantage in my opinion would help. Just have to be dedicated and disciplined and always invest same amount each month which i have been doing. A question for you: do you believe that the general dire...
by xrayvsn
Wed Sep 30, 2015 10:12 am
Forum: Investing - Help with Personal Investments
Topic: You can time the market...
Replies: 47
Views: 5172

Re: You can time the market...

I can look at the market volatility surrounding each pay period and select a date I feel the markets have dropped enough that I would get "more bang for my buck." I am curious how you decide that "the market has dropped enough"? How do you know that tomorrow the market won't be ...
by xrayvsn
Wed Sep 30, 2015 10:00 am
Forum: Investing - Help with Personal Investments
Topic: You can time the market...
Replies: 47
Views: 5172

Re: You can time the market...

What Random said. You should benchmark your strategy. If it is costing you money then you need to stop. If you don't benchmark then you might continue a costly strategy for years... That sounds reasonable. So just to make sure I'm doing it right, would this be an appropriate way to benchmark: Figur...
by xrayvsn
Wed Sep 30, 2015 9:20 am
Forum: Investing - Help with Personal Investments
Topic: You can time the market...
Replies: 47
Views: 5172

Re: You can time the market...

What you are describing is market timing and it does work sometimes. Sometimes it doesn't work. It probably makes very little difference over the long run if all of your money goes in very month. It will work better in a chronically down market and worse in an up market. I definitely agree that tim...
by xrayvsn
Wed Sep 30, 2015 9:12 am
Forum: Investing - Help with Personal Investments
Topic: Rebalancing in a taxable account
Replies: 7
Views: 752

Re: Rebalancing in a taxable account

Thanks for the link and sharing how you do it :happy
by xrayvsn
Wed Sep 30, 2015 8:53 am
Forum: Investing - Help with Personal Investments
Topic: Rebalancing in a taxable account
Replies: 7
Views: 752

Rebalancing in a taxable account

First off I do love the concept of rebalancing (essentially selling high, buying low), however I wonder if this is as great a strategy for a taxable account when you factor in capital gains, etc from doing this. Would this accomplish the same thing without getting capital gains hit?: Instead of sell...
by xrayvsn
Wed Sep 30, 2015 8:50 am
Forum: Investing - Help with Personal Investments
Topic: You can time the market...
Replies: 47
Views: 5172

You can time the market...

Ok, I am going to back down from that original subject topic, but I sort of came up with a compromise which actually works for me and might be useful for those who do automatic investing: At my work I get paid bi-monthly (15th and 30th). I have decided that I want to invest a fixed amount ($x) each ...
by xrayvsn
Wed Sep 16, 2015 9:25 pm
Forum: Investing - Help with Personal Investments
Topic: Potential Flaw in Index funds??
Replies: 30
Views: 4507

Re: Potential Flaw in Index funds??

jumble wrote:Since they were so certain they can outperform the S&P 500 did they say they would cover the difference each year if they failed to do so?



LOL. No where was that mentioned :) But if I went in a time capsule to 1990 and did it, I would have been in great shape apparently
by xrayvsn
Wed Sep 16, 2015 9:24 pm
Forum: Investing - Help with Personal Investments
Topic: Potential Flaw in Index funds??
Replies: 30
Views: 4507

Re: Potential Flaw in Index funds??

A good sales technique is mentioning a well known fear, then offering what sounds like a solution. Seems to me that they are offering the potential of better backtested returns and the illusion of a smoother ride, by charging money that could be left to grow in your index funds, or put into bonds t...
by xrayvsn
Wed Sep 16, 2015 9:20 pm
Forum: Investing - Help with Personal Investments
Topic: Want to thank all the bogleheads.... [Financial literacy]
Replies: 21
Views: 1852

Re: Want to thank all the bogleheads....

You were able to convince a group of people to include two index funds. Either you presented in a very convincing way or your presentation was great or BOTH. We would love to have a look at your presentation (sanitized from your comp info) for future references. I would definitely love to share my ...
by xrayvsn
Wed Sep 16, 2015 9:16 pm
Forum: Investing - Help with Personal Investments
Topic: Want to thank all the bogleheads.... [Financial literacy]
Replies: 21
Views: 1852

Re: Want to thank all the bogleheads....

The fiduciary agent who manages our plan was there and he even said he was very impressed with the presentation and agreed with concepts and had no objections to adding these funds to plan. Question: Why didn't the fiduciary agent come up with adding the two index funds before you did? That really ...
by xrayvsn
Wed Sep 16, 2015 9:04 pm
Forum: Investing - Help with Personal Investments
Topic: Want to thank all the bogleheads.... [Financial literacy]
Replies: 21
Views: 1852

Re: Want to thank all the bogleheads.... [Financial literacy]

Fantastic! Did you use any of the material available in the wiki? Bogleheads® financial literacy project I also retitled the thread. If you want to change it further, just edit the Subject: line in Post #1. Thank you. I actually was using quotes directly from the boglehead book and John Bogle's lit...
by xrayvsn
Wed Sep 16, 2015 3:15 pm
Forum: Investing - Help with Personal Investments
Topic: Want to thank all the bogleheads.... [Financial literacy]
Replies: 21
Views: 1852

Re: Want to thank all the bogleheads....

Thank you all :) It was my attempt to pay it forward with the knowledge I got from everyone here. I offered to educate anyone in the clinic who wants to know more information about this style of investing so hopefully some will take me up on my offer. The fiduciary agent who manages our plan was the...
by xrayvsn
Wed Sep 16, 2015 2:11 pm
Forum: Investing - Help with Personal Investments
Topic: Want to thank all the bogleheads.... [Financial literacy]
Replies: 21
Views: 1852

Want to thank all the bogleheads.... [Financial literacy]

I haven't been on this site for a long time (just started getting interested in personal finances about 3 months ago) and since then having been reading a lot of finance books (Bogleheads’ Guide to investing; The White Coat Investor; The Four Pillars of Investing (William Bernstein), The Little Book...
by xrayvsn
Tue Sep 15, 2015 1:00 pm
Forum: Investing - Help with Personal Investments
Topic: Potential Flaw in Index funds??
Replies: 30
Views: 4507

Re: Potential Flaw in Index funds??

http://i57.tinypic.com/212eq6p.jpg http://i60.tinypic.com/5x91z7.jpg http://i62.tinypic.com/2nu3mzk.jpg http://i58.tinypic.com/20585s5.jpg http://i58.tinypic.com/671287.jpg http://i61.tinypic.com/n562l1.jpg http://i60.tinypic.com/sbk2t0.jpg
by xrayvsn
Tue Sep 15, 2015 12:12 pm
Forum: Investing - Help with Personal Investments
Topic: Potential Flaw in Index funds??
Replies: 30
Views: 4507

Re: Potential Flaw in Index funds??

Isn't the point of an index fund to get the market weighting that naturally occurs? And they do their magic when a sector is 5% changed from what? What have they defined as the most valid baseline weighting and how did they determine that? 100 years ago tech stocks were 0% of the market and now the...
by xrayvsn
Tue Sep 15, 2015 11:59 am
Forum: Investing - Help with Personal Investments
Topic: Potential Flaw in Index funds??
Replies: 30
Views: 4507

Re: Potential Flaw in Index funds??

Basically the fee is the same as the supposed outperformance, and you are left with the hope of TLH as your source of profit because it will pay the fee? I know that cannot be right, but I think that is what you described. If you fall for this then we Bogleheads have failed you. All this sector tal...
by xrayvsn
Tue Sep 15, 2015 11:54 am
Forum: Investing - Help with Personal Investments
Topic: Potential Flaw in Index funds??
Replies: 30
Views: 4507

Re: Potential Flaw in Index funds??

Is there a way to attach an image? I saved 7 of the most important powerpoint slides he gave me. Would love to put it all out here for you to see. It definitely has been some great points raised. I thought the same thing of picking a particular time frame and then go retroactive to show how you woul...
by xrayvsn
Tue Sep 15, 2015 9:40 am
Forum: Investing - Help with Personal Investments
Topic: Potential Flaw in Index funds??
Replies: 30
Views: 4507

Potential Flaw in Index funds??

Again as always, thank you so much for your time and response to everything I have been posting on this site (every bit of information I have gotten thus far has allowed me to tailor my retirement plan to be more efficient). I will explain the subject question with a situation that arose yesterday: ...
by xrayvsn
Mon Sep 14, 2015 8:28 pm
Forum: Investing - Help with Personal Investments
Topic: Curious how other people maintain allocations over multiple accounts
Replies: 13
Views: 1435

Re: Curious how other people maintain allocations over multiple accounts

I would like to thank everyone who posted above for their takes on my situation. Definitely helpful information as always. I guess it a mindset thing for me to wrap around to try and view both the taxable and tax sheltered components as one overall piece (i.e. when I initially posted the question, I...
by xrayvsn
Mon Sep 14, 2015 5:27 pm
Forum: Investing - Help with Personal Investments
Topic: Curious how other people maintain allocations over multiple accounts
Replies: 13
Views: 1435

Curious how other people maintain allocations over multiple accounts

I was curious how other members keep their asset allocations based on their initial investment policy in line if they are dealing with multiple different accounts that span both sheltered and non-sheltered accounts. For instance, Personally I have: Taxable: Vanguard Account (Currently only been cont...
by xrayvsn
Fri Sep 04, 2015 11:09 pm
Forum: Investing - Help with Personal Investments
Topic: Question on deferred retirement accounts....
Replies: 6
Views: 715

Re: Question on deferred retirement accounts....

Thank you both for clarifying that for me. Makes a lot more sense now and much more logical than the way I envisioned it
by xrayvsn
Fri Sep 04, 2015 9:12 pm
Forum: Investing - Help with Personal Investments
Topic: Question on deferred retirement accounts....
Replies: 6
Views: 715

Re: Question on deferred retirement accounts....

Thinking about this some more and this was an interesting thought: In the above example fund B had a lot of turnover in its holdings. Let's say that did generate a lot of capital gains to the mutual fund company. Now normally the company passes this tax burden to the individual shareholder. As was p...
by xrayvsn
Fri Sep 04, 2015 1:22 pm
Forum: Investing - Help with Personal Investments
Topic: Question on deferred retirement accounts....
Replies: 6
Views: 715

Re: Question on deferred retirement accounts....

Thanks for the quick response. That is exactly the information I was looking for. So definitely feel better about the tax inefficient stuff I have in retirement accounts :)
by xrayvsn
Fri Sep 04, 2015 11:29 am
Forum: Investing - Help with Personal Investments
Topic: Question on deferred retirement accounts....
Replies: 6
Views: 715

Question on deferred retirement accounts....

I have been reading a few financial books as well as websites and understand the benefits of putting certain types of funds/assets in tax deferred vs taxable accounts (to take advantage of tax inefficient and tax efficient funds respectively). My question is, in the tax deferred accounts, do you eve...
by xrayvsn
Fri Aug 21, 2015 10:53 pm
Forum: Investing - Help with Personal Investments
Topic: Would this work for capital loss harvesting ?
Replies: 2
Views: 310

Re: Would this work for capital loss harvesting ?

Thanks! Great links especially the one of emulating the total index w various funds. It does seem a bit tricky to do this without triggering the wash sale clause because seems like if you buy shares of fund your selling before or after the sale they consider it wash (the before is the one that catch...
by xrayvsn
Fri Aug 21, 2015 9:33 pm
Forum: Investing - Help with Personal Investments
Topic: Would this work for capital loss harvesting ?
Replies: 2
Views: 310

Would this work for capital loss harvesting ?

I probably picked an awful time to start a taxable investing account due to recent wk events and thus value of account is is significantly less than when started. My main fund in my account is the vanguard total stock index. Since it is a loss and based on what info I have read, if I sell those shar...
by xrayvsn
Thu Aug 20, 2015 7:39 pm
Forum: Investing - Help with Personal Investments
Topic: A couple more questions....
Replies: 4
Views: 543

Re: A couple more questions....

Thanks. That makes perfect sense that one share each (which I thought would give a better snapshot of every stock) would be unduly tilted to more expensive companies and defeat intent of equal weighting
by xrayvsn
Thu Aug 20, 2015 4:10 pm
Forum: Investing - Help with Personal Investments
Topic: A couple more questions....
Replies: 4
Views: 543

Re: A couple more questions....

I'm not sure how the dow index itself handles dividends but your share price of total stock market will not have to double because you will have more shares through dividends by the time your money doubles. Also Total stock market more closely follows the S&P 500 I think and the S&P only ha...
by xrayvsn
Thu Aug 20, 2015 3:33 pm
Forum: Investing - Help with Personal Investments
Topic: A couple more questions....
Replies: 4
Views: 543

A couple more questions....

As mentioned in some other posts I have done, I have started investing in a taxable account with a vanguard total stock index as the principal vehicle. My question is, say the dow is 17000, it literally would have to climb to 34000 before you can say your money is doubled, correct? It seems that gai...
by xrayvsn
Fri Aug 14, 2015 9:07 pm
Forum: Investing - Help with Personal Investments
Topic: Question on selling funds from taxable account
Replies: 7
Views: 763

Re: Question on selling funds from taxable account

Thanks. That's great information and since I just started investing in a taxable account this year (with vanguard brokerage) it looks like it will be a simple click and select which lots to sell. Appreciate it. By the way it was pointed out to me that I was a bit careless in my vocabulary (in beginn...
by xrayvsn
Fri Aug 14, 2015 7:01 pm
Forum: Investing - Help with Personal Investments
Topic: Question on selling funds from taxable account
Replies: 7
Views: 763

Re: Question on selling funds from taxable account

Thank you for your responses. Sounds like it could be quite a hassle to prove to IRS exactly what specific shares you sell but at least I know it is possible. I haven't explored the way vanguard is set up but I am sure when time comes I will be able to figure it out. Thanks again. Was mainly somethi...
by xrayvsn
Fri Aug 14, 2015 3:35 pm
Forum: Investing - Help with Personal Investments
Topic: Question on selling funds from taxable account
Replies: 7
Views: 763

Question on selling funds from taxable account

Hey everyone, Thanks in advance for addressing this (potentially stupid) question: I just started a taxable account and have been buying index funds in it. I don't plan on selling it anytime soon, but after reading some books was wondering how to sell funds in the most tax advantageous way when the ...
by xrayvsn
Sun Jul 26, 2015 2:49 pm
Forum: Investing - Help with Personal Investments
Topic: Greatly appreciate advice for my personal finances.
Replies: 26
Views: 3134

Re: Greatly appreciate advice for my personal finances.

Again thank you for the additional posts and recommendations. My Vanguard account funded and taking the advice of the general consensus I went with 2 tax efficient index funds (Vanguard total stock market index fund and Vanguard total international stock index), both Admiral Class. Although this is ...
by xrayvsn
Thu Jul 23, 2015 1:54 pm
Forum: Investing - Help with Personal Investments
Topic: Greatly appreciate advice for my personal finances.
Replies: 26
Views: 3134

Re: Greatly appreciate advice for my personal finances.

Thanks that's great information. Will definitely do more research on wiki. I did read the 3 fund portfolio on wiki which was extremely helpful.
by xrayvsn
Thu Jul 23, 2015 12:42 pm
Forum: Investing - Help with Personal Investments
Topic: Greatly appreciate advice for my personal finances.
Replies: 26
Views: 3134

Re: Greatly appreciate advice for my personal finances.

I just started looking on website and now hit with a new question if anyone would be kind to talk me through it:


I guess I am not sure what the advantage is for an ETF type index fund versus a standard index fund.

In a taxable account is one better than the other for my purposes?
by xrayvsn
Thu Jul 23, 2015 12:08 pm
Forum: Investing - Help with Personal Investments
Topic: Greatly appreciate advice for my personal finances.
Replies: 26
Views: 3134

Re: Greatly appreciate advice for my personal finances.

I sincerely like to thank everyone who has contributed to this post, you have no idea how much information I have gained as well as the confidence that I have garnered about my situation. I honestly was probably 3 months away from trying to get back into the rental property market (had planned on bu...
by xrayvsn
Wed Jul 22, 2015 1:24 pm
Forum: Investing - Help with Personal Investments
Topic: Greatly appreciate advice for my personal finances.
Replies: 26
Views: 3134

Re: Greatly appreciate advice for my personal finances.

I would build a nice big fat taxable account with stock funds and put the REITs (if you insist) in the 401(k). Thank you so much for your advice (in addition to all the previous advice I have received on this topic). I do think what you have suggested (stock index fund in a non-tax deferred account...
by xrayvsn
Tue Jul 21, 2015 9:20 pm
Forum: Investing - Help with Personal Investments
Topic: Greatly appreciate advice for my personal finances.
Replies: 26
Views: 3134

Re: Greatly appreciate advice for my personal finances.

Welcome to the forum :) . Sorry to hear of the divorce. Rolling the IRA over into your 401k may be a good idea. Will your 401k accept a transfer of your IRA? What are the 3-4 lowest expense ratio funds offered in the 401k? You don't need a large selection of good funds in order to make it useful. E...
by xrayvsn
Tue Jul 21, 2015 7:55 pm
Forum: Investing - Help with Personal Investments
Topic: Greatly appreciate advice for my personal finances.
Replies: 26
Views: 3134

Re: Greatly appreciate advice for my personal finances.

Vanguard has a Reit fund (appropriate for IRAs) that might satisfy your urge to own real estate. Some people have the 3-fund portfolio (see Wiki) and also tilt a bit toward REIT. Thanks for the advice. I actually just added a Vanguard REIT to my 401k at work. According to the Boglehead book they su...
by xrayvsn
Tue Jul 21, 2015 3:32 pm
Forum: Investing - Help with Personal Investments
Topic: Greatly appreciate advice for my personal finances.
Replies: 26
Views: 3134

Re: Greatly appreciate advice for my personal finances.

Can you roll the old IRA into your 401(k)? Would open up the backdoor Roth IRA. Did you like owning rental properties? Its certainly an option but I wouldn't enjoy it, so I would just work on building a taxable account with tax efficient index funds. You are presumably in the top tax bracket, so th...

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