Search found 97 matches

by binvesting
Mon Apr 09, 2018 1:04 pm
Forum: Personal Finance (Not Investing)
Topic: Structuring Newlywed Finances for Fairness and Less Arguments
Replies: 84
Views: 6515

Re: Structuring Newlywed Finances for Fairness and Less Arguments

From a fairness standpoint though, I put in longer hours between the job and additional work from managing rental properties, so should I be getting more discretionary spending (if not, less motivation for me to do be doing all this extra work)? It might be helpful to you both to approach the perso...
by binvesting
Fri Feb 23, 2018 2:54 pm
Forum: Investing - Help with Personal Investments
Topic: Reverse a backdoor roth due to new IRA account
Replies: 8
Views: 519

Re: Reverse a backdoor roth due to new IRA account

Thanks Earl! I have mega backdoor roth at work, so I can always use that to fund roth even if my wife's backdoor roth path is closed. So even if my wife doesnt change job, that part is not worrying me. My only question at this point is if I recharacterize backdoor roth of 5500 to Trad Ira - what abo...
by binvesting
Fri Feb 23, 2018 12:42 am
Forum: Investing - Help with Personal Investments
Topic: Reverse a backdoor roth due to new IRA account
Replies: 8
Views: 519

Reverse a backdoor roth due to new IRA account

Hello folks, Requesting for some help in this matter: We did a backdoor roth for my wife in Feb 2017, at that time she didn't have any other IRA. Then in Oct, she switched jobs and he work offered a Simple IRA that she joined and contributed to (we had forgotten about the backdoor done earlier in th...
by binvesting
Wed Feb 14, 2018 12:42 am
Forum: Investing - Help with Personal Investments
Topic: Did you learn anything from the market correction?
Replies: 160
Views: 12704

Re: Did you learn anything from the market correction?

I was a student during 2008/09 and didn't notice any of the drops after that. This is was the first drop that i have noticed. I am in accumulation stages. I am at 80/20% and bought 2% more of stocks last week due to the drop. The whole process lead to the following conclusion: 1. 10% drop didnt both...
by binvesting
Sat Feb 10, 2018 5:31 pm
Forum: Investing - Help with Personal Investments
Topic: Anybody else Age - 10 in bonds, rest in stocks
Replies: 127
Views: 12926

Re: Anybody else Age - 10 in bonds, rest in stocks

StevieG72 wrote:
Sat Feb 10, 2018 4:44 pm
Age minus 15
...
+1..
Age 34, so i am hovering at 20% bonds. I am thinking of doing 2% bond increment every year going fwd..
by binvesting
Fri Jan 19, 2018 11:57 pm
Forum: Investing - Theory, News & General
Topic: Post Your Morningstar Box Style
Replies: 111
Views: 8445

Re: Post Your Morningstar Box Style

The following is from Fidelity GPS tool, and it says it includes both domestic and foreign funds' data.
Value Blend Growth
L...18...15......13
M....8....7........7
S...13...12.......6
by binvesting
Wed Nov 29, 2017 11:23 pm
Forum: Investing - Theory, News & General
Topic: Which crash have you seen it before it is coming?
Replies: 134
Views: 11091

Re: Which crash have you seen it before it is coming?

I didn't live in the US before 2007 and didnt know what stock market was in the early 2000's so didnt know about crashes as well :happy During the summer of 2008 I was a software intern at one of the big companies that went bankrupt in Wall street :) I was there until Aug 2008, and then the company ...
by binvesting
Sun Nov 19, 2017 4:00 pm
Forum: Investing - Help with Personal Investments
Topic: Trev H Four-Fund Portfolio Tax Loss Harvesting Partner Options
Replies: 20
Views: 1498

Re: Trev H Four-Fund Portfolio Tax Loss Harvesting Partner Options

I am not an expert in the TrevH portfolio but i remember multiple folks mentioning in different threads that ILV can be replaced by ILB and ISV by IS.
And TrevH also posted a past history comparison chart for those replacements viewtopic.php?p=487691#p487691
by binvesting
Fri Sep 22, 2017 1:31 pm
Forum: Investing - Help with Personal Investments
Topic: SIMPLE IRA with T.RowePrice - will T.RowePrice stop contribution at limit or are we responsible to check it
Replies: 2
Views: 232

SIMPLE IRA with T.RowePrice - will T.RowePrice stop contribution at limit or are we responsible to check it

Hello Folks, I have a question on custodian automatically stopping employee contribution. Wife will be starting a new job and there is a SIMPLE IRA available that we plan to fully fund it if possible this year by diverting as much as possible from the paychecks for the upcoming 3 months. So, the que...
by binvesting
Thu Aug 17, 2017 11:13 pm
Forum: Investing - Help with Personal Investments
Topic: Portfolio options when relocation to home country India is possible in distant future
Replies: 18
Views: 1855

Re: Portfolio options when relocation to home country India is possible in distant future

Interesting info folks, thanks a ton!! If somebody expats and satisfies the following condition: (1)held green card in last 8 out of 15 yrs And (2) Has total net worth of 2mil or avg income tax of last 5 yrs is greater than something like 140k then they are hit with massive tax. So leaving before fi...
by binvesting
Tue Aug 15, 2017 3:44 pm
Forum: Investing - Help with Personal Investments
Topic: Portfolio options when relocation to home country India is possible in distant future
Replies: 18
Views: 1855

Re: Portfolio options when relocation to home country India is possible in distant future

I also want to plan the investments correctly in the event of moving back to India in the distant future (say 15 yrs from now). This is a major factor in what you do and how you plan. You really need to quantify this - is it a low probability event or a high probability one? You also need to figure...
by binvesting
Tue Aug 15, 2017 3:23 pm
Forum: Investing - Help with Personal Investments
Topic: Portfolio options when relocation to home country India is possible in distant future
Replies: 18
Views: 1855

Re: Portfolio options when relocation to home country India is possible in distant future

I am fully maxing my 401k with match. Just to clarify - Your contribution is counted against the max limit. Company match is not considered for the limit. Yes, thanks for catching my vague phrasing :happy It should read - I am maxing my 401k (and it has a match too for that) or I am fully funding a...
by binvesting
Tue Aug 15, 2017 10:10 am
Forum: Investing - Help with Personal Investments
Topic: Portfolio options when relocation to home country India is possible in distant future
Replies: 18
Views: 1855

Re: Portfolio options when relocation to home country India is possible in distant future

Thanks ray.james! a. I'll read up once again about the different rules for withdrawal. I am inclined to contribute 1:1 for roth:taxable for the first few years and then goto taxable only after that to keep things simple. b. No state taxes. I am fully maxing my 401k with match. Its the spousal 401k w...
by binvesting
Sun Aug 13, 2017 10:45 pm
Forum: Investing - Help with Personal Investments
Topic: Portfolio options when relocation to home country India is possible in distant future
Replies: 18
Views: 1855

Portfolio options when relocation to home country India is possible in distant future

Hello folks, I have followed the boglehead style of investing for the past two years. And thankful for all the info here!! This is sort of 2year anniversary checkup and also I have some questions with spouse starting work this year and I also want to plan the investments correctly in the event of mo...
by binvesting
Sat Jul 29, 2017 12:40 am
Forum: Personal Finance (Not Investing)
Topic: Those Of You In a HCOLA - What's Your Financial Plan
Replies: 68
Views: 8331

Re: Those Of You In a HCOLA - What's Your Financial Plan

For those in HCOLA areas that own homes, how did you afford the down payment? Rent eats up everything and doesn't allow us to save toward a down payment, and the homes are so expensive that a 20% or even 15% down payment is prohibtive. We live in HCOL in WA state. I saved for about 3 years and ende...
by binvesting
Tue Jul 04, 2017 12:53 am
Forum: Personal Finance (Not Investing)
Topic: Should I buy this house?
Replies: 50
Views: 5607

Re: Should I buy this house?

as I'm very frugal, except for the big purchases.. paying 500 bucks a month to live in a 3500 sq ft house in a great neighborhood seems worth it to me Op, I am not trying to pick on what you said but just wanted to point our some things I noticed. 3500sq ft house for 2 ppl just for having the garag...
by binvesting
Sat May 06, 2017 5:35 pm
Forum: Investing - Help with Personal Investments
Topic: Portfolio Tracking Tools
Replies: 41
Views: 5800

Re: Portfolio Tracking Tools

triceratop wrote: I'll clean up my current spreadsheet of personal information and send it to you.
I was looking for a some spreadsheet and landed in this thread..
Can you please share the spreadsheet for the rest of us :sharebeer
by binvesting
Sun Apr 16, 2017 7:12 pm
Forum: Investing - Theory, News & General
Topic: International Portfolio Tilt
Replies: 18
Views: 2657

Re: International Portfolio Tilt

Gemini wrote:For all you that tilt to intl and EM, what funds do you use?
+1, interested in knowing how folks do this as well, perhaps we could ask this in a separate thread :happy
I use EFV ishares large value, VSS intl small, VWO Emerging markets in this ratio 2:2:1 though I am not an expert :happy
by binvesting
Sun Feb 26, 2017 7:27 pm
Forum: Personal Finance (Not Investing)
Topic: Deciding how much house to get
Replies: 25
Views: 3567

Re: Deciding how much house to get

Now I know some famlies that like to move every 2 or 3 years, but stay in the same area. They are going for the tax-free gain on house selling. If their house doesn't appreciate in price, then they just stay happy and remain in the same house. I have always wondered how this works and it would be g...
by binvesting
Sun Feb 26, 2017 1:20 pm
Forum: Personal Finance (Not Investing)
Topic: Deciding how much house to get
Replies: 25
Views: 3567

Re: Deciding how much house to get

Two things that I believe are true 1. buying a house means you are more tied to the location than before since selling and moving is more work/cost than terminating a lease and moving 2. don't buy the most expensive house in the neighbourhood - let other houses drive the value of your house up And +...
by binvesting
Sat Feb 25, 2017 10:27 am
Forum: Investing - Help with Personal Investments
Topic: Rebalancing -> Market Crash and rebalancing
Replies: 42
Views: 3354

Re: Rebalancing -> Market Crash and rebalancing

Thanks for the explanation Dale, makes sense :beer I should rewrite my original statement to 'what will I do during a sudden drop of 10-20% in a day' rather than call it a crash as that is what I had in my mind. - for ex, during brexit, there was a drop of maybe 3% intl (I don't remember correctly) ...
by binvesting
Sat Feb 25, 2017 12:36 am
Forum: Investing - Help with Personal Investments
Topic: Rebalancing -> Market Crash and rebalancing
Replies: 42
Views: 3354

Re: Rebalancing -> Market Crash and rebalancing

Thanks for starting this thread, an interesting thread to read how folks approach crashes. I was a student during the crash (specifically an intern at Lehman a month before they went bankrupt :twisted: ) so didnt have any money in the market.Started a full time job in 2010 and it wasn't until 2014 t...
by binvesting
Fri Feb 24, 2017 8:47 pm
Forum: Investing - Help with Personal Investments
Topic: Low Income 29yr old
Replies: 32
Views: 4092

Re: Low Income 29yr old

I think its a healthy debate/question whether it makes sense for me to have this play money/investment. I view it as a hobby with the potential to lose some money(hopefully not all of it). But in terms of a hobby, its something that I check on every day and spend a lot of time thinking about, I fin...
by binvesting
Mon Feb 20, 2017 11:59 pm
Forum: Investing - Help with Personal Investments
Topic: [What] to Do When Income Too High for Roth IRA
Replies: 20
Views: 3330

Re: [What] to Do When Income Too High for Roth IRA

When being very close to the roth limits and in absence of any IRAs, and if one is not sure about the exact number, say due to annual bonus and/or stock, then one can just do a backdoor roth. [edit to add situation where annual pay may increase] Even if they fall under the magi limit for the year, ...
by binvesting
Fri Feb 10, 2017 4:41 pm
Forum: Investing - Theory, News & General
Topic: 401k has CIT fund and selling similar fund in taxable will cause a wash sale?
Replies: 5
Views: 416

Re: 401k has CIT fund and selling similar fund in taxable will cause a wash sale?

The question is whether to buy Sp500 fund in taxable (by tlh of current fund) or not.
if I can't tlh the 500 fund later because I have the cit then I won't buy that in the first place.
by binvesting
Fri Feb 10, 2017 4:27 pm
Forum: Investing - Theory, News & General
Topic: 401k has CIT fund and selling similar fund in taxable will cause a wash sale?
Replies: 5
Views: 416

Re: 401k has CIT fund and selling similar fund in taxable will cause a wash sale?

Thanks nate!
I have seen threads where folks discuss whether 401k is included or not and they invariably end with 'I don't want to be the person to test this' :D
So let's proceed assuming that 401k are included. :mrgreen:
by binvesting
Fri Feb 10, 2017 3:26 pm
Forum: Investing - Theory, News & General
Topic: 401k has CIT fund and selling similar fund in taxable will cause a wash sale?
Replies: 5
Views: 416

401k has CIT fund and selling similar fund in taxable will cause a wash sale?

Hello folks I have a Vanguard collective investment trust CIT in my 401k that tracks SP500. As CITs do in general, it doesn't give dividends but the price just increases. So, essentially my transaction on the CIT is none unless i buy/sell it. Wife and I both have taxable accounts in Vanguard and som...
by binvesting
Sun Feb 05, 2017 5:57 pm
Forum: Investing - Theory, News & General
Topic: Anyone have a tilt portfolio similar to this
Replies: 22
Views: 2817

Re: Anyone have a tilt portfolio similar to this

Yes, thanks for that link.
And I was referring to this post which suggested doing the same with efv & vwo which I was referring to from memory.. :happy
Also looks line efv doesn't have EM and small caps.
viewtopic.php?f=10&t=111952&p=1628862&h ... v#p1628862
by binvesting
Sat Feb 04, 2017 6:20 pm
Forum: Investing - Theory, News & General
Topic: Anyone have a tilt portfolio similar to this
Replies: 22
Views: 2817

Re: Anyone have a tilt portfolio similar to this

Somwhere I have seen this to be mentioned as TrevH's portfolio: 25% US Large blend 25% US small value Intl is rest 50% split as: 20% Intl large value (i think EFV was used here, it has no small caps. (Edit to add that looks like efv is developed markets only)). 20% Intl Small 10% Intl EM This is ver...
by binvesting
Sat Jan 28, 2017 3:22 pm
Forum: Investing - Help with Personal Investments
Topic: Question: Fidelity 401k - Brokerage Link
Replies: 29
Views: 4487

Re: Question: Fidelity 401k - Brokerage Link

I'm interested in this as well but would want to use it to invest in 80% VTI and 20% VXUS (without having to use a target date fund that has bond exposure). Given that "Automatic Investments" can't be used for ETF's, I expect I would incur a $7.95 commission fee per trade? With 26 contribution even...
by binvesting
Fri Jan 20, 2017 11:00 pm
Forum: Investing - Help with Personal Investments
Topic: 50 Year Old Late Starter With Questions
Replies: 58
Views: 7421

Re: 50 Year Old Late Starter With Questions

Caligirl As a neutral stranger, I just wanted to ask you if you have considered the following. If you have and figured it all out, then great, ignore these :sharebeer If not, then I would think these are priority over investing the current money. 1. Do you have emergency funds. Folks generally have ...
by binvesting
Wed Dec 21, 2016 10:03 pm
Forum: Investing - Help with Personal Investments
Topic: new Fidelity 401(k) - any good funds available?
Replies: 12
Views: 1338

Re: new Fidelity 401(k) - any good funds available?

401k -- 100% 56% (N/A) Fidelity U.S. Equity Index Commingled Pool Class 2 (0.02%) 24% ( FSPSX ) Fidelity International Index Fund Institutional Premium Class (0.05%) 20% ( FXNAX ) Fidelity U.S. Bond Index Fund Institutional Premium Class (0.03%) Just some possibilities. wow, op is very lucky to hav...
by binvesting
Sat Dec 10, 2016 12:32 am
Forum: Investing - Theory, News & General
Topic: Do you think Slice and Dice makes it harder to stay the course?
Replies: 40
Views: 3074

Re: Do you think Slice and Dice makes it harder to stay the course?

Just wanted to present a novice's point of view. SD experts do correct me if I am wrong :happy I have a 66/33 US/Intl split and within each of them i have 66/33% split with 33% being (SmallCapValue VBR/IJS and IntlSmallCap VSS). 66% is represented TotalStock(or Sp500) for US and TotalIntl. This 66% ...
by binvesting
Fri Dec 02, 2016 8:54 pm
Forum: Investing - Help with Personal Investments
Topic: Portfolio Feedback/Changing Strategies
Replies: 4
Views: 985

Re: Portfolio Feedback/Changing Strategies

Income: Me: $86k from day job, $7k from very small independent private practice Wife: $90k from pt day job Any budget surplus usually comes from the $7k private practice, we usually get back $3-4k from IRS, and any additional days my wife works (e.g., net $500/day). Please correct me if I misunders...
by binvesting
Thu Nov 17, 2016 9:31 pm
Forum: Investing - Help with Personal Investments
Topic: Fidelity Index Fund - need help!
Replies: 14
Views: 1527

Re: Fidelity Index Fund - need help!

Reg the new intl fund FTIPX I am just curious to know what folks here think of investing in a fund that is about 6 months old and has only about 55mil in assets. I have the other Fidelity intl fund FSGDX that doesnt have small cap and was thinking of switching to this but didn't do it size it was to...
by binvesting
Fri Sep 02, 2016 11:59 am
Forum: Investing - Help with Personal Investments
Topic: Asset Allocation Review
Replies: 18
Views: 1658

Re: Asset Allocation Review

About how much (in dollars) do you think that you may be able to contribute to investing annually (total all accounts)? $24k a year is very doable for me What I plan to buy each month In 401k 3 shares of Fidelity® Total Market Index Fund (FSTVX 0.045% ER) at ~$62.94 6 shares of Fidelity® Small Cap ...
by binvesting
Sun Jul 31, 2016 10:19 am
Forum: Investing - Help with Personal Investments
Topic: Total Bond vs Municipal Bond Funds
Replies: 66
Views: 11421

Re: Total Bond vs Municipal Bond Funds

For folks like me that have No state tax, then does it make sense to wait to get to 28% bracket to start using national munis in taxable?
by binvesting
Sun Jul 17, 2016 10:29 pm
Forum: Investing - Theory, News & General
Topic: Fidelity four-in-one index fund lower ER, invest everything in it?
Replies: 40
Views: 7417

Re: Fidelity four-in-one index fund lower ER, invest everything in it?

You can do one of the following;: 1. Some folks skip emerging for various reasons. Search the forum for their reasoning, there must be some threads. If you are okay with those reasons, you can just hold what you have now. 2. Add emerging fund/etf like VWO (there must be something similar in Fidelity...
by binvesting
Sat Jul 16, 2016 2:29 pm
Forum: Investing - Theory, News & General
Topic: Fidelity four-in-one index fund lower ER, invest everything in it?
Replies: 40
Views: 7417

Re: Fidelity four-in-one index fund lower ER, invest everything in it?

I think the international part of this four in one has developed markets only and no emerging markets. Can you check this once since I am typing this from memory. If that is true, then it's not truly comparable to vanguard life strategy funds. And you may not be invested in full in international due...
by binvesting
Thu Jul 14, 2016 7:41 pm
Forum: Investing - Help with Personal Investments
Topic: Best Place to Get Car Loan
Replies: 10
Views: 1099

Re: Best Place to Get Car Loan

If its for a Subaru: Last year, I got 0.9% for our new Subaru at dealership and the loan was with Chase. See if they still have it. This rate beat local CU rates..
Of course, deciding the price is the first step and I didnt even bring the topic of financing before that.
by binvesting
Thu Jul 14, 2016 9:29 am
Forum: Investing - Help with Personal Investments
Topic: Info only: VG calculates cost basis during fund to ETF conversion
Replies: 1
Views: 360

Info only: VG calculates cost basis during fund to ETF conversion

No question to the forum, just posting my recent experience of converting my index fund to it ETF, incase if somebody has this question. :sharebeer I recently converted my Total Stock fund (VTSAX) to its corresponding ETF VTI. I had SpecID in the fund and there were 7 lots with diferent cost basis, ...
by binvesting
Sun Jul 10, 2016 5:06 pm
Forum: Investing - Help with Personal Investments
Topic: When to sell ESPP?
Replies: 8
Views: 1255

Re: When to sell ESPP?

Think about it this way. For ex, you get stock 1st of every month. Then on 2nd you seek it and and get the money immediately and you invest it the same day in sp500. If this repeats, you are investing 2nd of every month. This is what you want. How about this :you get stock in 1st of every month and ...