Search found 304 matches

by Whakamole
Thu Feb 23, 2017 1:05 pm
Forum: Investing - Theory, News & General
Topic: VTIAX now has 0.11% ER [Vanguard Total Int'l Stock, Admiral Class]
Replies: 43
Views: 4403

Re: VTIAX now has 0.11% ER

The stated ER doesn't include lending income, which was substantial last year. This gets us closer and closer to a free fund :sharebeer
by Whakamole
Wed Feb 22, 2017 10:25 am
Forum: Investing - Theory, News & General
Topic: Does anyone own gold?
Replies: 56
Views: 3657

Re: Does anyone own gold?

If you want to read gold bull articles from an investment perspective, Frank Holmes' newsletter from US Funds is much better (with some talk about EM and natural resources): http://www.usfunds.com/investor-library/investor-alert/ Note that his firm offers an expensive (2% ER!!) gold fund and everyth...
by Whakamole
Tue Feb 21, 2017 10:17 pm
Forum: Investing - Theory, News & General
Topic: Extreme Valuations, and why you should reconsider
Replies: 191
Views: 11537

Re: Extreme Valuations, and why you should reconsider

Major US equity indexes have risen about 250% since the March 2009 lows while cumulative US GDP growth, and that's exaggerated by accounting gimmickry, has been about 17-18% for the same period, an absurd disconnect from reality. Trailing 10 year median S&P p/e is at an all-time record high ove...
by Whakamole
Tue Feb 21, 2017 6:02 pm
Forum: Investing - Theory, News & General
Topic: Extreme Valuations, and why you should reconsider
Replies: 191
Views: 11537

Re: Extreme Valuations, and why you should reconsider

I think if we are to listen to Hussman on when to get out of the market, we should also listen to him on when to get back in. November 2010: Bubble, Crash, Bubble, Crash, Bubble... March 2011: Anatomy of a Bubble March 2012: A False Sense of Security November 2013: A Textbook Pre-Crash Bubble July 2...
by Whakamole
Sat Feb 18, 2017 1:36 pm
Forum: Investing - Help with Personal Investments
Topic: Good time to buy bonds?
Replies: 8
Views: 1093

Re: Good time to buy bonds?

I am buying bonds now to get to my target asset allocation which has not changed.
by Whakamole
Thu Feb 16, 2017 8:33 pm
Forum: Investing - Help with Personal Investments
Topic: Gold vs 401k
Replies: 45
Views: 2757

Re: Gold vs 401k

Akumaky wrote:28% tax? I don't follow. If I sell gold, I have to report it and pay taxes?


Absolutely. And you don't get a low capital gains rate either.

http://hogantaylor.com/as-collectibles- ... be-taxing/ is a pretty good run-down.
by Whakamole
Thu Feb 16, 2017 5:22 pm
Forum: Investing - Help with Personal Investments
Topic: New to investing (25 yr/old). Diverse Vanguard Portfolio? Overlaps I am missing?
Replies: 55
Views: 2602

Re: New to investing (25 yr/old). Diverse Vanguard Portfolio? Overlaps I am missing?

MotoTrojan wrote:$3600 was my calculated limit for 2016 income. Had some equity counted against it; $105K gross is moving forward.


Just for future reference, you can use the backdoor Roth IRA to contribute the maximum (though there are caveats in place.)
by Whakamole
Thu Feb 16, 2017 4:38 pm
Forum: Investing - Theory, News & General
Topic: Please list value funds you currently use
Replies: 62
Views: 4665

Re: Please list value funds you currently use

VTV (Vanguard Value) - a relic of my time before joining this forum; nothing more being added.
DFA Small/Mid Cap Value Trust - a CIT which is similar (but not the same) as DFFVX (DFA Targeted Value.)
by Whakamole
Thu Feb 16, 2017 4:09 pm
Forum: Investing - Help with Personal Investments
Topic: Beginner investor: start investing now or wait for a correction? [4-5 year timeframe]
Replies: 18
Views: 2498

Re: Beginner investor: start investing now or wait for a correction? [4-5 year timeframe]

Hi There This is my first post. I'm 26 years old and I want to start buying stocks but I'm wondering Should I jump into the market now to capitalise on the current bullish activity Or should I wait for a correction and then start buying. My goal is to buy a house for me and my partner in the next 4...
by Whakamole
Thu Feb 16, 2017 3:57 pm
Forum: Investing - Help with Personal Investments
Topic: Can we automate Vanguard brokerage ETF purchases?
Replies: 20
Views: 875

Re: Can we automate Vanguard brokerage ETF purchases?

I just checked my account and the Vanguard automatic investment option (My Account->Account Maintenance->Automatic Investment) will not let you choose any ETFs you own, only mutual funds. I've had the same experience. However, a previous poster seemed adamant that I could automate ETF purchases eve...
by Whakamole
Thu Feb 16, 2017 3:51 pm
Forum: Investing - Help with Personal Investments
Topic: Can we automate Vanguard brokerage ETF purchases?
Replies: 20
Views: 875

Re: Can we automate Vanguard brokerage ETF purchases?

I just checked my account and the Vanguard automatic investment option (My Account->Account Maintenance->Automatic Investment) will not let you choose any ETFs you own, only mutual funds.
by Whakamole
Thu Feb 16, 2017 2:55 pm
Forum: Investing - Theory, News & General
Topic: Scott Burns is Signing Off -- He'll be missed
Replies: 25
Views: 6354

Re: Scott Burns is Signing Off -- He'll be missed

Wakefield1 wrote:If the new writer is "politician" was he associated with the previous Administration?


I do not believe so, he attempted to run for President on a third party's platform in 2012 (but did not win the nomination); in addition, he tried a write-in campaign for 2016.
by Whakamole
Thu Feb 16, 2017 2:38 pm
Forum: Investing - Help with Personal Investments
Topic: Help with decision on Fidelity 401k
Replies: 10
Views: 517

Re: Help with decision on Fidelity 401k

When I've rolled money over this way and needed to take a check, the check was not made out to me personally, but (in the case of transferring to Vanguard) to "VFTC fbo Whakamole" (VFTC = Vanguard Fiduciary Trust Company.) I could not cash the check even if I wanted to. I did this a number...
by Whakamole
Thu Feb 16, 2017 1:32 pm
Forum: Investing - Theory, News & General
Topic: Vanguard personal advisor gone AWOL
Replies: 3
Views: 1107

Re: Vanguard personal advisor gone AWOL

It's tax season so I would not be surprised if your advisor is swamped with questions. The mutual fund account 1099 forms went out in late January, the brokerage forms are just going out this week.
by Whakamole
Thu Feb 16, 2017 1:13 pm
Forum: Investing - Help with Personal Investments
Topic: Closed my Roth IRA due to political uncertainty - mistake???
Replies: 102
Views: 5680

Re: Closed my Roth IRA due to political uncertainty - mistake???

In your original post, you said that you invested last year in a Target Retirement fund that was 60/40. Now you're saying that you lost money. I'm curious. What fund specifically were you invested in? When did you invest and when did you withdraw? Because as of 1/31/2017, Vanguard's Target Retireme...
by Whakamole
Thu Feb 16, 2017 11:44 am
Forum: Investing - Help with Personal Investments
Topic: Portfolio Review, Recent Windfall
Replies: 9
Views: 576

Re: Portfolio Review, Recent Windfall

One question: for her 401k, why does she have so many funds, including two versions of the Target Date fund? The TD funds already include international and domestic stocks, as well as bonds (though not inflation indexed.) When I originally allocated my contributions for my 401K, diversification was...
by Whakamole
Thu Feb 16, 2017 10:33 am
Forum: Investing - Help with Personal Investments
Topic: Portfolio Review, Recent Windfall
Replies: 9
Views: 576

Re: Portfolio Review, Recent Windfall

It looks fine to me.

One question: for her 401k, why does she have so many funds, including two versions of the Target Date fund? The TD funds already include international and domestic stocks, as well as bonds (though not inflation indexed.)
by Whakamole
Thu Feb 16, 2017 9:42 am
Forum: Investing - Theory, News & General
Topic: Scott Burns is Signing Off -- He'll be missed
Replies: 25
Views: 6354

Re: Scott Burns is Signing Off -- He'll be missed

There's already a post in "Help with Personal Investments" from someone who read the article and got scared. I have to wonder what Scott thinks of this, I don't remember his articles being like this.
by Whakamole
Thu Feb 16, 2017 1:50 am
Forum: Investing - Help with Personal Investments
Topic: New to investing (25 yr/old). Diverse Vanguard Portfolio? Overlaps I am missing?
Replies: 55
Views: 2602

Re: New to investing (25 yr/old). Diverse Vanguard Portfolio? Overlaps I am missing?

After a decent pay raise (new company) I have decided to finally getting into investing some earnings (never contributed to 401K, but paid taxes to acquire full quantity of some stock awards in past). Had a Betterment account for a few days before realizing I could handle this on my own. Also have ...
by Whakamole
Thu Feb 16, 2017 12:56 am
Forum: Investing - Help with Personal Investments
Topic: Stock Market Fears
Replies: 55
Views: 5691

Re: Stock Market Fears

Whakamole, you are correct. In my initial post, I mentioned the column and provided a link, but the moderator denied it because of politics, so I wrote a watered-down version. Actually, it's something that's been on my mind for a couple of months and I let the column spook me further. OK. I think t...
by Whakamole
Wed Feb 15, 2017 11:41 pm
Forum: Investing - Help with Personal Investments
Topic: why invest internationally?
Replies: 72
Views: 3377

Re: why invest internationally?

willthrill81 wrote:Well it certainly isn't even close to Worldbank's numbers. Canada ahead of China??


That's weighted by capitalization of public company, correct, not GDP?
by Whakamole
Wed Feb 15, 2017 8:47 pm
Forum: Investing - Help with Personal Investments
Topic: Inflation fears
Replies: 16
Views: 1430

Re: Inflation fears

The 7% thing has been mentioned many times. It is a NY government run thing. I'd put a big chunk of my retirement investments into the 7% account. I don't think stocks are certain hedge against inflation. Is it guaranteed? This article (about it's performance for FY 2016) suggests that it is the &q...
by Whakamole
Wed Feb 15, 2017 8:44 pm
Forum: Investing - Help with Personal Investments
Topic: Technology is underweight from US Total Mkt Index?
Replies: 4
Views: 210

Re: Technology is underweight from US Total Mkt Index?

When I click through, I see that I'm overweight in Financial sector, and underweight in Technology. The combination makes me nauseous. Are International Index funds heavier in Financials and lighter in Technology, and that is causing this balance? Or would it be the recent run up in Financial stock...
by Whakamole
Wed Feb 15, 2017 8:10 pm
Forum: Investing - Help with Personal Investments
Topic: Stock Market Fears
Replies: 55
Views: 5691

Re: Stock Market Fears

This appears to be Laurence Kotlikoff, who has taken over from Scott Burns. This was his first column. Now might be the time to sell your stocks He's been predicting this for some time: "[The financial system] will collapse. It is just a matter of when." - March 2015 His appearance on Econ...
by Whakamole
Wed Feb 15, 2017 4:22 pm
Forum: Investing - Help with Personal Investments
Topic: How & when to sell lots of a single stock with huge capital gains
Replies: 40
Views: 2681

Re: How & when to sell lots of a single stock with huge capital gains

For large amounts of money you may have to argue the difference. As I recall, I believe we've heard that CA is one of the states that is very aggressive about pursuing this. I'd move away for more than 1 year. I would probably enlist an attorney for help in doing this the correct way, with the amou...
by Whakamole
Wed Feb 15, 2017 3:48 pm
Forum: Investing - Help with Personal Investments
Topic: Closed my Roth IRA due to political uncertainty - mistake???
Replies: 102
Views: 5680

Re: Reopening Roth after a panic move - need advice on investment

But you're only able to contribute $5500 per year as a contribution. The point of the rollover within 60 days is to get all of the $15k (or whatever the amount was) you removed back into the account without penalty. Oops. I should have mentioned that the 15k number is mainly my emer fund, I only ha...
by Whakamole
Wed Feb 15, 2017 3:43 pm
Forum: Investing - Help with Personal Investments
Topic: Closed my Roth IRA due to political uncertainty - mistake???
Replies: 102
Views: 5680

Re: Reopening Roth after a panic move - need advice on investment

But you're only able to contribute $5500 per year as a contribution. The point of the rollover within 60 days is to get all of the $15k (or whatever the amount was) you removed back into the account without penalty. Oops. I should have mentioned that the 15k number is mainly my emer fund, I only ha...
by Whakamole
Wed Feb 15, 2017 3:18 pm
Forum: Investing - Help with Personal Investments
Topic: Closed my Roth IRA due to political uncertainty - mistake???
Replies: 102
Views: 5680

Re: Reopening Roth after a panic move - need advice on investment

You are 43 (from your post history) and 20+ years from retirement. TD 2015 seems a bit conservative. I understand you are risk averse, but there is another risk you need to think about: not having enough money in retirement because you were overly conservative in your investment choices. Target Date...
by Whakamole
Tue Feb 14, 2017 2:14 am
Forum: Investing - Theory, News & General
Topic: Annuity insurance in California
Replies: 5
Views: 574

Re: Annuity insurance in California

I don't think any of them are prefunded. Your description is my understanding of how they work. An insurance company's guarantee is probably only as good as the insurance company. But you might get lucky and get something from the state guaranty corp (which is not backed by the state.) To clarify, ...
by Whakamole
Mon Feb 13, 2017 1:00 pm
Forum: Investing - Help with Personal Investments
Topic: Opinion about VGPMX for 2017 [Vanguard Precious Metals and Mining]
Replies: 44
Views: 2056

Re: Opinion about VGPMX for 2017 [Vanguard Precious Metals and Mining]

I'm wondering of people's opinion about VGPMX for 2017 or in general. Is it too late to jump on it? Thanks I was wondering why we weren't seeing price updates on this fund like we were regularly early last year. That's because the fund stopped doing well. Now that it's doing well again, we have ano...
by Whakamole
Sat Feb 11, 2017 12:07 pm
Forum: Personal Consumer Issues
Topic: iPhone SE 16GB - is memory adequate?
Replies: 44
Views: 1853

Re: iPhone SE 16GB - is memory adequate?

The danger with 16GB is what if the owner discovers podcasts, audiobooks, etc. which will eat through 16GB quickly.
by Whakamole
Fri Feb 10, 2017 5:13 pm
Forum: Local Chapters and Bogleheads Community
Topic: Your USER NAME...what does it mean?
Replies: 256
Views: 9398

Re: Your USER NAME...what does it mean?

I picked this username back when I posted on Fund Alarm (RIP). No idea why.
by Whakamole
Fri Feb 10, 2017 12:59 pm
Forum: Investing - Help with Personal Investments
Topic: Using DFA small/mid cap value fund in place of completion index?
Replies: 8
Views: 645

Re: Using DFA small/mid cap value fund in place of completion index?

Thanks for the thoughts on this matter. I decided to go with this strategy, and furthermore moved to S&P 500 funds exclusively in 401k/Roth accounts to add an additional weighing of my small-mid cap components to value, as well as being able to safely enable reinvest dividends/cap gains without ...
by Whakamole
Wed Feb 08, 2017 5:44 pm
Forum: Investing - Help with Personal Investments
Topic: Asset Allocation percentages
Replies: 9
Views: 779

Re: Asset Allocation percentages

I'm all in on Vanguard with a 70/30 allocation. Vanguard advised me how to further split up the stock allocation. What I can't get from them is what a 80/20 allocation would look like. Seems to me they are pushing their advisory service every time I get them on the line. Those with an advised 80/20...
by Whakamole
Tue Feb 07, 2017 4:12 pm
Forum: Investing - Help with Personal Investments
Topic: Using DFA small/mid cap value fund in place of completion index?
Replies: 8
Views: 645

Re: Using DFA small/mid cap value fund in place of completion index?

Great idea! I would do it in a heartbeat or quicker. Hmmm. So here is an extension of that idea: My Roth owns either Total US Market or the Extended Market fund. I could transfer these to S&P 500 funds exclusively, and keeping an 80/20 ratio of S&P 500/DFA Mid-Small Cap Value, could put abo...
by Whakamole
Tue Feb 07, 2017 2:32 pm
Forum: Investing - Help with Personal Investments
Topic: Using DFA small/mid cap value fund in place of completion index?
Replies: 8
Views: 645

Using DFA small/mid cap value fund in place of completion index?

My 401(k) plan has a very cheap (~1bp) S&P 500 fund. Currently I use a completion index in my Roth to simulate the Total Market. All that said, I'm aware of the talk of the small value premium, but I'm not entirely sure if I want to do a proper tilt. My 401(k) plan does offer a DFA Small/Mid Cap...
by Whakamole
Thu Feb 02, 2017 6:11 pm
Forum: Investing - Theory, News & General
Topic: Schwab reduces index mutual fund ER and trade commission
Replies: 43
Views: 3507

Re: Schwab reduces index mutual fund ER and trade commission

Are the Schwab funds less tax efficient than their ETF versions? I thought I had read here that only Vanguard had a structure that meant both ETF and Mutual Funds were taxed equally. Per Fidelity's site which has recent distribution history, SWTSX (Schwab Total US Market) has had capital gains dist...
by Whakamole
Wed Feb 01, 2017 6:26 pm
Forum: Investing - Theory, News & General
Topic: Betterment just raised their costs.
Replies: 125
Views: 10368

Re: Betterment just raised their costs.

Or MMM has a massive portfolio (contradicted by first paragraph) with tax-inefficient funds, distributing capital gains? Actually later MMM says that the portfolio is $500k. He's pulling in 400k a year according to a New Yorker article about him. I doubt his portfolio is that small if he lives as h...
by Whakamole
Wed Feb 01, 2017 1:31 pm
Forum: Investing - Theory, News & General
Topic: Betterment just raised their costs.
Replies: 125
Views: 10368

Re: Betterment just raised their costs.

The (and the rest of the roboadvisors) have the problem that while their service has value, it is trivial to reproduce for companies like fidelity, vanguard and the rest and the cost of running the service (the compute time is basically free,the trick will be in minimizing transaction fees) is pret...
by Whakamole
Tue Jan 31, 2017 12:57 pm
Forum: Investing - Theory, News & General
Topic: Betterment just raised their costs.
Replies: 125
Views: 10368

Re: Betterment just raised their costs.

It all sounds so hypocritical. "Empowering young investors" and all that talk now means the 99% of their customers with balances <2m will pay for the services of those with >2m. I'm very thankful to have found Bogleheads before I trusted Betterment with my money. I may be mistaken but peo...
by Whakamole
Sat Jan 28, 2017 11:27 am
Forum: Investing - Theory, News & General
Topic: If You Care About Federal Insurance and Credit Unions
Replies: 5
Views: 1139

Re: If You Care About Federal Insurance and Credit Unions

I'd be a little concerned about their rating under NCUA before they switched-- were they a "3"? or worse? This would have indicated that they might have been in trouble and I certainly wouldn't be depositing funds in them. I'd stick with those having NCUA Their BankRate rating is 4 stars,...
by Whakamole
Wed Jan 25, 2017 8:25 pm
Forum: Local Chapters and Bogleheads Community
Topic: HAPPY 93RD BIRTHDAY, TAYLOR!
Replies: 199
Views: 7354

Re: HAPPY 93RD BIRTHDAY, TAYLOR!

Happy birthday! :sharebeer
by Whakamole
Wed Jan 25, 2017 8:02 pm
Forum: Personal Finance (Not Investing)
Topic: Best CC for Travel
Replies: 82
Views: 6689

Re: Best CC for Travel

Chase Sapphire Reserve if you can apply in a branch and still get the 100K points bonus. Even if not, the 50K point bonus for applying online is not bad combined with the $300/yr travel credit and effective 4.5% on travel & dining (when redeemed for travel). $450 annual fee is due up front. You...
by Whakamole
Wed Jan 25, 2017 1:35 pm
Forum: Personal Finance (Not Investing)
Topic: Looking for some links/advice on medicaid trusts
Replies: 10
Views: 744

Re: Looking for some links/advice on medicaid trusts

Typically in these trusts someone puts assets into a trust in which he/she gets the income but can't get principal. After five years, the principal is protected, though the person will have to use the income toward his/her care. Since they get pensions and social security, which they would have to ...
by Whakamole
Wed Jan 25, 2017 10:17 am
Forum: Personal Finance (Not Investing)
Topic: Looking for some links/advice on medicaid trusts
Replies: 10
Views: 744

Re: Looking for some links/advice on medicaid trusts

This isn't a comment on ethics but more about doing your homework. As you can read about in other threads here, depending on the area they (or you if you wind up having them relocate to be closer to you) live in the facilities that will accept Medicaid patients may be very limited and very bare bon...
by Whakamole
Wed Jan 25, 2017 1:17 am
Forum: Investing - Help with Personal Investments
Topic: If We Know Bonds Will B Going Down.....
Replies: 24
Views: 2257

Re: If We Know Bonds Will B Going Down.....

I was fairly sure bond prices would be going down in 2011.
by Whakamole
Tue Jan 24, 2017 2:59 pm
Forum: Personal Finance (Not Investing)
Topic: Looking for some links/advice on medicaid trusts
Replies: 10
Views: 744

Re: Looking for some links/advice on medicaid trusts

If your parents decide to go through with the asset protection, they need to have a local lawyer who specializes in these trusts set it up. It is not a do-it-yourself project. Yes, I'm definitely recommending they go through an elder care attorney. Unfortunately I live far away so I can't go with t...
by Whakamole
Tue Jan 24, 2017 2:56 pm
Forum: Personal Finance (Not Investing)
Topic: TurboTax is playing games again.
Replies: 52
Views: 9414

Re: TurboTax is playing games again.

I used a technique I posted about a few weeks ago to get H&R Block Deluxe for $5, I figure that is both a good deal and lowers the amount of money that can be spent making the tax code overly complex. Win-win. :sharebeer

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