Search found 2765 matches

by whodidntante
Mon Feb 19, 2018 8:47 am
Forum: Investing - Theory, News & General
Topic: Interactive Brokers fee structure for passive investors
Replies: 20
Views: 1237

Re: Interactive Brokers fee structure for passive investors

SlowMovingInvestor wrote:
Mon Feb 19, 2018 8:26 am
IB is definitely geared towards active investors, especially those who want to trade 'exotic' instruments. Not suitable for buy-and-holders at all.
Fidelity would like it if I trade frequently and pay margin interest. That doesn't mean that I'm going to do it.
by whodidntante
Sun Feb 18, 2018 11:26 pm
Forum: Investing - Theory, News & General
Topic: 6 and 12 MO CD's or Treasury Bills
Replies: 10
Views: 937

Re: 6 and 12 MO CD's or Treasury Bills

Scooter57 wrote:
Sun Feb 18, 2018 11:15 pm
Any reason why you can't use the NASA Credit Union 2.25% 11mo CD?
The OP specified a Vanguard account.
by whodidntante
Sun Feb 18, 2018 11:25 pm
Forum: Investing - Theory, News & General
Topic: 6 and 12 MO CD's or Treasury Bills
Replies: 10
Views: 937

Re: 6 and 12 MO CD's or Treasury Bills

Treasuries are liquid and the dividends are exempt from state income tax.
by whodidntante
Sun Feb 18, 2018 7:47 pm
Forum: Investing - Theory, News & General
Topic: Switching to Gov't Bonds as you get closer to retirement?
Replies: 6
Views: 711

Re: Switching to Gov't Bonds as you get closer to retirement?

You still have term risk with sovereign bonds. You solve the credit risk issue for all practical purposes. Swedroe has advised to use short-term treasuries exclusively in one of his model portfolios. But the same portfolio took on more risk with equities (SCV). I think we're all living with the ghos...
by whodidntante
Sun Feb 18, 2018 7:08 pm
Forum: Forum Issues and Administration
Topic: Fewer Readers Despite Continued Market Volatility
Replies: 7
Views: 649

Re: Fewer Readers Despite Continued Market Volatility

Someone should make an ETF based on the predictive power of bogleheads.org traffic. Make sure to apply blockchain and AI so you don't have to spend money on marketing. Ticker: BOGL
by whodidntante
Sun Feb 18, 2018 6:20 pm
Forum: Investing - Help with Personal Investments
Topic: I reduced my exposure to US stocks before the correction.
Replies: 36
Views: 3157

Re: I reduced my exposure to US stocks before the correction.

A 50% drop in equities would change the tone of the U.S. Stocks in Freefall permathread significantly.
by whodidntante
Sun Feb 18, 2018 6:13 pm
Forum: Investing - Help with Personal Investments
Topic: Expected return of US vs International, basic question
Replies: 26
Views: 1349

Re: Expected return of US vs International, basic question

There are a lot of benefits to international diversification but for me the main one is the hopefully unlikely scenario that the US suffers some sort of country specific phenomenon like Japan that leads to decades of subpar returns. That's one reason for me. We can imagine far worse scenarios if we...
by whodidntante
Sun Feb 18, 2018 5:52 pm
Forum: Investing - Theory, News & General
Topic: Old 401k Statements
Replies: 9
Views: 732

Re: Old 401k Statements

Whenever I encounter an old one I look at it for nostalgia, to see where I was and what I thought a good investment was at that time. But then I either shred it or put it back where I found it.
by whodidntante
Sun Feb 18, 2018 5:48 pm
Forum: Investing - Help with Personal Investments
Topic: I reduced my exposure to US stocks before the correction.
Replies: 36
Views: 3157

Re: I reduced my exposure to US stocks before the correction.

I did too, accidentally. I liquidated my HSA investments for a trustee to trustee transfer. They were sold near the (current) top and rebought near the (current) bottom strictly by luck.
by whodidntante
Sun Feb 18, 2018 5:13 pm
Forum: Investing - Help with Personal Investments
Topic: Please help me sensibly add EM and Dev into my portfolio
Replies: 13
Views: 521

Re: Please help me sensibly add EM and Dev into my portfolio

The TSP I fund is fine, and will soon include emerging markets. If you want more EM than that, you could buy an emerging markets index fund at Vanguard. For example, this one. You would sell some of the target retirement fund to generate cash for it, or use some of your 50% cash allocation to buy i...
by whodidntante
Sun Feb 18, 2018 4:31 pm
Forum: Investing - Help with Personal Investments
Topic: Please help me sensibly add EM and Dev into my portfolio
Replies: 13
Views: 521

Re: Please help me sensibly add EM and Dev into my portfolio

The TSP I fund is fine, and will soon include emerging markets. If you want more EM than that, you could buy an emerging markets index fund at Vanguard. For example, this one. You would sell some of the target retirement fund to generate cash for it, or use some of your 50% cash allocation to buy it...
by whodidntante
Sun Feb 18, 2018 2:59 pm
Forum: Personal Finance (Not Investing)
Topic: Talk to me about jobs with primerica
Replies: 13
Views: 717

Re: Talk to me about jobs with primerica

I don't know a ton about that company, but I can give one data point. YMMV. I listened to one of their sales pitches when I was in college 900 years ago. The advisor was bragging about how much money he was making helping people live their dreams. He also told us what kind of car he drove, and that ...
by whodidntante
Sun Feb 18, 2018 2:44 pm
Forum: Investing - Theory, News & General
Topic: Stock Market Trend [Theories/Myths]
Replies: 6
Views: 570

Re: Stock Market Trend Conspiracy Theories/Myths

Markets up on the days of the month welfare is issued. I don't think "welfare" payments are really a thing in the USA. Unless you are referring to social security disability, social security retirement benefits, public housing assistance, public food assistance, military medical and pension benefit...
by whodidntante
Sun Feb 18, 2018 1:32 pm
Forum: Investing - Help with Personal Investments
Topic: HSA's - invest or use for current expenses?
Replies: 10
Views: 665

Re: HSA's - invest or use for current expenses?

This is my third year of having a HDHP and an HSA. I've maxed it each year. I've never withdrawn money from it. I would if I felt I needed to. I previously had my HSA money invested in emerging markets equities, but my work changed which HSA provider they were willing to pay for. That new provider o...
by whodidntante
Sun Feb 18, 2018 1:16 pm
Forum: Investing - Help with Personal Investments
Topic: Sell me on the benefits of an emergency fund
Replies: 119
Views: 6544

Re: Sell me on the benefits of an emergency fund

A major earthquake hits. Power is knocked-out, businesses are closed. The only thing being accepted is cash. I go to my safe and pull out my emergence fund - a stack on fresh bills to trade for food and water. Replace "earthquake" with "Chinese cyberattack" or "fire" or "flood" or ... 30 gallons of...
by whodidntante
Sun Feb 18, 2018 1:14 pm
Forum: Investing - Help with Personal Investments
Topic: Sell me on the benefits of an emergency fund
Replies: 119
Views: 6544

Re: Sell me on the benefits of an emergency fund

Im sure people here will talk about all the emergencies that could happen, but in reality, having the fund was a terrible decision for me, and i got rid of it. I have significant taxable holdings, and a few credit cards. YMMV Same here. People with sufficient liquidity don't need a big pile of cash...
by whodidntante
Sun Feb 18, 2018 12:59 pm
Forum: Investing - Help with Personal Investments
Topic: Expected return of US vs International, basic question
Replies: 26
Views: 1349

Re: Expected return of US vs International, basic question

z3r0c00l wrote:
Sun Feb 18, 2018 10:34 am
Expectations are meaningless to me.
Why own stocks, then?
by whodidntante
Sun Feb 18, 2018 12:30 pm
Forum: Personal Finance (Not Investing)
Topic: Pre- vs post-tax saving: Am I thinking it wrong?
Replies: 25
Views: 1624

Re: Pre- vs post-tax saving: Am I thinking it wrong?

Since discussion of this topic (Roth vs traditional) necessarily entails at least some minor speculation about future tax rate changes, it may also be worth considering the scenario, however unlikely, where a future tax is levied on Roth account withdrawals. I won't go any further than that since I...
by whodidntante
Sun Feb 18, 2018 1:46 am
Forum: Investing - Theory, News & General
Topic: Target Retirement Fund Question
Replies: 20
Views: 1483

Re: Target Retirement Fund Question

Two people cannot be in control. When you buy a target date fund, you are ceding control of your investments to a professional manager. It doesn't sound like you want that, so don't buy it.
by whodidntante
Sat Feb 17, 2018 8:50 pm
Forum: Personal Finance (Not Investing)
Topic: Using Emergency Fund to pay off loan
Replies: 7
Views: 480

Re: Using Emergency Fund to pay off loan

3.25% is still pretty cheap. I wouldn't get excited about paying it down. But consider investing some of that "emergency fund." A year of salary is excessive for most people.
by whodidntante
Sat Feb 17, 2018 7:02 pm
Forum: Investing - Help with Personal Investments
Topic: New to bond investing — should I seek more diversity?
Replies: 10
Views: 659

Re: New to bond investing — should I seek more diversity?

Also does "take on more risk" mean put more in equities or is there a way to choose bonds that are riskier but might produce higher returns? Yes you can. Emerging market bonds and high yield bonds would work. However, some bogleheads don't recommend these assets because they are sometimes highly co...
by whodidntante
Sat Feb 17, 2018 5:54 pm
Forum: Personal Finance (Not Investing)
Topic: Illinois 1040 Schedule SA
Replies: 1
Views: 161

Illinois 1040 Schedule SA

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Deleted
by whodidntante
Sat Feb 17, 2018 4:24 pm
Forum: Investing - Help with Personal Investments
Topic: New to bond investing — should I seek more diversity?
Replies: 10
Views: 659

Re: New to bond investing — should I seek more diversity?

The main question is, what are you trying to accomplish by changing your allocation? Great question, I should have mentioned that in the original post. 100% of this portfolio is for retirement in ~35 years (at least that's the plan — I know a lot can happen in that time). I was thinking that the bo...
by whodidntante
Sat Feb 17, 2018 3:43 pm
Forum: Investing - Help with Personal Investments
Topic: New to bond investing — should I seek more diversity?
Replies: 10
Views: 659

Re: New to bond investing — should I seek more diversity?

I have been managing my own portfolio for about three years now, and have just gotten comfortable enough to move my holdings out of Target Retirement 2055 funds (which were 90% equity) and start holding and rebalancing individual funds. I have also moved into a more conservative asset allocation (7...
by whodidntante
Sat Feb 17, 2018 2:21 pm
Forum: Investing - Help with Personal Investments
Topic: Recommendations for Fidelity Bond Funds in Taxable Account
Replies: 25
Views: 1656

Re: Recommendations for Fidelity Bond Funds in Taxable Account

You could put your bonds in tax deferred and hold nothing but equity index ETFs in taxable. You would likely not owe any tax on qualified dividends or on LTCG.
by whodidntante
Sat Feb 17, 2018 1:27 am
Forum: Investing - Theory, News & General
Topic: Bberg: bond bulls say they'll have the last laugh
Replies: 16
Views: 2112

Re: Bberg: bond bulls say they'll have the last laugh

My own take is slightly different. I think we are headed for stagflation. Higher inflation but weak economic growth. All this tax stuff is just a head fake. The retail consumer, who drive like 70% of the U.S. economy is still dead-in-the-water... Ah. The one environment where we all lose. TIPS don'...
by whodidntante
Sat Feb 17, 2018 1:18 am
Forum: Investing - Help with Personal Investments
Topic: Bonds — Appreciate Some Advice
Replies: 9
Views: 892

Re: Bonds — Appreciate Some Advice

The trend followers are out of bonds because they got their sell signal already. https://s13.postimg.org/hfawsbe9j/sellbonds.jpg But I think you'll be just fine, though maybe extremely bored, if you hang on. A terrible market for bonds is maybe a 10% nominal loss -- nothing like a terrible market fo...
by whodidntante
Sat Feb 17, 2018 1:01 am
Forum: Personal Finance (Not Investing)
Topic: Pre- vs post-tax saving: Am I thinking it wrong?
Replies: 25
Views: 1624

Re: Pre- vs post-tax saving: Am I thinking it wrong?

One factor that often gets overlooked is that by deferring tax liability until later, you have more money today. Since you are a rational investor, you will save that additional money also, and you'll do it in the most tax efficient way available. That money also goes to work for you. It wears glove...
by whodidntante
Sat Feb 17, 2018 12:48 am
Forum: Personal Consumer Issues
Topic: Mixing fuel octanes for cars
Replies: 41
Views: 2398

Re: Mixing fuel octanes for cars

I've seen reports of people mixing e-85 with e-10 or pure gasoline due to ethanol's extremely high octane rating. The tradeoff is potential damage of a few components of the fuel system, and also reduced fuel economy because ethanol has a lower energy density than gasoline. However, manufacturers ex...
by whodidntante
Fri Feb 16, 2018 9:11 pm
Forum: Investing - Theory, News & General
Topic: Which book for an 18 year old who is asking about investing?
Replies: 40
Views: 2277

Re: Which book for an 18 year old who is asking about investing?

There is so much good stuff available for free online that I don't think a general purpose book is necessary, though you still might prefer a book. You could learn more from the Bogleheads wiki than from 99% of the books on the shelf. And if you only read a book, you won't know when Livesoft is joki...
by whodidntante
Fri Feb 16, 2018 7:42 pm
Forum: Personal Finance (Not Investing)
Topic: what is marginal tax rate?
Replies: 23
Views: 1669

Re: what is marginal tax rate?

It's the tax rate you paid on the last dollar earned.
by whodidntante
Fri Feb 16, 2018 7:35 pm
Forum: Personal Finance (Not Investing)
Topic: Doctor wants Social Security number
Replies: 78
Views: 10536

Re: Doctor wants Social Security number

We never provide our SS number when asked. We are on Medicare, but never use the Medicare number, only the insurance ID number on our insurance card from a Medicare Advantage policy. My wife declined to provide her SSN on new provider paperwork. The following month when the MD was going over her fi...
by whodidntante
Fri Feb 16, 2018 7:33 pm
Forum: Personal Finance (Not Investing)
Topic: Doctor wants Social Security number
Replies: 78
Views: 10536

Re: Doctor wants Social Security number

All kinds of people ask for all kinds of information. What you provide is up to you. If there isn't a good reason, and you don't want to, don't provide it. You could also give the first nine digits of Pi if you don't want to engage the worker who was told to make sure everyone fills out the form com...
by whodidntante
Fri Feb 16, 2018 1:50 pm
Forum: Investing - Help with Personal Investments
Topic: Tax loss harvesting and whether robo-investor fees are worth it
Replies: 22
Views: 1589

Re: Tax loss harvesting and whether robo-investor fees are worth it

Wealthfront is like training wheels for your bicycle. It might give you the confidence to ride, but it affects the handling and it costs something. And it shouldn't be used for long.
by whodidntante
Fri Feb 16, 2018 1:16 pm
Forum: Investing - Theory, News & General
Topic: Vanguard LifeStrategy Funds vs. Target Date Funds
Replies: 62
Views: 5067

Re: Vanguard LifeStrategy Funds vs. Target Date Funds

Personally, I find the 'glidepaths' for virtually all target date funds to be overly conservative. A 25 year old isn't likely to benefit from having 10% in bonds, for instance; there will not be a significant decrease in fund drawdowns, and this will merely serve as a drag on portfolio returns for ...
by whodidntante
Fri Feb 16, 2018 12:18 am
Forum: Investing - Theory, News & General
Topic: U.S. bonds in freefall
Replies: 33
Views: 5362

Re: U.S. bonds in freefall

Grt2bOutdoors wrote:
Thu Feb 15, 2018 11:45 pm
whodidntante wrote:
Wed Feb 14, 2018 10:07 pm
Do you know how you lose money in a bond fund? 0.3% at a time.
Much better than losing it 3% at a time. And don’t say it can’t happen....
But was it a Friday?
by whodidntante
Thu Feb 15, 2018 8:45 pm
Forum: Investing - Help with Personal Investments
Topic: Tax efficiency of VFMF US Multifactor ETF?
Replies: 5
Views: 425

Re: Tax efficiency of VFMF US Multifactor ETF?

LRGF iShares Edge MSCI Multifactor USA ETF has never distributed capital gains, and it is the most similar fund to this new kid on the block. Some people think Vanguard is good at running mutual funds, too.
by whodidntante
Thu Feb 15, 2018 7:57 pm
Forum: Investing - Help with Personal Investments
Topic: Deploying bonus
Replies: 5
Views: 651

Re: Deploying bonus

That seems awfully complicated. If you have money, invest it.
by whodidntante
Thu Feb 15, 2018 7:19 pm
Forum: Investing - Help with Personal Investments
Topic: American Funds Growth Fund vs Index
Replies: 9
Views: 702

Re: American Funds Growth Fund vs Index

That fund is heavily concentrated towards large cap growth, which has been doing rather well lately. However, value tends to beat growth over the long haul. So this fund is more likely to lag the market than lead it over my lifetime, I think. Plus, it's unacceptably expensive. I have American Funds ...
by whodidntante
Thu Feb 15, 2018 6:37 pm
Forum: Investing - Theory, News & General
Topic: Is Tax-Managed Small Cap (VTMSX) an underrated fund?
Replies: 5
Views: 649

Re: Is Tax-Managed Small Cap (VTMSX) an underrated fund?

I would expect it to have a growth tilt and that's what the Morningstar style boxes indicate. I realize that is a different methodology than a factor regression. Style would be one concern. I don't really want to own a small cap fund, when I have so many good and cheap options for small cap value, o...
by whodidntante
Thu Feb 15, 2018 8:32 am
Forum: Investing - Help with Personal Investments
Topic: Why are TLT and AGG declining so much?
Replies: 10
Views: 1285

Re: Why are TLT and AGG declining so much?

In any case, it seemed that historically, TLT in particular, generally went in the opposite direction of the market (let's use SPY as the example). Could it be because stocks and bonds have their own markets? What caused stocks and bonds to move in the opposite direction "historically" and do those...
by whodidntante
Thu Feb 15, 2018 7:54 am
Forum: Investing - Theory, News & General
Topic: Do you currency hedge Int'l?
Replies: 18
Views: 825

Re: Do you currency hedge Int'l?

I do not hedge because it costs something and it likely won't matter. Fun fact, a fund's ER does not include the bulk of hedging costs.
by whodidntante
Wed Feb 14, 2018 11:49 pm
Forum: Personal Consumer Issues
Topic: PSA: Bank of America now charges $12/month for checking
Replies: 103
Views: 6480

Re: PSA: Bank of America now charges $12/month for checking

finite_difference wrote:
Wed Feb 14, 2018 11:26 pm
Jack FFR1846 wrote:
Wed Feb 14, 2018 1:55 pm
There's a reason why BoA's nick name is "the Evil Empire".

(cue Darth Vader music)
I thought Wells Fargo took over that role :twisted:
WF has been limited to one Death Star.
by whodidntante
Wed Feb 14, 2018 11:47 pm
Forum: Personal Finance (Not Investing)
Topic: My Over $300K Vanguard Balance Disappeared?
Replies: 62
Views: 10026

Re: My Over $300K Vanguard Balance Disappeared?

They must have been thinking about the interests of the other owners.
by whodidntante
Wed Feb 14, 2018 11:10 pm
Forum: Investing - Theory, News & General
Topic: What is the most the stock market has ever been down in 5 year period?
Replies: 19
Views: 2947

Re: What is the most the stock market has ever been down in 5 year period?

-61% is only the most OUR stock market has been down. Survivorship bias. Our market is the most successful which is why people talk about it the most. The most ANY stock market has been down is 100%. +1. Some stock markets have gone to zero, currencies have become worthless, and governments sometim...
by whodidntante
Wed Feb 14, 2018 10:58 pm
Forum: Investing - Theory, News & General
Topic: Can someone help me explain to my wife...?
Replies: 76
Views: 8071

Re: Can someone help me explain to my wife...?

If you're going to market time, at least used a quantitative, evidence based model. Perhaps you could read Meb Faber's book together and select a trigger together.
by whodidntante
Wed Feb 14, 2018 10:51 pm
Forum: Investing - Help with Personal Investments
Topic: When to pay off debt instead of invest?
Replies: 27
Views: 1220

Re: When to pay off debt instead of invest?

#4. Buy stocks in taxable, then exchange stocks for bonds in tax deferred if you value liquidity and tax efficiency.