Search found 64 matches

by bogleboyz
Tue Sep 05, 2017 12:45 am
Forum: Investing - Help with Personal Investments
Topic: personal capital
Replies: 19
Views: 2017

personal capital

Has anyone had experience with personal capital ? I recently started using their dashboard which is great. I got a call from one of their advisors. their main sales pitch was aggressive TLH and that they would create your own index of stocks instead of total stock market which is heavily weighted by...
by bogleboyz
Tue Sep 05, 2017 12:18 am
Forum: Personal Finance (Not Investing)
Topic: Becoming a Landlord: My Experiences
Replies: 108
Views: 16551

Re: Becoming a Landlord: My Experiences

can anyone explain whats the process of transferring the title of a rental property from one's own name to an LLC.
i was told about a quit claim deed?
Has anyone had experience with this ?
Any help would be appreciated
by bogleboyz
Wed Jul 05, 2017 1:30 am
Forum: Personal Finance (Not Investing)
Topic: mortgage for investment/rental property
Replies: 3
Views: 520

mortgage for investment/rental property

Hi all we are looking into buying an investment/rental property. We just had our offer accepted for a 4-plex unit. Now comes the next step of applying for the loan. Whats the best way of applying for loan for investment property? I have emailed the mortgage person for BOA, wells fargo and a couple o...
by bogleboyz
Sun Jul 02, 2017 12:40 am
Forum: Investing - Help with Personal Investments
Topic: HSA and tax loss harvesting
Replies: 2
Views: 461

HSA and tax loss harvesting

i have a few questions regarding tax loss harvesting 1) if you own total stock market in both your taxable account and HSA, does that affect tax loss harvesting because of the wash sale rule? HSA will have regular contributions throughout the year to be invested in the total stock market? 2) if you ...
by bogleboyz
Sat Jun 24, 2017 3:19 pm
Forum: Investing - Help with Personal Investments
Topic: need help with portfolio and asset location
Replies: 8
Views: 1186

Re: need help with portfolio and asset location

what fund do you use for small value in taxable? VBR and IJS. Generally IJS is more tax efficient, probably due to lower REIT percentage. since my taxable account is with vanguard, can i hold IJS? what are the fees for holding IJS at vanguard? whats the impact of holding VBR or IJS in taxable. How ...
by bogleboyz
Sat Jun 24, 2017 3:13 pm
Forum: Investing - Help with Personal Investments
Topic: portfolio feedback
Replies: 3
Views: 459

Re: portfolio feedback

Thanks for your reply i am using the HSA for retirement. I was initially going to keep it simple and just use total stock market for the HSA. However i was told that i wont be able to use total loss harvesting if i have the same funds in the HSA as the funds in my taxable account currently my taxabl...
by bogleboyz
Thu Jun 22, 2017 1:11 am
Forum: Investing - Help with Personal Investments
Topic: portfolio feedback
Replies: 3
Views: 459

portfolio feedback

Hi Everyone I am trying to make some changes to my portfolio and would love to get your feedback on my portfolio and the location of the assets so far i have been using the fidelity freedom funds 2045 fund (FFKGX) (ER 0.64) in my 401k and 457 at fidelity. I also have roth IRA account for myself and ...
by bogleboyz
Thu Jun 22, 2017 12:18 am
Forum: Investing - Help with Personal Investments
Topic: need help with portfolio and asset location
Replies: 8
Views: 1186

Re: need help with portfolio and asset location

what fund do you use for small value in taxable?
it was my understanding that small value should be held in retirement accounts as it may not be tax efficient.
whats the impact of holding small vale in taxable from taxes stand point? doesnt that affect your return?
by bogleboyz
Wed Jun 21, 2017 12:28 am
Forum: Investing - Help with Personal Investments
Topic: need help with portfolio and asset location
Replies: 8
Views: 1186

Re: need help with portfolio and asset location

Thanks for your reply My current portfolio is a combination of the fidelity target date fund and vanguard total stock market, vanguard total international stock market. I will only be making changes in the retirement accounts to there will be no capital gains. I will change future contributions in t...
by bogleboyz
Sun Jun 18, 2017 7:57 pm
Forum: Investing - Help with Personal Investments
Topic: need help with portfolio and asset location
Replies: 8
Views: 1186

need help with portfolio and asset location

Hi all I am trying to get my financial house in order and would love to get your feedback on my portfolio and the location of the assets so far i have been using the fidelity freedom funds 2045 fund (FFKGX) (ER 0.64) in my 401k and 457 at fidelity. I also have roth IRA account for myself and my wife...
by bogleboyz
Mon May 29, 2017 10:00 pm
Forum: Investing - Help with Personal Investments
Topic: how do you invest the bond portion of your portfolio
Replies: 19
Views: 2128

how do you invest the bond portion of your portfolio

Hi Everyone I was wondering how do you guys invest the bond portion of your portfolio I am in late 30's I have read that you should invest half of the bond portion in a bond index fund and the other half in TIPS. so i was planning to invest half of the bond portion in Vanguard Total Bond Market Inde...
by bogleboyz
Sun May 14, 2017 1:50 pm
Forum: Investing - Help with Personal Investments
Topic: how do you invest your HSA
Replies: 47
Views: 4811

how do you invest your HSA

Hi everyone I just started HSA and was wondering how should i invest the HSA I have about $1000 in the HSA currently to invest (health equity requires $2000 balance in cash). I was thinking about using the Vanguard Institutional Index Fund Institutional Plus Shares (VIIIX) with expense ratio of 0.02...
by bogleboyz
Sun May 07, 2017 4:01 am
Forum: Investing - Help with Personal Investments
Topic: health equity HSA
Replies: 6
Views: 985

Re: health equity HSA

thanks for your reply. as i said there are no other options. seems like they got rid of the high expense ratio funds. They now have only vanguard funds but the added fee makes them expensive as well. my only option would be to look into transferring into another HSA carrier which i am not sure if i ...
by bogleboyz
Sat May 06, 2017 6:12 pm
Forum: Investing - Help with Personal Investments
Topic: health equity HSA
Replies: 6
Views: 985

health equity HSA

Hi everyone i was wondering if anyone has experience with health equity HSA. I just started an HSA with them through my employer. They have a number of low cost vanguard index funds but it seems like they add an additional fee of 0.396% per year (0.033% monthly fee) which obviously increases the exp...
by bogleboyz
Sat May 06, 2017 5:29 am
Forum: Investing - Theory, News & General
Topic: value stocks in taxable
Replies: 8
Views: 692

value stocks in taxable

what do you guys think about holding value stocks such as small value index, large value index funds in taxable account? I would like to tilt a bit with value stocks but dont have enough space in my tax deferred accounts (401, 457,roth) as they contain bonds and REIT index fund. or should i just sti...
by bogleboyz
Tue Apr 25, 2017 12:26 am
Forum: Investing - Theory, News & General
Topic: foreign tax credit for international stocks
Replies: 12
Views: 1186

Re: foreign tax credit for international stocks

so are you saying that holding international stocks in taxable is not recommended? my tax protected space is limited and filled with generally bonds, therefore i was planning to keep the international stocks in the taxable using the Vanguard total international stock index fund. The dividends for T...
by bogleboyz
Sun Apr 23, 2017 9:57 pm
Forum: Investing - Theory, News & General
Topic: foreign tax credit for international stocks
Replies: 12
Views: 1186

Re: foreign tax credit for international stocks

White Coat Investor wrote:It's not a bad taxable holding. You certainly do get the foreign tax credit on it. But it's yield is higher than TSMs, so it might not be as tax efficient.


is there a better fund to use for international stocks in the taxable?
by bogleboyz
Sun Apr 23, 2017 9:57 pm
Forum: Investing - Theory, News & General
Topic: foreign tax credit for international stocks
Replies: 12
Views: 1186

Re: foreign tax credit for international stocks

Generally it is recommended to hold the international stocks in the taxable to allow taking advantage of foreign tax credit Due to the higher dividend rate and lower QDI percentage of international vs. domestic stocks, this recommendation is not currently valid. thanks for your reply. so are you sa...
by bogleboyz
Sun Apr 23, 2017 9:52 pm
Forum: Investing - Help with Personal Investments
Topic: VPAS Investment Plan Check
Replies: 10
Views: 854

Re: VPAS Investment Plan Check

Bogleheads! Thank you to everyone who contributes to this forum and wiki. It is always refreshing to dive into new subjects and learn. My investments have been conservative, small and chose to save more and keep in a money market account and CDs. Thanks to my eyes opening up more to my finances I w...
by bogleboyz
Sun Apr 23, 2017 9:30 pm
Forum: Investing - Theory, News & General
Topic: foreign tax credit for international stocks
Replies: 12
Views: 1186

foreign tax credit for international stocks

Generally it is recommended to hold the international stocks in the taxable to allow taking advantage of foreign tax credit I generally use the Vanguard total international stock index fund. However when reading bernstein's Four Pillars of investing , he recommends against owning Vanguard total inte...
by bogleboyz
Tue Apr 18, 2017 9:55 pm
Forum: Investing - Help with Personal Investments
Topic: Fidelity equivalent of Vanguard small value index fund
Replies: 9
Views: 890

Re: Fidelity equivalent of Vanguard small value index fund

Are you limited to only mutual funds or can you use ETFs? If you're limited to just funds, then your options are a bit limited to stay commission-free. Fidelity's Enhanced Small Cap Index is a quantitative fund that covers value, quality, and momentum. It's decent, if expensive. FCPEX. .68. Norther...
by bogleboyz
Tue Apr 18, 2017 9:54 pm
Forum: Investing - Help with Personal Investments
Topic: Fidelity equivalent of Vanguard small value index fund
Replies: 9
Views: 890

Re: Fidelity equivalent of Vanguard small value index fund

Can someone please suggest a Fidelity equivalent of Vanguard small value index fund I would like to use a small value index fund in my 401 k with Fidelity I have access to all the fidelity funds through brokerage link but will have to pay extra fees for vanguard funds thanks IJS (Blackrock ETF) sho...
by bogleboyz
Tue Apr 18, 2017 9:53 pm
Forum: Investing - Help with Personal Investments
Topic: Fidelity equivalent of Vanguard small value index fund
Replies: 9
Views: 890

Re: Fidelity equivalent of Vanguard small value index fund

whodidntante wrote:IJS iShares S&P Small-Cap 600 Value is available commission free for this Fidelity customer. I just bought some of it today. This is a superior fund to Vanguard's.


thanks for the info. i will look into it
by bogleboyz
Tue Apr 18, 2017 9:52 pm
Forum: Investing - Help with Personal Investments
Topic: Fidelity equivalent of Vanguard small value index fund
Replies: 9
Views: 890

Re: Fidelity equivalent of Vanguard small value index fund

IJS all the way. The Vanguard fund is not actually small-cap, but is 50/50 Mid/Small (per Morningstar's evaluation of US Stocks). The Value Premium is best when coupled with the Size Premium, so the smaller the better. Also S&P 600 has a quality component (profitable business requirement) which...
by bogleboyz
Mon Apr 17, 2017 9:52 pm
Forum: Investing - Help with Personal Investments
Topic: Fidelity equivalent of Vanguard small value index fund
Replies: 9
Views: 890

Fidelity equivalent of Vanguard small value index fund

Can someone please suggest a Fidelity equivalent of Vanguard small value index fund
I would like to use a small value index fund in my 401 k with Fidelity
I have access to all the fidelity funds through brokerage link but will have to pay extra fees for vanguard funds

thanks
by bogleboyz
Mon Apr 17, 2017 9:47 pm
Forum: Investing - Help with Personal Investments
Topic: help with portfolio and asset location
Replies: 6
Views: 829

Re: help with portfolio and asset location

For the 401k and the 457 plan I would use a combination of the Vanguard S&P 500 and the Extended Market index. The two together in the right proportion are the equivalent of total stock market. I would suggest a short term TIPS fund, or possible a stable value fund if one is available and pays ...
by bogleboyz
Mon Apr 17, 2017 9:35 pm
Forum: Investing - Help with Personal Investments
Topic: help with portfolio and asset location
Replies: 6
Views: 829

Re: help with portfolio and asset location

Why have both the Vanguard Total Stock Market and a small-cap index fund? What is your rationale for leaning towards both small-cap and REITs? As for dealing with having only Vanguard S&P 500 and Extended available, I have the same situation in one account. The last time I did the calculations,...
by bogleboyz
Sat Apr 15, 2017 9:20 pm
Forum: Investing - Help with Personal Investments
Topic: help with portfolio and asset location
Replies: 6
Views: 829

help with portfolio and asset location

Hi I am trying to get my financial house in order and would love to get your feedback on my portfolio and the location of the assets so far i have been using the fidelity freedom funds 2045 fund (FFKGX) (ER 0.64) in my 401k and 457 at fidelity. I also have roth IRA account for myself and my wife, pl...
by bogleboyz
Thu Mar 23, 2017 11:57 pm
Forum: Personal Finance (Not Investing)
Topic: Disability insurance question
Replies: 1
Views: 251

Disability insurance question

Hi Everyone I am facing a dilemna whether to change my disability insurance I currently have a metlife disability policy for $5,000 monthly benefit (omni advantage) with elimination period of 180 days. I am paying about $2,080 per year It has the following riders lifetime benefit for total disabilit...
by bogleboyz
Sun Mar 19, 2017 12:21 am
Forum: Investing - Help with Personal Investments
Topic: help with asset allocation across multiple accounts
Replies: 10
Views: 1072

Re: help with asset allocation across multiple accounts

I recommend that you truly understand how much taxes you would pay by having a value fund in taxable and a total stock market index fund in taxable. If you would have the same taxes either way or maybe only a very slight difference, then I would think that you would not worry about value funds in t...
by bogleboyz
Thu Mar 16, 2017 10:53 pm
Forum: Investing - Help with Personal Investments
Topic: help with asset allocation across multiple accounts
Replies: 10
Views: 1072

Re: help with asset allocation across multiple accounts

do tax exempt muni bonds make sense if i dont have any state tax tax? Only if you want to save yourself 39% in Federal income taxes. You do understand that you hold such tax-exempt muni bond funds in your taxable account, right? I understand that i dont have to pay federal taxes on muni bond funds....
by bogleboyz
Tue Mar 14, 2017 11:39 pm
Forum: Investing - Help with Personal Investments
Topic: help with asset allocation across multiple accounts
Replies: 10
Views: 1072

Re: help with asset allocation across multiple accounts

Either use tax-exempt muni bond funds in taxable or put your bond funds in a tax-deferred account like the 401(k) or 457. Thanks for your suggestions do tax exempt muni bonds make sense if i dont have any state tax tax? If i place the bonds/TIPS in the 401/457, then i wont have enough space in the ...
by bogleboyz
Tue Mar 14, 2017 11:36 pm
Forum: Investing - Help with Personal Investments
Topic: help with asset allocation across multiple accounts
Replies: 10
Views: 1072

Re: help with asset allocation across multiple accounts

You are off to a great start. A couple of thoughts: Bonds and TIPS are not normally held in taxable, they are not tax efficient products. I am not a big fan of 5% allocations. I call them "window dressing" because they make your portfolio look pretty but they don't do anything. For instan...
by bogleboyz
Sun Mar 12, 2017 11:17 pm
Forum: Investing - Help with Personal Investments
Topic: help with asset allocation across multiple accounts
Replies: 10
Views: 1072

help with asset allocation across multiple accounts

Hi I am some what new to this forum and would appreciate ur input regarding my portfolio I am trying to get my financial house in order and would love to get your feedback on my portfolio and the location of the assets so far i have been using the fidelity freedom funds 2045 fund (FFKGX) (ER 0.64) i...
by bogleboyz
Tue Dec 20, 2016 1:19 am
Forum: Investing - Help with Personal Investments
Topic: is this a good time to increase bonds and switch from target retirment funds
Replies: 11
Views: 1708

Re: is this a good time to increase bonds and switch from target retirment funds

VBTIX is a good fund to use in a tax-deferred account. WCI has explained why he chooses to use some bonds in taxable. If you understand his math and have a high marginal income tax bracket and will until you die, then I see no reason to not to have tax-exempt muni bond funds in taxable. I do not ho...
by bogleboyz
Mon Dec 19, 2016 1:00 am
Forum: Personal Finance (Not Investing)
Topic: Disability insurance question
Replies: 8
Views: 865

Re: Disability insurance question

If you are going to shop, then you might as well shop lots of carriers. Guardian, Ohio National, Principal, Ameritas. I just received an Ohio National LTD that came with a 10% premium reduction if I bought term life insurance as well. After one year I can drop the term life but keep the 10% discoun...
by bogleboyz
Mon Dec 19, 2016 12:44 am
Forum: Personal Finance (Not Investing)
Topic: Disability insurance question
Replies: 8
Views: 865

Re: Disability insurance question

How does the lifetime/decreasing benefit compare to your savings and retirement progression? I assume you get to keep the lower premium if you switch employers? my savings and retirement accounts should continue to build as we have a high savings rate. yes i keep the lower premium if i switch emplo...
by bogleboyz
Sun Dec 18, 2016 1:45 pm
Forum: Investing - Help with Personal Investments
Topic: is this a good time to increase bonds and switch from target retirment funds
Replies: 11
Views: 1708

Re: is this a good time to increase bonds and switch from target retirment funds

Any time is a good time to move from 95/5 to 75/25, in my opinion. The target date funds that are that concentrated in stocks differ little from an all-star fund. +1 OP - instead of worrying about bonds doing poorly and dragging down your return, you ought to be worrying about having a 95% allocati...
by bogleboyz
Sun Dec 18, 2016 1:36 pm
Forum: Personal Finance (Not Investing)
Topic: Disability insurance question
Replies: 8
Views: 865

Re: Disability insurance question

In general, I would lean away from optional insurance that is tied to my current employer. Things (for a lot of reasons) can change quickly. Even things like mergers can adversely affect things like this. the new disability policy would be personal and not tied to my employer. I just get a discount...
by bogleboyz
Sun Dec 18, 2016 4:00 am
Forum: Personal Finance (Not Investing)
Topic: Disability insurance question
Replies: 8
Views: 865

Disability insurance question

I am 37 years old currently with no medical problems I currently have a metlife disability policy for $5,000 monthly benefit (omni advantage) with elimination period of 180 days. I am paying about $2,080 per year It has the following riders lifetime benefit for total disability (no charge) monthly b...
by bogleboyz
Sun Dec 18, 2016 3:31 am
Forum: Investing - Help with Personal Investments
Topic: is this a good time to increase bonds and switch from target retirment funds
Replies: 11
Views: 1708

is this a good time to increase bonds and switch from target retirment funds

I have my work 401 K and 457 with fidelity. currently my accounts are invested in the Fidelity freedom fund 2045 (target retirement fund) expense ratio 0.64. I will be changing it to low cost index funds offered in the 401 and 457. I will also be increasing the bond allocation in my account. Current...
by bogleboyz
Sun Jun 26, 2016 5:57 pm
Forum: Investing - Help with Personal Investments
Topic: is this a good time to increase bonds and switch from target retirment funds
Replies: 14
Views: 1165

Re: is this a good time to increase bonds and switch from target retirment funds

I often say that questions with the word "time" in them are usually the wrong question. The switch you mention should make your portfolio less volatile, and give you much a lower expense ratio. Your intended changes seem reasonable to me. The Brexit vote doen't change the desirability of ...
by bogleboyz
Sun Jun 26, 2016 5:47 pm
Forum: Investing - Help with Personal Investments
Topic: is this a good time to increase bonds and switch from target retirment funds
Replies: 14
Views: 1165

Re: is this a good time to increase bonds and switch from target retirment funds

it seems like i will be buying more bonds at a higher price (after recent increase in bond prices) and selling stocks low. isnt this opposite of what we generally want to do? Yes, this is the opposite of what I would do. What kind of percentage changes are you talking about? Going from 5% bonds to ...
by bogleboyz
Sun Jun 26, 2016 5:26 pm
Forum: Investing - Help with Personal Investments
Topic: is this a good time to increase bonds and switch from target retirment funds
Replies: 14
Views: 1165

Re: is this a good time to increase bonds and switch from target retirment funds

Since your plan is to increase to 20% bonds, you could set your ongoing contributions to all bonds in the fund you are going to use for your 3 fund portfolio. I know it is market timing......but then at some point in the future you can move your Target date fund into the 3 new sub funds. This way y...
by bogleboyz
Sun Jun 26, 2016 5:23 pm
Forum: Investing - Help with Personal Investments
Topic: is this a good time to increase bonds and switch from target retirment funds
Replies: 14
Views: 1165

Re: is this a good time to increase bonds and switch from target retirment funds

TomatoTomahto wrote:I rebalance, or change AA, only with new money. Since you're accumulating, you can also.


i have already contributed the maximum for this year to both 401 and 457 so i cant direct new contributions until start of next year
by bogleboyz
Sun Jun 26, 2016 1:24 pm
Forum: Investing - Help with Personal Investments
Topic: is this a good time to increase bonds and switch from target retirment funds
Replies: 14
Views: 1165

is this a good time to increase bonds and switch from target retirment funds

I have my work 401 K and 457 with fidelity. currently my accounts are invested in the Fidelity freedom fund 2045 (target retirement fund) expense ratio 0.64. I will be changing it to low cost index funds offered in the 401 and 457. I will also be increasing the bond allocation in my account. Current...
by bogleboyz
Sun Jun 19, 2016 8:57 pm
Forum: Investing - Help with Personal Investments
Topic: help with asset allocation across multiple account
Replies: 20
Views: 2500

Re: help with asset allocation across multiple account

I am not sure how to do my own calculations thanks a lot once again The spreadsheet in that link was created by triceratop so that anybody could do the calculation. Maybe triceratop will provide more help. ok i was able to figure out how to modify the spread sheet. I changed the info regarding the ...
by bogleboyz
Sun Jun 19, 2016 5:49 pm
Forum: Investing - Help with Personal Investments
Topic: help with asset allocation across multiple account
Replies: 20
Views: 2500

Re: help with asset allocation across multiple account

do u mind plz explaining how to do the calculations regarding whether its going to be better to place TISM vs TSM in the taxable account? I am not sure how to determine whats best in my situation. I am in the highest tax bracket of 39% i would appreciate your input Sure, here it is again from earli...
by bogleboyz
Fri Jun 17, 2016 1:55 am
Forum: Investing - Help with Personal Investments
Topic: help with asset allocation across multiple account
Replies: 20
Views: 2500

Re: help with asset allocation across multiple account

I understand that the foreign tax credit may not be a huge issue, but i thought if it allows me to take advantage of the foreign tax credit in the taxable, then its reasonable to try placing international stocks in the taxable . In your tax bracket, it could be worse for you to place international ...
by bogleboyz
Thu Jun 16, 2016 12:27 am
Forum: Investing - Help with Personal Investments
Topic: help with asset allocation across multiple account
Replies: 20
Views: 2500

Re: help with asset allocation across multiple account

so far i have been using the fidelity freedom funds 2045 fund (FFKGX) (ER 0.64) in my 401k and 457 at fidelity. I use the Vanguard personal advisory service for the vanguard accounts (they charge 0.3%). Unfortunately they dont help much with the non-vanguard accounts. ((I do not think it is worth t...