Search found 221 matches

by sharukh
Sat Nov 09, 2019 8:37 pm
Forum: Investing - Theory, News & General
Topic: Why no one created a etf of dividend free stocks
Replies: 35
Views: 3360

Re: Why no one created a etf of dividend free stocks

I own one other one that will not pay dividends, Markel (MKL). I found one of your old post that has good links of dataroma https://www.bogleheads.org/forum/viewtopic.php?t=243386#p3816561 http://www.dataroma.com/m/holdings.php?m=BRK berkshire's public equity holdings as of Q4 2017. of course, berk...
by sharukh
Sat Nov 09, 2019 8:37 pm
Forum: Investing - Theory, News & General
Topic: Why no one created a etf of dividend free stocks
Replies: 35
Views: 3360

Re: Why no one created a etf of dividend free stocks

Hi, A theory question... There are so many etf s in the market. But no etf which is designed to hold only dividend free stocks. Is there no need for such etf for people, or there is too much complexity to provide such an etf ? Thanks You can create your own DIY fund for free at M1 Finance with a pi...
by sharukh
Sat Nov 09, 2019 2:09 pm
Forum: Investing - Theory, News & General
Topic: Why no one created a etf of dividend free stocks
Replies: 35
Views: 3360

Re: Why no one created a etf of dividend free stocks

Hi, A theory question... There are so many etf s in the market. But no etf which is designed to hold only dividend free stocks. Is there no need for such etf for people, or there is too much complexity to provide such an etf ? Thanks You can create your own DIY fund for free at M1 Finance with a pi...
by sharukh
Sat Nov 09, 2019 10:20 am
Forum: Investing - Theory, News & General
Topic: Why no one created a etf of dividend free stocks
Replies: 35
Views: 3360

Re: Why no one created a etf of dividend free stocks

There are so many etf s in the market. But no etf which is designed to hold only dividend free stocks. People sometimes ask this on Bogleheads. They seem to imagine that there are hundreds, maybe thousands of no-dividend stocks. That's not really true, especially when you look at things on a market...
by sharukh
Sat Nov 09, 2019 10:09 am
Forum: Personal Investments
Topic: How to optimize $2k bonus for Chase private banking
Replies: 7
Views: 1212

Re: How to optimize $2k bonus for Chase private banking

Chase has a $2k bonus for opening a private banking account (usually comes up as a Google ad when searching for Chase private banking). Unfortunately, the minimum deposit (which is $250k) must be kept for 90 days in either checking, savings, or managed brokerage account; YouInvest (which allows no-...
by sharukh
Sat Nov 09, 2019 7:28 am
Forum: Investing - Theory, News & General
Topic: Why no one created a etf of dividend free stocks
Replies: 35
Views: 3360

Re: Why no one created a etf of dividend free stocks

samirol wrote:
Sat Nov 09, 2019 7:17 am
Mid cap growth (VOT) only has a .8% yield, this would probably be your closest option to reduce dividends while getting a relatively diversified passive investing fund

Non dividend paying stocks as a group have historically underperformed the overall market
Thank you for sharing this
by sharukh
Sat Nov 09, 2019 7:13 am
Forum: Non-US Investing
Topic: Interactive Brokers Lite
Replies: 8
Views: 1397

Re: Interactive Brokers Lite

Thank you. After some research for my own purpose, I have more info to share from India taxation perspective: 1. Capital gains from VWRD and IWDA will be treated similar to local debt funds for taxation. Capital gains are classified as short-term (STCG) if held for less than 3 years and long-term g...
by sharukh
Sat Nov 09, 2019 7:03 am
Forum: Investing - Theory, News & General
Topic: Why no one created a etf of dividend free stocks
Replies: 35
Views: 3360

Why no one created a etf of dividend free stocks

Hi,

A theory question...

There are so many etf s in the market. But no etf which is designed to hold only dividend free stocks.

Is there no need for such etf for people, or there is too much complexity to provide such an etf ?

Thanks
by sharukh
Thu Oct 17, 2019 4:54 pm
Forum: Personal Investments
Topic: BRK or VTI for HSA In NJ ?
Replies: 17
Views: 964

Re: BRK or VTI for HSA In NJ ?

However, don't see why it would need to be SpecID. Other methods are just different, but they are still accurate. Because when you sell, you want to be able to choose lots for the best tax advantage. Remember, we're still talking about data for tax purposes here. If they can't do specific ID, then ...
by sharukh
Thu Oct 17, 2019 12:01 pm
Forum: Personal Investments
Topic: BRK or VTI for HSA In NJ ?
Replies: 17
Views: 964

Re: BRK or VTI for HSA In NJ ?

anon_investor wrote:
Thu Oct 17, 2019 9:36 am
It's unfortunately that NJ doesn't recognize HSAs... I vote for BRK, then moving out of NJ before you sell any of the BRK. :beer
Yeah brk seems to be most easy interms of dealing with this. :)
by sharukh
Thu Oct 17, 2019 9:54 am
Forum: Personal Investments
Topic: BRK or VTI for HSA In NJ ?
Replies: 17
Views: 964

Re: BRK or VTI for HSA In NJ ?

I don't really care now. I've left NJ and the HSA has added some nice low-cost options. They actually eliminated the Treasury Fund right after we left NJ, so good timing on our part. Are you sure Fidelity tracks it accurately? I have my Solo 401k there and I've found it to not be accurate, not that...
by sharukh
Wed Oct 16, 2019 10:32 pm
Forum: Personal Investments
Topic: BRK or VTI for HSA In NJ ?
Replies: 17
Views: 964

Re: BRK or VTI for HSA In NJ ?

Just view all investment accounts as part of a single portfolio and map some or all of your bond portfolio to the HSA. Hold treasuries or TIPS in it. Are you sure capital gains from treasury securities in the HSA are not taxed by NJ? Capital gains for treasury securities are often taxed by states. ...
by sharukh
Wed Oct 16, 2019 10:18 pm
Forum: Personal Investments
Topic: BRK or VTI for HSA In NJ ?
Replies: 17
Views: 964

BRK or VTI for HSA In NJ ?

Hi, Warren buffet stock vs vanguard index fund. NJ don’t recognize HSA. It taxes realized capital gains and dividends every year. I have a very long term time line for withdrawal. 20+ years . (Use it during retirement, no touching till then) Buying BRK will help in easy tax reporting as they don’t p...
by sharukh
Tue Oct 08, 2019 10:11 pm
Forum: Personal Investments
Topic: Mega Backdoor Roth or Taxable?
Replies: 5
Views: 749

Re: Mega Backdoor Roth or Taxable?

Mega back door will be equal to rollover. Rollover money can be with draw tax free and penalty free (not the gains) any time. (assuming that there was no growth initially when it was rolled over) if there was any growth then you may have to pay penalty on that small growth part, but nottaxes So choo...
by sharukh
Mon Oct 07, 2019 2:01 pm
Forum: Personal Investments
Topic: Nervous about TLH
Replies: 33
Views: 2410

Re: Nervous about TLH

You could also buy IXUS, if you were OK with owning a BlackRock ETF. It's closer to VTIAX since it holds small caps, but still tracks a different index. I did a VTIAX->VFWAX->IXUS->VTIAX trip a few years ago during a prolonged bad market for international, no issues when filing this. EDIT: sorry, I...
by sharukh
Fri Oct 04, 2019 6:28 am
Forum: Non-US Investing
Topic: Interactive Brokers Lite
Replies: 8
Views: 1397

Re: Interactive Brokers Lite

Hi, By any chance have you found out Indian tax rules for Irish etf like vwrd iwda. I plan on buying one of those 2 as vwrd is distracting and iwda is accumulating. Also with new rules one has to list full assets in tax filings if the money is held in these Irish etf. How safe is it to do that ? Th...
by sharukh
Thu Oct 03, 2019 9:39 pm
Forum: Non-US Investing
Topic: Interactive Brokers Lite
Replies: 8
Views: 1397

Re: Interactive Brokers Lite

This finally makes Vanguard ETFs accessible for Indians like me who don't have $100k to invest (to avoid account minimums). Still two concerns: 1. Would have been better to buy Ireland-domiciled Vanguard funds rather than US-domiciled. (A learning thanks to this forum.) 2. What if I face some issue...
by sharukh
Thu Oct 03, 2019 12:35 pm
Forum: Personal Investments
Topic: Target date retirement fund vs three funds
Replies: 19
Views: 2766

Re: Target date retirement fund vs three funds

I am going to help my oldest son start an roth IRA, he is in his early 30's. I was wondering if the Vanguard target date retirement fund would be better than having three or four funds? I started out with growth index , windsor II, and total stock market. I added health care at a later date. If you...
by sharukh
Tue Oct 01, 2019 7:44 pm
Forum: Non-US Investing
Topic: Schwab - U.S. ETFs and ETNs restrictions as of September 19
Replies: 36
Views: 3865

Re: Schwab - U.S. ETFs and ETNs restrictions as of September 19

its September 19, Have anyone heard from schwab on the list of UCITS ETFs that they support. Thank you. I logged in today, and saw lots of Ireland-listed iShares ETFs. Cool! Trouble is, the prospectus is quite clear that US citizens cannot purchase shares. I also got a hard copy letter today inform...
by sharukh
Mon Sep 30, 2019 8:09 pm
Forum: Non-US Investing
Topic: Schwab - U.S. ETFs and ETNs restrictions as of September 19
Replies: 36
Views: 3865

Re: Schwab - U.S. ETFs and ETNs restrictions as of September 19

its September 19, Have anyone heard from schwab on the list of UCITS ETFs that they support. Thank you. I logged in today, and saw lots of Ireland-listed iShares ETFs. Cool! Trouble is, the prospectus is quite clear that US citizens cannot purchase shares. I also got a hard copy letter today inform...
by sharukh
Sat Sep 21, 2019 8:07 am
Forum: Non-US Investing
Topic: Schwab - U.S. ETFs and ETNs restrictions as of September 19
Replies: 36
Views: 3865

Re: Schwab - U.S. ETFs and ETNs restrictions as of September 19

its September 19, Have anyone heard from schwab on the list of UCITS ETFs that they support. Thank you. I logged in today, and saw lots of Ireland-listed iShares ETFs. Cool! Trouble is, the prospectus is quite clear that US citizens cannot purchase shares. I also got a hard copy letter today inform...
by sharukh
Thu Sep 19, 2019 10:40 am
Forum: Non-US Investing
Topic: Schwab - U.S. ETFs and ETNs restrictions as of September 19
Replies: 36
Views: 3865

Re: Schwab - U.S. ETFs and ETNs restrictions as of September 19

its September 19, Have anyone heard from schwab on the list of UCITS ETFs that they support. Thank you.
by sharukh
Mon Sep 09, 2019 11:40 am
Forum: Personal Finance (Not Investing)
Topic: Lending to friend to India
Replies: 54
Views: 3845

Re: Lending to friend to India

I will be more concerned on "return OF money" over "return ON money" i.e. counter party risk is too high.
by sharukh
Fri Aug 30, 2019 6:47 am
Forum: Personal Investments
Topic: VTIAX International fund - should I give up on it?
Replies: 297
Views: 27158

Re: VTIAX International fund - should I give up on it?

vineviz wrote:
Tue Aug 27, 2019 4:00 pm
atdharris wrote:
Tue Aug 27, 2019 11:14 am
I have not seen any compelling reason to invest there.
If history is any guide, it is precisely during periods in which people "don't see any compelling reason to invest" that the best investment opportunity is present.

FUD is the prudent investor's best friend.
What is FUD?
by sharukh
Fri Aug 30, 2019 6:10 am
Forum: Personal Investments
Topic: Should I invest 100k into a total index or do it slowly
Replies: 58
Views: 6969

Re: Should I invest 100k into a total index or do it slowly

A one-time lump sum investment vs. dollar cost averaging is an intriguing question. A quick answer: time in the market favors a lump sum investment. This is correct statistically. "Statistical" presumes a large sample size. The problem is that you are not a part of statistics to you - there is only...
by sharukh
Thu Aug 29, 2019 9:19 pm
Forum: Investing - Theory, News & General
Topic: Dr. Bill Bernstein: Next "Bogleheads on Investing" podcast guest
Replies: 56
Views: 5931

Re: Dr. Bill Bernstein: Next "Bogleheads on Investing" podcast guest

Sample suggested portfolio for young(35 year old) retirees living on LeanFIRE 1.25 mil and 35k yearly expenses. What is the ideal FIRE number for 35k yearly expenses at 35 years old US vs international split suggestions Portfolio suggestions for people retiring to low cost emerging countries like In...
by sharukh
Tue Aug 27, 2019 9:13 pm
Forum: Investing - Theory, News & General
Topic: Best of Bogleheads - your #1 takeaway
Replies: 151
Views: 15323

Re: Best of Bogleheads - your #1 takeaway

About USA estate taxes for a NRA
by sharukh
Sun Aug 25, 2019 6:20 pm
Forum: Personal Finance (Not Investing)
Topic: How Have You Planned for Sequence of Return Risk (SOR)?
Replies: 178
Views: 11721

Re: How Have You Planned for Sequence of Return Risk (SOR)?

. . . . . . 5. What works is having a big huge portfolio to start with. That is, don't retire as soon as your portfolio just ever so barely meets some pre-conceived idea of what will barely work if one does all kinds of planning. The most simple plan is to just have so much money that it doesn't ma...
by sharukh
Sun Aug 25, 2019 3:52 am
Forum: Personal Investments
Topic: Does anyone use TIPS mutual funds for 100% of their LMP allocation?
Replies: 61
Views: 3562

Re: Does anyone use TIPS mutual funds for 100% of their LMP allocation?

Check this book
William J Bernstein
The Ages of the Investor: A Critical Look at Life-cycle Investing (Investing for Adults Book 1)

Choose individual tips with matching dates as a ladder instead of mutual fund.
by sharukh
Thu Aug 15, 2019 7:27 pm
Forum: Investing - Theory, News & General
Topic: Everyone wants to part you from your money essay
Replies: 2
Views: 1383

Re: Everyone wants to part you from your money essay

mhalley wrote:
Wed Aug 14, 2019 6:18 pm
How about one from 2006? link to the pdf:
https://archive.org/stream/EverybodyWan ... F_djvu.txt
Looks like a fun to read book. Thanks for the pointer to pdf.
by sharukh
Thu Aug 15, 2019 3:07 pm
Forum: Personal Finance (Not Investing)
Topic: When to move into retirement
Replies: 72
Views: 5815

Re: When to move into retirement

Can you ease into retirement by cutting back the hours (75%, 50%)? +1 Or mentally declare yourself retired, stop contributing to retirement funds and start spending the extra money on singular fun stuff (great vacation or two or three a year, new toy for a hobby and so on). You would still not draw...
by sharukh
Fri Aug 09, 2019 4:37 pm
Forum: Investing - Theory, News & General
Topic: "Locking in Gains" and How to Do So
Replies: 17
Views: 2133

Re: "Locking in Gains" and How to Do So

You can buy a put option to lock in gains for selected duration . But it might cost a bit
by sharukh
Fri Aug 09, 2019 2:38 am
Forum: Personal Finance (Not Investing)
Topic: Pretty much broke --- what would you advise?
Replies: 85
Views: 9918

Re: Pretty much broke --- what would you advise?

Just adding another option: may be move to Mexico or India. It is very easy to get by for just $750 a month
by sharukh
Tue Aug 06, 2019 1:26 pm
Forum: Investing - Theory, News & General
Topic: Is this right? "if you live off dividends, a crash in stocks prices doesn't matter"
Replies: 247
Views: 19062

Re: Is this right? "if you live off dividends, a crash in stocks prices doesn't matter"

Thanks for the answers guys. The problem is dividends tend to be cut when stock prices are going down. That's what I was thinking and told my friend. He said some companies will keep paying the same dividend. That's true. Some companies will. Others will not. 606 companies lowered their dividends i...
by sharukh
Tue Aug 06, 2019 8:39 am
Forum: Personal Consumer Issues
Topic: Extreme Anxiety with Time/Money
Replies: 95
Views: 8971

Re: Extreme Anxiety with Time/Money

I, too, was pretty stressed-out after becoming a home-owner. Then I had 4 kids. Now I don't have time/energy to worry about the house -- I just try to survive each moment and each day. Have some kids - it'll help you stay in the moment :D Actually parenting is so exhausting that I now find home mai...
by sharukh
Thu Aug 01, 2019 8:06 am
Forum: Personal Investments
Topic: Tax-efficient placement of international stock fund
Replies: 8
Views: 683

Re: Tax-efficient placement of international stock fund

What tax reporting complexity are you referring to.

Form 1116 is pretty easy once you do it if all you have is etf of mutual funds
by sharukh
Sat Jul 20, 2019 3:52 pm
Forum: Non-US Investing
Topic: Overseas investor [Hong Kong]
Replies: 15
Views: 1141

Re: Overseas investor [Hong Kong]

Read about US estate tax

I choose vwrd instead of vt
by sharukh
Sat Jun 15, 2019 6:14 pm
Forum: Personal Investments
Topic: Convert my VG mutual funds to ETFs to save basis points?
Replies: 39
Views: 2753

Re: Convert my VG mutual funds to ETFs to save basis points?

I did this. Vanguard screwed up the cost basis. Luckily I had a copy before asking them to convert to prove that they made a mistake. The cost of mistake if not fixed was a lot compared to potential savings. It took me many phone calls and many weeks to get it resolved. It is totally not worth it. T...
by sharukh
Sat Apr 27, 2019 4:55 pm
Forum: Personal Finance (Not Investing)
Topic: What are the cons of always being a one parent working household?
Replies: 134
Views: 9135

Re: What are the cons of always being a one parent working household?

We are on similar boat, but a bit younger.

Biggest con for us was:
Lack of social circle for SAHM. Going to work forces one to meet and interact with other people. My be have team lunches, WhatsApp groups to chat, etc
by sharukh
Tue Apr 02, 2019 7:26 pm
Forum: Personal Finance (Not Investing)
Topic: New Bank: Schwab or Fidelity
Replies: 20
Views: 1984

Re: New Bank: Schwab or Fidelity

They are both excellent choices (I've used both over the years--currently using Fido). The consensus from prior discussions is that Fidelity is preferred if you are looking for an easier way to get ~2% interest on a MMF as opposed to .4% from a checking account. Schwab has better customer service i...
by sharukh
Sun Mar 31, 2019 9:58 am
Forum: Non-US Investing
Topic: Indian withdrawing from Roth IRA- tax
Replies: 22
Views: 3341

Re: Indian withdrawing form Roth IRA- tax

Vanguard withholds at 0% for me on my 401k and IRA, because the US/UK treaty says the same thing here, 0% on pensions. I just spoke to Vanguard, who checked the India-USA tax treaty and confirmed that they won't withhold US Taxes as long as they have a W8-BEN on file (otherwise they will withhold 3...
by sharukh
Mon Mar 25, 2019 6:03 am
Forum: Personal Investments
Topic: Tax on Mega Back door Roth IRA early withdrawals ?
Replies: 6
Views: 562

Re: Tax on Mega Back door Roth IRA early withdrawals ?

Thanks very much. This is very helpful.
by sharukh
Sun Mar 24, 2019 7:24 pm
Forum: Personal Investments
Topic: Tax on Mega Back door Roth IRA early withdrawals ?
Replies: 6
Views: 562

Re: Tax on Mega Back door Roth IRA early withdrawals ?

Thanks very much for quick replies. Is mega back door roth considered conversion?. Not a rollover? The taxable conversion are Very small. Around $500. That is the sum of one day movement of target date fund when the deposits are made to traditional ira or after tax 401k next day it is moved to Roth ...
by sharukh
Sun Mar 24, 2019 6:31 pm
Forum: Personal Investments
Topic: Tax on Mega Back door Roth IRA early withdrawals ?
Replies: 6
Views: 562

Tax on Mega Back door Roth IRA early withdrawals ?

Hi, Please Help me understand early withdrawals of mega Back door Roth IRA Let’s say the deposits are: For 2016: Back door roth : $5000 Mega back door roth : $25000 For 2017: Back door roth : $5000 Mega back door roth : $25000 For 2018: Back door roth : $5000 Mega back door roth : $25000 Total depos...
by sharukh
Sat Mar 23, 2019 4:54 pm
Forum: Non-US Investing
Topic: Alternatives to IB?
Replies: 8
Views: 1644

Re: Alternatives to IB?

Saxo but they charge annual custodial fee.
by sharukh
Fri Mar 22, 2019 8:46 pm
Forum: Non-US Investing
Topic: Investing in Indian Stock Market - Fund selection
Replies: 20
Views: 3157

Re: Investing in Indian Stock Market - Fund selection

Buy niftybees etf.
0.06% expense ratio
by sharukh
Fri Mar 22, 2019 2:59 pm
Forum: Personal Investments
Topic: Vanguard - dissappointed
Replies: 44
Views: 6148

Re: Vanguard - dissappointed

That is not a big issue in my eyes.
Wait for the day when your account or the funds in it go missing. It took more than a month for me to get it resolved. Good luck.
With that said. Vanguard still has the best mutual fund for taxable account
by sharukh
Tue Mar 12, 2019 6:13 am
Forum: Personal Finance (Not Investing)
Topic: Elderly parent on path to run out of money in 6 months
Replies: 35
Views: 9501

Re: Elderly parent on path to run out of money in 6 months

This sounds like me in 10-15 years. Father left quite a bit for my mother, but she has zero concept of budgeting or managing her finances. She's burning like 8-9% per year and doesn't seem to have any idea that the money can run out. She has no idea what she spends monthly, or what her annual recur...
by sharukh
Thu Feb 28, 2019 6:50 am
Forum: Investing - Theory, News & General
Topic: Vanguard Ups the Ante in an ETF Race to Zero - Fees are coming down on seven ETFs
Replies: 97
Views: 9850

Re: Vanguard Ups the Ante in an ETF Race to Zero Fees are coming down on seven ETFs, with combined assets of more t

Can you please share what problems you had with ETF. Thanks. I am not the person the question was targeted to, but I can tell you my reservation about ETF's. It is simple and behavioral. I got into trading stocks in the late 1990s and got burned bad. Simply having to think limit/market order mindse...