Search found 127 matches

by ImmigrantSaver
Thu Nov 16, 2017 5:17 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 4148
Views: 1103223

Re: U.S. stocks in freefall

livesoft wrote:
Thu Nov 16, 2017 3:31 pm
See this thread on RBDs: viewtopic.php?t=194427
Thank you!
by ImmigrantSaver
Thu Nov 16, 2017 3:27 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 4148
Views: 1103223

Re: U.S. stocks in freefall

livesoft wrote:
Thu Nov 16, 2017 3:22 pm
ImmigrantSaver wrote:
Thu Nov 16, 2017 3:16 pm
What's the threshold for a RBD? I always thought it was 1%
It depends on a number of things, but any drop of less than 2.5% is not a RBD, but even a drop of 3.5% might not be an RBD.
2.5 vs 3.5. Does that depend on the asset class and it's historical volatility? What are other factors? TIA.
by ImmigrantSaver
Thu Nov 16, 2017 3:16 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 4148
Views: 1103223

Re: U.S. stocks in freefall

The biggest question that I have is "Will this week end up in red i.e. close less than last Friday?" and if that is the case, how far would we have to go in the past to find similar "freefall"? FWIW, Vanguard Total Stock Market Index fund fell about 1.5% on both August 10, 2017 and August 17, 2017....
by ImmigrantSaver
Thu Nov 09, 2017 2:59 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 4148
Views: 1103223

Re: U.S. stocks in freefall

Toons wrote:
Thu Nov 09, 2017 2:12 pm
ImmigrantSaver wrote:
Thu Nov 09, 2017 1:38 pm
I am contemplating buying my scheduled for tomorrow allocation today. Cause clearly tomorrow it'll be back up :oops:
Time,
Not Timing :happy
Well I do get an extra day in the market :)
by ImmigrantSaver
Thu Nov 09, 2017 1:38 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 4148
Views: 1103223

Re: U.S. stocks in freefall

I am contemplating buying my scheduled for tomorrow allocation today. Cause clearly tomorrow it'll be back up :oops:
by ImmigrantSaver
Thu Nov 09, 2017 10:47 am
Forum: Personal Finance (Not Investing)
Topic: Mastercard debit card with no foreign fees?
Replies: 7
Views: 400

Re: Mastercard debit card with no foreign fees?

Schwab high yield checking. Careful though- it does hard credit pull Edit: sorry. I missed the end of your post. I would recommend Capital one 360 as well too. I have both. Also I think HSBC has 2.50 flat foreign fee if you are premier customer (100k combined balance) but I can't remember if that's ...
by ImmigrantSaver
Fri Oct 13, 2017 11:17 am
Forum: Investing - Help with Personal Investments
Topic: What to do with fairly large amount of money in "maybe" house fund?
Replies: 5
Views: 886

Re: What to do with fairly large amount of money in "maybe" house fund?

I had the similar situation that I asked about in this thread. https://www.bogleheads.org/forum/viewtopic.php?f=1&t=228482&p=3548664#p3548664 My "housing fund" included not only downpayment but also the fairly high (NYC real estate) amount of the postclosing liquidity requirements. So for now I deci...
by ImmigrantSaver
Tue Sep 26, 2017 2:14 pm
Forum: Investing - Help with Personal Investments
Topic: Down payment allocation advice - flexible timeline.
Replies: 7
Views: 638

Re: Down payment allocation advice - flexible timeline.

Thank you everyone for your input. Points taken. I just need to determine my own comfort level as I admit I mentally anchored somewhat to that 300 figure and need to work throught that. I think it would be more beneficial to consider my overall portfolio as one unit rather than downpayment/retiremen...
by ImmigrantSaver
Tue Sep 26, 2017 11:17 am
Forum: Investing - Help with Personal Investments
Topic: Down payment allocation advice - flexible timeline.
Replies: 7
Views: 638

Re: Down payment allocation advice - flexible timeline.

My marginal tax rate is 33%. I should able to add 80-90k net per year from bonus.

I haven't really considered NY tax exempt because it's not diversified. But maybe I should look into it?
by ImmigrantSaver
Tue Sep 26, 2017 10:46 am
Forum: Investing - Help with Personal Investments
Topic: Down payment allocation advice - flexible timeline.
Replies: 7
Views: 638

Down payment allocation advice - flexible timeline.

Hi everyone! I have 300k in the savings account earmarked for down payment and emergency fund (250/50 split) Last year I have been seriously considering to purchase a studio coop in Manhattan. Unfortunately (or fortunately) all my offers have been outbid and I decided to take a summer off to sit bac...
by ImmigrantSaver
Thu Sep 07, 2017 2:36 pm
Forum: Investing - Help with Personal Investments
Topic: Couple in early 30s, any changes?
Replies: 28
Views: 3945

Re: Couple in early 30s, any changes?

investing1012 wrote:
Thu Sep 07, 2017 11:34 am
BW1985 wrote:
Thu Sep 07, 2017 9:02 am
I didn't know MD's can make 500K a couple years out of residency. Wowzers :shock:
You have to go into the right field. My first offer out of residency was 550K.
Some specialized surgery? Just curious..
by ImmigrantSaver
Mon Aug 28, 2017 10:37 pm
Forum: Investing - Theory, News & General
Topic: Demographic Headwinds for Stocks and Bonds?
Replies: 47
Views: 5321

Re: Demographic Headwinds for Stocks and Bonds?

itstoomuch wrote:
Mon Aug 28, 2017 4:04 pm
I like this thread.
BTW we have an unmarried son 32. Any one with daughters?
:annoyed :oops: 8-)
A daughter here :wink: (34)
by ImmigrantSaver
Mon Aug 14, 2017 5:39 pm
Forum: Investing - Help with Personal Investments
Topic: Quick question about replicating Total Stock Market and International allocation/location
Replies: 4
Views: 262

Re: Quick question about replicating Total Stock Market and International allocation/location

I am a bit confused about the allocation between those three funds to approximate the Total Market. According to wiki, if use all vanguard funds, the split is 81/4/15 between S&P500/Mid/Small, but for all Fidelity Funds the split is 81/10/9. Since I have to mix and match, would it be safe to stick ...
by ImmigrantSaver
Mon Aug 14, 2017 5:36 pm
Forum: Investing - Help with Personal Investments
Topic: Quick question about replicating Total Stock Market and International allocation/location
Replies: 4
Views: 262

Re: Quick question about replicating Total Stock Market and International allocation/location

A couple percent off is no big deal. In fact, a mid cap tilt may be advantageous. Search for Mel's unloved midcap. Regarding intl,Either way is fine as the amount of money in the tax credit will most likely be fairly small. Of course achieving your desired aa asap is usually best. How long would it...
by ImmigrantSaver
Mon Aug 14, 2017 4:45 pm
Forum: Investing - Help with Personal Investments
Topic: Quick question about replicating Total Stock Market and International allocation/location
Replies: 4
Views: 262

Quick question about replicating Total Stock Market and International allocation/location

For the longest time my 401k plan had only had Vanguard 500 (VIIIX) option, but it’s finally adding Fidelity Midcap (FSTPX) and Fidelity Smallcap (FSSVX) options to it. Yey! I am a bit confused about the allocation between those three funds to approximate the Total Market. According to wiki, if use ...
by ImmigrantSaver
Thu Aug 10, 2017 2:23 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 4148
Views: 1103223

Re: U.S. stocks in freefall

Selling company stock soon. Perfect chance to spend some excess cash on VTI/VXUS! I am so tempted to buy my next month scheduled purchase of it today! That's the only index I've been buying this year (still not on target for international) so it would be just a prepurchase so to speak but not sure ...
by ImmigrantSaver
Tue Jun 27, 2017 3:40 pm
Forum: Personal Finance (Not Investing)
Topic: Where to find a financially like-minded significant other?
Replies: 140
Views: 9878

Re: Where to find a financially like-minded significant other?

If the English ancestry group does not have the highest concentration of millionaire households, then which group does? The Russian ancestry group ranks first ... KlangFool Russian billionaires are oligarchs with short life expectancy. Victoria VictoriaF, The link referred to American millionaires ...
by ImmigrantSaver
Tue Jun 27, 2017 3:10 pm
Forum: Personal Finance (Not Investing)
Topic: Where to find a financially like-minded significant other?
Replies: 140
Views: 9878

Re: Where to find a financially like-minded significant other?

Honestly, some women just need to be shown that instead of buying the $500 Manolo Blahnik shoes, buy the $150 Via Spiga shoes on sale at Nordstrom Rack, which are basically just as good, and put the other $350 in a Roth IRA. Haha me and you could be friends ;) I am at loss why so many women are obc...
by ImmigrantSaver
Tue Jun 27, 2017 2:41 pm
Forum: Personal Finance (Not Investing)
Topic: Where to find a financially like-minded significant other?
Replies: 140
Views: 9878

Re: Where to find a financially like-minded significant other?

Honestly, some women just need to be shown that instead of buying the $500 Manolo Blahnik shoes, buy the $150 Via Spiga shoes on sale at Nordstrom Rack, which are basically just as good, and put the other $350 in a Roth IRA. Haha me and you could be friends ;) I am at loss why so many women are obc...
by ImmigrantSaver
Tue Jun 27, 2017 1:23 pm
Forum: Personal Finance (Not Investing)
Topic: Where to find a financially like-minded significant other?
Replies: 140
Views: 9878

Re: Where to find a financially like-minded significant other?

Honestly, some women just need to be shown that instead of buying the $500 Manolo Blahnik shoes, buy the $150 Via Spiga shoes on sale at Nordstrom Rack, which are basically just as good, and put the other $350 in a Roth IRA. Haha me and you could be friends ;) I am at loss why so many women are obc...
by ImmigrantSaver
Mon Jun 26, 2017 6:55 pm
Forum: Personal Finance (Not Investing)
Topic: Where to find a financially like-minded significant other?
Replies: 140
Views: 9878

Re: Where to find a financially like-minded significant other?

If the English ancestry group does not have the highest concentration of millionaire households, then which group does? The Russian ancestry group ranks first ... KlangFool Russian billionaires are oligarchs with short life expectancy. Victoria VictoriaF, The link referred to American millionaires ...
by ImmigrantSaver
Mon Jun 26, 2017 11:08 am
Forum: Personal Finance (Not Investing)
Topic: Where to find a financially like-minded significant other?
Replies: 140
Views: 9878

Re: Where to find a financially like-minded significant other?

I am a single female boglehead (34 yo) dating in NYC and I can relate to your concerns. But I think, provided that the other person is not a complete financial wreck, it's more important to focus on compatibility, common interests and similar life goals. It's hard to find someone with identical fin...
by ImmigrantSaver
Mon Jun 26, 2017 8:39 am
Forum: Personal Finance (Not Investing)
Topic: Where to find a financially like-minded significant other?
Replies: 140
Views: 9878

Re: Where to find a financially like-minded significant other?

I am a single female boglehead (34 yo) dating in NYC and I can relate to your concerns. But I think, provided that the other person is not a complete financial wreck, it's more important to focus on compatibility, common interests and similar life goals. It's hard to find someone with identical fina...
by ImmigrantSaver
Tue Jun 06, 2017 7:50 pm
Forum: Personal Finance (Not Investing)
Topic: Best credit card for cash back
Replies: 104
Views: 20461

Re: Best credit card for cash back

Citibank Double Cash MasterCard: 2% cashback on everything anytime. No annual fee, no special requirements, but has foreign fees. Well, there's one minor special requirement: if you redeem the cash back as a statement credit, you end up getting "only" 1.99% cash back. This is because of the silly w...
by ImmigrantSaver
Mon May 22, 2017 3:53 pm
Forum: Investing - Theory, News & General
Topic: This is how many fund managers actually beat index funds
Replies: 9
Views: 3436

Re: This is how many fund managers actually beat index funds

What a fascinating example of ambiguous English. (I'm not being snarky, I don't think whoever wrote the headline was trying to spin anything). "This is how many fund managers actually beat index funds" can, and in this case does, mean the same thing as "This is how few fund managers actually beat i...
by ImmigrantSaver
Sun May 07, 2017 2:55 pm
Forum: Personal Finance (Not Investing)
Topic: Most Common Financial Mistakes
Replies: 108
Views: 15491

Re: Most Common Financial Mistakes

The following (in no particular order) are mistakes to avoid: Shopping at highbrow stores like Ethan Allen, Whole Foods, etc. Daycares Private schools College funds Purchasing nonfunctional fad vehicles such as Tesla Swimming pools International travel International travel? :shock: Why? Can't repli...
by ImmigrantSaver
Sun May 07, 2017 12:34 pm
Forum: Personal Finance (Not Investing)
Topic: Most Common Financial Mistakes
Replies: 108
Views: 15491

Re: Most Common Financial Mistakes

I don't know which is the most common, but I've observed the following: - Buying the lowest priced house in the nicest neighborhood that you can afford. After all, when their prices go up, yours goes up with it! Very good ones! But I am slightly surprised by the last one. Typically I hear to do exa...
by ImmigrantSaver
Sun May 07, 2017 10:33 am
Forum: Personal Finance (Not Investing)
Topic: Most Common Financial Mistakes
Replies: 108
Views: 15491

Re: Most Common Financial Mistakes

I don't know which is the most common, but I've observed the following: - Buying the lowest priced house in the nicest neighborhood that you can afford. After all, when their prices go up, yours goes up with it! Very good ones! But I am slightly surprised by the last one. Typically I hear to do exa...
by ImmigrantSaver
Sat May 06, 2017 1:23 pm
Forum: Personal Finance (Not Investing)
Topic: Most Common Financial Mistakes
Replies: 108
Views: 15491

Re: Most Common Financial Mistakes

I don't know which is the most common, but I've observed the following: - Misunderstanding the term "having a high savings rate" to mean clipping coupons. - Misunderstanding the term "Living within your means" to mean paying your credit card on time and never being late on bills or payments. - Gett...
by ImmigrantSaver
Thu Apr 27, 2017 2:40 pm
Forum: Investing - Help with Personal Investments
Topic: ETF verses Mutual Funds.
Replies: 37
Views: 2364

Re: ETF verses Mutual Funds.

Unless one has a compelling well-articulated reason to choose ETFs, they are better off with equivalent mutual funds. OK, I can buy ETFs at 1% to 2% cheaper intraday than I am able to buy mutual funds at the close. I can sell ETFs at 1% to 2% higher intraday than I am able to sell mutual funds at t...
by ImmigrantSaver
Wed Apr 19, 2017 1:38 pm
Forum: Investing - Theory, News & General
Topic: Is it necessary to diversify across Factors?
Replies: 123
Views: 8234

Re: Is it necessary to diversify across Factors?

Hmm. I am very new at this so maybe someone more knowledgeable can chime in as well. But I found VSS to be more expensive (even with FTC) overall than VBR to keep in taxable, but you might find different results for your tax bracket! No, you are right--I was misusing the spreadsheet. Looks like I s...
by ImmigrantSaver
Wed Apr 19, 2017 1:26 pm
Forum: Investing - Theory, News & General
Topic: Is it necessary to diversify across Factors?
Replies: 123
Views: 8234

Re: Is it necessary to diversify across Factors?

PS: Your international in taxable might be just fine depending on your tax bracket. I used that tax efficiency spreadsheet that is floating around here to make my decision. Cool, I didn't know about that! If I used it correctly just now, EFV and VWO are fine, and VSS was basically a wash with VBR, ...
by ImmigrantSaver
Wed Apr 19, 2017 11:56 am
Forum: Investing - Theory, News & General
Topic: Is it necessary to diversify across Factors?
Replies: 123
Views: 8234

Re: Is it necessary to diversify across Factors?

Thank you! This is very helpful. I am already planning to put my next year Roth contribution into VSS, but that is mostly as an add-on to a VFWAX (from TLH) position. Most of my International in taxable is in VTIAX, as I think the EFV/VSS combo in taxable wouldn't be as tax-efficient and my Roth is...
by ImmigrantSaver
Wed Apr 19, 2017 11:00 am
Forum: Investing - Theory, News & General
Topic: Is it necessary to diversify across Factors?
Replies: 123
Views: 8234

Re: Is it necessary to diversify across Factors?

For those of you doing factor based investing but don't have the access to DFA or AQR funds, which funds/ETFs do you use instead? TIA So I do have access to DFA funds in one of our 401K accounts, but that one 401K isn't large enough to do all the factor investing I would like to do. Anyway, I am co...
by ImmigrantSaver
Wed Apr 19, 2017 10:36 am
Forum: Investing - Theory, News & General
Topic: Is it necessary to diversify across Factors?
Replies: 123
Views: 8234

Re: Is it necessary to diversify across Factors?

For those of you doing factor based investing but don't have the access to DFA or AQR funds, which funds/ETFs do you use instead? TIA For me: iShares Vanguard Schwab Add Powershares (PRF and PDN) and Pimco's RAE Fundamental funds (Ameritrade has 0 minimum for institutional shares and you can set up...
by ImmigrantSaver
Wed Apr 19, 2017 10:34 am
Forum: Investing - Theory, News & General
Topic: Is it necessary to diversify across Factors?
Replies: 123
Views: 8234

Re: Is it necessary to diversify across Factors?

Which is just about everyone . Interesting statistic. Here you go... The median number of years that wage and salary workers had been with their current employer was 4.2 years in January 2016, down from 4.6 years in January 2014, the U.S. Bureau of Labor Statistics reported today. https://www.bls.g...
by ImmigrantSaver
Tue Apr 18, 2017 5:31 pm
Forum: Investing - Theory, News & General
Topic: Is it necessary to diversify across Factors?
Replies: 123
Views: 8234

Re: Is it necessary to diversify across Factors?

For those of you doing factor based investing but don't have the access to DFA or AQR funds, which funds/ETFs do you use instead? TIA
by ImmigrantSaver
Tue Apr 18, 2017 1:28 pm
Forum: Investing - Theory, News & General
Topic: Stable value funds as interest rates rise
Replies: 43
Views: 3511

Re: Stable value funds as interest rates rise

I am surprisingly much more at ease with the fluctuating equity than with the black box of SVF. I am wary of any guarantees in the investment world :) I think you have a lot of company, at least around here. In the real world, I think they are not all that popular just because the rates are current...
by ImmigrantSaver
Tue Apr 18, 2017 11:08 am
Forum: Investing - Theory, News & General
Topic: Stable value funds as interest rates rise
Replies: 43
Views: 3511

Re: Stable value funds as interest rates rise

By the way, I missed your earlier post--to get answers about whether your employer is also the issuer of the contractual value guarantee, I would try calling your HR. I believe legally this information should be available to you. NiceUnparticularMan is spot on. It is a Department of Labor regulatio...
by ImmigrantSaver
Tue Apr 18, 2017 11:07 am
Forum: Investing - Theory, News & General
Topic: Stable value funds as interest rates rise
Replies: 43
Views: 3511

Re: Stable value funds as interest rates rise

It is very frustrating! But the only other FI option is Blackrock High Yield fund (BRHYX) at ER=0.54. My equity options are abysmal too. The only Inex fund available is S&P500. (I am a perfect candidate for this recent "factor investing" thread where somebody was arguing that an average investor do...
by ImmigrantSaver
Tue Apr 18, 2017 9:09 am
Forum: Investing - Theory, News & General
Topic: Stable value funds as interest rates rise
Replies: 43
Views: 3511

Re: Stable value funds as interest rates rise

The above discussion relates to one theoretical concern about SV funds, namely that the fund may be and often is a set of contracts specific to that fund only and hence to the employees of that company only. In this case there seems to be even an additional step of inbreeding. Anyway the theoretica...
by ImmigrantSaver
Tue Apr 18, 2017 8:48 am
Forum: Investing - Theory, News & General
Topic: Stable value funds as interest rates rise
Replies: 43
Views: 3511

Re: Stable value funds as interest rates rise

The above discussion relates to one theoretical concern about SV funds, namely that the fund may be and often is a set of contracts specific to that fund only and hence to the employees of that company only. In this case there seems to be even an additional step of inbreeding. Anyway the theoretica...
by ImmigrantSaver
Tue Apr 18, 2017 8:19 am
Forum: Investing - Theory, News & General
Topic: Stable value funds as interest rates rise
Replies: 43
Views: 3511

Re: Stable value funds as interest rates rise

Just as an additional piece of info: my employer is that same insurance company that created the SVF I am using. Not sure if it changes anything. I'm not sure either! I know the contracts have to be directly between the fund and the issuer of the guarantee. I would think it would be a bad idea for ...
by ImmigrantSaver
Mon Apr 17, 2017 10:59 pm
Forum: Investing - Theory, News & General
Topic: Stable value funds as interest rates rise
Replies: 43
Views: 3511

Re: Stable value funds as interest rates rise

My 20% FI allocation is to reduce the portfolio volatility and to use for rebalancing purposes. I don't have a strong view about LT bonds outperforming stocks in the long run. So far I would say you don't need to look outside your SV fund. But . . . My concern with SVF is that I am taking a credit ...
by ImmigrantSaver
Mon Apr 17, 2017 7:28 pm
Forum: Investing - Theory, News & General
Topic: Stable value funds as interest rates rise
Replies: 43
Views: 3511

Re: Stable value funds as interest rates rise

But should I then diversify my FI allocation with tax-exempt munis in taxable? Well, why do you have a fixed income allocation in the first place? For many common purposes, a decent SV fund may be all you need. This is basically the same view as those who think you can have your fixed all in CD lad...
by ImmigrantSaver
Mon Apr 17, 2017 4:07 pm
Forum: Investing - Theory, News & General
Topic: Stable value funds as interest rates rise
Replies: 43
Views: 3511

Re: Stable value funds as interest rates rise

My 401K only offers SVF and no other bond fund options (besides an active HY fund). I suppose that's how they control for outflows risk. It's a good rate, I can't complain. But should I then diversify my FI allocation with tax-exempt munis in taxable?
by ImmigrantSaver
Mon Apr 17, 2017 2:14 pm
Forum: Investing - Help with Personal Investments
Topic: Savings Account: Experience with Discover, AmEx, Barclays, Synchrony?
Replies: 21
Views: 1742

Re: Savings Account: Experience with Discover, AmEx, Barclays, Synchrony?

Using both Barclays and Amex. Both are fine. I like Barclays interface more. I would consider GS as well.
by ImmigrantSaver
Fri Mar 31, 2017 9:42 pm
Forum: Investing - Theory, News & General
Topic: Is Vanguard Portfolio tool accurate?
Replies: 16
Views: 1759

Re: Is Vanguard Portfolio tool accurate?

livesoft wrote:Neither is accurate for everything.

See this discussion: viewtopic.php?t=150267


Going through this thread now - I should have started with that! Very helpful. Thanks!
by ImmigrantSaver
Fri Mar 31, 2017 9:11 pm
Forum: Investing - Theory, News & General
Topic: Is Vanguard Portfolio tool accurate?
Replies: 16
Views: 1759

Re: Is Vanguard Portfolio tool accurate?

Thank you everyone for your responses. I did do the portfolio overview thread when I started posting on this forum. https://www.bogleheads.org/forum/viewtopic.php?f=1&t=203827&p=3124685#p3124685 A little bit changed since then. I got rid of Reits and High Yield. Increased International to al...
by ImmigrantSaver
Fri Mar 31, 2017 2:25 pm
Forum: Investing - Theory, News & General
Topic: Is Vanguard Portfolio tool accurate?
Replies: 16
Views: 1759

Re: Is Vanguard Portfolio tool accurate?

SpringMan wrote:One should also consider that Vanguard and Morningstar have different definitions of small, mid, and large caps.


I didn't know that :oops:

So what is everyone using? Is there a concensus on the best portfolio tool?