Search found 3806 matches

by MotoTrojan
Wed Apr 24, 2019 3:29 pm
Forum: Personal Investments
Topic: Taking loss vs TLH - Total International
Replies: 15
Views: 247

Re: Taking loss vs TLH - Total International

Never did a TLH before so not sure what the tax implications are when you sell at a loss vs TLH. No difference. 1. No tax implications in tax-deferred or Roth accounts. 2. Same tax implications in a taxable account. Ok, its in taxable account,I'll just sell and use it to buy US stock and bonds.Tire...
by MotoTrojan
Wed Apr 24, 2019 3:25 pm
Forum: Personal Consumer Issues
Topic: fun car advice
Replies: 125
Views: 7933

Re: fun car advice

A bit presumptuous? My daily driver is an Audi s4. I think it costs about the same as an M2. My S4 is slightly tuned and has experienced many track days in it. But, what I am looking for is a fun toy that is something very different. If I am going to buy another toy, I want to do it in the most bog...
by MotoTrojan
Wed Apr 24, 2019 3:20 pm
Forum: Personal Investments
Topic: Taking loss vs TLH - Total International
Replies: 15
Views: 247

Re: Taking loss vs TLH - Total International

Never did a TLH before so not sure what the tax implications are when you sell at a loss vs TLH. No difference. 1. No tax implications in tax-deferred or Roth accounts. 2. Same tax implications in a taxable account. Ok, its in taxable account,I'll just sell and use it to buy US stock and bonds.Tire...
by MotoTrojan
Wed Apr 24, 2019 2:56 pm
Forum: Personal Investments
Topic: Russell 1000 Growth as Core holding?
Replies: 5
Views: 232

Re: Russell 1000 Growth as Core holding?

Thanks oldcomputerguy. Are there any other thoughts to using the Russell 1000 Growth index as a core holding? This is not a 3-fund style US equity holding. We are 10 years into a bull that’s driven heavily by tech, hence large growth has outperformed. Value could be next. In the long run value actu...
by MotoTrojan
Wed Apr 24, 2019 2:48 pm
Forum: Personal Investments
Topic: Treasury funds in an HSA in California
Replies: 6
Views: 192

Re: Treasury funds in an HSA in California

Neither since I just purchase Treasury bills at auction and set them to auto-roll. All dividends are 100% tax-free for a CA HSA. In my case, I have a auto-rolling ladder of 6 month bills and a recently purchased TIPS bill. https://www.fidelity.com/fixed-income-bonds/fixed-income-tools-services/auto...
by MotoTrojan
Wed Apr 24, 2019 2:40 pm
Forum: Personal Investments
Topic: Taking loss vs TLH - Total International
Replies: 15
Views: 247

Re: Taking loss vs TLH - Total International

While I understand the reason for having international exposure in the portfolio, I've pretty much decided to not invest more in international and only invest in US stocks and bonds. For the existing international funds what should I do? Take the loss or TLH? I have stopped buying and auto investin...
by MotoTrojan
Wed Apr 24, 2019 2:34 pm
Forum: Personal Finance (Not Investing)
Topic: Spread Sheets
Replies: 9
Views: 936

Re: Spread Sheets

Mine simply shows me my value and AA and aids rebalancing. I do have XIRR calculations on a speciality side portfolio so I can compare its performance to its benchmark, but I don’t track the majority of my contributions.
by MotoTrojan
Wed Apr 24, 2019 2:29 pm
Forum: Investing - Theory, News & General
Topic: Dividends v Buybacks, Boeing
Replies: 5
Views: 383

Re: Dividends v Buybacks, Boeing

They are not going to be strangled by anything. They are a duopoly, and a prince of crony capitalism. No worries with this stock. Yeah, long term this will be just a blip on the radar. It is interesting how buybacks are more tax efficient, but get slashed first in almost all cases. Companies know t...
by MotoTrojan
Wed Apr 24, 2019 2:04 pm
Forum: Personal Investments
Topic: Which tax lots to sell?
Replies: 7
Views: 558

Re: Which tax lots to sell?

I’d sell the least gain. Allows you to leave more invested for the same after-tax withdrawal; that growth should make up for any higher tax rates.
by MotoTrojan
Wed Apr 24, 2019 1:57 pm
Forum: Personal Investments
Topic: Dump international?
Replies: 85
Views: 2749

Re: Dump international?

onourway wrote:
Wed Apr 24, 2019 10:23 am
The point of diversifying investments has never been to maximize returns.
+1

Monster Energy DESTROYED Total US, and even obliterated Netflix, Amazon, Apple, etc this century. Doesn’t make that a prudent decision.
by MotoTrojan
Wed Apr 24, 2019 1:49 pm
Forum: Investing - Theory, News & General
Topic: New Wealthfront Cash account 2.24% w/ FDIC up to 1mm. Anything similar?
Replies: 21
Views: 1882

Re: New Wealthfront Cash account 2.24% w/ FDIC up to 1mm. Anything similar?

Treasuries are equally safe to FDIC insurance. Given this, you have lots of options: Just buy t-bills (commission free at Vanguard/Fidelity) Vanguard Treasury Money Market (VUSXX) Fidelity Treasury Only Money Market Fund (FDLXX) (2.02 / 7-day yield) iShares US Treasury Bond (GOVT) (2.50 /30-day yie...
by MotoTrojan
Wed Apr 24, 2019 8:47 am
Forum: Investing - Theory, News & General
Topic: Dividends v Buybacks, Boeing
Replies: 5
Views: 383

Re: Dividends v Buybacks, Boeing

I have a bunch of money invested in BA. But I disagree. It's possible for a company to be strangled by the need to pay out a dividend for supposed stability for investors. The company messed up huge and is trying to show people everything is fine. Because of the irrationality of dividends, they nee...
by MotoTrojan
Tue Apr 23, 2019 2:32 pm
Forum: Personal Investments
Topic: One time deposit to HSA
Replies: 13
Views: 958

Re: One time deposit to HSA

So if I'm looking at that worksheet correctly, it's basically prorated per month you are eligible? So if July 1 is the start date for a new job (and thus new health plan), then that's six months of an HSA. Totaling $3500 in contributions for 2019 for a family HSA? Yes. However, there is the last-mo...
by MotoTrojan
Tue Apr 23, 2019 2:30 pm
Forum: Personal Finance (Not Investing)
Topic: What, if anything, do I owe this guy?
Replies: 74
Views: 6062

Re: What, if anything, do I owe this guy?

Me, I have zero knowledge about this "guy", but I certainly could simply send an email stating that I was not interested in employing him for investment services. I'm not going to join the flaming torch and pitchfork brigade, others will/have. Disagreeing without being disagreeable is an admirable ...
by MotoTrojan
Tue Apr 23, 2019 11:51 am
Forum: Investing - Theory, News & General
Topic: Most Insightful Charts
Replies: 30
Views: 2325

Re: Most Insightful Charts

http://observationsandnotes.blogspot.co ... ollar.html

Value of a dollar both in logarithmic and absolute scale over the last 100 years has always been powerful for me.
by MotoTrojan
Tue Apr 23, 2019 10:59 am
Forum: Personal Consumer Issues
Topic: Would you ever buy a car from a wholesaler?? BMW Z3
Replies: 8
Views: 569

Re: Would you ever buy a car from a wholesaler?? BMW Z3

Z3's have a known subframe cracking problem which is most prominent on the higher power variants. Essentially they designed it for a small engine and increased power progressively, all the way to a sporty M Roadster with an E36 M3 powertrain (had one, great car but I had such expensive repair), whil...
by MotoTrojan
Tue Apr 23, 2019 9:53 am
Forum: Personal Investments
Topic: One time deposit to HSA
Replies: 13
Views: 958

Re: One time deposit to HSA

So if I'm looking at that worksheet correctly, it's basically prorated per month you are eligible? So if July 1 is the start date for a new job (and thus new health plan), then that's six months of an HSA. Totaling $3500 in contributions for 2019 for a family HSA? Yes. However, there is the last-mo...
by MotoTrojan
Mon Apr 22, 2019 12:01 pm
Forum: Personal Investments
Topic: Getting through a 2008-like crash during retirement
Replies: 38
Views: 3736

Re: Getting through a 2008-like crash during retirement

Does your 4% equity withdrawal include the dividends from those equity funds? If not it won’t reliably last you 30 years, not to mention the bond discrepancy. I have been reading that dividend funds such as VHDYX aren't really better for retirement income than S&P 500 index funds such as VFIAX. Whe...
by MotoTrojan
Mon Apr 22, 2019 11:31 am
Forum: Investing - Theory, News & General
Topic: Best Taxable Bond Funds IRA
Replies: 8
Views: 509

Re: Best Taxable Bond Funds IRA

Taxable or IRA?!
by MotoTrojan
Mon Apr 22, 2019 11:14 am
Forum: Personal Investments
Topic: Getting through a 2008-like crash during retirement
Replies: 38
Views: 3736

Re: Getting through a 2008-like crash during retirement

Does your 4% equity withdrawal include the dividends from those equity funds? If not it won’t reliably last you 30 years, not to mention the bond discrepancy.
by MotoTrojan
Sun Apr 21, 2019 7:17 pm
Forum: Personal Investments
Topic: Need to sleep at night...Must rebalance!
Replies: 23
Views: 3354

Re: Need to sleep at night...Must rebalance!

With almost $2M in a money market you aren’t taking that much risk but I’d say some simplification is in order. That low ER fidelity bond fund looks to be a fine choice. I’d hold low risk income there in the 401K and/or IRA and use taxable for Total US and Total International. Research tax-loss harv...
by MotoTrojan
Sun Apr 21, 2019 7:13 pm
Forum: Personal Investments
Topic: Absolute Beginner Question
Replies: 11
Views: 1162

Re: Absolute Beginner Question

Been suggested already, but I think The Bogleheads Guide to Investing is a great place to start. This. I bet a book in this style that specifically focusses on taking an existing high cost portfolio and efficiently transitioning to a 3-fund portfolio would be wildly successful. Until then, this for...
by MotoTrojan
Sun Apr 21, 2019 7:00 pm
Forum: Investing - Theory, News & General
Topic: Re-Examining an assumption: 45% bonds in retirement?
Replies: 66
Views: 5845

Re: Re-Examining an assumption: 45% bonds in retirement?

Comparing real (after inflation) bond yields may show you a smaller overall difference from the past. The rates of the 1970-1980’s weren’t as big of wealth generators as a simple compound return calculation may suggest.
by MotoTrojan
Sun Apr 21, 2019 6:57 pm
Forum: Personal Investments
Topic: Highest priced ETFs
Replies: 22
Views: 968

Re: Highest priced ETFs

Could you do a lump transfer from another brokerage?
by MotoTrojan
Sun Apr 21, 2019 6:54 pm
Forum: Investing - Theory, News & General
Topic: M1 Finance
Replies: 42
Views: 3150

Re: M1 Finance

Agree with sentiments about their support. Partial and ultimately full Roth transfer was seamless. Given Roth this was just an annoyance but I was surprised to see my overall gain/loss reset after the second transfer: I track my own XIRR and overall gain/loss so it was fine but I’m surprised they co...
by MotoTrojan
Sat Apr 20, 2019 2:12 pm
Forum: Investing - Theory, News & General
Topic: Efficient Markets Indeed
Replies: 48
Views: 3683

Re: Efficient Markets Indeed

https://www. Don't remember this kind of IPO hysteria since the dot com bubble. Lyft went down 30%. A lot if IPOs have been doing poorly. I would guess these numbers are on low volume representing a few people capitalizing on the ignorance of a slightly greater few. The actual Zoom IPO did a lot be...
by MotoTrojan
Fri Apr 19, 2019 6:41 pm
Forum: Personal Finance (Not Investing)
Topic: Taking more than required RMD tax free?
Replies: 13
Views: 1793

Re: Taking more than required RMD tax free?

Agree that a Roth conversion is a better path. Tax-free capital growth and no tax-drag on dividends.
by MotoTrojan
Fri Apr 19, 2019 1:48 pm
Forum: Personal Investments
Topic: Investing in someones YouTube channel?
Replies: 17
Views: 812

Re: Investing in someones YouTube channel?

1,000+ views an hour after posting doesn't seem like a sensation I would be screaming to put $5K into. Seems minor-league.
by MotoTrojan
Thu Apr 18, 2019 3:40 pm
Forum: Investing - Theory, News & General
Topic: M1 Finance
Replies: 42
Views: 3150

Re: M1 Finance

Myself, wife and young adult kids have all moved our Roth IRAs to M1. We really like the simplicity of the platform. Following the Paul Merriman best-in-class ultimate buy and hold strategy. 10 funds at 10% each, easy to follow and rebalance when necessary. Do you hold this same AA in other account...
by MotoTrojan
Wed Apr 17, 2019 9:20 pm
Forum: Personal Finance (Not Investing)
Topic: Not Maxing 401K OK?
Replies: 53
Views: 5253

Re: Not Maxing 401K OK?

So I see lots of folks on here maxing 401K’s. Question is: For us mortals with lower income, is it ok to not max? Deets below... I’m 40, wife 36. I gross $50K, she grosses $76K. I save 18% pre tax VTSAX, Roth maxed out (2018 was my first Roth sadly, wife too) we invest in mostly VTI in Roth’s. She ...
by MotoTrojan
Wed Apr 17, 2019 10:41 am
Forum: Personal Investments
Topic: Valuing Individual Stock in Portfolio
Replies: 11
Views: 733

Re: Valuing Individual Stock in Portfolio

I’d sell today.

Definitely agree with not rebalancing via taxable sales. Either use contributions or tax-advantaged.

I never considered my private company stock in AA but to be far I had no bonds. Sold last year.
by MotoTrojan
Wed Apr 17, 2019 10:38 am
Forum: Personal Investments
Topic: Why buy a CD with a brokerage firm?
Replies: 17
Views: 1186

Re: Why buy a CD with a brokerage firm?

Fidelity let’s you build automated CD ladders which is pretty sweet. I’m using autorolled t-bills for my EF currently.
by MotoTrojan
Tue Apr 16, 2019 12:31 pm
Forum: Personal Investments
Topic: How did it come to this? [Help with investments]
Replies: 24
Views: 1819

Re: How did it come to this?

Paying someone 2% is criminal. 1% is devastating to your retirement spending. Don’t do that. We can help!
by MotoTrojan
Tue Apr 16, 2019 10:51 am
Forum: Personal Consumer Issues
Topic: After financial independence, do you play credit card bonus games?
Replies: 97
Views: 6425

Re: After financial independence, do you play credit card bonus games?

Not retired but I went on a CC and bank bonus bender late last year and cleared $4300 after tax. I enjoy managing things but am now making an effort to streamline my finances and taper things down to 1 account a quarter or less.

Doctor of Credit was my bible.
by MotoTrojan
Tue Apr 16, 2019 10:47 am
Forum: Personal Investments
Topic: How often do you check up on your investments?
Replies: 35
Views: 2113

Re: How often do you check up on your investments?

I check my portfolio via Google Sheets almost daily but likely log into my actual accounts twice a month, after my 401K contribution hits.
by MotoTrojan
Mon Apr 15, 2019 9:40 pm
Forum: Personal Investments
Topic: buying treasuries and cd's at Fidelity
Replies: 10
Views: 2733

Re: buying treasuries and cd's at Fidelity

stlutz wrote:
Thu May 10, 2018 8:16 pm
Straight Treasury bonds are commission free. Zeros and agency bonds are not.

Most agency bonds are callable, which is the primary reason for the higher yields--you may not get that yield for very long until the bond gets called.
Zero treasury bills? I thought these were commission free too.
by MotoTrojan
Mon Apr 15, 2019 11:57 am
Forum: Investing - Theory, News & General
Topic: Best Fidelity Money Market Account to Hold Cash?
Replies: 40
Views: 10245

Re: Best Fidelity Money Market Account to Hold Cash?

Sweet. Just bought 4 3-month bills with autoroll to see how it works. Blown away that I’d have to call to cancel the autoroll but going to try selling before maturity to see if that works. I also wish there was a single button to cancel auto-roll but you do have several options. You can chat online...
by MotoTrojan
Mon Apr 15, 2019 11:25 am
Forum: Investing - Theory, News & General
Topic: Best Fidelity Money Market Account to Hold Cash?
Replies: 40
Views: 10245

Re: Best Fidelity Money Market Account to Hold Cash?

What's the purpose of the $30K? That is, how liquid do you need to keep it? You can effectively make your own money market fund using a Treasury Ladder and get much higher yield. For example, a 3 month T-bill has a yield of 2.36% and its state tax free. Thus your tax-equivalent yield is 2.55%. You ...
by MotoTrojan
Mon Apr 15, 2019 11:23 am
Forum: Investing - Theory, News & General
Topic: Home equity as % of AA
Replies: 41
Views: 2884

Re: Home equity as % of AA

Hello all, I'm curious to know if anyone considers the equity in your home as part of your overall asset allocation for investments. When I do my investing/rebalancing I only consider my stock/bond allocation, typically never giving much thought to home equity. However, I've thought about this when...
by MotoTrojan
Mon Apr 15, 2019 1:17 am
Forum: Investing - Theory, News & General
Topic: Home equity as % of AA
Replies: 41
Views: 2884

Re: Home equity as % of AA

Hello all, I'm curious to know if anyone considers the equity in your home as part of your overall asset allocation for investments. When I do my investing/rebalancing I only consider my stock/bond allocation, typically never giving much thought to home equity. However, I've thought about this when...
by MotoTrojan
Sun Apr 14, 2019 11:36 pm
Forum: Personal Finance (Not Investing)
Topic: Incentive Stock Options, NSOS, and AMT
Replies: 16
Views: 2100

Re: Incentive Stock Options, NSOS, and AMT

One thing to note, especially if you were able to exercise before a year after the grant, you must hold the stock for 2 years from the date of the grant and one year from the date of exercise in order to get LTCG; if you were able to exercise at 6 months and sold 13 months after exercise (possibly ...
by MotoTrojan
Sun Apr 14, 2019 10:29 pm
Forum: Investing - Theory, News & General
Topic: HEDGEFUNDIE's excellent adventure [risk parity strategy using 3x leveraged ETFs]
Replies: 1611
Views: 100416

Re: HEDGEFUNDIE's excellent adventure [risk parity strategy using 3x leveraged ETFs]

I am new to this forum and unfamiliar with community philosophy but have been an investor for 20+ years including stocks/real estate local and global/options trading etc. As someone always looking to dig into new class of assets or strategies to balance risk vs rewards, I got hooked to this thread’...
by MotoTrojan
Sun Apr 14, 2019 10:28 pm
Forum: Personal Finance (Not Investing)
Topic: Incentive Stock Options, NSOS, and AMT
Replies: 16
Views: 2100

Re: Incentive Stock Options, NSOS, and AMT

One thing to note, especially if you were able to exercise before a year after the grant, you must hold the stock for 2 years from the date of the grant and one year from the date of exercise in order to get LTCG; if you were able to exercise at 6 months and sold 13 months after exercise (possibly ...
by MotoTrojan
Sun Apr 14, 2019 6:48 pm
Forum: Personal Investments
Topic: How much to contribute in Employee Stock Purchase Plan?
Replies: 6
Views: 640

Re: How much to contribute in Employee Stock Purchase Plan?

6% match in company stock is the default? Ew. Can you sell that sameday?
by MotoTrojan
Sun Apr 14, 2019 4:35 pm
Forum: Investing - Theory, News & General
Topic: Holding LT Treasury bonds in high equity portfolio with flat yield curve
Replies: 36
Views: 2675

Re: Holding LT Treasury bonds in high equity portfolio with flat yield curve

Hedgefundie I follow your other thread. I know what you mean about yield. But if interest rates rise, the LT treasuries would drop. If the value is less, does that lessen the advantage of correlation? I know that’s a bunch of “If’s”, also you are very knowledgeable in its and I’m speaking in basic ...
by MotoTrojan
Sun Apr 14, 2019 4:31 pm
Forum: Investing - Theory, News & General
Topic: HEDGEFUNDIE's excellent adventure [risk parity strategy using 3x leveraged ETFs]
Replies: 1611
Views: 100416

Re: HEDGEFUNDIE's excellent adventure [risk parity strategy using 3x leveraged ETFs]

yeah. I would HOPE that my house would provide some sort of diversification benefit in an inflationary environment but ultimately what is important is that I am able to keep positive cashflow and not have to liquidate during troubled times. Being 100% unleveraged equities is not much safer, IMO, th...
by MotoTrojan
Sun Apr 14, 2019 2:03 pm
Forum: Investing - Theory, News & General
Topic: That's enough for me in 2019
Replies: 750
Views: 65952

Re: That's enough for me in 2019

60/40 beat both 100% stock and 100% bond. Stay the course? So does 20/80. https://www.portfoliovisualizer.com/backtest-portfolio?s=y&timePeriod=4&startYear=1996&firstMonth=1&endYear=2009&lastMonth=12&calendarAligned=true&endDate=04%2F08%2F2019&initialAmount=10000&annualOperation=0&annualAdjustment=...
by MotoTrojan
Sat Apr 13, 2019 10:43 pm
Forum: Investing - Theory, News & General
Topic: Holding LT Treasury bonds in high equity portfolio with flat yield curve
Replies: 36
Views: 2675

Re: Holding LT Treasury bonds in high equity portfolio with flat yield curve

I don’t hold LTT for the yield. I hold them for the uncorrelation with stocks: https://www.bogleheads.org/forum/viewtopic.php?f=10&t=276568&p=4452080&hilit=Box#p4452080 So no change for me. Hedgefundie I follow your other thread. I know what you mean about yield. But if interest rates rise, the LT ...
by MotoTrojan
Sat Apr 13, 2019 10:42 pm
Forum: Personal Investments
Topic: "Never time the market" vs. lump sum investment
Replies: 148
Views: 15146

Re: "Never time the market" vs. lump sum investment

Gosh, many here are so dogmatic with various topics here. International investing being another. Market-timing proponents always get the hackneyed "if you can time the market, then did you buy in Dec 2018?" asked to them, moreso as a rhetorical point than a genuine query. When OP actually comes bac...
by MotoTrojan
Sat Apr 13, 2019 10:41 pm
Forum: Personal Investments
Topic: "Never time the market" vs. lump sum investment
Replies: 148
Views: 15146

Re: "Never time the market" vs. lump sum investment

If it were a good idea to wait for a market crash before investing, then it would be a good idea to sell CURRENT investments and wait for a market crash before re-investing. We 'buy' our portfolios every day by keeping them invested. If the market drops 20%, you lose 20%. It doesn't matter whether ...