Search found 1598 matches

by MotoTrojan
Wed Jun 20, 2018 12:46 am
Forum: Investing - Help with Personal Investments
Topic: Advice on using a wealth manager or financial advisor?
Replies: 40
Views: 3562

Re: Advice on using a wealth manager or financial advisor?

Vanguard PAS. Prevents you from getting locked into tax inefficient high fee junk for the next chapter of this story.
by MotoTrojan
Tue Jun 19, 2018 2:28 pm
Forum: Investing - Help with Personal Investments
Topic: rsu & iso [Restricted Stock Unit & Incentive Stock Option]
Replies: 12
Views: 690

Re: rsu & iso [Restricted Stock Unit & Incentive Stock Option]

I think the ISO debate depends on a lot on the situation. Are you the first employee at a start-up with a 4 figure total strike cost and a 7 figure upside, or are you at a public company... This is especially true if you are able to early-exercise (83b) your ISOs at strike price (no AMT implications...
by MotoTrojan
Tue Jun 19, 2018 1:27 pm
Forum: Investing - Help with Personal Investments
Topic: Asset Allocation for a 26 year old?
Replies: 15
Views: 1223

Re: Asset Allocation for a 26 year old?

Also 26 myself. I'd simplify if it were me but your portfolio overall is just fine, IF you can stick with it (will 5-10 years of awful emerging markets performance make you change?). I'm at 55% Total US, 20% Domestic Small-value (S&P600), 25% International. Easier to manage than 5 funds and similar ...
by MotoTrojan
Mon Jun 18, 2018 6:29 pm
Forum: Investing - Theory, News & General
Topic: Very confused with the current market
Replies: 93
Views: 8041

Re: Very confused with the current market

Interesting thread the OP started 5 years ago... https://www.bogleheads.org/forum/viewtopic.php?f=1&t=115916&p=1687411#p1687411 I have to wonder when the OP was ever certain about the market? Sadly, it is why too many fall into the "average investor" returns that the orange column shows below in th...
by MotoTrojan
Mon Jun 18, 2018 11:35 am
Forum: Investing - Help with Personal Investments
Topic: rsu & iso [Restricted Stock Unit & Incentive Stock Option]
Replies: 12
Views: 690

Re: rsu & iso [Restricted Stock Unit & Incentive Stock Option]

Agree with above warning to be cautious with AMT. With the new tax law there is some breathing room but I generally aim to avoid exercising enough to activate AMT. If you hold them for 2 years after grant and 1 year after exercise then yes you’ll pay LTCG on full amount of gain beyond strike price, ...
by MotoTrojan
Mon Jun 18, 2018 11:30 am
Forum: Investing - Theory, News & General
Topic: Very confused with the current market
Replies: 93
Views: 8041

Re: Very confused with the current market

I'm betting the market will go down and up. http://www.savingadvice.com/forums/picture.php?albumid=188&pictureid=421 I see what you saying. But investing is not gambling. No one can time it 100% of the time. It could loose 20% in one day and rebound 25% the next day. Being through 2000 dot come bus...
by MotoTrojan
Mon Jun 18, 2018 11:29 am
Forum: Investing - Help with Personal Investments
Topic: Having a hard time pulling the trigger...
Replies: 25
Views: 2333

Re: Having a hard time pulling the trigger...

If you have no tIRA assets currently, read up on a back-door Roth.

Got any International exposure?

If you’re concerned, I’d invest it all now and maintain your 70/30 allocation.
by MotoTrojan
Sun Jun 17, 2018 10:27 pm
Forum: Investing - Help with Personal Investments
Topic: Young and rich
Replies: 33
Views: 5076

Re: Young and rich

Momus wrote:
Sun Jun 17, 2018 9:49 pm

$1M at 4% withdrawal rate, guarantee you, 40k/yr income.
Pre-tax.
by MotoTrojan
Sun Jun 17, 2018 9:43 pm
Forum: Investing - Help with Personal Investments
Topic: move out of bonds into money market and online savings
Replies: 19
Views: 2717

Re: move out of bonds into money market and online savings

I pulled out of the vanguard total bond index and now have treasuries and cds,looking back I'm glad I did! I only wish I did it sooner but it was a learning experience,after things settle down in the interest rates I'm moving back in. Good luck! How will you know when things settle down? Right now ...
by MotoTrojan
Sun Jun 17, 2018 9:35 pm
Forum: Investing - Help with Personal Investments
Topic: Young and rich
Replies: 33
Views: 5076

Re: Young and rich

After tax this $1M will likely generate <$30K a year for life safely. You are not yet rich, but you have a great start, especially if your expenses are low and you don’t let this increase them. As others have said there are many factors but somewhere in the 50/50-75/25 stock/bond would be appropriat...
by MotoTrojan
Sun Jun 17, 2018 9:00 pm
Forum: Investing - Help with Personal Investments
Topic: Small Cap Fund.
Replies: 4
Views: 451

Re: Small Cap Fund.

I use the S&P600 Small Value index to hopefully get the small-value premium for 20% of my portfolio (27% of US). I feel that my timeline is long enough to benefit from the added risk, and gain from even a 1% outperformance (resulting in a 0.2% overall annual improvement). Honestly though, it is diff...
by MotoTrojan
Sun Jun 17, 2018 4:28 pm
Forum: Investing - Help with Personal Investments
Topic: Adding U.S. Growth Fund Investor Shares (VWUSX) to portfolio
Replies: 11
Views: 857

Re: Adding U.S. Growth Fund Investor Shares (VWUSX) to portfolio

Historically the value index has outperformed but nobody knows what’s next. I think purchasing a fund because of recent performance is a poor choice but if you are going to go that route I’d make a slightly more drastic tilt via the S&P Tech sector or the NASDAQ, perhaps 10-20% of equity; that is th...
by MotoTrojan
Sun Jun 17, 2018 3:10 pm
Forum: Investing - Theory, News & General
Topic: Approximating total stock market
Replies: 22
Views: 1763

Re: Approximating total stock market

Depends on the index but I’d say in general 80/20 is the right ratio but the 20 should be small, not mid. This is especially true with Vanguard CRSP funds; that “small” is more like 50/50 mid/small compared to the Russell 2000 or S&P600/400. If the goal is to match Vanguard Total Stock Market using...
by MotoTrojan
Sat Jun 16, 2018 8:44 pm
Forum: Investing - Help with Personal Investments
Topic: Using Wellesley Fund as a bond alternative
Replies: 18
Views: 2195

Re: Using Wellesley Fund as a bond alternative

Also keep in mind it’s awfully tax-inefficient. For a riskier EF it isn’t awful but I wouldn’t use it as a major taxable holding.
by MotoTrojan
Sat Jun 16, 2018 8:42 pm
Forum: Investing - Help with Personal Investments
Topic: Lost and confused (bonds in taxable or not?)
Replies: 2
Views: 398

Re: Lost and confused (bonds in taxable or not?)

I won’t comment on the bonds (curious others thoughts) but I believe I’ve read that Total US vs. Total Int is a wash. Yes Int has the foreign tax credit, but it also has a larger dividend yield (currently) which offsets with a slight tax-drag. I avoid this debate by being 100% equity but I’m curious...
by MotoTrojan
Sat Jun 16, 2018 8:39 pm
Forum: Investing - Theory, News & General
Topic: Approximating total stock market
Replies: 22
Views: 1763

Re: Approximating total stock market

You can get a 99.8% match with 80% large/20% mid cap. Theoretically, 80% large/15% mid/5% small would be a slightly closer match. Depends on the index but I’d say in general 80/20 is the right ratio but the 20 should be small, not mid. This is especially true with Vanguard CRSP funds; that “small” ...
by MotoTrojan
Sat Jun 16, 2018 8:17 pm
Forum: Investing - Help with Personal Investments
Topic: Last 10 years Stock market Returns - for benchmarking
Replies: 3
Views: 378

Re: Last 10 years Stock market Returns - for benchmarking

I'm new to investing. When I check any stock/index/ETFs average annual returns charts, I see that past 10 years was really good for stock market after the recession. So technically most of the securities show higher positive (+) returns from the past 10 years. But when we look at the returns rate f...
by MotoTrojan
Sat Jun 16, 2018 6:29 pm
Forum: Investing - Theory, News & General
Topic: Larry Swedroe: Rediscovering The Size Effect
Replies: 36
Views: 3457

Re: Larry Swedroe: Rediscovering The Size Effect

How about a real life example. (you guy's are kind of talking above my head...) I read all of Paul Merrimans articles & agree with his statement that a 1/2% or 1% can change your life. With that in mind I changed my Roth IRA to 100% Vanguard Small Cap Value Fund (VSIAX). My broker account is 100% V...
by MotoTrojan
Sat Jun 16, 2018 5:57 pm
Forum: Investing - Theory, News & General
Topic: Am I "market timing"?
Replies: 37
Views: 1847

Re: Am I "market timing"?

If earnings growth continues will you increase your AA? Forward P/E is quite reasonable on S&P500. No, I will not. Half my net worth right now is in directly owned real estate, and I plan to continue purchasing multiple properties per year for the next several years due to the superior overall retu...
by MotoTrojan
Sat Jun 16, 2018 5:55 pm
Forum: Investing - Help with Personal Investments
Topic: 100% of international developed to small/mid?
Replies: 11
Views: 1036

Re: 100% of international developed to small/mid?

I’ve considered it for my 25% Total International exposure but I think I’ll just add a small tilt someday, like I do with US. As livesoft stated, correlations aren’t the full story; although I’m curious how much of the difference is currency related.
by MotoTrojan
Sat Jun 16, 2018 12:36 pm
Forum: Investing - Theory, News & General
Topic: Am I "market timing"?
Replies: 37
Views: 1847

Re: Am I "market timing"?

You could be wrong? Doesn't sound like you are 100% convinced then. I guess we have different definitions of 100% convinced. :) The problem with market timing - even people who think they are certain about something have a tendency to waiver. ;) LOL, yes indeed! This board wouldn’t exist otherwise,...
by MotoTrojan
Sat Jun 16, 2018 12:33 pm
Forum: Investing - Theory, News & General
Topic: A different theoretical view of SWR
Replies: 63
Views: 3564

Re: A different theoretical view of SWR

To me this works best on shorter time periods as it gets overly conservative for longer durations.

What portfolio makeup would go best with this? TIPs?
by MotoTrojan
Fri Jun 15, 2018 9:35 pm
Forum: Investing - Help with Personal Investments
Topic: VYM ETF Fund VS 3 or 4 fund portfolio.
Replies: 3
Views: 387

Re: VYM ETF Fund VS 3 or 4 fund portfolio.

I discovered VYM today and compared to my managed portfolio at Vanguard, it has performed better. A single fund with impressive results https://www.fool.com/investing/2018/01/09/better-buy-vanguard-high-dividend-yield-etf-vs-spd.aspx This is a domestic equity fund. Did it beat a 100% Total US Marke...
by MotoTrojan
Fri Jun 15, 2018 7:08 pm
Forum: Investing - Theory, News & General
Topic: Am I "market timing"?
Replies: 37
Views: 1847

Re: Am I "market timing"?

mortfree wrote:
Fri Jun 15, 2018 7:06 pm
I buy VTI when it goes below $140.

It is market timing and I like it.
Why?
by MotoTrojan
Fri Jun 15, 2018 7:07 pm
Forum: Investing - Theory, News & General
Topic: Am I "market timing"?
Replies: 37
Views: 1847

Re: Am I "market timing"?

You are market timing because you did not invest the money as soon as you had it available to invest. This. I invest Roth/taxable as soon as I can, and 401k obviously comes as soon as possible as it comes from my paycheck. I will admit though that I’ve dipped into cushion, savings, EF (backed up by...
by MotoTrojan
Fri Jun 15, 2018 7:01 pm
Forum: Personal Consumer Issues
Topic: Private Sale test drive
Replies: 13
Views: 1191

Re: Private Sale test drive

Cash in hand would probably be my conservative filter. If higher end car, maybe a cashiers check we get together at bank.

FWIW Carmax is usually higher than dealers (but lower than private sale). Easy appraisal process with low pressure to follow through.
by MotoTrojan
Fri Jun 15, 2018 10:53 am
Forum: Investing - Help with Personal Investments
Topic: Individual stocks in a traditional IRA
Replies: 5
Views: 361

Re: Individual stocks in a traditional IRA

As long as your overall asset allocation (stock/bond) is met by this target fund and any other assets, that is the smart move.
by MotoTrojan
Fri Jun 15, 2018 8:40 am
Forum: Personal Finance (Not Investing)
Topic: can we afford to spend $20K on travel annually
Replies: 89
Views: 6561

Re: can we afford to spend $20K on travel annually

What is this other savings account getting 4-9%?
by MotoTrojan
Thu Jun 14, 2018 11:08 pm
Forum: Investing - Theory, News & General
Topic: Factor-based strategy is better (winer), OK. then who are the losers?
Replies: 55
Views: 2462

Re: Factor-based strategy is better (winer), OK. then who are the losers?

Lastly, and most importantly, what makes you think people have not? The small and value premiums have fallen. They may not exist anymore. I think investors have figured out this aberration and have now fully exploited it. That is what I am thinking. After more investors find out this, more will loa...
by MotoTrojan
Thu Jun 14, 2018 11:04 pm
Forum: Investing - Help with Personal Investments
Topic: Russell 2000 Opinions
Replies: 8
Views: 641

Re: Russell 2000 Opinions

Do you have a Roth? I’d use VIOV there and skip the 401k. S&P600 has the smaller median cap like the Russell (compared with Vanguards preferred CRSP) but has the S&P’s quality/earnings screen. Return has been far better as a result.
by MotoTrojan
Thu Jun 14, 2018 11:02 pm
Forum: Investing - Help with Personal Investments
Topic: Seeking mid-cap and or small-cap Vanguard Funds
Replies: 7
Views: 591

Re: Seeking mid-cap and or small-cap Vanguard Funds

I'm not sure what you mean. Vanguard is known for index funds, so why not just use them? Mid-cap index. Small-cap index. Extended market index. And don't forget VFSVX / VSS the foreign small-cap index. It seems that all of the aforementioned funds have a five rating suggesting they are very aggress...
by MotoTrojan
Thu Jun 14, 2018 5:33 pm
Forum: Investing - Help with Personal Investments
Topic: Roth Re-characterization an Opportunity to Re-examine American Funds
Replies: 8
Views: 429

Re: Roth Re-characterization an Opportunity to Re-examine American Funds

So I can back door the ROTH contributions that I am recharacterizing to a Traditional back into a ROTH? This seems dumb on the government's part. I guess I will have to pay some taxes on the growth that's occurred this year, correct? So I need to get this recharacterization done ASAP because everyd...
by MotoTrojan
Thu Jun 14, 2018 2:49 pm
Forum: Investing - Theory, News & General
Topic: Factor-based strategy is better (winer), OK. then who are the losers?
Replies: 55
Views: 2462

Re: Factor-based strategy is better (winer), OK. then who are the losers?

People buying growth funds/stocks in the case of value factor. This is a weird question for me. If the guy who invests 100% Netflix is the winner, who is the loser?
by MotoTrojan
Thu Jun 14, 2018 1:55 pm
Forum: Investing - Theory, News & General
Topic: Is the Dow Jones Industrial Average a useful metric?
Replies: 22
Views: 884

Re: Is the Dow Jones Industrial Average a useful metric?

Smorgasbord wrote:
Thu Jun 14, 2018 11:57 am
I would also add that, in my opinion, reporting the SP500 isn't useful at least 95% of the time.
What is?
by MotoTrojan
Thu Jun 14, 2018 1:02 pm
Forum: Personal Consumer Issues
Topic: Non-alcoholic drinks for wedding
Replies: 79
Views: 3536

Re: Non-alcoholic drinks for wedding

Italian soda station with various flavored syrups.
by MotoTrojan
Thu Jun 14, 2018 11:37 am
Forum: Investing - Help with Personal Investments
Topic: calculator to get to desire $$$
Replies: 15
Views: 1052

Re: calculator to get to desire $$$

This is all you need, but over a 6 year span depending on your AA you could be looking at anything from a 50% loss to more than doubling your money.
by MotoTrojan
Thu Jun 14, 2018 11:36 am
Forum: Personal Finance (Not Investing)
Topic: I was rear ended and the other guy wants a payout!
Replies: 106
Views: 8794

Re: I was rear ended and the other guy wants a payout!

Not sure what your deductible is but I would never file for an $800 repair. Even if it is not at fault, I have found it can drive up rates (especially if you switch companies). I had a comprehensive claim for someone that broke into an old convertible. $1000 deductible, $2000 repair. I took the $100...
by MotoTrojan
Thu Jun 14, 2018 9:58 am
Forum: Investing - Help with Personal Investments
Topic: Roth Re-characterization an Opportunity to Re-examine American Funds
Replies: 8
Views: 429

Re: Roth Re-characterization an Opportunity to Re-examine American Funds

We now have to establish and begin contributing to Traditional IRAs. But isn't this like starting over (albiet with a $5K head startup from the 2017 contributions) in terms of the power of compounding? Is there any other option here? Nope you are not thinking about this correctly. $1M in a single a...
by MotoTrojan
Wed Jun 13, 2018 8:26 pm
Forum: Investing - Help with Personal Investments
Topic: What financial vehicle was this??
Replies: 6
Views: 811

Re: What financial vehicle was this??

Sounds like some kind of federal tax-free bonds or bond fund. They are advertising those rates. https://www.edwardjones.com/investments-services/stocks-bonds-mutual-funds/current-rates/index.html Interesting. These must be government bonds then? AA/AAA with these return sizes and a 3-year duration ...
by MotoTrojan
Wed Jun 13, 2018 8:15 pm
Forum: Investing - Theory, News & General
Topic: How and when do you decide to do Tax Loss Harvesting?
Replies: 47
Views: 4730

Re: How and when do you decide to do Tax Loss Harvesting?

Fwiw, I'm a bit of an outlier around here, but I don't TLH short term losses. That's a bit too market timey seeming for me. Tbh, I don't TLH long term losses too often either, because I don't have many. :sharebeer I know this is an older post (but thread was revived) but what is your rationale? A s...
by MotoTrojan
Wed Jun 13, 2018 8:03 pm
Forum: Investing - Help with Personal Investments
Topic: What financial vehicle was this??
Replies: 6
Views: 811

Re: What financial vehicle was this??

A few months back (before I found bogleheads.org), Edward Jones set my mother up with something for $35k that was just sitting in her checking account. It was a 1% load, she has to leave it there for at least 3 years, and when she takes it out there is no tax due on the growth, supposedly 4-5% per ...
by MotoTrojan
Wed Jun 13, 2018 6:22 pm
Forum: Investing - Help with Personal Investments
Topic: help with expense ratio
Replies: 8
Views: 393

Re: help with expense ratio

hello everyone, I have a ROTH-IRA with fidelity-FFFFX-FIDELITY FREEDOM 2040 with expense ratio of 0.75%--over 11k I also have a 403b also with fidelity-FFFGX FID FREEDOM 2045, expense ratio of 0.75%--over 37k Should I switch the boths to index funds and bonds-FSTVX and FSITX with expense 0.035 and ...
by MotoTrojan
Wed Jun 13, 2018 6:20 pm
Forum: Investing - Help with Personal Investments
Topic: How to save $ switching from Ed Jones?
Replies: 14
Views: 741

Re: How to save $ switching from Ed Jones?

All good advice. Do some more research on tax-efficient fund placement (Bogleheads has a good wiki to start) before you start investing in taxable at Vanguard. A Target Fund has bonds which are not very tax-efficient. Looking at your total portfolio as one entity would be smarter, and then allocate ...
by MotoTrojan
Wed Jun 13, 2018 6:10 pm
Forum: Investing - Help with Personal Investments
Topic: Help with 401K vs Taxable
Replies: 23
Views: 1368

Re: Help with 401K vs Taxable

So I am unable to increase my 401K beyond my current 7% contribution as I am classified as a highly compensated employee (including bonus I am above $120K /yr) As I can't do an HSA as I have good health insurance, and I already max out my Roth IRA, I guess the next viable step would be to keep addi...
by MotoTrojan
Wed Jun 13, 2018 6:09 pm
Forum: Investing - Theory, News & General
Topic: 1 Year Rule - Not allowed to execute new investment strategy until 1 year has passed
Replies: 27
Views: 2414

Re: 1 Year Rule - Not allowed to execute new investment strategy until 1 year has passed

Seems too short honestly. Per IPS every 5 years I can name changes. I don’t plan to change much in 3.5 years when that comes up.
by MotoTrojan
Wed Jun 13, 2018 5:25 pm
Forum: Investing - Help with Personal Investments
Topic: Callable bond- maintain or take loss?
Replies: 32
Views: 1687

Re: Callable bond- maintain or take loss?

Nobody else catch that this is 43% of portfolio at 64 years old? Why equity exposure other than REIT? No other assets? Expense estimate in retirement? Ugh. I did miss that unfortunately. And the maturity date being even longer than originally mentioned makes it even worse. :oops: Indeed. OP I think...
by MotoTrojan
Wed Jun 13, 2018 5:24 pm
Forum: Investing - Help with Personal Investments
Topic: Help with 401K vs Taxable
Replies: 23
Views: 1368

Re: Help with 401K vs Taxable

So I am unable to increase my 401K beyond my current 7% contribution as I am classified as a highly compensated employee (including bonus I am above $120K /yr) As I can't do an HSA as I have good health insurance, and I already max out my Roth IRA, I guess the next viable step would be to keep addi...
by MotoTrojan
Wed Jun 13, 2018 4:09 pm
Forum: Investing - Help with Personal Investments
Topic: Callable bond- maintain or take loss?
Replies: 32
Views: 1687

Re: Callable bond- maintain or take loss?

Per link given above for Bogleheads.org site posting suggestions, here's following FYI: Emergency funds: Yes we have 3-6 months. Debt: Yes, we have a home mortgage of $50,000 w/ $700 mth pmt Tax Filing Status: Married Filing Jointly Tax Rate: State of Residence:SC Age:64 Current Asset allocation: B...
by MotoTrojan
Wed Jun 13, 2018 3:08 pm
Forum: Personal Finance (Not Investing)
Topic: Normal equity offer in startup for early employee
Replies: 12
Views: 918

Re: Normal equity offer in startup for early employee

Being an early employee of a startup is a sucker's deal. The most likely chance of an exit is acquisition for a single-digit number of millions after a few years of work. The founders might make a couple mil (FI achieved!!), and the early employees will make on the order of $100k. The early employe...
by MotoTrojan
Wed Jun 13, 2018 2:08 pm
Forum: Investing - Theory, News & General
Topic: Diversified portfolio but still too much Apple, Microsoft, etc.
Replies: 13
Views: 1424

Re: Diversified portfolio but still too much Apple, Microsoft, etc.

Apple having a 50% crash while the rest of the market is swimming along fine would be a pretty unprecedented event and would result in a 1.4% drop. In reality these mega-corps are so highly correlated to the market that holding a couple percent of the biggest doesn't concern me at all. They do make ...