Search found 2263 matches

by MotoTrojan
Wed Oct 17, 2018 7:19 pm
Forum: Investing - Help with Personal Investments
Topic: Investing During Retirement
Replies: 15
Views: 1451

Re: Investing During Retirement

OP, if all you have is a 401k I would use a fund-of-funds such as a Target Retirement or Lifestrategy fund (Lifestrategy gets my vote as the AA doesn't change annually). These will rebalance daily; all you have to do is sell/withdraw when you want cash-money :). What withdrawal rate do you intend to...
by MotoTrojan
Wed Oct 17, 2018 7:17 pm
Forum: Investing - Help with Personal Investments
Topic: Investing During Retirement
Replies: 15
Views: 1451

Re: Investing During Retirement

May I respectfully disagree (gasp!) with many of my fellow Bogleheads on selecting a bond fund or individual bonds at this particular juncture in the economic cycle? Instead of putting a portion (20%, 40%, 60%) of your money in bonds or a bond fund (short term or not), put your risk off money in sh...
by MotoTrojan
Wed Oct 17, 2018 5:58 pm
Forum: Personal Finance (Not Investing)
Topic: Where would you go for financial guidance if you win the Megamillions?
Replies: 56
Views: 2967

Re: Where would you go for financial guidance if you win the Megamillions?

Interesting thoughts on where to keep the ticket in the meantime... reminds me of the bitcoin related stories of people realizing years later than had $10M's (or $100M's) in a hard drive that was now in a landfill :). One story I recall the person offered a reward for access but regulations wouldn't...
by MotoTrojan
Wed Oct 17, 2018 5:22 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 7377
Views: 1548616

Re: U.S. stocks in freefall

Mostly two or three of the same people clicking the refresh icon. :P Just wait until there is an actual freefall 8-) No kidding.... There are 7370 posts in the thread, many sarcastic digs at the "freefall" claim. SO the thread was started on 08/8/2011, when the OP posted about a 500pt drop. AFAIK, ...
by MotoTrojan
Wed Oct 17, 2018 5:21 pm
Forum: Personal Finance (Not Investing)
Topic: Where would you go for financial guidance if you win the Megamillions?
Replies: 56
Views: 2967

Re: Where would you go for financial guidance if you win the Megamillions?

Not sure on the allocation, but I would use a 3-fund portfolio with tax-exempt bonds. I would focus professional assistance on estate/tax-planning. I may allocate some money to angel-investing; for fun, not income. Perhaps $5M if I had a $250M after-tax sum. I'd take care of my parents and do some t...
by MotoTrojan
Wed Oct 17, 2018 2:48 pm
Forum: Investing - Help with Personal Investments
Topic: Thoughts about Vanguard Small Cap Growth ETF?
Replies: 10
Views: 919

Re: Thoughts about Vanguard Small Cap Growth ETF?

The majority of my holdings are currently Vanguard Total Stock index, and I also have a few ther mutual funds including the Small Cap Value Fund. I am looking to potentially add the Small cap Growh Fund and was hoping to hear some opinions on this Fund. My time horizon is over five years and I won’...
by MotoTrojan
Wed Oct 17, 2018 12:53 pm
Forum: Personal Finance (Not Investing)
Topic: Too good to be true; what am I missing?
Replies: 17
Views: 2876

Re: Too good to be true; what am I missing?

I suspect some significant math errors. Unless your mortgage is >4% this is a losing move. Also how do you take out $5K loans annually on a $15K account? There is no logic in paying it back only to take another loan immediately. Yes, crowd sourcing to look for errors in the math :happy The idea is ...
by MotoTrojan
Wed Oct 17, 2018 10:01 am
Forum: Personal Finance (Not Investing)
Topic: Too good to be true; what am I missing?
Replies: 17
Views: 2876

Re: Too good to be true; what am I missing?

I suspect some significant math errors. Unless your mortgage is >4% this is a losing move. Also how do you take out $5K loans annually on a $15K account? There is no logic in paying it back only to take another loan immediately.
by MotoTrojan
Tue Oct 16, 2018 11:33 pm
Forum: Personal Finance (Not Investing)
Topic: Ally Banking 1% extra back up to $1,000 on new money deposited
Replies: 148
Views: 11563

Re: Ally Banking 1% extra back up to $1,000 on new money deposited

No cash around? Also how can one not need to TLH? It helps anyone unless they have a lifetime of losses already. Actually, there are a few situations where TLH can be an unwise move. We happen to be in one of those situations this year. Curious to hear more. Qualified dividends in our taxable accou...
by MotoTrojan
Tue Oct 16, 2018 11:08 pm
Forum: Investing - Theory, News & General
Topic: What was max drop in 2000 and 2008?
Replies: 15
Views: 2715

Re: What was max drop in 2000 and 2008?

3/24/00 to 10/9/02: -49.1% 10/9/07 to 3/9/09: -56.8% (S&P500 from the highest all-time-high before the decline to the lowest low before recovery) Don't forget those dividends :). I'm sorry I didn't follow, can you please explain? Thanks. Total return includes your price appreciation plus dividends,...
by MotoTrojan
Tue Oct 16, 2018 11:05 pm
Forum: Investing - Help with Personal Investments
Topic: 30 y/o Boglehead student, advice for 65 year old Retiring Father
Replies: 30
Views: 2689

Re: 30 y/o Boglehead student, advice for 65 year old Retiring Father

I agree with others: If all invested savings in in an IRA or 401k, a Lifestrategy type fund makes sense. Conservative Growth is the 40/60 I believe and seems appropriate if your parents aren't willing to take on more equity.
by MotoTrojan
Tue Oct 16, 2018 6:58 pm
Forum: Investing - Help with Personal Investments
Topic: tax loss harvest VTIAX to VFWAX?
Replies: 3
Views: 294

Re: tax loss harvest VTIAX to VFWAX?

As to your #2, if that distribution is also a loss, simply sell it along with the rest of yours shares and there is no wash sale, and then more tax savings for you. No need to wait 30 days if you are selling the disallowed shares. Except that the IRA dividends are considered replacement shares by t...
by MotoTrojan
Tue Oct 16, 2018 6:56 pm
Forum: Investing - Theory, News & General
Topic: What was max drop in 2000 and 2008?
Replies: 15
Views: 2715

Re: What was max drop in 2000 and 2008?

Tamales wrote:
Tue Oct 16, 2018 6:39 pm
3/24/00 to 10/9/02: -49.1%
10/9/07 to 3/9/09: -56.8%

(S&P500 from the highest all-time-high before the decline to the lowest low before recovery)
Don't forget those dividends :).
by MotoTrojan
Tue Oct 16, 2018 4:01 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 7377
Views: 1548616

Re: U.S. stocks in freefall

I bought $6K of VTI on leverage yesterday (CC offer). Do I win the unboglehead award?
by MotoTrojan
Tue Oct 16, 2018 3:25 pm
Forum: Investing - Help with Personal Investments
Topic: tax loss harvest VTIAX to VFWAX?
Replies: 3
Views: 294

Re: tax loss harvest VTIAX to VFWAX?

I have not done tax-loss harvesting before but am looking into doing it this year. I thought I'd run my understanding by in case I am missing or have misunderstood something. 1) These funds are similar but not substantially identical since they track different indexes. So I should avoid the wash sa...
by MotoTrojan
Tue Oct 16, 2018 3:22 pm
Forum: Personal Finance (Not Investing)
Topic: Vanguard not allowing reversals of Roth IRA recharacterizations
Replies: 10
Views: 777

Re: Vanguard not allowing reversals of Roth IRA recharacterizations

sawhorse wrote:
Tue Oct 16, 2018 3:20 pm
Anyone else get the email from Vanguard? You can still covert a retirement account, including traditional IRA, into a Roth IRA, but you can no longer reverse it.
This has nothing to do with Vanguard. The new tax-bill has disallowed this transaction and Vanguard is simply letting people know.
by MotoTrojan
Tue Oct 16, 2018 12:27 pm
Forum: Personal Finance (Not Investing)
Topic: Ally Banking 1% extra back up to $1,000 on new money deposited
Replies: 148
Views: 11563

Re: Ally Banking 1% extra back up to $1,000 on new money deposited

mattfr wrote:
Mon Oct 15, 2018 9:45 pm
MotoTrojan wrote:
Mon Oct 15, 2018 9:38 pm
No cash around? Also how can one not need to TLH? It helps anyone unless they have a lifetime of losses already.
Actually there are a few situations where TLH can be an unwise move. We happen to be in one of those situations this year.
Curious to hear more.
by MotoTrojan
Tue Oct 16, 2018 12:26 pm
Forum: Investing - Help with Personal Investments
Topic: UC DCO's too high return? [Univ. of CA Defined Contribution Plan]
Replies: 4
Views: 281

Re: UC DCO's too high return? [Univ. of CA Defined Contribution Plan]

cal149 wrote:
Mon Oct 15, 2018 4:18 pm
Is an 18.1% annual return on the UC DCP not incredibly high, i.e. outside reasonable historical bounds?
Yikes. I've seen some pensions using a 7% real expected return and cringed a bit. This would certainly be bat$#@% crazy.
by MotoTrojan
Mon Oct 15, 2018 9:38 pm
Forum: Personal Finance (Not Investing)
Topic: Ally Banking 1% extra back up to $1,000 on new money deposited
Replies: 148
Views: 11563

Re: Ally Banking 1% extra back up to $1,000 on new money deposited

Decisions, decisions. I am down $2k in my taxable account and don't need to TLH. Sure would be nice to have a guaranteed rise somewhere... But worth selling out from this market if even for a few months? -TheDDC No cash around? Also how can one not need to TLH? It helps anyone unless they have a li...
by MotoTrojan
Mon Oct 15, 2018 7:28 pm
Forum: Investing - Help with Personal Investments
Topic: Maturing out of Target 2015 fund
Replies: 8
Views: 883

Re: Maturing out of Target 2015 fund

I plan to convert some IRA funds to Roth IRA this calendar year. My IRA dollars are held in my Target Retirement 2015 fund but I would like to place them in a new equally conservative bond fund in the transition. How do I choose the "right " fund? Is there an all in one type Vanguard bond fund? No ...
by MotoTrojan
Mon Oct 15, 2018 6:54 pm
Forum: Investing - Help with Personal Investments
Topic: When to TLH?
Replies: 11
Views: 1158

Re: When to TLH?

I just wait until the end of the year and sell anything that is down a significant amount. Generally I will sell around the middle of December and buy it back after 31 days, or so. If the amount of the loss is trivial, I won't bother. You don’t hold similar funds during that month? Interesting appr...
by MotoTrojan
Mon Oct 15, 2018 4:56 pm
Forum: Investing - Help with Personal Investments
Topic: checking/sharing my learning - Basics of investing
Replies: 6
Views: 623

Re: checking/sharing my learning - Basics of investing

It doesn't make sense to maintain your checking account by buying/selling equities. You should buy enough that you don't need to sell when income is low. You shouldn't really sell equities until retirement if that is what the funds are for.
by MotoTrojan
Sun Oct 14, 2018 5:10 pm
Forum: Investing - Theory, News & General
Topic: Value Averaging, IRR Bias/Misconception: Have we been misled?
Replies: 2
Views: 648

Re: Value Averaging, IRR Bias/Misconception: Have we been misled?

Hadn’t heard about this. Enjoyed reading the top level description.

If you’re at $100K and inherit $2M, do you reset your target or sit on 95% cash for years?
by MotoTrojan
Sun Oct 14, 2018 4:58 pm
Forum: Personal Finance (Not Investing)
Topic: I'm an employer looking to get the best 401k deal for my employees!
Replies: 17
Views: 1195

Re: I'm an employer looking to get the best 401k deal for my employees!

beagler1 wrote:
Sun Oct 14, 2018 4:08 pm
Check out guideline.com too.
Agreed. Excellent funds at VG price plus a couple DFA for those that like to tilt more aggressively.
by MotoTrojan
Sun Oct 14, 2018 12:37 pm
Forum: Investing - Help with Personal Investments
Topic: 1% Balance Transfer - Uber Barclays Visa
Replies: 16
Views: 789

Re: 1% Balance Transfer - Uber Barclays Visa

I've done this a lot, notes of caution. If you use the card for balance transfer checks, don't use it for purchases. Your minimum monthly payment will go against the 0% balance but your purchases may still incur interest charges. Make sure to read the terms carefully. I've done balance transfers ba...
by MotoTrojan
Sun Oct 14, 2018 12:36 pm
Forum: Investing - Help with Personal Investments
Topic: new Boglehead, ETF question
Replies: 7
Views: 641

Re: new Boglehead, ETF question

Did you know Value has historically beat Growth? I wouldn’t invest in a growth fund until you understand what that actually means.

Lot of red flags here frankly. Good luck!
by MotoTrojan
Sun Oct 14, 2018 12:33 pm
Forum: Investing - Help with Personal Investments
Topic: New 401k confusion with market
Replies: 19
Views: 1502

Re: New 401k confusion with market

Forget the three fund. I think you should be in a target retirement fund until you learn more. Yes it can lose money. No that shouldn’t change your plan.
by MotoTrojan
Sun Oct 14, 2018 12:30 pm
Forum: Investing - Theory, News & General
Topic: Better to invest in taxable and not deferred?
Replies: 31
Views: 2995

Re: Better to invest in taxable and not deferred?

what is the flaw in this line of thinking. A few, but the main thing this argument misses is the taxes saved now. $10K invested in tax deferred now will be ~$6K-$8K in taxable, depending on your tax rate. Even IF the taxable comes out at a lower rate in the future, it's not going to catch up to all...
by MotoTrojan
Sun Oct 14, 2018 12:29 pm
Forum: Investing - Help with Personal Investments
Topic: 1% Balance Transfer - Uber Barclays Visa
Replies: 16
Views: 789

Re: 1% Balance Transfer - Uber Barclays Visa

I've done this a lot, notes of caution. If you use the card for balance transfer checks, don't use it for purchases. Your minimum monthly payment will go against the 0% balance but your purchases may still incur interest charges. Make sure to read the terms carefully. I've done balance transfers ba...
by MotoTrojan
Sat Oct 13, 2018 4:14 pm
Forum: Investing - Help with Personal Investments
Topic: 1% Balance Transfer - Uber Barclays Visa
Replies: 16
Views: 789

Re: 1% Balance Transfer - Uber Barclays Visa

A balance transfer does not award points. There is an arbitrage opportunity with your offer and I would take it, but it's a razor thin profit you will earn. I frequently take advantage of 0% purchase APR offers that accumulate points and do not involve a fee. These are usually only available for si...
by MotoTrojan
Sat Oct 13, 2018 4:13 pm
Forum: Investing - Help with Personal Investments
Topic: 1% Balance Transfer - Uber Barclays Visa
Replies: 16
Views: 789

Re: 1% Balance Transfer - Uber Barclays Visa

Wait a second. This offer allows me to transfer directly to my bank account at 1% as well. So what is stopping me from doing my normal spending on this Uber card, earning 4% on food and 3% on travel, and then taking that amount in cash at 1% in order to have a year to pay it off? Win-win and even mo...
by MotoTrojan
Sat Oct 13, 2018 4:06 pm
Forum: Investing - Help with Personal Investments
Topic: 1% Balance Transfer - Uber Barclays Visa
Replies: 16
Views: 789

Re: 1% Balance Transfer - Uber Barclays Visa

Thanks for the input. Yes I would be able to pay it off and have then necessary job security to do as such.

Even better idea I am having now is to incur some purchases on my 2% Citi card and then transfer that balance. I have some large expenses coming up for an end of year trip anyways.
by MotoTrojan
Sat Oct 13, 2018 3:56 pm
Forum: Personal Finance (Not Investing)
Topic: ISO taxes and AMT [Incentive Stock Option]
Replies: 19
Views: 1227

Re: ISO taxes and AMT

The market value when you exercised is all that matters for AMT. What was it relative to the $39K? If the grant was 2 years old and held for a year the gains since exercise just see longterm capital gains, no AMT. The grant has a date of 12/1/2017. It is not two years old. I am trying to understand...
by MotoTrojan
Sat Oct 13, 2018 3:54 pm
Forum: Investing - Help with Personal Investments
Topic: 1% Balance Transfer - Uber Barclays Visa
Replies: 16
Views: 789

1% Balance Transfer - Uber Barclays Visa

Just got an offer from Uber Barclays for 1% fee on a balance transfer or cash-advance, with 0% APR until 2020. Considering using this opportunity to front-load some cash into the market. Dividends alone will pay off this fee after-tax. Is this crazy? Also if I do a balance transfer from a card that ...
by MotoTrojan
Sat Oct 13, 2018 3:08 pm
Forum: Personal Finance (Not Investing)
Topic: Neighbor discussing finances with me
Replies: 64
Views: 5885

Re: Neighbor discussing finances with me

So my neighbor is roughly my age and we've become good friends over the years. We were recently talking about the market and he was telling me how he shifted all his investments to a money market (due to the coming crash *sigh*) and his adviser recommended he move instead to a bond fund with zero r...
by MotoTrojan
Fri Oct 12, 2018 9:14 pm
Forum: Investing - Help with Personal Investments
Topic: Opinions on a large Roth conversion if we have a 30-40% correction.
Replies: 22
Views: 2324

Re: Opinions on a large Roth conversion if we have a 30-40% correction.

Option 1: 5 years ago the market was at X and you performed your conversion, which cost you $1000 in taxes. Yay. Option 2: You did not do this because you chose to invest the $1000. The market goes up and then crashes back down to X. You decide to withdraw the taxable assets, which have now grown t...
by MotoTrojan
Fri Oct 12, 2018 6:44 pm
Forum: Investing - Help with Personal Investments
Topic: Opinions on a large Roth conversion if we have a 30-40% correction.
Replies: 22
Views: 2324

Re: Opinions on a large Roth conversion if we have a 30-40% correction.

Suppose you are in essentially the same tax bracket now as you were 5 years ago. What was the Traditional vs Roth decision back then? Suppose the market drops tomorrow to what it was back then. How would tomorrow after the drop be any different than it was 5 years ago? How is an extra 5 years of gr...
by MotoTrojan
Thu Oct 11, 2018 11:20 pm
Forum: Investing - Help with Personal Investments
Topic: [JP Morgan] Target Retirement 2025 - CRAZY ?!?!
Replies: 17
Views: 2237

Re: Morgan Stanley Target Retirement 2025 - CRAZY ?!?!

HEDGEFUNDIE wrote:
Thu Oct 11, 2018 11:12 pm
And yet, it has outperformed Vanguard Target Retirement 2025 since inception?

https://www.portfoliovisualizer.com/fun ... F11%2F2018
How does the AA compare?
by MotoTrojan
Thu Oct 11, 2018 11:13 pm
Forum: Investing - Help with Personal Investments
Topic: New 401k confusion with market
Replies: 19
Views: 1502

Re: New 401k confusion with market

Woah mega red flag. Neither a Roth 401k or IRA can have $28K contributed to in one calendar year. You have some explaining to do.
by MotoTrojan
Thu Oct 11, 2018 11:11 pm
Forum: Investing - Help with Personal Investments
Topic: New 401k confusion with market
Replies: 19
Views: 1502

Re: New 401k confusion with market

I’d simplify to just the bottom 3 funds and hold at an allocation based on your timeline to retirement. Age? Market took a big hit this week but in the long run it’s a blip in the path to happiness. Much bigger losses can and will happen. Don’t change your allocation based on people’s opinions. Also...
by MotoTrojan
Thu Oct 11, 2018 10:15 pm
Forum: Investing - Theory, News & General
Topic: Where is that value premium?
Replies: 57
Views: 4057

Re: Where is that value premium?

Will the 'small' part persist given the massive decline in the number of publicly traded companies, most of them small? As Bogle points out, we used to have the Wilshire 5000 index....no longer. Less than 4,000 publicly traded companies now. Why would less companies decrease the odds of a premium? ...
by MotoTrojan
Thu Oct 11, 2018 10:12 pm
Forum: Investing - Theory, News & General
Topic: Does international really buy you diversification?
Replies: 43
Views: 4422

Re: Does international really buy you diversification?

I see this as a recurring theme over tye past 20years or so - a fall in us stocks leads to a fall in European stocks the next day.if these walk so much hand under hand, are we really getting any diversification by investubg in international stocks? International bonds, on the other hand, might be a...
by MotoTrojan
Thu Oct 11, 2018 10:09 pm
Forum: Investing - Help with Personal Investments
Topic: Tax loss harvest VTSAX -> VLCAX
Replies: 10
Views: 632

Re: Tax loss harvest VTSAX -> VLCAX

Yes, the wash would apply to the shares purchased with the $288 and $155, so the dollar amount will likely be much much smaller than $443. And yes, you would have to make a small change to your tax return as shown elsewhere on the forum. So seems like a no brainer to do it? Feel like I'm missing so...
by MotoTrojan
Thu Oct 11, 2018 9:18 pm
Forum: Investing - Help with Personal Investments
Topic: Tax loss harvest VTSAX -> VLCAX
Replies: 10
Views: 632

Re: Tax loss harvest VTSAX -> VLCAX

Nicely done! As livesoft (the TLH master in my eyes) alluded to, as long as you sell the dividend too, you will not have generated a wash sale. Vanguard may show it as such (I've seen this when selling multiple lots) but the effect will be no wash. You mentioned VTSAX lot is all you have in taxable,...
by MotoTrojan
Thu Oct 11, 2018 9:02 pm
Forum: Personal Finance (Not Investing)
Topic: A strategy to pay off home at retirement?
Replies: 57
Views: 4167

Re: A strategy to pay off home at retirement?

I know logically that would make sense, as I would get a better return than the 3.85 fixed rate paying on mortgage. However, there is a physiological component of not having mortgage, etc. Thanks to all for your input. You might not get a better return. Also keep in mind that the 3.85% is an after-...
by MotoTrojan
Thu Oct 11, 2018 8:58 pm
Forum: Investing - Help with Personal Investments
Topic: Sell it all
Replies: 11
Views: 2726

Re: Sell it all

It makes perfect sense. And be sure to make "exchanges" into the new funds so you remain fully invested. I am sure you won't be guilty, but some people sell the current funds and go to cash. Then ..... well, maybe it takes a very long time for the money to get back into the market. Dale For your ET...
by MotoTrojan
Thu Oct 11, 2018 8:29 pm
Forum: Investing - Help with Personal Investments
Topic: Rate of return in negative
Replies: 16
Views: 1890

Re: Rate of return in negative

Thanks guys. Glad I asked because since yesterday my ROR is at negative -6.25%. I am going to park my money as it and keep contributing every paycheck :) What do you mean by park your money as it? You should keep contributing to your 2050 fund, especially now with US & International stocks and bond...
by MotoTrojan
Thu Oct 11, 2018 8:23 pm
Forum: Investing - Help with Personal Investments
Topic: Time to sell international funds in 401k
Replies: 10
Views: 1470

Re: Time to sell international funds in 401k

One year's returns don't mean much. If your total INTL allocation is under 10%, I wish I was in your situation (I'm still sitting on 22%). You might as well wait and see if it recovers someday and then sell. Selling when you're down is rarely a good idea. I wonder if you could transfer to something...
by MotoTrojan
Thu Oct 11, 2018 8:03 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 7377
Views: 1548616

Re: U.S. stocks in freefall

I looked at my portfolio...over the 2 days I lost a car, WTH!, sheesh! That’s all!!!.. I wanna lose a house :twisted: If I am not mistaken, the Dow first hit 25000 around the beginning of this year. So if you invested your money before 2018, you have not lost anything....you are still ahead. It's l...