Search found 1889 matches

by MotoTrojan
Fri Aug 17, 2018 6:39 pm
Forum: Investing - Help with Personal Investments
Topic: Automatic Investment in a Taxable Account
Replies: 4
Views: 289

Re: Automatic Investment in a Taxable Account

Vanguard mutual funds are as tax-efficient as their ETFs. They patented that.

Total US and/or Total International would be best. You’ll pay tax on the dividend yield which is mostly qualified.

I’m not aware of any accumulating (no dividend) investment methods in the US.
by MotoTrojan
Fri Aug 17, 2018 6:06 pm
Forum: Investing - Theory, News & General
Topic: Massive small cap tilt with low equity AA - anybody do this?
Replies: 13
Views: 1140

Re: Massive small cap tilt with low equity AA - anybody do this?

Thanks so much for everybody's insight on this. I've had much reading to do over the past week, and I'm getting more comfortable with the idea of doing 50% VT, 25% VBR, and 25% VSS in my equity slice. The Larry Portfolio is certainly compelling. I am making an assumption here, but if your real esta...
by MotoTrojan
Fri Aug 17, 2018 5:38 pm
Forum: Investing - Help with Personal Investments
Topic: Ran out of space in Roth. Where should I put Small Cap Value fund now?
Replies: 6
Views: 488

Re: Ran out of space in Roth. Where should I put Small Cap Value fund now?

VIOV is still more tax-efficient and I agree with above that I prefer its deeper exposure to small-cap. Nothing wrong with your choose though, just know it’s more-so a small/mid value tilt.
by MotoTrojan
Fri Aug 17, 2018 4:10 pm
Forum: Personal Consumer Issues
Topic: Reckless driving ticket in VA-Help!
Replies: 16
Views: 976

Re: Reckless driving ticket in VA-Help!

Record clean otherwise? I’d probably go and politely request eligibility for taking a drivers ed course to eliminate a point on your record.

I did once use a lawyer in NV. $250 fee turned it into a $100 non-moving violation. I had some other record dings so I was concerned with insurance hit.
by MotoTrojan
Fri Aug 17, 2018 3:45 pm
Forum: Investing - Help with Personal Investments
Topic: Replacing S&P 500 and Small/Mid Cap Fund with Total Stock Market
Replies: 7
Views: 561

Re: Replacing S&P 500 and Small/Mid Cap Fund with Total Stock Market

I would not sell a taxable gain to make this swap. What is current allocation? The gains are not taxable. Current Allocation (according to Quicken, which occasionally mis-assigns) is around Large Cap 39% Small Cap 24% International 25% Bonds 10% I do think I'm overinvested in Interational, and unde...
by MotoTrojan
Fri Aug 17, 2018 2:27 pm
Forum: Investing - Help with Personal Investments
Topic: Replacing S&P 500 and Small/Mid Cap Fund with Total Stock Market
Replies: 7
Views: 561

Re: Replacing S&P 500 and Small/Mid Cap Fund with Total Stock Market

I would not sell a taxable gain to make this swap. What is current allocation?
by MotoTrojan
Fri Aug 17, 2018 1:44 pm
Forum: Investing - Help with Personal Investments
Topic: Small cap tilt - value vs. growth
Replies: 18
Views: 982

Re: Small cap tilt - value vs. growth

Thanks! You guys have successfully reconfirmed my inclination to avoid tilting towards small cap, small cap growth, or small cap value. I’ll stick to the Total Stock Market Index Fund. Sound choice. If one does tilt I suggest using an S&P600 based fund like VIOV/IJS. Vanguards offering is more of a...
by MotoTrojan
Thu Aug 16, 2018 4:15 pm
Forum: Investing - Help with Personal Investments
Topic: Who uses the 3 fund portfolio ?
Replies: 112
Views: 16243

Re: Who uses the 3 fund portfolio ?

I don't have a 401(k). In my taxable account I have the below four ETFs: VTI(Total Stock Market); VXUS(Total International Stock); VB(Small cap); VSS(All world Ex-US small cap) I am some who understood the discipline of regular investing or even investing very late in my life. Courtesy Bogleheads, ...
by MotoTrojan
Thu Aug 16, 2018 3:36 pm
Forum: Investing - Theory, News & General
Topic: How to Underperform the Market
Replies: 31
Views: 2655

Re: How to Underperform the Market

I too have been confused at statements about the average investor missing out on the market average. Seems counter intuitive. Maybe the IRS is the winner if taxes are part of it :).
by MotoTrojan
Thu Aug 16, 2018 1:57 pm
Forum: Investing - Help with Personal Investments
Topic: DCA investing or going into debt ?
Replies: 6
Views: 556

Re: DCA investing or going into debt ?

Hello, I got my first full-time job last week and will start working by the beginning of September. Net income will be around 3000 EUR (based in Europe). I want to save & invest 25% of the income. I have two solutions: -I invest each month 750 in the stock market -I can go easily into debt @0.90%/y...
by MotoTrojan
Thu Aug 16, 2018 1:55 pm
Forum: Investing - Theory, News & General
Topic: Since you would want to eventually reinvest dividends/distros anyways, why wouldn't you make them automatic for TLH?
Replies: 13
Views: 870

Re: Since you would want to eventually reinvest dividends/distros anyways, why wouldn't you make them automatic for TLH?

This is mainly to avoid a dividend purchase occurring after you've harvested. One happening 31 days before the harvest will likely be at a loss as well and part of the sale.
by MotoTrojan
Thu Aug 16, 2018 1:53 pm
Forum: Investing - Theory, News & General
Topic: US small cap ETF: MSCI US small, S&P600 or Russell 2000? (UK based investor)
Replies: 10
Views: 611

Re: US small cap ETF: MSCI US small, S&P600 or Russell 2000? (UK based investor)

Specific ETF matters too. You also could consider using a small-value form like many do. VIOV and IJS are the small-value S&P600 ETFs I am familiar with that are very tax-efficient. SLYV is another which is not very tax-efficient, but would do fine in a tax-advantaged account. Not familiar with the ...
by MotoTrojan
Wed Aug 15, 2018 7:16 pm
Forum: Investing - Theory, News & General
Topic: Is short-term dollar-cost averaging (e.g. across 1 week) beneficial?
Replies: 21
Views: 1108

Re: Is short-term dollar-cost averaging (e.g. across 1 week) beneficial?

If you are investing for the long term, any potential improvement in 5-day "stability" is worth nothing. Lump sum as soon as I can person here. Mathematically that should always win. Smoothing 5 day fluctuations seems really silly. Again, this is not about stability across a five day period. It's a...
by MotoTrojan
Wed Aug 15, 2018 7:11 pm
Forum: Investing - Help with Personal Investments
Topic: DCA-ing into HSA: VIGIX (Vanguard Large Growth) or SWPPX (S&P 500)?
Replies: 1
Views: 172

Re: DCA-ing into HSA: VIGIX (Vanguard Large Growth) or SWPPX (S&P 500)?

You lost me at obviously being overvalued. The market disagrees. What does the rest of your portfolio look like? It should be looked at as one entity. I’d do S&P500 and likely less of a tilt to the extended market unless I needed it to balance total portfolio. Also are you aware Large Value has beat...
by MotoTrojan
Wed Aug 15, 2018 3:20 pm
Forum: Investing - Theory, News & General
Topic: Is short-term dollar-cost averaging (e.g. across 1 week) beneficial?
Replies: 21
Views: 1108

Re: Is short-term dollar-cost averaging (e.g. across 1 week) beneficial?

Lump sum as soon as I can person here. Mathematically that should always win. Smoothing 5 day fluctuations seems really silly.
by MotoTrojan
Wed Aug 15, 2018 10:54 am
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 6752
Views: 1468027

Re: U.S. stocks in freefall

Harvested back to my preferred international holding on Monday. Oh well.
by MotoTrojan
Tue Aug 14, 2018 8:42 pm
Forum: Investing - Help with Personal Investments
Topic: VISA stock
Replies: 7
Views: 722

Re: VISA stock

Welcome to the forum! I bought visa stock a long time before I discovered Vangugard/bogleheads. Needless to say, they're performed nicely. I hold them in a Vanguard Roth IRA. Now that I have more or less adopted the boglehead philosophy, what is the recommended action? Sell and buy a Vanguard fund?...
by MotoTrojan
Tue Aug 14, 2018 8:40 pm
Forum: Personal Finance (Not Investing)
Topic: Civil service: Long Shot Interview.. Would you go?
Replies: 31
Views: 2839

Re: Civil service: Long Shot Interview.. Would you go?

Sounds like a lot more to gain than to lose. I'd go learn more.
by MotoTrojan
Tue Aug 14, 2018 5:09 pm
Forum: Investing - Help with Personal Investments
Topic: 401K vs PCRA - expense and return question
Replies: 2
Views: 130

Re: 401K vs PCRA - expense and return question

What index do they follow? Doesn’t seem to be under performing to me. Don’t forget to account for dividends in ETFs.

ERs are low for many 401ks.
by MotoTrojan
Tue Aug 14, 2018 3:05 pm
Forum: Investing - Theory, News & General
Topic: What is Vanguard mutual fund trade execution time?
Replies: 18
Views: 14236

Re: What is Vanguard mutual fund trade execution time?

So one more question (probably stupid), if NAV is calculated after the Market is closed, how does Vanguard buy the fund for me because the market is closed now(Now I am sure its stupid Q) Furthermore many funds will hold some cash and offset that (to eliminate the drag) with derivatives to maintain...
by MotoTrojan
Tue Aug 14, 2018 12:56 pm
Forum: Investing - Help with Personal Investments
Topic: I would like to add a SCV tilt in International. What's the best ETF with low E.R.?
Replies: 10
Views: 800

Re: I would like to add a SCV tilt in International. What's the best ETF with low E.R.?

I agree this is way too complicated. Is this a taxable account? SLYV has the lowest ER of the bunch, but throws off a lot of capital-gains distributions compared to VIOV (20bp) and IJS (25bp) which also follow the same index and are very tax-efficient. If in an IRA, SLYV is a great choice for S&P600...
by MotoTrojan
Tue Aug 14, 2018 11:52 am
Forum: Investing - Help with Personal Investments
Topic: VTSAX vs 3-fund portfolio
Replies: 12
Views: 1367

Re: VTSAX vs 3-fund portfolio

Define "superior" in non-subjective terms, so that we are all talking about the same thing. As was mentioned in another recent thread: can you show me good evidence that VTSAX is superior to investing every penny in Apple? Let's say that superior means very similar risks, but better returns. It app...
by MotoTrojan
Tue Aug 14, 2018 9:10 am
Forum: Investing - Theory, News & General
Topic: It's not enough to mumble "Stay the Course"... INT'L Investing has been a disaster!
Replies: 481
Views: 26464

Re: It's not enough to mumble "Stay the Course"... INT'L Investing has been a disaster!

I’m still just blown away that nobody else liked Dominos pizza like I did in the last decade and went 100%. I turned my $20M into a couple billion bucks and we are arguing about $700K?!? That’s less than I spend on thin crust per year now.
by MotoTrojan
Mon Aug 13, 2018 8:01 pm
Forum: Investing - Help with Personal Investments
Topic: Another Roth vs Traditional Debate
Replies: 21
Views: 1735

Re: Another Roth vs Traditional Debate

You seem confused. If you use a Roth you are locking in having to pay your high state income tax now and get no benefit when/if you move somewhere without it. With the pre-tax you are putting all of your earnings into the 401k without the state tax, and then can withdraw it (and growth) in the futur...
by MotoTrojan
Mon Aug 13, 2018 6:00 pm
Forum: Investing - Help with Personal Investments
Topic: VTI vs VTSMX
Replies: 10
Views: 789

Re: VTI vs VTSMX

I understand that VTI is an ETF and VTSMX is a index fund and their performance is identical. My question is then, why would you not choose VTI with the lower fees? Some people do not like ETF's and prefer mutual funds. There are pros and cons to holding ETF's vs mutual funds. Here is the wiki on t...
by MotoTrojan
Sun Aug 12, 2018 1:46 pm
Forum: Investing - Help with Personal Investments
Topic: 20 year old beginning Boglehead in need of advice
Replies: 7
Views: 764

Re: 20 year old beginning Boglehead in need of advice

Lots of good info above. Your portfolio is similar to mine minus the casino. I prefer VIOV for small value as it follows the S&P600 index which is much smaller than Vanguards fund, which is more like 50/50 mid/small. Don’t get any more complicated than what you proposed. No need. Tax-advantaged shou...
by MotoTrojan
Sun Aug 12, 2018 1:37 pm
Forum: Investing - Help with Personal Investments
Topic: RSUs with long term potential
Replies: 9
Views: 807

Re: RSUs with long term potential

Also if you go with #3 don’t get attached to the date of vest when you sell 33% a year later. If the stocks gained you’d be better holding those and selling new incoming shares which won’t have any capital gains. If a lot has a loss and your plan still calls out to sell some, always sell the biggest...
by MotoTrojan
Sun Aug 12, 2018 1:35 pm
Forum: Investing - Help with Personal Investments
Topic: RSUs with long term potential
Replies: 9
Views: 807

Re: RSUs with long term potential

There are lots of companies in the area with crazy growth. Why aren’t you buying those? What makes this company special? Maybe sell the majority and put it into a tech sector fund. You’ll reduce risk some while still riding the wave. Make sure you understand the tax implications. There is no advanta...
by MotoTrojan
Sun Aug 12, 2018 10:22 am
Forum: Investing - Help with Personal Investments
Topic: 3 funds now, or start off with 2?
Replies: 17
Views: 1100

Re: 3 funds now, or start off with 2?

I’d use a target retirement or similar account that meets your AA until you start building taxable assets.
by MotoTrojan
Sun Aug 12, 2018 10:19 am
Forum: Investing - Help with Personal Investments
Topic: REIT placement... Why not a Roth? Why tax-deferred?
Replies: 25
Views: 1551

Re: REIT placement... Why not a Roth? Why tax-deferred?

If the income used to fund the Roth is taxed at the same rate as the 403 withdrawal, it is a wash.
by MotoTrojan
Sun Aug 12, 2018 9:49 am
Forum: Investing - Help with Personal Investments
Topic: Have to move some $$ into taxable
Replies: 3
Views: 408

Re: Have to move some $$ into taxable

Research total return investing. If you want lower risk munis aren’t a terrible idea, but be sure to see what the difference in tax-adjusted yield is with taxable bonds. If you want a stock fund (dividend appreciation is a 100% equity fund) I think you’d be better off using Total US Market and withd...
by MotoTrojan
Sat Aug 11, 2018 5:31 pm
Forum: Investing - Help with Personal Investments
Topic: Sell and use proceeds to buy another ETF in Vanguard?
Replies: 7
Views: 434

Re: Sell and use proceeds to buy another ETF in Vanguard?

You didn’t ask but just want to ensure you understand an exchange of mutual funds is a convenience but is no different really than a separate sell/buy. My main reason to bring this up is to ensure you know it’s still a potentially taxable event. Actually it is different. If you sold then bought a m...
by MotoTrojan
Sat Aug 11, 2018 12:32 pm
Forum: Investing - Help with Personal Investments
Topic: Voo inferior to Vti?
Replies: 5
Views: 740

Re: Voo inferior to Vti?

5bp is nothing. Let it ride and tax-loss harvest into VTI if at a loss. If both are a loss harvest them into VV :).
by MotoTrojan
Sat Aug 11, 2018 12:29 pm
Forum: Investing - Help with Personal Investments
Topic: Sell and use proceeds to buy another ETF in Vanguard?
Replies: 7
Views: 434

Re: Sell and use proceeds to buy another ETF in Vanguard?

You didn’t ask but just want to ensure you understand an exchange of mutual funds is a convenience but is no different really than a separate sell/buy. My main reason to bring this up is to ensure you know it’s still a potentially taxable event.
by MotoTrojan
Sat Aug 11, 2018 12:24 pm
Forum: Investing - Help with Personal Investments
Topic: Backdoor Roth or Taxable Accounts
Replies: 24
Views: 1461

Re: Backdoor Roth or Taxable Accounts

Thanks all for your responses. Both me and my spouse created tIRAs to convert them to Roth later. You convert the contribution not the account. I have a tIRA with $0 in it every December, along with my Roth which has both regular contributions and converted (back door) ones. Don’t wait more than a ...
by MotoTrojan
Sat Aug 11, 2018 12:21 pm
Forum: Investing - Help with Personal Investments
Topic: Preparing for a bear market
Replies: 43
Views: 5002

Re: Preparing for a bear market

With annual expenses at 3% of investments, you are already overly prepared for a bear market for your ages. There is nothing else you need to do. There is really nothing else that you can do. +1. I’d stay around 60/40. Where did you see 3% pretax being a 95% success rate? Most consider even 3.33% t...
by MotoTrojan
Fri Aug 10, 2018 8:33 pm
Forum: Investing - Help with Personal Investments
Topic: Backdoor Roth or Taxable Accounts
Replies: 24
Views: 1461

Re: Backdoor Roth or Taxable Accounts

Thanks all for your responses. Both me and my spouse created tIRAs to convert them to Roth later. You convert the contribution not the account. I have a tIRA with $0 in it every December, along with my Roth which has both regular contributions and converted (back door) ones. Don’t wait more than a ...
by MotoTrojan
Fri Aug 10, 2018 7:58 pm
Forum: Investing - Help with Personal Investments
Topic: Time to rebalance/reconsider
Replies: 14
Views: 713

Re: Time to rebalance/reconsider

It seems to me that you have a great handle on what you have and how you feel as an investor. I don't think you need any advice at all and can just do what you want and you will be just as fine as you would if you got some advice. That is, advice is not going to make any difference to you I think. ...
by MotoTrojan
Fri Aug 10, 2018 7:56 pm
Forum: Investing - Help with Personal Investments
Topic: Backdoor Roth or Taxable Accounts
Replies: 24
Views: 1461

Re: Backdoor Roth or Taxable Accounts

Thanks all for your responses. Both me and my spouse created tIRAs to convert them to Roth later. You convert the contribution not the account. I have a tIRA with $0 in it every December, along with my Roth which has both regular contributions and converted (back door) ones. Don’t wait more than a ...
by MotoTrojan
Fri Aug 10, 2018 7:54 pm
Forum: Investing - Help with Personal Investments
Topic: Time to rebalance/reconsider
Replies: 14
Views: 713

Re: Time to rebalance/reconsider

Generally folks in the higher tax brackets prefer to max out the 401k savings tax-deferred. Putting a portion of your 401k contribution into a Roth account does not increase the amount you are saving in a tax-deferred account, but it does increase the taxes you pay this year. If you instead defer p...
by MotoTrojan
Fri Aug 10, 2018 7:53 pm
Forum: Investing - Help with Personal Investments
Topic: Time to rebalance/reconsider
Replies: 14
Views: 713

Re: Time to rebalance/reconsider

It seems to me that you have a great handle on what you have and how you feel as an investor. I don't think you need any advice at all and can just do what you want and you will be just as fine as you would if you got some advice. That is, advice is not going to make any difference to you I think. ...
by MotoTrojan
Fri Aug 10, 2018 3:29 pm
Forum: Investing - Help with Personal Investments
Topic: Backdoor Roth or Taxable Accounts
Replies: 24
Views: 1461

Re: Backdoor Roth or Taxable Accounts

Keep maxing the 401k, max the Roth for both of you, and then taxable.

Make sure you research tax-efficient fund placement (Bogle wiki is a great start) and keep ER in mind with fund choice in 401k. Look at entire portfolio as one entity.
by MotoTrojan
Thu Aug 09, 2018 1:23 pm
Forum: Investing - Theory, News & General
Topic: WSJ: When to Pick Mutual Fund over ETF?
Replies: 16
Views: 1621

Re: WSJ: When to Pick Mutual Fund over ETF?

Mutual fund is beer in a bottle. ETF is beer in a can. Same beer inside. If you're buying an ETF during trading hours and it's a widely traded ETF, you're paying the spread of what? 2 cents a share? (I just looked at SCHB and it's exactly 2 cents a share). Big deal. If it bothers you, put in a limi...
by MotoTrojan
Thu Aug 09, 2018 9:35 am
Forum: Investing - Help with Personal Investments
Topic: Total Stock and Total Bond Market(s) at Vanguard
Replies: 22
Views: 2815

Re: Total Stock and Total Bond Market(s) at Vanguard

It isn’t necessary but is often done. Example, I hold Total US plus additional small-value via VIOV to tilt in that direction. It’s common for people to hold Total International as well as additional Emerging Market, etc. Total funds should usually be used to fill your taxable allocation since the t...
by MotoTrojan
Thu Aug 09, 2018 9:00 am
Forum: Investing - Theory, News & General
Topic: DRiP Performance Tracking
Replies: 6
Views: 443

Re: DRiP Performance Tracking

Huh? Vanguard performance metrics show price gain as well as income (dividends) returns.
by MotoTrojan
Thu Aug 09, 2018 8:57 am
Forum: Investing - Theory, News & General
Topic: Fidelity announced 10-for-1 fund splits in certain mutual funds
Replies: 18
Views: 3899

Re: Fidelity announced 10-for-1 fund splits in certain mutual funds

Actually it is strange that mutual fund share quantities are not managed to enough decimal places to guarantee that transactions always match orders to the penny. If you assume that price per share is kept to less than $1,000, it would take, let's see... I think five would do it? Certainly six. No ...
by MotoTrojan
Wed Aug 08, 2018 9:39 pm
Forum: Investing - Help with Personal Investments
Topic: Investment Advice - Lump sum investing
Replies: 15
Views: 1196

Re: Investment Advice - Lump sum investing

I treat my decision to aggressively lump sum (regardless of dollar amount) similar to a 16 in blackjack. Haha I love this. In your metaphor, who are the other players glaring at you if you take the dealer's 10? All the Bogle members ripping people that have remained out of the market the last 3 yea...
by MotoTrojan
Wed Aug 08, 2018 1:25 pm
Forum: Investing - Help with Personal Investments
Topic: Investment Advice - Lump sum investing
Replies: 15
Views: 1196

Re: Investment Advice - Lump sum investing

I treat my decision to aggressively lump sum (regardless of dollar amount) similar to a 16 in blackjack. You need to decide what you are going to do for life and stick with it; sometimes it'll work great, sometimes it'll bite you. Indecisiveness or changing things without a pre-prescribed plan will ...
by MotoTrojan
Wed Aug 08, 2018 1:40 am
Forum: Investing - Theory, News & General
Topic: Question about share dilution
Replies: 26
Views: 1541

Re: Question about share dilution

More likely, the company is still worth 1 billion, the share value drops to $91 and your percentage is .091%. Are you sure about this? Everyone else in this thread seems to be saying something different (that the value of the stock would not drop increasing the market cap of the company). Can anyon...