Search found 1914 matches

by MotoTrojan
Sun Aug 19, 2018 8:29 pm
Forum: Investing - Help with Personal Investments
Topic: dollar cost averaging
Replies: 7
Views: 471

Re: dollar cost averaging

Another lump vote here. I’d skip international bond but that’s just me.
by MotoTrojan
Sun Aug 19, 2018 7:17 pm
Forum: Investing - Help with Personal Investments
Topic: Help with 401K Funds - Employee Fiduciary
Replies: 1
Views: 120

Re: Help with 401K Funds - Employee Fiduciary

Bit more options than I’d go for but low cost target retirement funds are sufficient for less sophisticated investors (or just those that like a hands off approach) so bases are covered.
by MotoTrojan
Sun Aug 19, 2018 6:31 pm
Forum: Investing - Help with Personal Investments
Topic: More than $55,000 in 401k contributions this year ?
Replies: 14
Views: 1036

Re: More than $55,000 in 401k contributions this year ?

I switched jobs earlier this year. Both employers allowed after-tax contributions including in-service withdrawals - ie. Mega backdoor Roth. For the first part of 2018, I contributed about $20k to the previous employer plan, including about $9500 in pre-tax, $2000 match, and the rest after-tax. Am ...
by MotoTrojan
Sun Aug 19, 2018 6:30 pm
Forum: Investing - Help with Personal Investments
Topic: Where to put the first $5000
Replies: 23
Views: 1213

Re: Where to put the first $5000

Thanks for the responses, a little bit about me... I've been reading a lot of investment forums/personal finance books through medical school, but never had any chips to play with until now. I've gone through JL Collins' stock series recently and really agree with his approach to investing. I'm jus...
by MotoTrojan
Sun Aug 19, 2018 6:28 pm
Forum: Investing - Theory, News & General
Topic: Massive small cap tilt with low equity AA - anybody do this?
Replies: 33
Views: 2497

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

To get around the high cost of frequent purchases just put your regular contributions into the CRSP fund and swap it for IJS once a year. That's actually a genius idea. I honestly never would have thought of that. Thanks! Considering this is a tax-sheltered account, SLYV will give you the same inde...
by MotoTrojan
Sun Aug 19, 2018 6:11 pm
Forum: Investing - Help with Personal Investments
Topic: Where to put the first $5000
Replies: 23
Views: 1213

Re: Where to put the first $5000

Thanks for the responses, a little bit about me... I've been reading a lot of investment forums/personal finance books through medical school, but never had any chips to play with until now. I've gone through JL Collins' stock series recently and really agree with his approach to investing. I'm jus...
by MotoTrojan
Sun Aug 19, 2018 5:44 pm
Forum: Investing - Help with Personal Investments
Topic: Allocating 30% across accounts given conditions
Replies: 4
Views: 212

Re: Allocating 30% across accounts given conditions

Assuming no tIRA assets, you can Backdoor Roth both of you to the full limit regardless of income.

Max Roth, 403, HSA, and then taxable in broad equity funds.

Read up on tax-efficient fund placement.
by MotoTrojan
Sun Aug 19, 2018 5:05 pm
Forum: Investing - Help with Personal Investments
Topic: How to Begin with 1M
Replies: 9
Views: 1099

Re: How to Begin with 1M

Curious what the advisor had you invested in yielding less than most savings accounts over the last year.
by MotoTrojan
Sun Aug 19, 2018 3:38 pm
Forum: Investing - Help with Personal Investments
Topic: Where to put the first $5000
Replies: 23
Views: 1213

Re: Where to put the first $5000

VTSMX, unless a target retirement or Lifestrategy fund is of interest. Why aren’t you doing that route? those are also fine. the OP didnt ask about those. If this is their first $5K to invest I wager they don’t know about all the available options. Just probing to see what made them think Total US ...
by MotoTrojan
Sun Aug 19, 2018 3:37 pm
Forum: Investing - Help with Personal Investments
Topic: Transferring Tax-Advantaged Small-Cap to another broker
Replies: 7
Views: 251

Re: Transferring Tax-Advantaged Small-Cap to another broker

Converting to ETF should be easy and allow flexibility.
by MotoTrojan
Sun Aug 19, 2018 3:11 pm
Forum: Investing - Help with Personal Investments
Topic: Where to put the first $5000
Replies: 23
Views: 1213

Re: Where to put the first $5000

the limit is 5.5K, just in case. VTI or VTSMX are fine. do you want ETFs or MF? you can go from MF to ETF but not the other way around. at the end of the day, it doesnt matter. the cost difference is $5. you spent more than that on coffee this week. VTSMX, unless a target retirement or Lifestrategy...
by MotoTrojan
Sat Aug 18, 2018 10:01 pm
Forum: Personal Finance (Not Investing)
Topic: contract to FTE - what to ask?
Replies: 10
Views: 451

Re: contract to FTE - what to ask?

We have no way to know if your current hourly rate was adequate. $120K -$130K seems like a stretch unless you were grossly underpaid at $70K/hour. The only way to know what a good salary would be. Is to do a comparative analysis in your area for someone with your knowledge, skills and experience. W...
by MotoTrojan
Sat Aug 18, 2018 9:09 pm
Forum: Investing - Theory, News & General
Topic: How is equity/bond allocation different from overweighting sectors/asset classes?
Replies: 3
Views: 288

Re: How is equity/bond allocation different from overweighting sectors/asset classes?

I think there is a much bigger difference between equities/bonds and say large-growth/small-value. There are clear economic reasons that stocks have a higher expected return (and risk) relative to corporate bonds from the same companies, for example. I don’t overfocus on the academics though. I tilt...
by MotoTrojan
Sat Aug 18, 2018 8:28 pm
Forum: Investing - Theory, News & General
Topic: Personal Capital shows FTIPX as containing 16% Cash
Replies: 9
Views: 788

Re: Personal Capital shows FTIPX as containing 16% Cash

Derivatives maintain exposure so even the 1.6% doesn’t matter, but odd glitch regardless.
by MotoTrojan
Sat Aug 18, 2018 3:59 pm
Forum: Investing - Theory, News & General
Topic: Diversification
Replies: 13
Views: 662

Re: Diversification

yousha wrote:
Sat Aug 18, 2018 3:51 pm
My experience has been that when the total Stock Market goes down most times the total international stock market goes down as well (lockstep).

Any thoughts?
Not usually by the same amount. Look at 1, 5, 10 year charts and it’ll be obvious they don’t move together entirely.
by MotoTrojan
Sat Aug 18, 2018 3:40 pm
Forum: Personal Consumer Issues
Topic: oil pan threads stripped - pan saver okay?
Replies: 33
Views: 1810

Re: oil pan threads stripped - pan saver okay?

Properly installed helicoil should be cheap and very reliable. Arguably could make it more robust to future issues as the new “threads” will be steel. Threading for a larger drain plug is a similar process so cost should be roughly the same. I would happily consider either of those if done properly....
by MotoTrojan
Sat Aug 18, 2018 2:22 pm
Forum: Investing - Theory, News & General
Topic: Capital Gains on an Index Fund
Replies: 25
Views: 1312

Re: Capital Gains on an Index Fund

Question for me on taxed account on tax lost harvesting. Example you have 100k in Total Stock Market at the end of the year you are down to 90k. Only fund own in tax account . Does it make sense to sell, buy same fund 30 days later than take the 10k loss out on your income. Or just let it ride and ...
by MotoTrojan
Sat Aug 18, 2018 2:07 pm
Forum: Investing - Help with Personal Investments
Topic: Portfolio Strategy Questions
Replies: 5
Views: 456

Re: Portfolio Strategy Questions

The 401k fund could be total return whereas you’d need to add the dividend to a Vanguard fund. Do the funds have the same asset allocation to equities? International? Since you asked, the fund is the American Funds 2035 Class R-6 (RFFTX). RFFTX is put together very differently than the Vanguard 203...
by MotoTrojan
Sat Aug 18, 2018 2:05 pm
Forum: Personal Consumer Issues
Topic: Switch to auto lease after retirement?
Replies: 38
Views: 2681

Re: Switch to auto lease after retirement?

This is an interesting topic, as I'm in the window where I'm beginning to consider my next car, and I am concerned about spending assets that could continue working for our retirement in our tax-deferred accounts. Considering the 4% rule, if I buy a $40k car, I need $1M in assets to pay for that in...
by MotoTrojan
Sat Aug 18, 2018 1:45 pm
Forum: Investing - Help with Personal Investments
Topic: Portfolio Strategy Questions
Replies: 5
Views: 456

Re: Portfolio Strategy Questions

The 401k fund could be total return whereas you’d need to add the dividend to a Vanguard fund. Thanks for the response Moto. I'm not sure I understand your comment above. Can you explain further? I'm using the same analysis tool (Morningstar) to compare the fund symbols with each other, so in my mi...
by MotoTrojan
Sat Aug 18, 2018 1:23 pm
Forum: Investing - Help with Personal Investments
Topic: S&P CIT for 1 basis point, or Total Market for 1.5 basis points?
Replies: 4
Views: 226

Re: S&P CIT for 1 basis point, or Total Market for 1.5 basis points?

1/2 bp wouldn’t be part of the equation. Do you want Total US or S&P with a pricier small tilt? Implement that.
by MotoTrojan
Sat Aug 18, 2018 4:25 am
Forum: Personal Finance (Not Investing)
Topic: What is the difference between minimum payment and statement balance for 0 APR card
Replies: 9
Views: 690

Re: What is the difference between minimum payment and statement balance for 0 APR card

Pay the minimum then pay off 1-2 months early to be safe, as mentioned. If risk-adverse, save ~$5750 in a CD or savings and it’ll be $6K when needed.
by MotoTrojan
Fri Aug 17, 2018 9:39 pm
Forum: Investing - Help with Personal Investments
Topic: left advisor, overwhelmed
Replies: 7
Views: 1180

Re: left advisor, overwhelmed

If you decide to move to Vanguard, I would ask them for portfolio advice. With your large portfolio, they may be willing to help you to some extent. I would be cautious to ask for advice at other brokerages, as they may be looking out for themselves and maybe commissions. If you know exactly what y...
by MotoTrojan
Fri Aug 17, 2018 9:02 pm
Forum: Investing - Help with Personal Investments
Topic: Portfolio Strategy Questions
Replies: 5
Views: 456

Re: Portfolio Strategy Questions

How is selling stock in your pretax account to exchange it for stock in your Roth buying new stock? If most of your tax-advantaged is Roth it’s okay to keep bonds there. The market is often at an all-time high. May never be a better day than today to buy. Also are you sure you are comparing the targ...
by MotoTrojan
Fri Aug 17, 2018 8:27 pm
Forum: Investing - Help with Personal Investments
Topic: Automatic Investment in a Taxable Account
Replies: 20
Views: 1766

Re: Automatic Investment in a Taxable Account

I’m not aware of any accumulating (no dividend) investment methods in the US. I am confused by this statement. Suppose if you buy a stock, but never sell it, I assume the stock will have unrealized gain and loss, but incur minimal dividend or interest. Is my understanding correct? I should’ve been ...
by MotoTrojan
Fri Aug 17, 2018 6:39 pm
Forum: Investing - Help with Personal Investments
Topic: Automatic Investment in a Taxable Account
Replies: 20
Views: 1766

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: 33
Views: 2497

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: 608

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: 41
Views: 3612

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: 709

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: 709

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: 25
Views: 1600

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: 16540

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: 48
Views: 4380

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: 595

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: 916

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: 658

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: 1127

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: 194

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: 1127

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: 1468930

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: 741

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: 2919

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: 135

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: 14251

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: 812

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: 1380

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: 564
Views: 33095

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: 1750

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: 798

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...