Search found 1489 matches

by MotoTrojan
Sat May 19, 2018 9:25 pm
Forum: Personal Finance (Not Investing)
Topic: Employee stock - Brokerage account suggestion
Replies: 1
Views: 141

Re: Employee stock - Brokerage account suggestion

I need to move my previous employees stock to an trading account as I am no longer employed with them. I have about 20k in it and am thinking about opening a TD Ameritrade account. The other option is to liquidate these stocks and get a check. I do not want to realise the gains and pay taxes now bu...
by MotoTrojan
Sat May 19, 2018 7:57 pm
Forum: Investing - Help with Personal Investments
Topic: Allocation to combine Dave Ramsey and Vanguard?
Replies: 79
Views: 6585

Re: Allocation to combine Dave Ramsey and Vanguard?

No reason to look at Roth only. Look at the entire portfolio.
by MotoTrojan
Sat May 19, 2018 12:27 pm
Forum: Investing - Help with Personal Investments
Topic: Allocation to combine Dave Ramsey and Vanguard?
Replies: 79
Views: 6585

Re: Allocation to combine Dave Ramsey and Vanguard?

OP. How about a smaller percentage but a deeper size premium via the S&P600? You’d need to use either the tax-managed small cap mutual fund or an ETF like VIOV/IJS. It’s about half the market cap of VG SC. Hi MotoTrojan: Thanks for this suggestion. VIOV seems like a much purer small cap value fund....
by MotoTrojan
Sat May 19, 2018 12:24 pm
Forum: Investing - Help with Personal Investments
Topic: Allocation to combine Dave Ramsey and Vanguard?
Replies: 79
Views: 6585

Re: Allocation to combine Dave Ramsey and Vanguard?

vineviz wrote:
Sat May 19, 2018 12:05 am
Through Vanguard Brokerage Services, yes.
No fee?
by MotoTrojan
Fri May 18, 2018 3:53 pm
Forum: Investing - Help with Personal Investments
Topic: Allocation to combine Dave Ramsey and Vanguard?
Replies: 79
Views: 6585

Re: Allocation to combine Dave Ramsey and Vanguard?

OP. How about a smaller percentage but a deeper size premium via the S&P600? You’d need to use either the tax-managed small cap mutual fund or an ETF like VIOV/IJS. It’s about half the market cap of VG SC.
by MotoTrojan
Fri May 18, 2018 1:24 pm
Forum: Investing - Help with Personal Investments
Topic: Allocation to combine Dave Ramsey and Vanguard?
Replies: 79
Views: 6585

Re: Allocation to combine Dave Ramsey and Vanguard?

If I eliminated International I’d hold less SCV personally. I think you are performance chasing. Perhaps I am. If this is a long term plan, though, that shouldn't be viewed as a bad thing. It should be viewed as researching to find the best-possible return for my investment dollars. Of course, in h...
by MotoTrojan
Fri May 18, 2018 1:22 pm
Forum: Personal Finance (Not Investing)
Topic: Insight Card (APY 5%) full personal review
Replies: 41
Views: 3993

Re: Insight Card (APY 5%) full personal review

Hmm not what I heard but all the more reason to transfer the interest into a 2nd account.
by MotoTrojan
Fri May 18, 2018 9:47 am
Forum: Investing - Help with Personal Investments
Topic: Allocation to combine Dave Ramsey and Vanguard?
Replies: 79
Views: 6585

Re: Allocation to combine Dave Ramsey and Vanguard?

Skip the mid-cap, go with Total US and Small-cap (Vanguards small-cap is actually 50/50 mid/small) and consider using the small-value fund which performed even better in back-testing. Still a 3-fund portfolio with Total International, and higher EXPECTED returns. 50/25/25 would be a nice balance. T...
by MotoTrojan
Fri May 18, 2018 9:44 am
Forum: Investing - Theory, News & General
Topic: YTD: VBTLX down 2.28%; VBILX down 2.99%; VTSAX down 0.23%
Replies: 78
Views: 6592

Re: YTD: VBTLX down 2.28%; VBILX down 2.99%; VTSAX down 0.23%

NAV doesn’t go down when interest rates go up as expected, it goes down when they go up more than expected. Just like how stocks are priced for future expectations not results as they come out. Why is that so hard to understand? Disclaimer: I’m 100/0. To estimate how a change in interest rates can ...
by MotoTrojan
Thu May 17, 2018 10:56 pm
Forum: Personal Finance (Not Investing)
Topic: Are high dividend stocks advantageous for the 15% tax rate?
Replies: 9
Views: 768

Re: Are high dividend stocks advantageous for the 15% tax rate?

While I know the consensus here is that favoring higher-dividend stocks does not make sense for an equity portfolio, does it make sense for a taxable portfolio used for income in retirement because of the 15% tax rate on dividends? No more sense than capital gains tax on a broad fund, plus this is ...
by MotoTrojan
Thu May 17, 2018 10:55 pm
Forum: Investing - Theory, News & General
Topic: YTD: VBTLX down 2.28%; VBILX down 2.99%; VTSAX down 0.23%
Replies: 78
Views: 6592

Re: YTD: VBTLX down 2.28%; VBILX down 2.99%; VTSAX down 0.23%

NAV doesn’t go down when interest rates go up as expected, it goes down when they go up more than expected. Just like how stocks are priced for future expectations not results as they come out. Why is that so hard to understand? Disclaimer: I’m 100/0. To estimate how a change in interest rates can ...
by MotoTrojan
Thu May 17, 2018 10:47 pm
Forum: Personal Finance (Not Investing)
Topic: Insight Card (APY 5%) full personal review
Replies: 41
Views: 3993

Re: Insight Card (APY 5%) full personal review

Mint seamlessly synced with Insight, now I feel better about it being kept track of. Shows checking AND savings. I wonder how it would handle a 2nd card??? I’m debating getting one and transferring the interest from the 1st over so I can allow it to compound and still maintain full liquidity. Are bo...
by MotoTrojan
Thu May 17, 2018 10:13 pm
Forum: Personal Finance (Not Investing)
Topic: Can I Roth convert 401k? (and other retirement acct questions)
Replies: 10
Views: 770

Re: Can I Roth convert 401k? (and other retirement acct questions)

Usually people convert post-tax IRA assets to Roth. Converting a pre-tax 401k will cost income tax on gains AND contributions.
by MotoTrojan
Thu May 17, 2018 9:23 pm
Forum: Investing - Theory, News & General
Topic: YTD: VBTLX down 2.28%; VBILX down 2.99%; VTSAX down 0.23%
Replies: 78
Views: 6592

Re: YTD: VBTLX down 2.28%; VBILX down 2.99%; VTSAX down 0.23%

NAV doesn’t go down when interest rates go up as expected, it goes down when they go up more than expected. Just like how stocks are priced for future expectations not results as they come out. Why is that so hard to understand?

Disclaimer: I’m 100/0.
by MotoTrojan
Thu May 17, 2018 7:14 pm
Forum: Investing - Help with Personal Investments
Topic: Taking advantage of 0% tax rate on capital gains
Replies: 18
Views: 1830

Re: Taking advantage of 0% tax rate on capital gains

Hello, I am active duty military and my wife is attending graduate school and stopped working this year so we should be in the 12% tax bracket with about $15,000 to spare before the next bracket. I have approximately 10,000 dollars of unrealized long term capital gains of VTSAX in Vanguard. What is...
by MotoTrojan
Thu May 17, 2018 2:26 pm
Forum: Investing - Theory, News & General
Topic: Small caps and Micro caps
Replies: 6
Views: 467

Re: Small caps and Micro caps

golfallday wrote:
Thu May 17, 2018 1:55 pm
Any thoughts why they are doing well so far this year? IWM is +6.2% YTD; IWC is +7.9% YTD. VTI is +2.2% YTD.
Smaller companies are less impacted by trade-wars and global conflicts in general is my guess.
by MotoTrojan
Thu May 17, 2018 2:25 pm
Forum: Investing - Theory, News & General
Topic: Small caps and Micro caps
Replies: 6
Views: 467

Re: Small caps and Micro caps

Small cap value tilt is finally paying off. Their performance in the last few years was not so great. The why doesn't matter so much. Different parts of the portfolio outperform or underperform at different times. If I accept that I can't predict the when, then I diversify and buy a little of every...
by MotoTrojan
Thu May 17, 2018 1:05 pm
Forum: Investing - Help with Personal Investments
Topic: Thinking about self-managing my account
Replies: 25
Views: 1376

Re: Thinking about self-managing my account

The fund choices are overly complicated and weird to me. What's wrong with a traditional 3 fund at your 65/35 desired allocation? That'll get you a lower overall ER than you presently have and by punting the PAS, gains you 0.3% immediately. Rebalancing is 15 minutes a year. Set yourself up for ease...
by MotoTrojan
Thu May 17, 2018 9:48 am
Forum: Investing - Help with Personal Investments
Topic: Thinking about self-managing my account
Replies: 25
Views: 1376

Re: Thinking about self-managing my account

OK, I am looking at these funds for my allocation. Vanguard Total Stock Market Index Fund (VTSMX) 40% Vanguard Total International Stock Index Fund (VGTSX) 20% Vanguard Total Bond Market Fund (VBMFX) 40% I should have no problem if I need to rebalance these three funds. Thoughts on these or others ...
by MotoTrojan
Thu May 17, 2018 9:47 am
Forum: Investing - Help with Personal Investments
Topic: Thinking about self-managing my account
Replies: 25
Views: 1376

Re: Thinking about self-managing my account

The fund choices are overly complicated and weird to me. What's wrong with a traditional 3 fund at your 65/35 desired allocation? That'll get you a lower overall ER than you presently have and by punting the PAS, gains you 0.3% immediately. Rebalancing is 15 minutes a year. Set yourself up for ease...
by MotoTrojan
Wed May 16, 2018 10:52 pm
Forum: Investing - Help with Personal Investments
Topic: Please comment on Investment Plan
Replies: 2
Views: 206

Re: Please comment on Investment Plan

Unless you need the security/liquidity of all the CDs I’d put more fixed-income in tax-advantaged instead.

I also disagree with your market timing but that’s up to you.
by MotoTrojan
Wed May 16, 2018 10:37 pm
Forum: Investing - Help with Personal Investments
Topic: Rebalancing & ignoring some asset classes I already have investments in?
Replies: 2
Views: 205

Re: Rebalancing & ignoring some asset classes I already have investments in?

At a minimum, make sure you aren’t reinvesting dividends in the funds you don’t want (buy what you do want with dividends taken as cash). How much cap-gains relative to portfolio size are we talking? I’d setup a spreadsheet and include EM as International still, dividends/NR as domestic (if that’s a...
by MotoTrojan
Wed May 16, 2018 10:28 pm
Forum: Investing - Help with Personal Investments
Topic: Thinking about self-managing my account
Replies: 25
Views: 1376

Re: Thinking about self-managing my account

Seems wasteful and useless to have half self-managed. Go all or nothing. Bit weird they have you in an international growth fund rather than total international. Also longterm bonds. Some cleanup there (no need to sell if it’ll incure gains) couldn’t hurt. I’d do a 3 fund myself, which is close to w...
by MotoTrojan
Wed May 16, 2018 3:26 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard Morgan growth fund
Replies: 14
Views: 727

Re: Vanguard Morgan growth fund

100% Small-value by your logic would make the most sense and be indexed too.
by MotoTrojan
Wed May 16, 2018 9:39 am
Forum: Personal Finance (Not Investing)
Topic: Would you send your children to private school in my situation?
Replies: 93
Views: 5622

Re: Would you send your children to private school in my situation?

I'm debating on whether I should send my children to private school. The public elementary school in my community is very good. However there is also a very good private school in my community as well. I'm debating on whether I should spend the money for private school. In terms of my finances my w...
by MotoTrojan
Wed May 16, 2018 12:43 am
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 6537
Views: 1400520

Re: U.S. stocks in freefall

Sorry man. I don't think that way. About the only thing I do consistently is NOT follow the crowd. Been doing it all my life. Retired from work at 42 in 2007. I invest my money for a living. Basically, I study conventional wisdom, then reject it. It's a great way to get rich. ...Isn't the conventio...
by MotoTrojan
Tue May 15, 2018 10:17 pm
Forum: Personal Consumer Issues
Topic: New motorcycle rider
Replies: 106
Views: 4182

Re: New motorcycle rider

SV650 is a great Suzuki that will suit beginner to expert, commuter to racer.
by MotoTrojan
Tue May 15, 2018 5:21 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 6537
Views: 1400520

Re: U.S. stocks in freefall

I started selling at the end of Oct 2017. Finished selling at the end of Jan 2018. The only equities I own are in the Oil/Oil Services industry which represent somewhere between 20-30% of my portfolio. The rest is in cash, short-term treasuries, TIPs, and some gold. This portfolio hit an all time h...
by MotoTrojan
Tue May 15, 2018 2:22 pm
Forum: Investing - Help with Personal Investments
Topic: VBK [Vanguard Small Cap Growth]
Replies: 8
Views: 399

Re: VBK [Vanguard Small Cap Growth]

I prefer small-value as most do. Also the VG funds are quite large, more like 50/50 mid/small.

Check out VIOV. Half the median market cap.
by MotoTrojan
Tue May 15, 2018 9:41 am
Forum: Investing - Help with Personal Investments
Topic: How can I clear $40-60,000/yr with $1,000,000 cash... Low Risk?
Replies: 71
Views: 10254

Re: How can I clear $40-60,000/yr with $1,000,000 cash... Low Risk?

would like to take the cash and put it into a Short/Mid Term investment that would provide a Low Risk , Principle protected investment that would provide a 4-6% after tax , annual return to supplement my current retirement income. This does not exist, and anyone offering it is trying to rip you off...
by MotoTrojan
Mon May 14, 2018 11:25 pm
Forum: Investing - Help with Personal Investments
Topic: Grant date of ISOs reset when company acquired?
Replies: 9
Views: 716

Re: Grant date of ISOs reset when company acquired?

If you exercised the ISO, then you should have all shares of stock now. Options are gone, converted to actual shares. I think your post terminology is crossing swords between option speak and stock speak. :wink: A share of stock would have an acquisition date. Is that what you mean by option date? ...
by MotoTrojan
Mon May 14, 2018 11:23 pm
Forum: Investing - Help with Personal Investments
Topic: How can I clear $40-60,000/yr with $1,000,000 cash... Low Risk?
Replies: 71
Views: 10254

Re: How can I clear $40-60,000/yr with $1,000,000 cash... Low Risk?

Hello Thanks in advance for experienced BH's advice/opinions! Without going into explicit detail of my total financial picture ... I want to purposely keep this post simple and to the point & purpose. I do have other funds invested per common BH guidelines ... I'm not concerned about these. I have ...
by MotoTrojan
Mon May 14, 2018 9:29 pm
Forum: Investing - Help with Personal Investments
Topic: Three fund portfolio performance
Replies: 31
Views: 3881

Re: Three fund portfolio performance

Started June 2017. Experiment using robo investing with Vanguard. Thought I would evaluate after one year if I would tcontinue with robo investment and/or profile. So far robo option is gone as far I am concerned. Read the books and articles suggested before starting. Evaluating total return No spe...
by MotoTrojan
Mon May 14, 2018 8:51 pm
Forum: Investing - Help with Personal Investments
Topic: Sell/Wait to meet desired allocation in Fido taxable
Replies: 9
Views: 461

Re: Sell/Wait to meet desired allocation in Fido taxable

Thanks that helps with my peace of mind. The goal is to complement this account with my Vanguard Roth (LifeStrategy Growth), and my employer plans. I'm an NYC teacher so I use a 7% fixed return fund in a 403b as my bond and my 457 has an S&P 500 index fund through Blackrock with a nice 0.05 ER. You...
by MotoTrojan
Mon May 14, 2018 6:29 pm
Forum: Investing - Help with Personal Investments
Topic: Grant date of ISOs reset when company acquired?
Replies: 9
Views: 716

Re: Grant date of ISOs reset when company acquired?

If you exercised the ISO, then you should have all shares of stock now. Options are gone, converted to actual shares. I think your post terminology is crossing swords between option speak and stock speak. :wink: A share of stock would have an acquisition date. Is that what you mean by option date? ...
by MotoTrojan
Mon May 14, 2018 11:21 am
Forum: Investing - Help with Personal Investments
Topic: Help simplifying 401k
Replies: 7
Views: 617

Re: Help simplifying 401k

Those State Street index funds for the S&P/Intl/Bonds seems to be fine for a 3F. If you want to build out the Total US you can also use the State Street S&P 75%/Mid-15%/Russell 10% or something close to that by mixing and matching. OP; Do you have substantial assets elsewhere (Roth/IRA/Taxable) whi...
by MotoTrojan
Sun May 13, 2018 9:02 pm
Forum: Investing - Help with Personal Investments
Topic: Small cap value tilt
Replies: 15
Views: 1883

Re: Small cap value tilt

I agree it’s overcomplicated. I also prefer S&P over Russell and this use VIOV for my small value.
by MotoTrojan
Sun May 13, 2018 7:21 pm
Forum: Investing - Theory, News & General
Topic: Anything wrong with too many lots?
Replies: 47
Views: 4627

Re: Anything wrong with too many lots?

The 30-day rule applies to the date of the sale, not to the date of the purchase. If you sell a lot on Monday, May 14, you can only have a wash sale if you bought replacement shares between April 14 and June 13. Thus, if you purchase monthly, you must sell your May 1 purchase, and avoid making a Ju...
by MotoTrojan
Sun May 13, 2018 2:48 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard Two Fund or A Managed Portfolio?
Replies: 13
Views: 837

Re: Vanguard Two Fund or A Managed Portfolio?

I'd just buy VSMGX for both IRAs and forget about it. VSMGX is the Vanguard LifeStrategy Moderate Growth fund which keeps a 60/40 asset allocation. Such a purchase would save about 1.4% a year of excess fees over the managed portfolio and just make life incredibly simple. 2nd’d. Only reason not to ...
by MotoTrojan
Sat May 12, 2018 2:20 pm
Forum: Investing - Help with Personal Investments
Topic: Is it ok to use ETFs in a Roth IRA?
Replies: 12
Views: 817

Re: Is it ok to use ETFs in a Roth IRA?

TBh, sometimes wish I had set up my VG Roth as etfs. I also sometimes wish I'd set up my core VTSAX in taxable as an etf. Only because of the smug satisfaction of parking a dirt cheap limit order and having it go through when the market swings both ways or yields spike. :) Year over year, not sure ...
by MotoTrojan
Fri May 11, 2018 3:32 pm
Forum: Investing - Help with Personal Investments
Topic: Allocation to combine Dave Ramsey and Vanguard?
Replies: 79
Views: 6585

Re: Allocation to combine Dave Ramsey and Vanguard?

Skip the mid-cap, go with Total US and Small-cap (Vanguards small-cap is actually 50/50 mid/small) and consider using the small-value fund which performed even better in back-testing.

Still a 3-fund portfolio with Total International, and higher EXPECTED returns.

50/25/25 would be a nice balance.
by MotoTrojan
Fri May 11, 2018 11:03 am
Forum: Investing - Help with Personal Investments
Topic: Investment Advice from Pension Fund Manager - Should I listen?
Replies: 39
Views: 1684

Re: Investment Advice from Pension Fund Manager - Should I listen?

Lump sum RSU sale. Just making a point that you should invest as soon as you can. Sorry, last question: RSU = Rogers State University ??? (in Northeast Oklahoma) Haha apologies. Restricted Stock Units. I sold some shares that were granted to me from a previous employer (private company, does buybac...
by MotoTrojan
Thu May 10, 2018 9:21 pm
Forum: Investing - Help with Personal Investments
Topic: Investment Advice from Pension Fund Manager - Should I listen?
Replies: 39
Views: 1684

Re: Investment Advice from Pension Fund Manager - Should I listen?

DanMahowny wrote:
Thu May 10, 2018 8:07 pm
MotoTrojan wrote:
Thu May 10, 2018 7:19 pm
I just doubled the size of my portfolio last week. No qualms.
Nice job. How did you do it?
Lump sum RSU sale. Just making a point that you should invest as soon as you can.
by MotoTrojan
Thu May 10, 2018 7:19 pm
Forum: Investing - Help with Personal Investments
Topic: Investment Advice from Pension Fund Manager - Should I listen?
Replies: 39
Views: 1684

Re: Investment Advice from Pension Fund Manager - Should I listen?

Time in the market not timing the market. Look at threads of people that pulled out the last 5 years due to extreme valuations.

I just doubled the size of my portfolio last week. No qualms.
by MotoTrojan
Thu May 10, 2018 2:12 pm
Forum: Personal Finance (Not Investing)
Topic: Liability or Comprehensive Insurance for $8K Book Value SUV
Replies: 14
Views: 596

Re: Liability or Comprehensive Insurance for $8K Book Value SUV

I have comprehensive since my car isn’t cheap but I use a $2500 deductible. In the past I’ve made smaller comprehensive claims (not at fault) and had a negative return due to rate increases.

For this car I’d likely go liability only (no collision either).
by MotoTrojan
Wed May 09, 2018 7:50 pm
Forum: Investing - Help with Personal Investments
Topic: Small Cap
Replies: 11
Views: 946

Re: Small Cap

I just listened to this podcast: https://paulmerriman.com/8-ways-to-make-more-on-your-target-date-fund/ And he recommends splitting stock portion of AA into 35% Total US, 35% Small Cap Value and 30% International. What do you guys think of Small cap? I’m a bit more benign at 55, 25, 20 TSM/Int/SCV.
by MotoTrojan
Wed May 09, 2018 4:42 pm
Forum: Investing - Help with Personal Investments
Topic: Taxable account vs IRA - basic question about tax implications
Replies: 13
Views: 968

Re: Taxable account vs IRA - basic question about tax implications

You’d actually pay more tax on the gain in the IRA since it’s regular income vs. the lesser long-term cap gains in taxable. I think you’ve self-discovered why a non-deductible IRA contribution only really makes sense if you plan to convert to Roth (often called a backdoor Roth). I’d do this in your ...
by MotoTrojan
Wed May 09, 2018 11:23 am
Forum: Investing - Help with Personal Investments
Topic: Bad(?) advice from employer retirement advisor [on per-year contribution limits]
Replies: 29
Views: 1990

Re: Bad(?) advice from employer retirement advisor [on per-year contribution limits]

That’s frightening. I’d get it in writing, find the clearest source, and send to whomever is in charge of them.
by MotoTrojan
Wed May 09, 2018 11:20 am
Forum: Investing - Help with Personal Investments
Topic: adding large cap to my portfolio - bad idea ?
Replies: 6
Views: 291

Re: adding large cap to my portfolio - bad idea ?

I have total stock ( 65 % ) , total international ( 15 % ) , muni bond ( 10 % ). I would love to take a risk and buy few individual stocks but instead of doing that I though i might just buy large cap index at vanguard ...... As others have said, doesn’t really add much more than complexity. Checko...