Search found 2475 matches

by MotoTrojan
Tue Nov 20, 2018 4:15 pm
Forum: Investing - Help with Personal Investments
Topic: Tax loss harvest of IWF Russell 1000 Growth ETF
Replies: 3
Views: 206

Re: Tax loss harvest of IWF Russell 1000 Growth ETF

IMHO you are fine as long as your replacement doesn’t follow tbe russell 1000 growth index. S&P500 growth, large cap growth for CRSP index, etc would all be totally fine. Total US as well, if you wanted to move your AA towards that or any other finds mentioned.
by MotoTrojan
Tue Nov 20, 2018 1:27 pm
Forum: Investing - Help with Personal Investments
Topic: 8-month windfall check-in
Replies: 26
Views: 5437

Re: 8-month windfall check-in

PFInterest wrote:
Mon Aug 27, 2018 10:46 am
i would not have put 3/4 MM in a TDF in taxable.
Or midcap value.
by MotoTrojan
Tue Nov 20, 2018 8:33 am
Forum: Investing - Help with Personal Investments
Topic: Tax loss harvesting - how much?
Replies: 13
Views: 897

Re: Tax loss harvesting - how much?

I have some shares I want to sell that are STCG loss. I know I can offset $3k against my income - can I also offset dividends I received over the year, and distributions from VTSAX? The more the merrier, they rollover to next year. You’ll offset short and longterm gains first, then any leftover wil...
by MotoTrojan
Tue Nov 20, 2018 8:29 am
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 7985
Views: 1621246

Re: U.S. stocks in freefall

azanon wrote:
Tue Nov 20, 2018 8:26 am
DOW futures down 300 points as I post this. Let's get ready for another freefall!
DOW futures is so archaic, but based on bitcoin’s drop overnight I agree :P .
by MotoTrojan
Tue Nov 20, 2018 2:50 am
Forum: Investing - Help with Personal Investments
Topic: Tax loss harvesting - how much?
Replies: 13
Views: 897

Re: Tax loss harvesting - how much?

I have some shares I want to sell that are STCG loss. I know I can offset $3k against my income - can I also offset dividends I received over the year, and distributions from VTSAX? The more the merrier, they rollover to next year. You’ll offset short and longterm gains first, then any leftover wil...
by MotoTrojan
Mon Nov 19, 2018 9:37 pm
Forum: Personal Consumer Issues
Topic: How to share sensitive text & image between computer and phone?
Replies: 21
Views: 1452

Re: How to share sensitive text & image between computer and phone?

You can use WInzip or similar Zip software to encrypt any kind of file. There are often several levels of security (think Winzip has 3) but they all work with a password you generate.

With this I'd be comfortable just e-mailing the file to yourself.
by MotoTrojan
Mon Nov 19, 2018 9:29 pm
Forum: Investing - Help with Personal Investments
Topic: Ally No Penalty CD vs. Ally MM Savings?
Replies: 15
Views: 1558

Re: Ally No Penalty CD vs. Ally MM Savings?

Happy holidays. Is there any downside to putting one’s emergency fund in an Ally No Penalty CD (11 mos.) at 2.2% vs. just using the regular MM savings, now at 2%? I know it’s not a huge difference, but ... you know. ... thanks, Rob Theoretically Ally could increase the interest rate on the Savings ...
by MotoTrojan
Mon Nov 19, 2018 9:19 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 7985
Views: 1621246

Re: U.S. stocks in freefall

2% off today. tiny correction but I would accept tiny bit of saving. Usually, I only consider -10% of saving as start point and -40% as real saving. just add tiny bit today. By cherry picking data that perpetuates a doom and gloom outlook, 40% off comes around once every 20 years. As mentioned thos...
by MotoTrojan
Mon Nov 19, 2018 9:17 pm
Forum: Investing - Theory, News & General
Topic: Vanguard lowering Admiral level to $3,000?
Replies: 198
Views: 11820

Re: Vanguard lowering Admiral level to $3,000?

Good excuse to move my Roth holdings to MF and perhaps some taxable too if I can TLH into the MF.
by MotoTrojan
Mon Nov 19, 2018 3:24 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 7985
Views: 1621246

Re: U.S. stocks in freefall

The global market portfolio (approximated) doesn't even have 50% equities! So it's considered very risk adverse to hold more stocks than the global market does? That tell me the collective wisdom is lacking a little bit. ..... Ok, I won't post on this anymore though, as I want to stay on topic per ...
by MotoTrojan
Mon Nov 19, 2018 2:32 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 7985
Views: 1621246

Re: U.S. stocks in freefall

CULater wrote:
Mon Nov 19, 2018 1:10 pm


Yes, probably right. I think my risk tolerance level is pretty close to zero. Actually, I can tolerate equity risk but it's the losing money part that freaks me out. I ought to just accept that and let the rest of you guys play on...
Losing money and equity risk go hand-in-hand. Good luck.
by MotoTrojan
Mon Nov 19, 2018 2:32 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard Target Retirement/Life Strategy vs 4 Fund DIY balancing
Replies: 17
Views: 1922

Re: Vanguard Target Retirement/Life Strategy vs 4 Fund DIY balancing

Splitting it up only makes sense to me if you want a different allocation than available, or have substantial taxable assets and want to locate things most efficiently. For those with most/all of their holdings in a 401k and/or IRA, a fund-of-funds is an excellent strategy. As your needs change you ...
by MotoTrojan
Mon Nov 19, 2018 11:34 am
Forum: Investing - Help with Personal Investments
Topic: Best way to deal with a smallish cash flow issue for a few months
Replies: 9
Views: 609

Re: Best way to deal with a smallish cash flow issue for a few months

Most cash advance cards are 3% fee but usually not 0% APR. It’s about to end but my Uber Barclays card has 1% fee cash advance 12 month 0% APR.

Also any monthly expenses put on a CC can be put on a 0% card free fee.
by MotoTrojan
Sun Nov 18, 2018 6:11 pm
Forum: Investing - Help with Personal Investments
Topic: Do you angel invest? If so, how many investments do you typically do?
Replies: 5
Views: 663

Re: Do you angel invest? If so, how many investments do you typically do?

A friend of mine is getting into angel investing (he meets the criteria) and was curious how often people do angel investments. It seems like its for bragging rights in the Bay Area than a real return? If I won the lottery I’d probably do it for entertainment. I wouldn’t do it unless it’s play money.
by MotoTrojan
Sun Nov 18, 2018 2:07 pm
Forum: Investing - Help with Personal Investments
Topic: Is it 'Market Timing' (i.e., Bad) to Have an Investment Plan Where You Increase Stock Allocation if Market Declines?
Replies: 25
Views: 2449

Re: Is it 'Market Timing' (i.e., Bad) to Have an Investment Plan Where You Increase Stock Allocation if Market Declines?

I've been thinking a lot about this as well recently, and here's my take from a non-professional/non-expert perspective: "Market timing" has come to take on different meanings and different connotations, and has such - to some degree - outlived its usefulness in terms of categorically avoiding some...
by MotoTrojan
Sun Nov 18, 2018 2:06 pm
Forum: Investing - Help with Personal Investments
Topic: To IRA or not
Replies: 8
Views: 608

Re: To IRA or not

PFInterest wrote:
Sun Nov 18, 2018 1:50 pm
You should do a backdoor rIRA prior to investing in taxable.
Yup. $5500 for 2018 and $6000 for 2019. Sounds like you don't have a pre-tax IRA so you are eligible. Much better than taxable.
by MotoTrojan
Sat Nov 17, 2018 9:16 pm
Forum: Investing - Help with Personal Investments
Topic: Stock, Bonds, REIT belongs in Taxable vs ROTH?
Replies: 14
Views: 744

Re: Stock, Bonds, REIT belongs in Taxable vs ROTH?

Generally speaking, the Roth should have assets with high growth potential. There can be a debate if you only have a Roth and taxable accounts as to whether bonds should go to Roth or taxable. However, you have a tax deferrred account. And not only a tax deferred account but a TSP with access to th...
by MotoTrojan
Sat Nov 17, 2018 9:14 pm
Forum: Investing - Help with Personal Investments
Topic: Stock, Bonds, REIT belongs in Taxable vs ROTH?
Replies: 14
Views: 744

Re: Stock, Bonds, REIT belongs in Taxable vs ROTH?

Bogleheads- I just want to be sure I am maximizing my tax advantages and doing it right. I have in my portfolio split into 70% stocks, 25% bonds, 5% REIT. I have my bonds and REIT all in my ROTH IRA with no stock in my ROTH IRA. The ROTH IRA is parked in my taxable investment account. I did this be...
by MotoTrojan
Sat Nov 17, 2018 9:01 pm
Forum: Investing - Help with Personal Investments
Topic: Is it 'Market Timing' (i.e., Bad) to Have an Investment Plan Where You Increase Stock Allocation if Market Declines?
Replies: 25
Views: 2449

Re: Is it 'Market Timing' (i.e., Bad) to Have an Investment Plan Where You Increase Stock Allocation if Market Declines?

It’s called rebalancing, you naturally buy more stocks in a downturn. Nope, it is market timing. He is changing his AA in response to what the market is doing. It is rebalancing if you are working of the internital dynamics of your AA. I can make numerous justifications for rebalancing. I can't for...
by MotoTrojan
Sat Nov 17, 2018 8:59 pm
Forum: Investing - Theory, News & General
Topic: Investing idea--what am I missing?
Replies: 13
Views: 1343

Re: Investing idea--what am I missing?

Newbie here: I'm an early-middle-age investor (age 40) with a high salary (appx 250K) I don't expect to necessarily be able to maintain forever and am treating as a windfall rather than a reason to upgrade my lifestyle. I have been hoarding my cash for the past few years and now plan to start inves...
by MotoTrojan
Sat Nov 17, 2018 4:42 pm
Forum: Investing - Help with Personal Investments
Topic: If the market is this high, does it make sense to invest a large sum of money?
Replies: 38
Views: 3299

Re: If the market is this high, does it make sense to invest a large sum of money?

Lump sum every dollar you invest. Why did you have $30K presumably in cash in your Roth? Sounds like you missed on a 6+ years of great returns.
by MotoTrojan
Sat Nov 17, 2018 2:47 pm
Forum: Investing - Help with Personal Investments
Topic: Should I invest now
Replies: 9
Views: 848

Re: Should I invest now

I want to get rid of my current fee based advisors and invest my retirement savings in Vanguard funds. Is now a good time to do that given where markets are at? I am about 2 years away from retirement, so would keep some money back in cash in case of an immediate market drop You are currently inves...
by MotoTrojan
Sat Nov 17, 2018 2:38 pm
Forum: Investing - Help with Personal Investments
Topic: Is it 'Market Timing' (i.e., Bad) to Have an Investment Plan Where You Increase Stock Allocation if Market Declines?
Replies: 25
Views: 2449

Re: Is it 'Market Timing' (i.e., Bad) to Have an Investment Plan Where You Increase Stock Allocation if Market Declines?

It’s called rebalancing, you naturally buy more stocks in a downturn. After the crash you’ll be at 100/0; when do you go back to 80/20? Also why are you using a price weighted index of 30 companies. Use PE ratio or something more meaningful on a proper index like the S&P500. Just stick to 80/20. Bon...
by MotoTrojan
Fri Nov 16, 2018 4:03 pm
Forum: Investing - Help with Personal Investments
Topic: Can I purchase individual stocks in my Vanguard Rollover IRA?
Replies: 7
Views: 652

Re: Can I purchase individual stocks in my Vanguard Rollover IRA?

Trading fees as noted, also you won't have the option to tax-loss harvest into a different company in the same sector, which some people like to do.
by MotoTrojan
Tue Nov 13, 2018 3:15 pm
Forum: Investing - Help with Personal Investments
Topic: Approximate Total Stock Market
Replies: 5
Views: 549

Re: Approximate Total Stock Market

Id frankly just use SP500. Close enough.
by MotoTrojan
Tue Nov 13, 2018 11:08 am
Forum: Personal Finance (Not Investing)
Topic: Salary vs Equity at a startup
Replies: 15
Views: 1457

Re: Salary vs Equity at a startup

I left a large startup that was buying back my equity for a brand new moonshot company. I biased towards more salary to try and maintain the same income I was making from the previous companies equity, but my new equity would still be 7-figures with any reasonable amount of success (I took half of w...
by MotoTrojan
Tue Nov 13, 2018 11:03 am
Forum: Investing - Help with Personal Investments
Topic: TLH at Schwab- IXUS & VXUS
Replies: 5
Views: 363

Re: TLH at Schwab- IXUS & VXUS

Did this at VG the other day. In my eyes, nowhere near being a wash. Broker definitely won’t flag it either.
by MotoTrojan
Tue Nov 13, 2018 11:02 am
Forum: Investing - Help with Personal Investments
Topic: 401K Retirement Catch Up Year, Maybe???
Replies: 5
Views: 355

Re: 401K Retirement Catch Up Year, Maybe???

opticyellow wrote:
Tue Nov 13, 2018 11:01 am
Might be a stupid question, but does the IRS define calendar year as 1/1/19-12/31/19??
Yes.
by MotoTrojan
Mon Nov 12, 2018 11:31 pm
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 3013
Views: 591443

Re: What's Your Credit Card Rewards Strategy?

Recently got into churning and found a pretty good deal that isn't super well advertised. Combining the power of the Wells Fargo Propel and Signature cards gets you 4.5% back on dining, gas, and travel, if used through the Signature card's travel portal. Nice sign-up bonuses too. I have the Propel n...
by MotoTrojan
Mon Nov 12, 2018 9:43 pm
Forum: Investing - Help with Personal Investments
Topic: Small business (5 employees) 401k - cheapest options
Replies: 14
Views: 976

Re: Small business (5 employees) 401k - cheapest options

niceguy7376 wrote:
Mon Nov 12, 2018 4:44 pm
OP,
Who does your payroll?
Look at guideline for small business 401k.

if you do payroll with Gusto, then the 401k option costs $8/month per participant with $40 minimum with a $500 setup and both payroll and 401k is integrated.
+1 for guideline. Vanguard funds at cost plus a little DFA.
by MotoTrojan
Mon Nov 12, 2018 8:39 pm
Forum: Investing - Help with Personal Investments
Topic: Should we drop our manager, for 4-fund portfolio?
Replies: 61
Views: 5439

Re: Should we drop our manager, for 4-fund portfolio?

REITs in taxable...? You aren’t getting your monies worth. I’d setup your own tax-efficient and simplified portfolio over time, to avoid any large near-term tax hits.
by MotoTrojan
Sun Nov 11, 2018 7:04 pm
Forum: Investing - Help with Personal Investments
Topic: no 401K future employment
Replies: 3
Views: 393

Re: no 401K future employment

Hi, I am planning to move to a new hospital employer. I currently max out on 401K with 10% employer contribution of my base salary. We also maximally contribute to backdoor Roth and invest in taxable account. My total gross income should be up by close to 50% initially with potential for more subse...
by MotoTrojan
Fri Nov 09, 2018 3:29 pm
Forum: Investing - Theory, News & General
Topic: Take taxes into account when rebalancing?
Replies: 44
Views: 2247

Re: Take taxes into account when rebalancing?

Do you expect to pay your marginal tax rate on your 401k/IRA pre-tax savings? Ideally you would not. I've toyed with this but I ignore it, especially given that I am 100% equity so the expected growth of different assets isn't huge. I also keep a balance naturally in my various accounts, except I pr...
by MotoTrojan
Thu Nov 08, 2018 4:45 pm
Forum: Investing - Help with Personal Investments
Topic: difference going long on a leveraged etf and short on its inverse?
Replies: 14
Views: 976

Re: difference going long on a leveraged etf and short on its inverse?

Also you are not getting the expense ratio paid to you so no shorting a high ER fund isn’t helping. Whoever holds the share is paying that ER. An inverse s and p leveraged fund. With a high ER of 2% I assume it will just be 2% lower in price after a year. Since I'm shorting that stock I can buy it ...
by MotoTrojan
Thu Nov 08, 2018 3:05 pm
Forum: Investing - Help with Personal Investments
Topic: I made a wash sale, can I fix it?
Replies: 5
Views: 665

Re: I made a wash sale, can I fix it?

You can sell the replacement shares today. +1 Sell the shares purchased today and buy something that is not substantially identical (perhaps a Total International fund?). You still will have a wash sale, but the effects may be mitigated if the share price does not change much between today and when...
by MotoTrojan
Thu Nov 08, 2018 10:47 am
Forum: Investing - Help with Personal Investments
Topic: Nervous Investor desiring dividend income
Replies: 7
Views: 727

Re: Nervous Investor desiring dividend income

Research before buying any individual stocks. Take a close look at GE; yikes, enjoy that 1c dividend. In short, dividends aren’t magic money. I’d suggest a fund-of-finds such as a Lifestrategy or Target retirement product. If you want more tax-efficiency then build your own 3-fund to fine tune bond ...
by MotoTrojan
Thu Nov 08, 2018 10:45 am
Forum: Investing - Help with Personal Investments
Topic: Help - Expect to inherit relatively large sum
Replies: 12
Views: 2152

Re: Help - Expect to inherit relatively large sum

Sorry for your loss. Your basis will be stepped up in taxable, thus I would suggest you sell everything in both accounts as soon as you receive them. No need to maintain the potentially inefficient allocation you inherit.
by MotoTrojan
Thu Nov 08, 2018 10:28 am
Forum: Investing - Help with Personal Investments
Topic: Panic set in... now what?
Replies: 63
Views: 10954

Re: Panic set in... now what?

Once I’ve reached my goal, I will not own stock/equity Until I do, aggressive allocation with 50% of my take home pay invested monthly - should work out in 20 years If it doesn’t, we have bigger problems in this work than asset allocation Very interested to hear more. Are you planning to work/save/...
by MotoTrojan
Thu Nov 08, 2018 10:27 am
Forum: Investing - Help with Personal Investments
Topic: difference going long on a leveraged etf and short on its inverse?
Replies: 14
Views: 976

Re: difference going long on a leveraged etf and short on its inverse?

Also you are not getting the expense ratio paid to you so no shorting a high ER fund isn’t helping. Whoever holds the share is paying that ER.
by MotoTrojan
Wed Nov 07, 2018 7:04 pm
Forum: Personal Consumer Issues
Topic: College graduation gift amount
Replies: 25
Views: 1784

Re: College graduation gift amount

What is a typical cash gift for your child's BS? Thanks in advance! I agree if you paid for college or supported that a cash gift may not make that much sense. Maybe a trip or other experience to help them kick off their independence. If you were well-to-do and wanted to support them in general, an...
by MotoTrojan
Wed Nov 07, 2018 1:57 pm
Forum: Investing - Help with Personal Investments
Topic: Employer 401k lackluster options
Replies: 10
Views: 529

Re: Employer 401k lackluster options

3-fund is right there for you. Why no international?
by MotoTrojan
Tue Nov 06, 2018 6:24 pm
Forum: Personal Consumer Issues
Topic: Need ideas for unusual gifts for preteen boy
Replies: 27
Views: 1687

Re: Need ideas for unusual gifts for preteen boy

I agree with the idea to gift a trip or something to be utilized together. Some of my best memories with my father fell into this category, although it was I that picked the gift. Also anything that can boost their interest in an applicable field to their career is always good. My father set the sta...
by MotoTrojan
Tue Nov 06, 2018 6:20 pm
Forum: Personal Finance (Not Investing)
Topic: Never thought of living in Bay Area but just got a call from Tesla
Replies: 72
Views: 7455

Re: Never thought of living in Bay Area but just got a call from Tesla

Work-life balance will be a big risk. Financial compensation would have to be enough that 2-3 years working there and then returning to your old home/job-type would be worthwhile, along with the experience. I don't consider this a stock-option lottery; they are not a start-up anymore so I would just...
by MotoTrojan
Tue Nov 06, 2018 10:31 am
Forum: Investing - Theory, News & General
Topic: Investments with zero yield
Replies: 41
Views: 3502

Re: Investments with zero yield

https://www.bogleheads.org/forum/viewtopic.php?t=169573 There are accumulating funds in Europe; I have always wondered why no such products exist in the US. Not only would some advanced investors such as this group prefer them, but the less advanced ones would be drawn to their market destroying re...
by MotoTrojan
Tue Nov 06, 2018 10:30 am
Forum: Investing - Help with Personal Investments
Topic: Too Mid Cap Heavy in My Small Cap Funds--Best Alternative
Replies: 16
Views: 1180

Re: Too Mid Cap Heavy in My Small Cap Funds--Best Alternative

Trading volume for VIOO is too thin, IJR is much more liquid. When facing this question I opted for IJR. Trading volume is not an indicator of liquidity for index ETFs. The lower cost of IJR is a good reason to choose it: average daily volume is not. This thread is kind of winding, but it covers th...
by MotoTrojan
Tue Nov 06, 2018 10:29 am
Forum: Investing - Help with Personal Investments
Topic: Percentage of small-caps in an aggressive portfolio
Replies: 17
Views: 929

Re: Percentage of small-caps in an aggressive portfolio

55% Total US, 20% S&P600 Value here. Rest is International without a tilt but domestically that’s a decent sized one.
by MotoTrojan
Tue Nov 06, 2018 1:02 am
Forum: Investing - Help with Personal Investments
Topic: Too Mid Cap Heavy in My Small Cap Funds--Best Alternative
Replies: 16
Views: 1180

Re: Too Mid Cap Heavy in My Small Cap Funds--Best Alternative

Trading volume for VIOO is too thin, IJR is much more liquid. When facing this question I opted for IJR. Trading volume is not an indicator of liquidity for index ETFs. The lower cost of IJR is a good reason to choose it: average daily volume is not. This thread is kind of winding, but it covers th...
by MotoTrojan
Tue Nov 06, 2018 12:55 am
Forum: Investing - Theory, News & General
Topic: Investments with zero yield
Replies: 41
Views: 3502

Re: Investments with zero yield

https://www.bogleheads.org/forum/viewtopic.php?t=169573 There are accumulating funds in Europe; I have always wondered why no such products exist in the US. Not only would some advanced investors such as this group prefer them, but the less advanced ones would be drawn to their market destroying ret...
by MotoTrojan
Tue Nov 06, 2018 12:44 am
Forum: Investing - Help with Personal Investments
Topic: Uniform Gift to Minor-How to Invest
Replies: 5
Views: 468

Re: Uniform Gift to Minor-How to Invest

In this craptastic tech market? I'd say no if it was my son. Even if you like the current tech heavy market I'd still convert it to a good Life Strategy/Target Date type of fund for simplicity and get him socking money into it. At his age he needs to not think about it at all and just save money/ A...
by MotoTrojan
Tue Nov 06, 2018 12:43 am
Forum: Investing - Help with Personal Investments
Topic: 401K Allocation % - Target Date 2040 Fund vs Custom selection
Replies: 6
Views: 764

Re: 401K Allocation % - Target Date 2040 Fund vs Custom selection

Hi Duckie, Thanks for the reply and suggestions. My 401K TRP2040 plan expense ratios are 0.38% gross. Another question is my employer matches 100% at 3% contribution, 50% match on 4% and 5% contribution. So essentially 4% at 100% match. I am currently contributing 7% to 401K and just set a ROTH IRA...