Search found 20 matches

by MotoTrojan
Sat Feb 18, 2017 3:44 pm
Forum: Investing - Help with Personal Investments
Topic: New to investing (25 yr/old). Diverse Vanguard Portfolio? Overlaps I am missing?
Replies: 47
Views: 1949

Re: New to investing (25 yr/old). Diverse Vanguard Portfolio? Overlaps I am missing?

Thanks all. After a bit more digging, this is what I am thinking: Taxable: 40% VTI Total Market 20% VXUS Total Int. (includes small-caps, dig that) Roth: 10% VTV Large-cap Value 10% VB Small-cap Blend (low expense, some mids) 15% VIOV Small-cap Value (higher expense but I like the smaller median) 5%...
by MotoTrojan
Fri Feb 17, 2017 9:09 pm
Forum: Investing - Help with Personal Investments
Topic: Teaching Teenagers to Invest - any ideas?
Replies: 5
Views: 320

Re: Teaching Teenagers to Invest - any ideas?

Just a thought, but a powerful idea for me... One thing that can seem less appealing about investing, especially index funds, is that the yearly returns don't SEEM that exciting (even 10% is meh... I could spend it now and have a blast!). Obviously this is extreme, but my favorite analogy for compou...
by MotoTrojan
Fri Feb 17, 2017 6:35 pm
Forum: Investing - Help with Personal Investments
Topic: New to investing (25 yr/old). Diverse Vanguard Portfolio? Overlaps I am missing?
Replies: 47
Views: 1949

Re: New to investing (25 yr/old). Diverse Vanguard Portfolio? Overlaps I am missing?

I'm thinking I should get the Roth while I can, as I would expect my gross to go up (if not in cash, hopefully in taxable income on option grants). Then I can get tax-deferred retirement savings going with a 401K down the road, assuming we get one or I am at another/larger company. Could you even g...
by MotoTrojan
Fri Feb 17, 2017 4:45 pm
Forum: Investing - Help with Personal Investments
Topic: New to investing (25 yr/old). Diverse Vanguard Portfolio? Overlaps I am missing?
Replies: 47
Views: 1949

Re: New to investing (25 yr/old). Diverse Vanguard Portfolio? Overlaps I am missing?

I'm thinking I should get the Roth while I can, as I would expect my gross to go up (if not in cash, hopefully in taxable income on option grants). Then I can get tax-deferred retirement savings going with a 401K down the road, assuming we get one or I am at another/larger company. Could you even g...
by MotoTrojan
Fri Feb 17, 2017 4:30 pm
Forum: Investing - Help with Personal Investments
Topic: New to investing (25 yr/old). Diverse Vanguard Portfolio? Overlaps I am missing?
Replies: 47
Views: 1949

Re: New to investing (25 yr/old). Diverse Vanguard Portfolio? Overlaps I am missing?

No 401K offered at current gig. With that info, does a Roth not make sense? Since you are young and it is a safe assumption that your income will be going up, I would say Roth still makes sense but it's not a slam dunk. It would be good to have some of both. It is odd that you make 100k but your co...
by MotoTrojan
Fri Feb 17, 2017 3:18 pm
Forum: Investing - Help with Personal Investments
Topic: New to investing (25 yr/old). Diverse Vanguard Portfolio? Overlaps I am missing?
Replies: 47
Views: 1949

Re: New to investing (25 yr/old). Diverse Vanguard Portfolio? Overlaps I am missing?

Very cool. I'm having a blast picking up knowledge from online resources and helpful people like yourself, so it is much appreciated. Piecing together my revised excel document with the global allocations and reduced fund quantity, and ready to get to work filling it up $! Final step is a little res...
by MotoTrojan
Fri Feb 17, 2017 2:07 pm
Forum: Investing - Help with Personal Investments
Topic: New to investing (25 yr/old). Diverse Vanguard Portfolio? Overlaps I am missing?
Replies: 47
Views: 1949

Re: New to investing (25 yr/old). Diverse Vanguard Portfolio? Overlaps I am missing?

20% seems like a fairly substantial allocation difference for just establishing a habit, but I see your point. I don't foresee a situation where I would pull back on any of my equity purchases, but more so would start incrementally adding bonds as I get older. Say I deposit $1500/month in the portfo...
by MotoTrojan
Fri Feb 17, 2017 1:03 pm
Forum: Investing - Help with Personal Investments
Topic: New to investing (25 yr/old). Diverse Vanguard Portfolio? Overlaps I am missing?
Replies: 47
Views: 1949

Re: New to investing (25 yr/old). Diverse Vanguard Portfolio? Overlaps I am missing?

In terms of re-allocating my account and not having any major IRS implications... I am safe as long as I sell assets for a gain, correct? Since I'll be down-selecting specific funds for asset classes, I of course want to avoid a wash-sale. If so, I'll start moving things around with limit sales to e...
by MotoTrojan
Fri Feb 17, 2017 12:39 pm
Forum: Investing - Help with Personal Investments
Topic: New to investing (25 yr/old). Diverse Vanguard Portfolio? Overlaps I am missing?
Replies: 47
Views: 1949

Re: New to investing (25 yr/old). Diverse Vanguard Portfolio? Overlaps I am missing?

Bonds are out for now. Will play around with this on Morningstar X-ray once I pick specific funds for each category, but I think its roughly what I had in mind and will balance well between the two accounts. When would you add bonds to your plan? This would be something I would begin researching as...
by MotoTrojan
Fri Feb 17, 2017 11:59 am
Forum: Investing - Help with Personal Investments
Topic: New to investing (25 yr/old). Diverse Vanguard Portfolio? Overlaps I am missing?
Replies: 47
Views: 1949

Re: New to investing (25 yr/old). Diverse Vanguard Portfolio? Overlaps I am missing?

Thanks all, this is great! I had tried to post a reply but looks like it didn't take. With my risk tolerance, I still like the idea of tilting towards smalls and some values, and am confident that once I am locked in (lots of funds, or any losses) I will be able to stay the course. Tossing together ...
by MotoTrojan
Thu Feb 16, 2017 11:44 pm
Forum: Investing - Help with Personal Investments
Topic: New to investing (25 yr/old). Diverse Vanguard Portfolio? Overlaps I am missing?
Replies: 47
Views: 1949

Re: New to investing (25 yr/old). Diverse Vanguard Portfolio? Overlaps I am missing?

Thanks Brandon. All great info. I still want to go a step above the 3-fund portfolio, but I have definitely taken this all to heart and will make some big changes/cuts to trim both portfolios down big-time. I will also setup my fund spreadsheet to use a global allocation rather than separate for eac...
by MotoTrojan
Thu Feb 16, 2017 6:21 pm
Forum: Investing - Help with Personal Investments
Topic: New to investing (25 yr/old). Diverse Vanguard Portfolio? Overlaps I am missing?
Replies: 47
Views: 1949

Re: New to investing (25 yr/old). Diverse Vanguard Portfolio? Overlaps I am missing?

Also, with asset classes split between the two accounts, what is the best way to handle allocation? For example, if I focus on large-cap in taxable, which will be a larger fund by ~3X (due to $5500 limit), would that mean my Roth IRA would slowly get dominated by Small/Mid-cap stocks, in order to ma...
by MotoTrojan
Thu Feb 16, 2017 5:45 pm
Forum: Investing - Help with Personal Investments
Topic: New to investing (25 yr/old). Diverse Vanguard Portfolio? Overlaps I am missing?
Replies: 47
Views: 1949

Re: New to investing (25 yr/old). Diverse Vanguard Portfolio? Overlaps I am missing?

Thanks. The idea of tax efficiency with long-term held assets hadn't really crossed my mind as much. Is this as much of an issue with ETFs? Where exactly are these added tax costs realized in an ETF? I think I'll scrap the bonds all together for now. I could simplify taxable with mostly S&P500, ...
by MotoTrojan
Thu Feb 16, 2017 5:20 pm
Forum: Investing - Help with Personal Investments
Topic: New to investing (25 yr/old). Diverse Vanguard Portfolio? Overlaps I am missing?
Replies: 47
Views: 1949

Re: New to investing (25 yr/old). Diverse Vanguard Portfolio? Overlaps I am missing?

$3600 was my calculated limit for 2016 income. Had some equity counted against it; $105K gross is moving forward.
by MotoTrojan
Thu Feb 16, 2017 4:09 pm
Forum: Investing - Help with Personal Investments
Topic: New to investing (25 yr/old). Diverse Vanguard Portfolio? Overlaps I am missing?
Replies: 47
Views: 1949

Re: New to investing (25 yr/old). Diverse Vanguard Portfolio? Overlaps I am missing?

What type of costs? Free transactions through Vanguard, so until I have $10K per fund it is actually far cheaper than Mutual Funds I thought. Hasn't been difficult to do transactions thus far, but something to consider. Also, where are the best resources to learn about evaluating funds? P/E ratios, ...
by MotoTrojan
Thu Feb 16, 2017 3:48 pm
Forum: Investing - Help with Personal Investments
Topic: New to investing (25 yr/old). Diverse Vanguard Portfolio? Overlaps I am missing?
Replies: 47
Views: 1949

Re: New to investing (25 yr/old). Diverse Vanguard Portfolio? Overlaps I am missing?

That makes sense. You do call this a modest tilt though, and it was my understanding that this was a pretty substantial tilt towards Small-cap relative to the total market. Also as to allocation duplication, this was done with the understanding that I would probably pull some of the taxable funds ou...
by MotoTrojan
Thu Feb 16, 2017 1:33 pm
Forum: Investing - Help with Personal Investments
Topic: New to investing (25 yr/old). Diverse Vanguard Portfolio? Overlaps I am missing?
Replies: 47
Views: 1949

Re: New to investing (25 yr/old). Diverse Vanguard Portfolio? Overlaps I am missing?

Alrighty, so if I tidy things up a bit and try to stay consistent with the funds, how does this summary table look (will pick exact funds for unlisted cap specifications)? I thought it made sense to balance small-cap value and blend within each account since they have different horizons, but I wasn'...
by MotoTrojan
Thu Feb 16, 2017 8:35 am
Forum: Investing - Help with Personal Investments
Topic: New to investing (25 yr/old). Diverse Vanguard Portfolio? Overlaps I am missing?
Replies: 47
Views: 1949

Re: New to investing (25 yr/old). Diverse Vanguard Portfolio? Overlaps I am missing?

Thanks all! Yes you're correct I am looking to tilt small/mid cap and Value. In terms of complexity, is there something I am missing down the road documentations wise, because I really don't see myself having too much trouble keeping this tidy as-is; I put together a simple Excel sheet with desired ...
by MotoTrojan
Thu Feb 16, 2017 1:20 am
Forum: Investing - Help with Personal Investments
Topic: New to investing (25 yr/old). Diverse Vanguard Portfolio? Overlaps I am missing?
Replies: 47
Views: 1949

New to investing (25 yr/old). Diverse Vanguard Portfolio? Overlaps I am missing?

After a decent pay raise (new company) I have decided to finally getting into investing some earnings (never contributed to 401K, but paid taxes to acquire full quantity of some stock awards in past). Had a Betterment account for a few days before realizing I could handle this on my own. Also have a...

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