Search found 1611 matches

by MotoTrojan
Thu Jun 21, 2018 3:21 pm
Forum: Investing - Theory, News & General
Topic: Small-cap exposure in VBR, ie CRSP small-cap value index fund
Replies: 17
Views: 987

Re: Small-cap exposure in VBR, ie CRSP small-cap value index fund

Given that IJS is not less than half as big, this is a good example of how median can mislead. 54% of VBR's holdings have market caps above $2 billion. For IJS, the number is only 20%. 83% of the value of VBR is invested in stocks with market caps over $2 billion. For IJS, it is only 36%. The weigh...
by MotoTrojan
Thu Jun 21, 2018 1:37 pm
Forum: Investing - Theory, News & General
Topic: Small-cap exposure in VBR, ie CRSP small-cap value index fund
Replies: 17
Views: 987

Re: Small-cap exposure in VBR, ie CRSP small-cap value index fund

I did a comparison of VBR with IJS a S&P Small-Cap Value index fund to see the difference. Ironically I've spent a lot of time in the last two days doing the same thing. I own both but prefer the IJS. I would like to replace the Vangaurd fund with another Vanguard fund that has smaller cap but it l...
by MotoTrojan
Thu Jun 21, 2018 9:38 am
Forum: Investing - Help with Personal Investments
Topic: "Never time the market" vs. lump sum investment
Replies: 43
Views: 1416

Re: "Never time the market" vs. lump sum investment

100% seems like a bad idea to me. But I’d lump sum. If you had $3M in a 401K accumulated over 35 years would you move to money market and wait for a crash every few years? Of course not. Every day you leave it invested is a day you choose to lump sum it. Emotionally it feels different but in practic...
by MotoTrojan
Thu Jun 21, 2018 1:00 am
Forum: Investing - Help with Personal Investments
Topic: Bar Mitzvah Money Investing Ideas
Replies: 13
Views: 875

Re: Bar Mitzvah Money Investing Ideas

Does he have earned income? If so, max out a Roth. I'd consider a 90/10 3-fund portfolio. He doesn't really need the bonds IMHO (I'd put this money towards retirement personally, and he can use cashflow in 10-15 years for whatever this could possibly buy) but it'll help teach about rebalancing more ...
by MotoTrojan
Wed Jun 20, 2018 8:28 pm
Forum: Personal Consumer Issues
Topic: How much car to buy reasonably?
Replies: 84
Views: 4453

Re: How much car to buy reasonably?

Lexus RC350 or LC500.
by MotoTrojan
Wed Jun 20, 2018 7:36 pm
Forum: Investing - Help with Personal Investments
Topic: Selling Amazon?
Replies: 17
Views: 1164

Re: Selling Amazon?

I think you’d be hard pressed to find anyone that thinks Amazon won’t dominate, but that’s already priced in. Companies that do exceptionally well in market cap growth didn’t do better than other companies, they do better than they were expected to. At 2% you aren’t even that far off from the amount...
by MotoTrojan
Wed Jun 20, 2018 7:30 pm
Forum: Investing - Help with Personal Investments
Topic: Taxable Investment Help
Replies: 19
Views: 1463

Re: Taxable Investment Help

You can put the money in VTSAX and when you sell it you can sell some bonds in your tax deferred account and buy VTSAX there. This. Although if you prefer holding a balanced fund of similar I wouldn’t fret too much. You aren’t paying any more tax per dollar gained than you are in your 1.6% savings/...
by MotoTrojan
Wed Jun 20, 2018 6:30 pm
Forum: Investing - Help with Personal Investments
Topic: Can I break the tape in 5 years?????
Replies: 24
Views: 2671

Re: Can I break the tape in 5 years?????

Dear Bogleheads: First off, what a wonderful website and community for financial advice. I have learned a lot here and want to come out of the lurking shadows. A current post that I was reading makes me think about my own ability to retire in five years especially since our situation is very simila...
by MotoTrojan
Wed Jun 20, 2018 6:29 pm
Forum: Personal Finance (Not Investing)
Topic: Taxes for buy fund from selling other funds?
Replies: 9
Views: 369

Re: Taxes for buy fund from selling other funds?

In my portfolio, I have some Vanguard 500 index Fund and some TOTAL STOCK MARKET ETF. I want to switch to Total stock market Fund and Total international stock market fund Admiral shares. Do I pay taxes (income or capital gains) just like selling the fund and ETF? Or I don't have pay tax because I ...
by MotoTrojan
Wed Jun 20, 2018 5:25 pm
Forum: Investing - Help with Personal Investments
Topic: Target Date Fund in Taxable / Large Unrealized Gain Question
Replies: 11
Views: 662

Re: Target Date Fund in Taxable / Large Unrealized Gain Question

Thanks everyone for the replies. One more question I had, and one of the main drivers for this, is the dividend and capital gains. Aren't they taxes as ordinary income because of the bonds that are held? I don't fully understand that aspect of a target date fund, but I remember reading that overall...
by MotoTrojan
Wed Jun 20, 2018 3:10 pm
Forum: Investing - Help with Personal Investments
Topic: Evaluate my finances. Young guy.
Replies: 96
Views: 13427

Re: Evaluate my finances. Young guy.

As an update: I am glad I didn't listen to anyone about having lots of debt. Right now, my debt is completely manageable that it would take a 85% market crash for me to become insolvent and get margin calls. I am considering increasing margin debt but interest rates are a little high... Assets: $61...
by MotoTrojan
Wed Jun 20, 2018 2:13 pm
Forum: Investing - Help with Personal Investments
Topic: Can I break the tape in 5 years?????
Replies: 24
Views: 2671

Re: Can I break the tape in 5 years?????

Dear Bogleheads: First off, what a wonderful website and community for financial advice. I have learned a lot here and want to come out of the lurking shadows. A current post that I was reading makes me think about my own ability to retire in five years especially since our situation is very simila...
by MotoTrojan
Wed Jun 20, 2018 12:57 pm
Forum: Personal Finance (Not Investing)
Topic: Is the first 100k really the hardest?
Replies: 128
Views: 37401

Re: Is the first 100k really the hardest?

Topic-starter mentioned that he reached $100.000 in investments before reaching a $100.000 net worth. I'm a Dave Ramsey-fan and balk at the idea. Am I alone in that? I thought an emergency fund is common practice here? Low interest auto-loan or mortgage would cause that. Nothing unconventional in m...
by MotoTrojan
Wed Jun 20, 2018 12:46 am
Forum: Investing - Help with Personal Investments
Topic: Advice on using a wealth manager or financial advisor?
Replies: 43
Views: 4226

Re: Advice on using a wealth manager or financial advisor?

Vanguard PAS. Prevents you from getting locked into tax inefficient high fee junk for the next chapter of this story.
by MotoTrojan
Tue Jun 19, 2018 2:28 pm
Forum: Investing - Help with Personal Investments
Topic: rsu & iso [Restricted Stock Unit & Incentive Stock Option]
Replies: 12
Views: 713

Re: rsu & iso [Restricted Stock Unit & Incentive Stock Option]

I think the ISO debate depends on a lot on the situation. Are you the first employee at a start-up with a 4 figure total strike cost and a 7 figure upside, or are you at a public company... This is especially true if you are able to early-exercise (83b) your ISOs at strike price (no AMT implications...
by MotoTrojan
Tue Jun 19, 2018 1:27 pm
Forum: Investing - Help with Personal Investments
Topic: Asset Allocation for a 26 year old?
Replies: 15
Views: 1261

Re: Asset Allocation for a 26 year old?

Also 26 myself. I'd simplify if it were me but your portfolio overall is just fine, IF you can stick with it (will 5-10 years of awful emerging markets performance make you change?). I'm at 55% Total US, 20% Domestic Small-value (S&P600), 25% International. Easier to manage than 5 funds and similar ...
by MotoTrojan
Mon Jun 18, 2018 6:29 pm
Forum: Investing - Theory, News & General
Topic: Very confused with the current market
Replies: 93
Views: 8263

Re: Very confused with the current market

Interesting thread the OP started 5 years ago... https://www.bogleheads.org/forum/viewtopic.php?f=1&t=115916&p=1687411#p1687411 I have to wonder when the OP was ever certain about the market? Sadly, it is why too many fall into the "average investor" returns that the orange column shows below in th...
by MotoTrojan
Mon Jun 18, 2018 11:35 am
Forum: Investing - Help with Personal Investments
Topic: rsu & iso [Restricted Stock Unit & Incentive Stock Option]
Replies: 12
Views: 713

Re: rsu & iso [Restricted Stock Unit & Incentive Stock Option]

Agree with above warning to be cautious with AMT. With the new tax law there is some breathing room but I generally aim to avoid exercising enough to activate AMT. If you hold them for 2 years after grant and 1 year after exercise then yes you’ll pay LTCG on full amount of gain beyond strike price, ...
by MotoTrojan
Mon Jun 18, 2018 11:30 am
Forum: Investing - Theory, News & General
Topic: Very confused with the current market
Replies: 93
Views: 8263

Re: Very confused with the current market

I'm betting the market will go down and up. http://www.savingadvice.com/forums/picture.php?albumid=188&pictureid=421 I see what you saying. But investing is not gambling. No one can time it 100% of the time. It could loose 20% in one day and rebound 25% the next day. Being through 2000 dot come bus...
by MotoTrojan
Mon Jun 18, 2018 11:29 am
Forum: Investing - Help with Personal Investments
Topic: Having a hard time pulling the trigger...
Replies: 25
Views: 2353

Re: Having a hard time pulling the trigger...

If you have no tIRA assets currently, read up on a back-door Roth.

Got any International exposure?

If you’re concerned, I’d invest it all now and maintain your 70/30 allocation.
by MotoTrojan
Sun Jun 17, 2018 10:27 pm
Forum: Investing - Help with Personal Investments
Topic: Young and rich
Replies: 33
Views: 5121

Re: Young and rich

Momus wrote:
Sun Jun 17, 2018 9:49 pm

$1M at 4% withdrawal rate, guarantee you, 40k/yr income.
Pre-tax.
by MotoTrojan
Sun Jun 17, 2018 9:43 pm
Forum: Investing - Help with Personal Investments
Topic: move out of bonds into money market and online savings
Replies: 19
Views: 2727

Re: move out of bonds into money market and online savings

I pulled out of the vanguard total bond index and now have treasuries and cds,looking back I'm glad I did! I only wish I did it sooner but it was a learning experience,after things settle down in the interest rates I'm moving back in. Good luck! How will you know when things settle down? Right now ...
by MotoTrojan
Sun Jun 17, 2018 9:35 pm
Forum: Investing - Help with Personal Investments
Topic: Young and rich
Replies: 33
Views: 5121

Re: Young and rich

After tax this $1M will likely generate <$30K a year for life safely. You are not yet rich, but you have a great start, especially if your expenses are low and you don’t let this increase them. As others have said there are many factors but somewhere in the 50/50-75/25 stock/bond would be appropriat...
by MotoTrojan
Sun Jun 17, 2018 9:00 pm
Forum: Investing - Help with Personal Investments
Topic: Small Cap Fund.
Replies: 4
Views: 454

Re: Small Cap Fund.

I use the S&P600 Small Value index to hopefully get the small-value premium for 20% of my portfolio (27% of US). I feel that my timeline is long enough to benefit from the added risk, and gain from even a 1% outperformance (resulting in a 0.2% overall annual improvement). Honestly though, it is diff...
by MotoTrojan
Sun Jun 17, 2018 4:28 pm
Forum: Investing - Help with Personal Investments
Topic: Adding U.S. Growth Fund Investor Shares (VWUSX) to portfolio
Replies: 11
Views: 865

Re: Adding U.S. Growth Fund Investor Shares (VWUSX) to portfolio

Historically the value index has outperformed but nobody knows what’s next. I think purchasing a fund because of recent performance is a poor choice but if you are going to go that route I’d make a slightly more drastic tilt via the S&P Tech sector or the NASDAQ, perhaps 10-20% of equity; that is th...
by MotoTrojan
Sun Jun 17, 2018 3:10 pm
Forum: Investing - Theory, News & General
Topic: Approximating total stock market
Replies: 22
Views: 1782

Re: Approximating total stock market

Depends on the index but I’d say in general 80/20 is the right ratio but the 20 should be small, not mid. This is especially true with Vanguard CRSP funds; that “small” is more like 50/50 mid/small compared to the Russell 2000 or S&P600/400. If the goal is to match Vanguard Total Stock Market using...
by MotoTrojan
Sat Jun 16, 2018 8:44 pm
Forum: Investing - Help with Personal Investments
Topic: Using Wellesley Fund as a bond alternative
Replies: 18
Views: 2209

Re: Using Wellesley Fund as a bond alternative

Also keep in mind it’s awfully tax-inefficient. For a riskier EF it isn’t awful but I wouldn’t use it as a major taxable holding.
by MotoTrojan
Sat Jun 16, 2018 8:42 pm
Forum: Investing - Help with Personal Investments
Topic: Lost and confused (bonds in taxable or not?)
Replies: 2
Views: 400

Re: Lost and confused (bonds in taxable or not?)

I won’t comment on the bonds (curious others thoughts) but I believe I’ve read that Total US vs. Total Int is a wash. Yes Int has the foreign tax credit, but it also has a larger dividend yield (currently) which offsets with a slight tax-drag. I avoid this debate by being 100% equity but I’m curious...
by MotoTrojan
Sat Jun 16, 2018 8:39 pm
Forum: Investing - Theory, News & General
Topic: Approximating total stock market
Replies: 22
Views: 1782

Re: Approximating total stock market

You can get a 99.8% match with 80% large/20% mid cap. Theoretically, 80% large/15% mid/5% small would be a slightly closer match. Depends on the index but I’d say in general 80/20 is the right ratio but the 20 should be small, not mid. This is especially true with Vanguard CRSP funds; that “small” ...
by MotoTrojan
Sat Jun 16, 2018 8:17 pm
Forum: Investing - Help with Personal Investments
Topic: Last 10 years Stock market Returns - for benchmarking
Replies: 3
Views: 382

Re: Last 10 years Stock market Returns - for benchmarking

I'm new to investing. When I check any stock/index/ETFs average annual returns charts, I see that past 10 years was really good for stock market after the recession. So technically most of the securities show higher positive (+) returns from the past 10 years. But when we look at the returns rate f...
by MotoTrojan
Sat Jun 16, 2018 6:29 pm
Forum: Investing - Theory, News & General
Topic: Larry Swedroe: Rediscovering The Size Effect
Replies: 36
Views: 3478

Re: Larry Swedroe: Rediscovering The Size Effect

How about a real life example. (you guy's are kind of talking above my head...) I read all of Paul Merrimans articles & agree with his statement that a 1/2% or 1% can change your life. With that in mind I changed my Roth IRA to 100% Vanguard Small Cap Value Fund (VSIAX). My broker account is 100% V...
by MotoTrojan
Sat Jun 16, 2018 5:57 pm
Forum: Investing - Theory, News & General
Topic: Am I "market timing"?
Replies: 37
Views: 1858

Re: Am I "market timing"?

If earnings growth continues will you increase your AA? Forward P/E is quite reasonable on S&P500. No, I will not. Half my net worth right now is in directly owned real estate, and I plan to continue purchasing multiple properties per year for the next several years due to the superior overall retu...
by MotoTrojan
Sat Jun 16, 2018 5:55 pm
Forum: Investing - Help with Personal Investments
Topic: 100% of international developed to small/mid?
Replies: 11
Views: 1044

Re: 100% of international developed to small/mid?

I’ve considered it for my 25% Total International exposure but I think I’ll just add a small tilt someday, like I do with US. As livesoft stated, correlations aren’t the full story; although I’m curious how much of the difference is currency related.
by MotoTrojan
Sat Jun 16, 2018 12:36 pm
Forum: Investing - Theory, News & General
Topic: Am I "market timing"?
Replies: 37
Views: 1858

Re: Am I "market timing"?

You could be wrong? Doesn't sound like you are 100% convinced then. I guess we have different definitions of 100% convinced. :) The problem with market timing - even people who think they are certain about something have a tendency to waiver. ;) LOL, yes indeed! This board wouldn’t exist otherwise,...
by MotoTrojan
Sat Jun 16, 2018 12:33 pm
Forum: Investing - Theory, News & General
Topic: A different theoretical view of SWR
Replies: 63
Views: 3664

Re: A different theoretical view of SWR

To me this works best on shorter time periods as it gets overly conservative for longer durations.

What portfolio makeup would go best with this? TIPs?
by MotoTrojan
Fri Jun 15, 2018 9:35 pm
Forum: Investing - Help with Personal Investments
Topic: VYM ETF Fund VS 3 or 4 fund portfolio.
Replies: 3
Views: 391

Re: VYM ETF Fund VS 3 or 4 fund portfolio.

I discovered VYM today and compared to my managed portfolio at Vanguard, it has performed better. A single fund with impressive results https://www.fool.com/investing/2018/01/09/better-buy-vanguard-high-dividend-yield-etf-vs-spd.aspx This is a domestic equity fund. Did it beat a 100% Total US Marke...
by MotoTrojan
Fri Jun 15, 2018 7:08 pm
Forum: Investing - Theory, News & General
Topic: Am I "market timing"?
Replies: 37
Views: 1858

Re: Am I "market timing"?

mortfree wrote:
Fri Jun 15, 2018 7:06 pm
I buy VTI when it goes below $140.

It is market timing and I like it.
Why?
by MotoTrojan
Fri Jun 15, 2018 7:07 pm
Forum: Investing - Theory, News & General
Topic: Am I "market timing"?
Replies: 37
Views: 1858

Re: Am I "market timing"?

You are market timing because you did not invest the money as soon as you had it available to invest. This. I invest Roth/taxable as soon as I can, and 401k obviously comes as soon as possible as it comes from my paycheck. I will admit though that I’ve dipped into cushion, savings, EF (backed up by...
by MotoTrojan
Fri Jun 15, 2018 7:01 pm
Forum: Personal Consumer Issues
Topic: Private Sale test drive
Replies: 13
Views: 1199

Re: Private Sale test drive

Cash in hand would probably be my conservative filter. If higher end car, maybe a cashiers check we get together at bank.

FWIW Carmax is usually higher than dealers (but lower than private sale). Easy appraisal process with low pressure to follow through.
by MotoTrojan
Fri Jun 15, 2018 10:53 am
Forum: Investing - Help with Personal Investments
Topic: Individual stocks in a traditional IRA
Replies: 5
Views: 369

Re: Individual stocks in a traditional IRA

As long as your overall asset allocation (stock/bond) is met by this target fund and any other assets, that is the smart move.
by MotoTrojan
Fri Jun 15, 2018 8:40 am
Forum: Personal Finance (Not Investing)
Topic: can we afford to spend $20K on travel annually
Replies: 89
Views: 6602

Re: can we afford to spend $20K on travel annually

What is this other savings account getting 4-9%?
by MotoTrojan
Thu Jun 14, 2018 11:08 pm
Forum: Investing - Theory, News & General
Topic: Factor-based strategy is better (winer), OK. then who are the losers?
Replies: 55
Views: 2475

Re: Factor-based strategy is better (winer), OK. then who are the losers?

Lastly, and most importantly, what makes you think people have not? The small and value premiums have fallen. They may not exist anymore. I think investors have figured out this aberration and have now fully exploited it. That is what I am thinking. After more investors find out this, more will loa...
by MotoTrojan
Thu Jun 14, 2018 11:04 pm
Forum: Investing - Help with Personal Investments
Topic: Russell 2000 Opinions
Replies: 8
Views: 643

Re: Russell 2000 Opinions

Do you have a Roth? I’d use VIOV there and skip the 401k. S&P600 has the smaller median cap like the Russell (compared with Vanguards preferred CRSP) but has the S&P’s quality/earnings screen. Return has been far better as a result.
by MotoTrojan
Thu Jun 14, 2018 11:02 pm
Forum: Investing - Help with Personal Investments
Topic: Seeking mid-cap and or small-cap Vanguard Funds
Replies: 7
Views: 593

Re: Seeking mid-cap and or small-cap Vanguard Funds

I'm not sure what you mean. Vanguard is known for index funds, so why not just use them? Mid-cap index. Small-cap index. Extended market index. And don't forget VFSVX / VSS the foreign small-cap index. It seems that all of the aforementioned funds have a five rating suggesting they are very aggress...
by MotoTrojan
Thu Jun 14, 2018 5:33 pm
Forum: Investing - Help with Personal Investments
Topic: Roth Re-characterization an Opportunity to Re-examine American Funds
Replies: 8
Views: 431

Re: Roth Re-characterization an Opportunity to Re-examine American Funds

So I can back door the ROTH contributions that I am recharacterizing to a Traditional back into a ROTH? This seems dumb on the government's part. I guess I will have to pay some taxes on the growth that's occurred this year, correct? So I need to get this recharacterization done ASAP because everyd...
by MotoTrojan
Thu Jun 14, 2018 2:49 pm
Forum: Investing - Theory, News & General
Topic: Factor-based strategy is better (winer), OK. then who are the losers?
Replies: 55
Views: 2475

Re: Factor-based strategy is better (winer), OK. then who are the losers?

People buying growth funds/stocks in the case of value factor. This is a weird question for me. If the guy who invests 100% Netflix is the winner, who is the loser?
by MotoTrojan
Thu Jun 14, 2018 1:55 pm
Forum: Investing - Theory, News & General
Topic: Is the Dow Jones Industrial Average a useful metric?
Replies: 27
Views: 1183

Re: Is the Dow Jones Industrial Average a useful metric?

Smorgasbord wrote:
Thu Jun 14, 2018 11:57 am
I would also add that, in my opinion, reporting the SP500 isn't useful at least 95% of the time.
What is?
by MotoTrojan
Thu Jun 14, 2018 1:02 pm
Forum: Personal Consumer Issues
Topic: Non-alcoholic drinks for wedding
Replies: 79
Views: 3554

Re: Non-alcoholic drinks for wedding

Italian soda station with various flavored syrups.
by MotoTrojan
Thu Jun 14, 2018 11:37 am
Forum: Investing - Help with Personal Investments
Topic: calculator to get to desire $$$
Replies: 18
Views: 1298

Re: calculator to get to desire $$$

This is all you need, but over a 6 year span depending on your AA you could be looking at anything from a 50% loss to more than doubling your money.
by MotoTrojan
Thu Jun 14, 2018 11:36 am
Forum: Personal Finance (Not Investing)
Topic: I was rear ended and the other guy wants a payout!
Replies: 106
Views: 8856

Re: I was rear ended and the other guy wants a payout!

Not sure what your deductible is but I would never file for an $800 repair. Even if it is not at fault, I have found it can drive up rates (especially if you switch companies). I had a comprehensive claim for someone that broke into an old convertible. $1000 deductible, $2000 repair. I took the $100...