Search found 314 matches

by MotoTrojan
Wed May 24, 2017 11:07 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard Growth (VIGAX) in taxable account?
Replies: 6
Views: 517

Re: Vanguard Growth (VIGAX) in taxable account?

jafcorrea wrote:got my CA refund .. :beer

advantage in adding a new fund?
or just send $ to VTSAX

Any thoughts on this?


If you want a new fund (only have VTSAX), go VTIAX.
by MotoTrojan
Wed May 24, 2017 9:53 am
Forum: Investing - Help with Personal Investments
Topic: Do I need to add small and mid cap?
Replies: 10
Views: 967

Re: Do I need to add small and mid cap?

One exercise you should do is to plot some charts (see how to use Morningstar growth charts )and form an opinion for yourself on "how much difference is there between the S&P 500 and the total market?" I'll give you my personal opinion but it's much more important that you do it for y...
by MotoTrojan
Tue May 23, 2017 11:44 pm
Forum: Investing - Help with Personal Investments
Topic: Is withdrawing money from Vanguard Market Fund taxable?
Replies: 3
Views: 443

Re: Is withdrawing money from Vanguard Market Fund taxable?

ray333 wrote:It's only $4,500 ... better to just invest ?


Fairly vague question. $4500 might be a lot to some or 10% of other's daily fluctuations. If you've got a good emergency fund and no big purchases coming up, invest away at your AA.
by MotoTrojan
Tue May 23, 2017 7:27 pm
Forum: Investing - Help with Personal Investments
Topic: Best 401k for small companies?
Replies: 7
Views: 406

Re: Best 401k for small companies?

I see people all the time on here saying they have a "Vanguard" or a "Fidelity" 401k plan and why are the investment options so expensive. Don't fall into the trap. Most of these plans are run by an investment advisor or Third Party Administrator. Vanguard, Fidlelity, etc... are...
by MotoTrojan
Tue May 23, 2017 4:52 pm
Forum: Investing - Help with Personal Investments
Topic: Best 401k for small companies?
Replies: 7
Views: 406

Best 401k for small companies?

Considering reaching out to a few 401k providers to see what costs would be associated with setting up a 401k at my office (currently ~15 people, likely to be under 40 for the next 4-5 years). Vanguard the way to go? What sort of costs/hassle would be incurred by my company that I should look out fo...
by MotoTrojan
Sat May 20, 2017 10:00 am
Forum: Investing - Help with Personal Investments
Topic: Fidelity changed my AAPL to re-invest dividends, now I have a fraction of a share
Replies: 13
Views: 1031

Re: Fidelity changed my AAPL to re-invest dividends, now I have a fraction of a share

With Vanguard at least, you can consolidate the dividend into another tax lot by selling a whole share amount, then selecting the non-whole lot and a larger lot. Will consume the lonely dividend specid and then make the larger lot fractional.
by MotoTrojan
Sat May 20, 2017 9:47 am
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 3511
Views: 905823

Re: U.S. stocks in freefall

That was a rough one but I rode it out and didn't sell. :mrgreen: :sharebeer At which point would you sell? Hopefully never , though retired I'm still in the accumulation phase. I feel for those who need their investments to pay the bills. [emphasis added] Say what!? I've rarely seen such a condesc...
by MotoTrojan
Fri May 19, 2017 6:59 pm
Forum: Investing - Theory, News & General
Topic: 'Diversification, Adaptation, and Stock Market Valuation'
Replies: 1
Views: 236

'Diversification, Adaptation, and Stock Market Valuation'

http://www.philosophicaleconomics.com/2017/04/diversification-adaptation-and-stock-market-valuation/ I found this articles method of looking at the risk-premium of stocks to bonds, and small-caps to total-market, pretty interesting. Uses a lotto-share approach to explain how indexing increases your...
by MotoTrojan
Fri May 19, 2017 6:45 pm
Forum: Investing - Help with Personal Investments
Topic: Any advice on investing 200k, short term 1 yr?
Replies: 12
Views: 1435

Re: Any advice on investing 200k, short term 1 yr?

CD. Maybe a 2-3 year CD with a removal penalty that would still maintain more value than a 1.5-2 year CD.
by MotoTrojan
Thu May 18, 2017 2:11 pm
Forum: Investing - Help with Personal Investments
Topic: Vangaurd ETF Live NAV?
Replies: 17
Views: 427

Re: Vangaurd ETF Live NAV?

triceratop wrote:Unfortunately, as investors in VSS know, it is not how large the AUM grows but how much volume grows in determining future transaction costs.


Good point, but they are strongly correlated, especially if the AUM growth is due to new investors rather than share purchases.
by MotoTrojan
Thu May 18, 2017 1:48 pm
Forum: Investing - Help with Personal Investments
Topic: Vangaurd ETF Live NAV?
Replies: 17
Views: 427

Re: Vangaurd ETF Live NAV?

True, IJS comes with a commission at some places. One could also move to a brokerage with no commissions. There is some value to the flexibility that gives one in executing an asset allocation. I like Merrill Edge, and despite my paranoia that BoA is trying to screw me over with fine-print fees at ...
by MotoTrojan
Thu May 18, 2017 1:18 pm
Forum: Investing - Help with Personal Investments
Topic: Vangaurd ETF Live NAV?
Replies: 17
Views: 427

Re: Vangaurd ETF Live NAV?

If one needed liquidity during a particular market event one could buy IJS to avoid paying a large spread. Sometimes VIOV trades at much tighter spreads, particularly typically near the close, so at any future point you could exchange and hold VIOV indefinitely for the lower expense ratio. Of cours...
by MotoTrojan
Thu May 18, 2017 1:10 pm
Forum: Investing - Help with Personal Investments
Topic: Vangaurd ETF Live NAV?
Replies: 17
Views: 427

Re: Vangaurd ETF Live NAV?

My belief is that the bid/ask spread is worth a great deal in knowing how much you're possibly losing in a transaction. I have the same belief. But is the NAV always between Bid & Ask? It was my understanding that it is sometimes outside of it and that is the scenario I am curious how to detect...
by MotoTrojan
Thu May 18, 2017 12:54 pm
Forum: Investing - Help with Personal Investments
Topic: Vangaurd ETF Live NAV?
Replies: 17
Views: 427

Re: Vangaurd ETF Live NAV?

My belief is that the bid/ask spread is worth a great deal in knowing how much you're possibly losing in a transaction. I have the same belief. But is the NAV always between Bid & Ask? It was my understanding that it is sometimes outside of it and that is the scenario I am curious how to detect...
by MotoTrojan
Thu May 18, 2017 12:46 pm
Forum: Investing - Help with Personal Investments
Topic: Millenial getting into the game: asset allocation
Replies: 18
Views: 1221

Re: Millenial getting into the game: asset allocation

Taking into account what everyone's said, I figure the following allocation (90/10 stocks/bonds) is better? 60% domestic stocks index (VTSAX) 30% international stocks index (VTIAX) 10% total bond market fund (VBMFX) Still kind of undecided on whether to leave out bonds entirely and add them in a fe...
by MotoTrojan
Thu May 18, 2017 11:07 am
Forum: Investing - Help with Personal Investments
Topic: Vangaurd ETF Live NAV?
Replies: 17
Views: 427

Vangaurd ETF Live NAV?

Am I missing something, or is there not a way to compare Bid-Ask pricing live to determine if there is a premium or discount?
by MotoTrojan
Thu May 18, 2017 10:52 am
Forum: Investing - Help with Personal Investments
Topic: 100% VTSAX need advice
Replies: 63
Views: 6184

Re: 100% VTSAX need advice

The markets do always recover, even though it can take them years to do so. However, you could indeed lose a big part of your portfolio if you panic and sell when stocks are tanking, thinking that they will tank further. . Japan. Also with dividends out of the picture (I understand that isn't the f...
by MotoTrojan
Thu May 18, 2017 10:44 am
Forum: Investing - Help with Personal Investments
Topic: Millenial getting into the game: asset allocation
Replies: 18
Views: 1221

Re: Millenial getting into the game: asset allocation

@dbr and MotoTrojan: Thanks for the answers! A few followup questions: Trading costs - is there a significant difference between various brokerage accounts (TD, Scottrade, Schwab, etc.)? Does opening an account with a particular one provide a fee advantage? Dividends - since I will be in very low t...
by MotoTrojan
Thu May 18, 2017 9:45 am
Forum: Investing - Help with Personal Investments
Topic: Millenial getting into the game: asset allocation
Replies: 18
Views: 1221

Re: Millenial getting into the game: asset allocation

Thanks all for the advice. @Pajamas: For gold/commodities I was under the impression they protect against inflation. Does this not outweigh the potential disadvantages? Valid point on the children and spare time issue. Automation definitely helps in this regard, though of course increases the start...
by MotoTrojan
Thu May 18, 2017 8:06 am
Forum: Investing - Help with Personal Investments
Topic: 100% VTSAX need advice
Replies: 63
Views: 6184

Re: 100% VTSAX need advice

As one of the feedback, I receive from this post that Bogle is not recommending an International stock, what is another reason to buy it? Here is the link to the interview. http://www.morningstar.com/cover/videoc ... ?id=718644 His company recently increased allocation of International stocks (stil...
by MotoTrojan
Thu May 18, 2017 7:38 am
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 3511
Views: 905823

Re: U.S. stocks in freefall

rhornback wrote:But still, will it be a big mac or a hamburger day?


I enjoyed that part of the HBO documentary "honey I'll take $3.17 today"... But I must say, if you haven't tried a McDouble w/ Macsauce yet, you haven't lived! All the flavor (and more) of a Big Mac, for less than 1/3 the price 8-) .
by MotoTrojan
Wed May 17, 2017 9:06 pm
Forum: Personal Finance (Not Investing)
Topic: Nothing else to do investment wise!
Replies: 23
Views: 3296

Re: Nothing else to do investment wise!

Now that we are finally invested in bogglehead style with a three fund portfolio and everything on auto investing, I feel like I need to do something about my portfolio. I understand that tinkering with a set allocation and IPS is dangerous so I always retreat. What else you do in a situation like ...
by MotoTrojan
Wed May 17, 2017 9:04 pm
Forum: Investing - Help with Personal Investments
Topic: Millenial getting into the game: asset allocation
Replies: 18
Views: 1221

Re: Millenial getting into the game: asset allocation

I started out with a big long portfolio like that, but quickly whittled it down to 3-funds; simplicity is key. 20% REIT and especially 15% commodity is just odd, especially at your age, and will hurt growth. You'd be better off with a 2 or 3-fund TSM/Total Int. Or perhaps just do a Target Retirement...
by MotoTrojan
Wed May 17, 2017 5:15 pm
Forum: Investing - Help with Personal Investments
Topic: Time to Execute: From Cash to Funding Asset Allocations
Replies: 8
Views: 676

Re: Time to Execute: From Cash to Funding Asset Allocations

Are you investing in a Total International fund as well? May help you sleep better to hold 20-30% (of equity portion) in a much better valued, and still very diverse asset class. etc.... Also I assume you have a healthy emergency-fund in a high-yield (Ally or similar) savings account? MotoTrojan: I...
by MotoTrojan
Wed May 17, 2017 3:16 pm
Forum: Investing - Help with Personal Investments
Topic: Tilting/Factors: My Conclusions (Challenges welcome)
Replies: 48
Views: 2569

Re: Tilting/Factors: My Conclusions (Challenges welcome)

Personally, for U.S. I like using a combination of an SP500 fund (not a TSM fund) and either VBR (tax-advantaged) or IJS (taxable). Using SP500 rather than TSM allows you to dodge the dreaded small cap growth blackhole a little easier (or if you like, you can think of this as getting a cheap but ef...
by MotoTrojan
Wed May 17, 2017 3:04 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 3511
Views: 905823

Re: U.S. stocks in freefall

TWO days ago I called Vanguard to correct my asset allocation It was 27.2 % stocks, 72.8% bonds As I receive Social Security and Pension this pays for my house bills + other things. I never withdraw from my IRA except RMD'S which i re invest in a taxable most of the time. I'm 80 years old in June 2...
by MotoTrojan
Wed May 17, 2017 2:43 pm
Forum: Investing - Help with Personal Investments
Topic: Tilting/Factors: My Conclusions (Challenges welcome)
Replies: 48
Views: 2569

Re: Tilting/Factors: My Conclusions (Challenges welcome)

Personally, for U.S. I like using a combination of an SP500 fund (not a TSM fund) and either VBR (tax-advantaged) or IJS (taxable). Using SP500 rather than TSM allows you to dodge the dreaded small cap growth blackhole a little easier (or if you like, you can think of this as getting a cheap but ef...
by MotoTrojan
Wed May 17, 2017 2:01 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 3511
Views: 905823

Re: U.S. stocks in freefall

livesoft wrote:
MotoTrojan wrote:
livesoft wrote:Public Service Announcement: A few things are having a RBD, such as IWN, IWM


VIOV/IJS as well. Too bad I bought a share yesterday. Maybe I'll grab some more.

No, VIOV, IJS are not a having a RBD yet as I type this.


Remind me where the rules are again? 2.46% vs. 2.52%....
by MotoTrojan
Wed May 17, 2017 1:56 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 3511
Views: 905823

Re: U.S. stocks in freefall

livesoft wrote:Public Service Announcement: A few things are having a RBD, such as IWN, IWM


VIOV/IJS as well. Too bad I bought a share yesterday. Maybe I'll grab some more.
by MotoTrojan
Wed May 17, 2017 1:45 pm
Forum: Investing - Help with Personal Investments
Topic: Tilting/Factors: My Conclusions (Challenges welcome)
Replies: 48
Views: 2569

Re: Tilting/Factors: My Conclusions (Challenges welcome)

Trader/Investor wrote:I have always been a big believer in tilting and factors but not as portrayed by the academics. I tilt where the momentum factor is. I can't imagine where I would be now financially had I not tilted towards the momentum of tech/small cap growth in the 90s.


Did you sell before the crash?
by MotoTrojan
Wed May 17, 2017 10:04 am
Forum: Investing - Help with Personal Investments
Topic: Tilting/Factors: My Conclusions (Challenges welcome)
Replies: 48
Views: 2569

Re: Tilting/Factors: My Conclusions (Challenges welcome)

Can someone give specifics as to what a SFV tilted portfolio will look like? Specifically, what exactly index ETFs would you carry above and beyond the usual vanguard total stock market/bonds/international mix? As in, I want the ticker symbol(s). thanks... SCV? VBR is a popular one but follows an i...
by MotoTrojan
Wed May 17, 2017 9:16 am
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 3511
Views: 905823

Re: U.S. stocks in freefall

livesoft wrote:
Uncle Pennybags wrote:I knew it this is it; sell, sell, sell. :shock:

What? You didn't rebalance out of equities yesterday? Somebody did and posted about it.


Crap I went 100% triple leveraged S&P500 yesterday!!!
by MotoTrojan
Wed May 17, 2017 9:07 am
Forum: Investing - Help with Personal Investments
Topic: Tilting/Factors: My Conclusions (Challenges welcome)
Replies: 48
Views: 2569

Re: Tilting/Factors: My Conclusions (Challenges welcome)

I wouldn't do it if you are not committed to it. That said, you can do it in a low-cost way, a tax-efficient way, a simple way with no more funds than any other DIY approach, and so on. If you really want to, you can use tools like Portfolio Visualizer to fine-tune your factor exposure. So I don't ...
by MotoTrojan
Tue May 16, 2017 10:04 pm
Forum: Investing - Help with Personal Investments
Topic: Retire Early?? Need a sense check
Replies: 41
Views: 6932

Re: Retire Early?? Need a sense check

' Approx. Location: US Stocks – 100% Taxable account International – 9.5% Taxable account; 90.5% Tax Advantaged account Bonds – 35% Taxable account ; 65% Tax Advantaged account Small Cap – 100% Tax Advantaged account Real Estate – 100% Taxable Account I assume by Real Estate you mean a REIT fund li...
by MotoTrojan
Tue May 16, 2017 8:52 pm
Forum: Investing - Help with Personal Investments
Topic: Tilting/Factors: My Conclusions (Challenges welcome)
Replies: 48
Views: 2569

Re: Tilting/Factors: My Conclusions (Challenges welcome)

Also, small cap value has been every bit as tax efficient as total stock market index over time (see IJS/VIOV) if you choose one with a significant enough tilt. +1, one of the reasons I went with VIOV, although it was mainly my preference of the smaller S&P600 index (Vanguards fund is really a ...
by MotoTrojan
Tue May 16, 2017 8:49 pm
Forum: Investing - Help with Personal Investments
Topic: 100% VTSAX need advice
Replies: 63
Views: 6184

Re: 100% VTSAX need advice

US Markets are highly overvalued so You state this like it is a fact not merely your opinion. Apologies, lets try again. In my opinion, indexes are most easily evaluated based on the ratio between price and earnings, as that is what is being paid for with buy-and-hold. Based on past year earnings, ...
by MotoTrojan
Tue May 16, 2017 6:29 pm
Forum: Investing - Help with Personal Investments
Topic: 100% VTSAX need advice
Replies: 63
Views: 6184

Re: 100% VTSAX need advice

I'm 47 years old and planning to move all my investments (approximately 950,000 US dollars) to VTSAX. I have tried Dividend Growth investing and I think I can sleep better by doing index fund. DGI is consuming a lot of my time. JLCollins in his book recommended a mix of VTSAX an VBLTX. Since I'm pl...
by MotoTrojan
Tue May 16, 2017 6:03 pm
Forum: Investing - Help with Personal Investments
Topic: Help investing inheritance
Replies: 12
Views: 882

Re: Help investing inheritance

Also I have 3 separate loans. I just checked them again and one is $8,145 with a 3.53% interest rate. Another $6,223 and $16,940 both with 6.125% interest. Pay all of these off. The 6%, as mentioned above, is a no brainer. 6% is a great investment return, and anyone out there would take that for li...
by MotoTrojan
Tue May 16, 2017 5:58 pm
Forum: Investing - Help with Personal Investments
Topic: Should I Invest in My Company's 401K Even Though I Might Leave in A Few Months?
Replies: 7
Views: 542

Re: Should I Invest in My Company's 401K Even Though I Might Leave in A Few Months?

How much money can you invest in your retirement accounts? If it's greater then $5.5k, I would recommend investing in your company's 401k to maximize your usage of tax-advantaged accounts. If your company's 401k has a good selection of funds, that's all the more reason to contribute. To follow the ...
by MotoTrojan
Tue May 16, 2017 5:55 pm
Forum: Investing - Help with Personal Investments
Topic: Time to Execute: From Cash to Funding Asset Allocations
Replies: 8
Views: 676

Re: Time to Execute: From Cash to Funding Asset Allocations

Are you investing in a Total International fund as well? May help you sleep better to hold 20-30% (of equity portion) in a much better valued, and still very diverse asset class. I don't think there is anything wrong with putting 50% in and DCA'ing the rest. It is purely an emotional thing, you have...
by MotoTrojan
Sun May 14, 2017 2:18 pm
Forum: Investing - Theory, News & General
Topic: Rob Arnott [buy emerging market equities vs. US stocks]
Replies: 40
Views: 2935

Re: Rob Arnott [buy emerging market equities vs. US stocks]

The floating AA ranges mentioned above is interesting. Big risk with adjusting AA to market conditions is that it sets up habits of market timing. Best to just set something you're comfortable with and let it ride for life.
by MotoTrojan
Sat May 13, 2017 7:06 pm
Forum: Investing - Help with Personal Investments
Topic: 100% Total International (0% US equity) for new investor?
Replies: 36
Views: 2377

Re: 100% Total International (0% US equity) for new investor?

50/50 is more international than the majority of this forum. Make that your lifetime equity allocation and let it ride.
by MotoTrojan
Fri May 12, 2017 7:41 pm
Forum: Investing - Help with Personal Investments
Topic: Play-money Investment Simulator?
Replies: 11
Views: 894

Re: Play-money Investment Simulator?

My sincere hope is that you crash-and-burn with the simulator. If you are successful with the simulator then you are liable to think that it's easy and put a bunch of real money into your "strategy". Buy-and-hold for life. I get plenty of a high from buying a share of VTI or rebalancing. ...
by MotoTrojan
Fri May 12, 2017 1:48 pm
Forum: Investing - Help with Personal Investments
Topic: Play-money Investment Simulator?
Replies: 11
Views: 894

Re: Play-money Investment Simulator?

Any good ones out there? Would like to play around with some non-bogle techniques such as options, and short-term trading :twisted: . Not a good idea; you will just pick up gambling tendencies and tie that with your investments. The thing I am still trying to improve is transaction minimization and...
by MotoTrojan
Fri May 12, 2017 8:58 am
Forum: Investing - Help with Personal Investments
Topic: Play-money Investment Simulator?
Replies: 11
Views: 894

Re: Play-money Investment Simulator?

Any good ones out there? Would like to play around with some non-bogle techniques such as options, and short-term trading :twisted: . Not a good idea; you will just pick up gambling tendencies and tie that with your investments. The thing I am still trying to improve is transaction minimization and...
by MotoTrojan
Thu May 11, 2017 7:38 pm
Forum: Investing - Help with Personal Investments
Topic: Play-money Investment Simulator?
Replies: 11
Views: 894

Re: Play-money Investment Simulator?

TDAmeritrade has Papermoney, which uses the ThinkorSwim platform to trade stocks, options, and futures. https://www.thinkorswim.com/t/pm-registration.html . I've had an account for years, but I see its currently only for a 60 day free trial. https://www.thinkorswim.com/t/pm-registration.html Market...
by MotoTrojan
Thu May 11, 2017 6:51 pm
Forum: Investing - Help with Personal Investments
Topic: Play-money Investment Simulator?
Replies: 11
Views: 894

Re: Play-money Investment Simulator?

MarketWatch has a good one. We had a class contest in one of my grad school classes. We all started with 100k in play money and invested however we wanted to over the course of the semester. Awesome thanks! I'll check that out. I actually found that OptionHouse (ETrades low-cost options trading pla...
by MotoTrojan
Thu May 11, 2017 6:15 pm
Forum: Investing - Help with Personal Investments
Topic: Play-money Investment Simulator?
Replies: 11
Views: 894

Play-money Investment Simulator?

Any good ones out there? Would like to play around with some non-bogle techniques such as options, and short-term trading :twisted: .
by MotoTrojan
Thu May 11, 2017 9:08 am
Forum: Investing - Help with Personal Investments
Topic: Assisting Parents (82 and 78)
Replies: 17
Views: 1795

Re: Assisting Parents (82 and 78)

The stock market must be up; people are recommending equities to people in their 80s. In 2009, people were recommending no stocks to people in their 20s. Between 1999 and 2009 there was a 10 year period in which equities lost money; it can happen again. The rule of thumb used to be, don't put any m...
by MotoTrojan
Thu May 11, 2017 8:32 am
Forum: Investing - Help with Personal Investments
Topic: Assisting Parents (82 and 78)
Replies: 17
Views: 1795

Re: Assisting Parents (82 and 78)

I don't think we want an SPIA at this point in their lives. Also, they already have an annuity. Some form of shorter Bond ETFs seem to provide a nice balance of safety and additional income while allowing them to SWAN. It is still a balance of protecting your spending power though. Short term you'l...

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