Search found 103 matches

by MotoTrojan
Tue Mar 28, 2017 1:44 pm
Forum: Investing - Help with Personal Investments
Topic: risk of my Tesla deposit
Replies: 138
Views: 9596

Re: risk of my Tesla deposit

Elon actually tweeted that 2wd will ship first, not the loaded cars.
by MotoTrojan
Tue Mar 28, 2017 1:07 am
Forum: Investing - Help with Personal Investments
Topic: Where to put small cap value fund in portfolio
Replies: 21
Views: 1549

Re: Where to put small cap value fund in portfolio

I think 25% seems like a reasonable number. What would that be as a total portfolio percentage? I've been considering on changing my overall allocation to 50% domestic equities, 25% international equities, and 25% bonds. If I do that, I would split my domestic equities 70% TSM/VINIX / 30% SCV. Usin...
by MotoTrojan
Tue Mar 28, 2017 1:04 am
Forum: Investing - Help with Personal Investments
Topic: Mid-Term investing?
Replies: 4
Views: 292

Re: Mid-Term investing?

Hey guys, I'm currently 26 and making pretty good money. I want to start investing for things like a house, kid's college, or whatever large purchases I might want in the future that I won't need for another 7-20 or so years. I'm wondering what your thoughts are on putting most, if not all of it, i...
by MotoTrojan
Mon Mar 27, 2017 5:08 pm
Forum: Investing - Help with Personal Investments
Topic: Where to put small cap value fund in portfolio
Replies: 21
Views: 1549

Re: Where to put small cap value fund in portfolio

VIOV/IJS are ideal for taxable accounts, as they're equally or more tax-efficient than TSM. At your tax bracket, the lower yield will probably make them a better choice than the regular Small Cap Value shares, but it won't make that much difference. However, for overall construction, I much prefer ...
by MotoTrojan
Mon Mar 27, 2017 12:38 am
Forum: Investing - Help with Personal Investments
Topic: Where to put small cap value fund in portfolio
Replies: 21
Views: 1549

Re: Where to put small cap value fund in portfolio

VIOV/IJS are ideal for taxable accounts, as they're equally or more tax-efficient than TSM. At your tax bracket, the lower yield will probably make them a better choice than the regular Small Cap Value shares, but it won't make that much difference. However, for overall construction, I much prefer ...
by MotoTrojan
Mon Mar 27, 2017 12:33 am
Forum: Investing - Help with Personal Investments
Topic: Where to put small cap value fund in portfolio
Replies: 21
Views: 1549

Re: Where to put small cap value fund in portfolio

Over the long haul, is the difference in expense ratios between the two funds (0.08% vs. 0.2%) also something to consider? Always something to consider, but the added risk of Small-value is being accepted because we expect it to outperform TSM by a good bit more than 0.12%, and thus I see it as mor...
by MotoTrojan
Mon Mar 27, 2017 12:20 am
Forum: Investing - Help with Personal Investments
Topic: Use Roth IRA for investment in private start-up LLC?
Replies: 2
Views: 186

Re: Use Roth IRA for investment in private start-up LLC?

Hard to say much without knowing the specifics, but if it were me, I would probably hedge my bet and use taxable assets/cash for the investment. The opportunity cost of that $100K growing tax-free in your Roth over the next 10, 20, 30 years is pretty substantial, and if the company flops you'll have...
by MotoTrojan
Sun Mar 26, 2017 10:39 pm
Forum: Investing - Theory, News & General
Topic: Spring 2017: Russell 1000 Value vs. Russell 1000 Growth
Replies: 16
Views: 706

Re: Spring 2017: Russell 1000 Value vs. Russell 1000 Growth

aegis965 wrote:Rick Ferri: Splitting Growth And Value Leads To A Worse Return
https://portfoliosolutions.com/latest-l ... rse-return


Nice find! Specifically cites info on Russell 1000 split too.
by MotoTrojan
Sun Mar 26, 2017 10:36 pm
Forum: Investing - Help with Personal Investments
Topic: Reallocating retirement investment: wait or makes no difference?
Replies: 11
Views: 726

Re: Reallocating retirement investment: wait or makes no difference?

+1 to all the concerns with this plan overall. Go Total Stock Market, or tilt 20-50% Small-value. Also research different funds; Vanguards Small-cap series is actually more of a 50/50 Mid/Small-cap fund. I went VIOV (S&P 600 Small-cap Value) which is about half the median size, made up of mostly...
by MotoTrojan
Sun Mar 26, 2017 9:55 pm
Forum: Investing - Theory, News & General
Topic: Spring 2017: Russell 1000 Value vs. Russell 1000 Growth
Replies: 16
Views: 706

Re: Spring 2017: Russell 1000 Value vs. Russell 1000 Growth

S17C wrote:I will reallocate to a balance of Growth & Value. Hold long-term.

Thank you for the discussion in this thread.


Russell 1000 Blend is the ideal balance, why hold both?
by MotoTrojan
Sun Mar 26, 2017 9:54 pm
Forum: Investing - Help with Personal Investments
Topic: Where to put small cap value fund in portfolio
Replies: 21
Views: 1549

Re: Where to put small cap value fund in portfolio

+1 to all the suggestions to consider the S&P 600 Small-cap Value (VIOV ETF at Vanguard). Main drawback of an ETF is you can't setup automatic deposits, and you will need to get comfortable buying them during the trading day via Market or Limit (limit is safer if market is moving) orders. VIOV i...
by MotoTrojan
Sun Mar 26, 2017 9:43 pm
Forum: Investing - Theory, News & General
Topic: Spring 2017: Russell 1000 Value vs. Russell 1000 Growth
Replies: 16
Views: 706

Re: Spring 2017: Russell 1000 Value vs. Russell 1000 Growth

I appreciate the replies. I will reallocate a percentage of my 100% Growth into Russell 1000 Value, and then forget about it for 10-15 years. Thank you. Just invest in the overall Russell 1000 Blend (both Value & Growth) and forget about it, makes no sense to hold 60/40 Value/Growth in my eyes,...
by MotoTrojan
Sat Mar 25, 2017 5:55 pm
Forum: Investing - Help with Personal Investments
Topic: How should I evaluate these Vanguard funds?
Replies: 14
Views: 1141

Re: How should I evaluate these Vanguard funds?

Go for the Total Market. If you want to throw some portion to higher risk higher reward funds, consider a tilt such as Small Value; no reason to get even more large cap when Total market is 80% large. I tilt 20% of equity to VIOV, which is Vanguard's S&P 600 Small value fund. Pricier than their ...
by MotoTrojan
Sat Mar 25, 2017 5:48 pm
Forum: Investing - Help with Personal Investments
Topic: Help my portfolio is messy
Replies: 30
Views: 2428

Re: Help my portfolio is messy

When doing AA do you use market value of the securities you own already or use the cost basis? Use the value on the day you are looking. Should I balance all my accounts, ie Roths IRA, 401ks and taxable as one collective portfolio instead of balancing each on their own? I suspect the right way is t...
by MotoTrojan
Sat Mar 25, 2017 4:39 pm
Forum: Investing - Help with Personal Investments
Topic: 3 fund portfolio vs. all-in-one fund
Replies: 28
Views: 2887

Re: 3 fund portfolio vs. all-in-one fund

The target funds are pretty high on international allocation, far more than Bogle recommends. You could probably get away with only holding Total US Market vanguard fund in taxable, which is extremely tax efficient and cheap. Would dilute the arguably high international allocation and then if you wa...
by MotoTrojan
Fri Mar 24, 2017 3:34 pm
Forum: Investing - Help with Personal Investments
Topic: Tax Loss Harvesting with Automated Contributions (401k, HSA, Etc) Logistics
Replies: 20
Views: 909

Re: Tax Loss Harvesting with Automated Contributions (401k, HSA, Etc) Logistics

sco, If you can only hold one fund in the taxable account and your goal is TLH, you should keep your small cap fund in the taxable account. It is most volatile and most likely to generate TLH opportunity. KlangFool Good point.... I could hold more than one, I had just been focused on TSM I guess. T...
by MotoTrojan
Fri Mar 24, 2017 12:38 pm
Forum: Investing - Help with Personal Investments
Topic: Close taxable account?
Replies: 15
Views: 914

Re: Close taxable account?

Essentially, you would sell all of the taxable account and then add the capital gains (which you estimated at $7000 (current value less initial cost AND all subsequent taxable dividends or reinvestment)) to your taxable income for this year. The capital gains tax rate is lower than normal income, a...
by MotoTrojan
Fri Mar 24, 2017 12:35 pm
Forum: Investing - Help with Personal Investments
Topic: Total Stock Market Admiral in both taxable and IRA?
Replies: 22
Views: 1619

Re: Total Stock Market Admiral in both taxable and IRA?

It's not a no-no. However, there's one catch you need to know about. One of the benefits of a having a taxable account is that you're able to tax-loss harvest. If you're going to tax-loss harvest, you need to become familiar with the wash sale rule. The one thing that may not be obvious to someone ...
by MotoTrojan
Fri Mar 24, 2017 8:55 am
Forum: Investing - Help with Personal Investments
Topic: How to invest if you are not sure about your income?
Replies: 12
Views: 763

Re: How to invest if you are not sure about your income?

Do not put money into the stock market that you will need within 10 years (ideally longer, it takes longer than that historically to ensure you won't have a real/post-inflation loss). Maybe go 50/50 on intermediate/short-term bonds, and a total stock market index. Then if you really needed to, you ...
by MotoTrojan
Fri Mar 24, 2017 8:33 am
Forum: Investing - Help with Personal Investments
Topic: Tax Loss Harvesting - Alternative List
Replies: 7
Views: 478

Re: Tax Loss Harvesting - Alternative List

Commission Free Options: SCV - I'd recommend FNDA and paying a commission for IJS rather than SLVY. Why? Because IJS is more than twice as tax efficient as SLVY. This is rather hard to believe, as SLYV and IJS both track the same index. Do you have the data of QDI ratio for SLYV in 2016? Assuming y...
by MotoTrojan
Fri Mar 24, 2017 8:17 am
Forum: Investing - Help with Personal Investments
Topic: How to invest if you are not sure about your income?
Replies: 12
Views: 763

Re: How to invest if you are not sure about your income?

Do not put money into the stock market that you will need within 10 years (ideally longer, it takes longer than that historically to ensure you won't have a real/post-inflation loss). Maybe go 50/50 on intermediate/short-term bonds, and a total stock market index. Then if you really needed to, you c...
by MotoTrojan
Thu Mar 23, 2017 7:02 pm
Forum: Investing - Help with Personal Investments
Topic: Which Vanguard Funds in Roth account?
Replies: 10
Views: 1050

Re: Which Vanguard Funds in Roth account?

Thank you for the replies! I have already maxed out my other taxed advantaged spaces and am just now building up funds via backdoor Roth. That is a good point regarding tax inefficient funds in a Roth! Any Vanguard funds in particular? I am considering doing a simple 2 fund account consisting of To...
by MotoTrojan
Thu Mar 23, 2017 3:42 pm
Forum: Personal Finance (Not Investing)
Topic: Divesting to heirs. When and how quickly.
Replies: 45
Views: 4131

Re: Divesting to heirs. When and how quickly.

I am approaching a similar situation (heirs on the younger end, my assets much less than you describe) but still in the range that heirs will expect a $million or more should I die. I'd like to start gifting or something to keep my estate from growing too large, but have similar concerns. I'm very ...
by MotoTrojan
Thu Mar 23, 2017 2:55 pm
Forum: Investing - Help with Personal Investments
Topic: Total Stock Market Admiral in both taxable and IRA?
Replies: 22
Views: 1619

Re: Total Stock Market Admiral in both taxable and IRA?

What I did and would recommend, is to pick an AA, and then distribute it across your accounts per tax-friendliness. You may have to do some massaging if that leaves you with a lot of tax-inefficient funds and not enough space for them, but it is a good start. For example, I hold Total Stock Market, ...
by MotoTrojan
Thu Mar 23, 2017 11:20 am
Forum: Investing - Help with Personal Investments
Topic: Roth vs. TIRA, am I missing something obvious?
Replies: 23
Views: 1125

Re: Roth vs. TIRA, am I missing something obvious?

So I'd want to do a more refined calculation incorporating the tax drag on dividends to see the impact. See Roth 401(k) vs. 401(k) Spreadsheet Attempt - Critique Please - Bogleheads.org if you'd like to start with something other than a blank sheet. Thanks, that's a good thread. I've done versions ...
by MotoTrojan
Wed Mar 22, 2017 10:15 pm
Forum: Investing - Help with Personal Investments
Topic: Roth vs. TIRA, am I missing something obvious?
Replies: 23
Views: 1125

Re: Roth vs. TIRA, am I missing something obvious?

Assuming no mistakes in my calculations, the Roth is slightly advantageous assuming same tax rate on contributions and distributions, even if there is no tax drag in the taxable account; i.e., all returns are long-term capital gains (LTCG) taxed at 15%, with no dividends being taxed annually. Assum...
by MotoTrojan
Wed Mar 22, 2017 8:32 pm
Forum: Investing - Help with Personal Investments
Topic: Roth vs. TIRA, am I missing something obvious?
Replies: 23
Views: 1125

Re: Roth vs. TIRA, am I missing something obvious?

Makes sense. So I contributed around $3600 for 2016 (max with my income that year) and have only done $550 this year. Just let that ride, and start contributing to my tIRA now? Would allow me to still deduct $4900 off income next tax season. And again, not locking myself out of a transfer to Roth in...
by MotoTrojan
Wed Mar 22, 2017 8:23 pm
Forum: Investing - Help with Personal Investments
Topic: Roth vs. TIRA, am I missing something obvious?
Replies: 23
Views: 1125

Re: Roth vs. TIRA, am I missing something obvious?

Thanks all. The root of my question was alluded to and it's that $5500 full contribution of TIRA requires the tax amount regained to be put into a taxable account after tax return, and that has inherent drag. Sounds like the math still favors the TIRA however, so I should probably transition over. A...
by MotoTrojan
Wed Mar 22, 2017 6:07 pm
Forum: Investing - Help with Personal Investments
Topic: Roth vs. TIRA, am I missing something obvious?
Replies: 23
Views: 1125

Roth vs. TIRA, am I missing something obvious?

This year I began tax-advantaged investing via a Roth. My $105K+ income (depending on stock grants and bonuses) puts me in a fairly high bracket to be doing this, but I expect to be unable to contribute in a few years, and thus wanted to get some years of funds into the Roth so I'd have a mix of acc...
by MotoTrojan
Wed Mar 22, 2017 4:13 am
Forum: Investing - Help with Personal Investments
Topic: IRA yes or no?
Replies: 41
Views: 2914

Re: IRA yes or no?

retiredjg, I can't thank you enough for the effort you have put into helping me. I have learned a lot from you in this short time. I really like what you have put together, and it makes so much more sense now that I have a better understanding. My IRA conversion will take care of the 40% in bonds p...
by MotoTrojan
Wed Mar 22, 2017 12:42 am
Forum: Investing - Help with Personal Investments
Topic: How much Vanguard Small Cap Value is in Vanguard Total Stock market
Replies: 9
Views: 890

Re: How much Vanguard Small Cap Value is in Vanguard Total Stock market

That is a pretty aggressive tilt in both regards. Few things to note, there is no firm definition for what Small-cap value actually entails. As alluded to above, the Vanguard Small-cap Value fund (VBR ETF, not sure mutual) is actually a mix of Mornignstars Small/Mid. Total Stock Market (VTI ETF) has...
by MotoTrojan
Tue Mar 21, 2017 10:17 pm
Forum: Investing - Help with Personal Investments
Topic: Help me round out my 1st IPS: When to rebalance? TLH?
Replies: 3
Views: 247

Re: Help me round out my 1st IPS: When to rebalance? TLH?

Hey all, I am trying to make my first Investment Planning Statement as specific as reasonable, so there is less subjectivity. I believe I have a pretty good overall plan, but there are two areas that I feel would still be kind of open to my interpretation, which I want to develop a more executable ...
by MotoTrojan
Tue Mar 21, 2017 10:03 pm
Forum: Investing - Theory, News & General
Topic: Why buying the falling funds don’t work?
Replies: 7
Views: 1053

Re: Why buying the falling funds don’t work?

RBD applies to one bad day, but in general this is just called rebalancing and it is highly encouraged, but more so for longterm trends.
by MotoTrojan
Tue Mar 21, 2017 6:37 pm
Forum: Investing - Theory, News & General
Topic: Momentum on day of planned purchase
Replies: 12
Views: 732

Re: Momentum on day of planned purchase

wait til closer til the end of the trading day (the trading day ends at 4 p.m.) and purchase right before 4 p.m. Then you'll be closer to knowing whether you've bought on a day when the market went lower. If you buy at 9 a.m. you have no way of knowing whether the market will go up or down by the e...
by MotoTrojan
Tue Mar 21, 2017 5:36 pm
Forum: Investing - Theory, News & General
Topic: Momentum on day of planned purchase
Replies: 12
Views: 732

Re: Momentum on day of planned purchase

Does anyone use any special strategies when you want to purchase a Stock/ETF to determine what time of day to make the purchase? Today for example was a purchase day for me via my automatic deposit in Roth, and I noted the steep downward momentum. Thought to myself, eh it may continue maybe I shoul...
by MotoTrojan
Tue Mar 21, 2017 4:46 pm
Forum: Investing - Theory, News & General
Topic: Momentum on day of planned purchase
Replies: 12
Views: 732

Re: Momentum on day of planned purchase

Yup bit easier decision I would think with mutual funds, since you have slightly less idea what will happen the following day and are driven less by day-of momentum.
by MotoTrojan
Tue Mar 21, 2017 3:15 pm
Forum: Investing - Theory, News & General
Topic: Momentum on day of planned purchase
Replies: 12
Views: 732

Momentum on day of planned purchase

Does anyone use any special strategies when you want to purchase a Stock/ETF to determine what time of day to make the purchase? Today for example was a purchase day for me via my automatic deposit in Roth, and I noted the steep downward momentum. Thought to myself, eh it may continue maybe I should...
by MotoTrojan
Sun Mar 19, 2017 1:18 pm
Forum: Investing - Help with Personal Investments
Topic: Help me round out my 1st IPS: When to rebalance? TLH?
Replies: 3
Views: 247

Help me round out my 1st IPS: When to rebalance? TLH?

Hey all, I am trying to make my first Investment Planning Statement as specific as reasonable, so there is less subjectivity. I believe I have a pretty good overall plan, but there are two areas that I feel would still be kind of open to my interpretation, which I want to develop a more executable p...
by MotoTrojan
Sun Mar 19, 2017 5:00 am
Forum: Investing - Help with Personal Investments
Topic: Vanguard Target Retirement fund vs. Vanguard ETFs vs. DIY Portfolio
Replies: 5
Views: 454

Re: Vanguard Target Retirement fund vs. Vanguard ETFs vs. DIY Portfolio

Do you have tax advantaged space? If so what is in it? If you can shelter bonds in tax advantaged, it might be best but rates are so low it might not make much difference. Hard to know the future of course. As for which funds, VTSAX (US Total Market) and VTIAX (Total international) are all you need...
by MotoTrojan
Sun Mar 19, 2017 4:54 am
Forum: Investing - Help with Personal Investments
Topic: TLH from VTI, why VV over VOO? Use Roth Small to supplement?
Replies: 13
Views: 633

Re: TLH from VTI, why VV over VOO? Use Roth Small to supplement?

VBR has a median cap-size ~2X that of VIOV, and if you believe in the Small-cap premium, the smaller the better. Most people that I have seen tilting to Small-cap Value in large quantities go with IJS (same fund as VIOV) or RZV, which is pricey but even more small/valuey. MorningStar X-ray for exam...
by MotoTrojan
Sat Mar 18, 2017 7:32 pm
Forum: Investing - Help with Personal Investments
Topic: TLH from VTI, why VV over VOO? Use Roth Small to supplement?
Replies: 13
Views: 633

Re: TLH from VTI, why VV over VOO? Use Roth Small to supplement?

My nominal AA is 100% equities for investments, plus 3-6 months (over time) in 1% savings account and eventually CD ladder: 55% VTI in Taxable 25% VXUS in Taxable/Roth 20% VIOV in Roth Why VIOV (S&P Small-Cap 600 Value, er 0.20%) rather then VBR (CRSP US Small Cap Value, er 0.08%) ? Even Vangua...
by MotoTrojan
Sat Mar 18, 2017 11:27 am
Forum: Personal Finance (Not Investing)
Topic: Divesting to heirs. When and how quickly.
Replies: 45
Views: 4131

Re: Divesting to heirs. When and how quickly.

Interesting, I am not sure how I would have responded if I inherited $1M at age 19. How well do they understand compound interest? If you explain it well, perhaps you can get them to let it ride for a couple decades before even thinking to touch it, but use the dividends as fun money for now? With a...
by MotoTrojan
Fri Mar 17, 2017 10:53 pm
Forum: Investing - Help with Personal Investments
Topic: TLH from VTI, why VV over VOO? Use Roth Small to supplement?
Replies: 13
Views: 633

Re: TLH from VTI, why VV over VOO? Use Roth Small to supplement?

The reason people recommend VV over VOO is because many DCA an S&P 500 index in their 401K index throughout the year. If this doesn't apply to you, VOO is fine. My preferred TLH partner for VTI would be ITOT (followed by SCHB), assuming I have a large enough sum to trade such that the lower ER ...
by MotoTrojan
Fri Mar 17, 2017 10:09 pm
Forum: Investing - Help with Personal Investments
Topic: TLH from VTI, why VV over VOO? Use Roth Small to supplement?
Replies: 13
Views: 633

TLH from VTI, why VV over VOO? Use Roth Small to supplement?

Working on my first IPS and want a specific plan called out for TLH of VTI (Total Stock Market) & VXUS (Total Int). For VXUS, VEU (All World Ex-us) seems like a no brainer; almost 1-1 funds, same cost, etc... No need for additional funds to tilt it. As to VTI, any reason most people recommend VV...
by MotoTrojan
Fri Mar 17, 2017 2:49 pm
Forum: Investing - Help with Personal Investments
Topic: Retirement Plan: Do it myself or use Advisor?
Replies: 41
Views: 2993

Re: Retirement Plan: Do it myself or use Advisor?

What would your required annual dollar withdrawal be? I hope to have your problem in 35 years. I like to think I'd be able to make $5M last a lifetime and still grow fairly safely, but sometimes my tastes do get expensive...
by MotoTrojan
Fri Mar 17, 2017 12:56 pm
Forum: Investing - Help with Personal Investments
Topic: Investing in a new world index
Replies: 4
Views: 505

Re: Investing in a new world index

What fund are you in and what would you like to be in? What kind of account (taxable, Roth, IRA, 401K)?
by MotoTrojan
Fri Mar 17, 2017 11:01 am
Forum: Investing - Help with Personal Investments
Topic: VTIAX dividend date for this March
Replies: 19
Views: 1309

Re: VTIAX dividend date for this March

Interesting. A week isn't much time but I would assume the Bogle philosophy to say don't wait, buy it now. Unless it is already past the ex-div date? Not sure when those occur. According to the SEC , there are two relevant dates: the "ex-dividend" date and the "record" date. The...
by MotoTrojan
Fri Mar 17, 2017 10:46 am
Forum: Investing - Help with Personal Investments
Topic: "Don't time the market" vs. "Buy low, sell high"
Replies: 69
Views: 4842

Re: "Don't time the market" vs. "Buy low, sell high"

"Buy low, sell high" is the foolish mantra of market timing and the antithesis of Boglehead investing philosophy. Get it out of your head and replace it with the following: "Invest we must, invest early and often, don't time the market, keep costs low, stay the course" No. Buy l...
by MotoTrojan
Fri Mar 17, 2017 10:11 am
Forum: Investing - Help with Personal Investments
Topic: VTIAX dividend date for this March
Replies: 19
Views: 1309

Re: VTIAX dividend date for this March

Anyone know what the exact VTIAX dividend date will be for this March? Last year I believe it was 3/14, and 3/24 the year before. I'm planning to buy soon, but wondering if it's worth waiting to not buy the dividend. Just for my general knowledge, the only advantage to holding off would be a reduct...

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