Search found 172 matches

by nasrullah
Thu Apr 04, 2019 5:51 pm
Forum: Personal Investments
Topic: Help balancing portfolio for self management
Replies: 6
Views: 431

Re: Help balancing portfolio for self management

If you don't want to sell, then you are stuck with holding these until then or you give them away. So I would a) never auto-reinvest in any of the things you don't want to buy now. b) sequester the "don't sells" away and try to forget about them until you decide to give them away or sell them. c) i...
by nasrullah
Thu Apr 04, 2019 3:33 pm
Forum: Personal Investments
Topic: Help balancing portfolio for self management
Replies: 6
Views: 431

Re: Help balancing portfolio for self management

Total Portfolio $1,470,284.48 US Large Cap Stock 34% $499,896.72 US Mid/Small Cap Stock 11% $161,731.29 International Stock 30% $441,085.34 US Short Term Bond 7% $102,919.91 US Intermediate Term Bond 10% $147,028.45 US Long Term Bond 7% $102,919.91 International Bond 1% $14,702.84 That's my ideal h...
by nasrullah
Thu Apr 04, 2019 11:43 am
Forum: Personal Investments
Topic: Help balancing portfolio for self management
Replies: 6
Views: 431

Help balancing portfolio for self management

Hello all, In 2018 I switched from Wealthfront to Vanguard. PAS has actually been great and helped trade out of individual stock holdings in the most tax efficient way possible. I'm interested in moving away from PAS and self managing going forward. My problem is how do I properly weight and balance...
by nasrullah
Wed Apr 03, 2019 4:41 pm
Forum: Personal Finance (Not Investing)
Topic: Breaking down a Stock ETF/MF Portfolio Holdings
Replies: 6
Views: 234

Re: Breaking down a Stock ETF/MF Portfolio Holdings

Thanks everyone, as soon as Google Finance starts working I'm going to post a new thread with my actual portfolio and what I'm trying to accomplish.
by nasrullah
Wed Apr 03, 2019 12:13 pm
Forum: Personal Finance (Not Investing)
Topic: Breaking down a Stock ETF/MF Portfolio Holdings
Replies: 6
Views: 234

Re: Breaking down a Stock ETF/MF Portfolio Holdings

If only it was that simple. I have other holdings that I need to balance out for the total portfolio.
by nasrullah
Wed Apr 03, 2019 10:57 am
Forum: Personal Finance (Not Investing)
Topic: Breaking down a Stock ETF/MF Portfolio Holdings
Replies: 6
Views: 234

Breaking down a Stock ETF/MF Portfolio Holdings

Hello, Ignoring the underlying AA for a moment. With a 75/25 target Vanguard would recommend holding: 34% US Large Cap Stock 11% US Mid/Small Cap Stock 30% International Stock Looking at the portfolio market capitalization for VTI (https://advisors.vanguard.com/web/c1/fas-investmentproducts/VTI/port...
by nasrullah
Mon Feb 25, 2019 5:46 pm
Forum: Personal Finance (Not Investing)
Topic: $50,000 executive MBA at a state school or $5,000 MBA at a regional school?
Replies: 46
Views: 4034

Re: $50,000 executive MBA at a state school or $5,000 MBA at a regional school?

The two schools I’m looking at are MSU for the eMBA program and Eastern Michigan for the traditional MBA program. The executive MBA is $70,000 in total and it’s every other weekend. The traditional MBA is $25,000 I total and it’s full time. A few thoughts here. - If you aren't going to quit your jo...
by nasrullah
Thu Feb 14, 2019 12:48 pm
Forum: Investing - Theory, News & General
Topic: New Wealthfront Cash account 2.24% w/ FDIC up to 1mm. Anything similar?
Replies: 17
Views: 1602

Wealthfront Cash Account

FYI Wealthfront is offering 2.24% APY with FDIC insurance up to $1million (assuming multiple underlying accounts)

https://cloud.em.wealthfront.com/cash_signup
by nasrullah
Sat Feb 09, 2019 12:28 pm
Forum: Personal Finance (Not Investing)
Topic: Buying house with son [and his girlfriend]
Replies: 169
Views: 5747

Re: Buying house with son [and his girlfriend]

My wife and i plan on buying a home with our son and his girlfriend in the near future. We will contribute 50% of the sale price to the purchase and my son and GF will come up with the other half via their assets and mortgage combo. We plan on contributing the 50% and not making it a gift or a loan...
by nasrullah
Fri Feb 01, 2019 11:35 pm
Forum: Personal Finance (Not Investing)
Topic: Could Credit Card Work as Hypothetical Emergency Fund Instead of Cash?
Replies: 43
Views: 2273

Re: Could Credit Card Work as Hypothetical Emergency Fund Instead of Cash?

Cards can be cancelled. Credit lines can be cut. Interest rates can be jacked to 29.99%. This +1000 I’ve had credit cancelled in both the late 90s as well as 08-09. I hadn’t drawn down on the cards/lines and fortunately didn’t need it but this has absolutely stood out to me ever since. We keep a HE...
by nasrullah
Fri Feb 01, 2019 11:23 pm
Forum: Personal Investments
Topic: Vanguard Personal Advisor Services
Replies: 17
Views: 1936

Re: Vanguard Personal Advisor Services

When I converted from Wealthfront to Vanguard I signed up for PAS. At the time I mentally committed to one year with the service and have used them to: - Help deal with the portfolio that came across from Vanguard - Help me set my asset allocation based on my savings rate and retirement target - Hel...
by nasrullah
Thu Jan 24, 2019 11:15 am
Forum: Investing - Theory, News & General
Topic: Why I left Wealthfront
Replies: 72
Views: 20055

Re: Why I left Wealthfront

I don't agree with this comment, "As a whole I believe what they are trying to do is good, and represents a real benefit to their customers." I've found in discussions that there is a strong belief that one can "win" at the stock market, and that there is a secret or trick to it (aka everyone who w...
by nasrullah
Thu Jan 24, 2019 11:04 am
Forum: Investing - Theory, News & General
Topic: The problem with TLH...
Replies: 31
Views: 2328

The problem with TLH...

Your assets afterwards might not be ideal - and you could be stuck with them unless you want to sell to reallocate, You create a capital loss now, but by lowering your cost basis you could be creating higher taxes in the future I've been wondering if TLH is really worth it or not, or at what thresh...
by nasrullah
Sun Jan 20, 2019 2:38 pm
Forum: Investing - Theory, News & General
Topic: Talk me out of a 60/40 AA
Replies: 103
Views: 15112

Re: Talk me out of a 60/40 AA

I missed a lot of the follow up on this thread so I figured I would just post an update. I ended up with a 75/25 allocation. What drove this was finally understanding what my retirement target is (how much money I need and when) and working backwards from there. Ultimately the 60/40 was just way to ...
by nasrullah
Sun Jan 20, 2019 2:30 pm
Forum: Investing - Theory, News & General
Topic: Why I left Wealthfront
Replies: 72
Views: 20055

Re: Why I left Wealthfront

I’ve been somewhat conflicted when it comes to Wealthfront and the other Robos. Investing is an incredibly confusing subject and the market/marketing at large does not exist to make things easier for the average person. Wealthfront is investing untold resources and marketing to introduce and educate...
by nasrullah
Mon Dec 24, 2018 12:59 pm
Forum: Investing - Theory, News & General
Topic: Difference between ETF and Mutual Fund - VTSAX vs VTI
Replies: 4
Views: 773

Re: Difference between ETF and Mutual Fund - VTSAX vs VTI

Did you read this -> https://www.bogleheads.org/wiki/ETFs_vs_mutual_funds Was it helpful? Why or why not? Thanks - basically “it depends” is the answer. With Vanguard funds it seems like this comes down to personal preference, if you are managing your own accounts or using an advisor, and if TLH is...
by nasrullah
Mon Dec 24, 2018 12:51 pm
Forum: Investing - Theory, News & General
Topic: What’s your TLH Strategy [Tax Loss Harvest]
Replies: 42
Views: 2763

What’s your TLH Strategy [Tax Loss Harvest]

Hi all, The robos push TLH as part of their core value proposition. It sounds nice an all on their blogs, but in practice I just don’t believe the story as much anymore. Don’t get me wrong, I’m very interested to take a paper loss to offset future taxes, but I don’t really understand where it’s wort...
by nasrullah
Fri Dec 21, 2018 3:39 pm
Forum: Investing - Theory, News & General
Topic: Difference between ETF and Mutual Fund - VTSAX vs VTI
Replies: 4
Views: 773

Difference between ETF and Mutual Fund - VTSAX vs VTI

Hello, I've been trying to understand the difference between Mutual Funds and ETFs, pros and cons and why to use one vs another. When I look at these two from Vanguard for example: Vanguard Total Stock Market Index Fund Admiral Shares (VTSAX) ER 0.04% $3k minimum Vanguard Total Stock Market ETF (VTI...
by nasrullah
Fri Nov 23, 2018 10:20 am
Forum: Personal Consumer Issues
Topic: New TV Recommendations Please?
Replies: 80
Views: 5715

Re: New TV Recommendations Please?

I’ve been very happy with the TVL series 5 that we bought. Yes TVs are cheap and they depreciate almost 100% instantly so I’ve been reluctant to spend any real money on one.
by nasrullah
Mon Nov 05, 2018 8:47 pm
Forum: Personal Investments
Topic: 80 year old wants to invest $100k to get ~$10k annually. Options?
Replies: 22
Views: 3994

Re: 80 year old wants to invest $100k to get ~$10k annually. Options?

Asking for a elderly acquaintance. What would you advise? She just sold some property and has $100k to invest. The property was generating $1k per month in rental income and she'd like to achieve a similar amount of annual income if possible (i.e. $8-12k/year). She is risk adverse and couldn't stom...
by nasrullah
Mon Nov 05, 2018 8:45 pm
Forum: Personal Finance (Not Investing)
Topic: Are we in trouble?
Replies: 122
Views: 18519

Re: Are we in trouble?

*) Currently i am unhappy with the new job and might have to look around. *) did not expect the old house to stay unsold for such a longtime and did not expect the housing market to be so bad. the house is in a desibrable area with very good schools. so i am baffled on that. *) The new house build ...
by nasrullah
Sat Oct 27, 2018 3:15 pm
Forum: Investing - Theory, News & General
Topic: Vangaurd Personal Advisory Services - Do they provide AA and TLH advise based outside accounts?
Replies: 9
Views: 822

Re: Vangaurd Personal Advisory Services - Do they provide advise based outside accounts?

I linked my external accounts to Vanguard. They used this information to hit my desired AA. They will not manage the external account, but they should be able to reference it.
by nasrullah
Tue Oct 16, 2018 5:34 pm
Forum: Investing - Theory, News & General
Topic: "Why Jack Bogle Doesn't Own Non-U.S. Stocks"
Replies: 203
Views: 11849

Re: "Why Jack Bogle Doesn't Own Non-U.S. Stocks"

I'm onboard with Vanguards argument/research on why to hold 40% International (IIRC the primary point is decreasing volatility in your portfolio). Of course looking at my portfolio from the past few days, International sure does feel like the opposite of decreased volatility.
by nasrullah
Tue Sep 25, 2018 5:45 pm
Forum: Personal Investments
Topic: CA Resident - What Vanguard Bonds in Taxable Account?
Replies: 7
Views: 1239

Re: CA Resident - What Vanguard Bonds in Taxable Account?

Reading past threads on this it seems the general consensus is to use: 50% state specific long term muni 50% national intermediate term tax exempt (most leaned to intermediate term, some short term) Provided that the muni doesn't cross (x) threshold of total portfolio value (where x is a percentage ...
by nasrullah
Tue Sep 25, 2018 2:33 pm
Forum: Personal Investments
Topic: CA Resident - What Vanguard Bonds in Taxable Account?
Replies: 7
Views: 1239

CA Resident - What Vanguard Bonds in Taxable Account?

Hello, * Related to this question https://www.bogleheads.org/forum/viewtopic.php?f=1&t=259768 Bogleheads investment philosophy #8 = minimize taxes. Unfortunately 96% of my portfolio is held in taxable accounts - and as a result most of bonds are going to be here. Conventional advice is to use a Muni...
by nasrullah
Tue Sep 25, 2018 12:07 pm
Forum: Personal Finance (Not Investing)
Topic: Employer says no to relocation as employee, should I offer to be contractor?
Replies: 37
Views: 3211

Re: Employer says no to relocation as employee, should I offer to be contractor?

Offering to be a contractor (and asking for increases in compensation) is not going to resolve the issue. For all intents and purposes being a 1099 still creates all of the same issues as a W2 for the company. As soon as the company establishes a nexus in a state (by opening an office / having emplo...
by nasrullah
Tue Sep 25, 2018 11:36 am
Forum: Personal Investments
Topic: I need help with the next step to a three fund portfolio
Replies: 5
Views: 927

Re: I need help with the next step to a three fund portfolio

I set up a spread sheet to manage this. I used Morningstar Instant Xray to determine the 9-box percentage for each fund. I then determine the 9-box for the 3 fund portfolio I desire. My spreadsheet then tells me what to buy to balance things out. I don't get OCD about this. Close is good enough. Th...
by nasrullah
Mon Sep 24, 2018 5:24 pm
Forum: Personal Investments
Topic: I need help with the next step to a three fund portfolio
Replies: 5
Views: 927

I need help with the next step to a three fund portfolio

Emergency funds: Six Months Debt: Mortgage $1.164M 30 year fixed 3.65% Tax Filing Status: Married Filing Jointly, 2 Children Tax Rate: 33% Federal, 10.3% State State of Residence: California Age: 39 Desired Asset allocation: 75% Stocks / 25% Bonds Desired International allocation: 20% Current portfo...
by nasrullah
Sun Sep 16, 2018 7:36 pm
Forum: Investing - Theory, News & General
Topic: Age in Bonds - Still Recommended?
Replies: 152
Views: 12428

Re: Age in Bonds - Still Recommended?

I guess I'm the only one on this forum who doesn't care about AA. I keep 10 years worth of annual expenses in bonds, CDs, money market, and savings, and the rest is in stock regardless of the %. The 10 year number is my exact target as well. Using 75/25 until I get there and then will be all equiti...
by nasrullah
Tue Sep 11, 2018 7:56 pm
Forum: Personal Investments
Topic: Need investment advise for 7 figure portfolio
Replies: 8
Views: 1434

Re: Need investment advise for 7 figure portfolio

You need to come up with an investing philosophy. Having cash on hand and talking about market downturns is market timing which has been shown time and time again to not work unless you're lucky. Remember people were saying the market was going to go down 2 years ago and we've had some great return...
by nasrullah
Tue Sep 11, 2018 7:52 pm
Forum: Personal Investments
Topic: Need investment advise for 7 figure portfolio
Replies: 8
Views: 1434

Re: Need investment advise for 7 figure portfolio

Woah, this gives me flashbacks. First things first. You should write your IPS and figure out your AA at the same time. This is most of the battle. When you get these two things worked out, the rest is just implementing the plan. By the books your 90/10 is a very aggressive AA for your age - also by ...
by nasrullah
Tue Sep 11, 2018 7:38 pm
Forum: Personal Finance (Not Investing)
Topic: Small business credit card recommendations
Replies: 17
Views: 1260

Re: Small business credit card recommendations

Amex Platinum

Amazing customer service - and when you figure it out, incredible benefits with the card. Worth well more than the annual fee. Points exchange everywhere.
by nasrullah
Tue Sep 11, 2018 7:36 pm
Forum: Personal Consumer Issues
Topic: Laptop for a middle school student (tech issues with Chromebook)
Replies: 7
Views: 849

Re: Laptop for a middle school student (tech issues with Chromebook)

If you haven't already, try the Android store for the software that you need. I've found that the native Chomebook application might not work properly, but the Android version does what you need. The 13" Macbook Air is the best all around laptop I've ever found. Relatively inexpensive, ridiculous ba...
by nasrullah
Wed Aug 08, 2018 11:44 am
Forum: Investing - Theory, News & General
Topic: "Age in Bonds" fails almost everyone
Replies: 217
Views: 15741

Re: "Age in Bonds" fails almost everyone

vineviz wrote:
Mon Aug 06, 2018 3:32 pm
"Own your age in bonds" is repeated so often as conventional wisdom that I'm not sure many investors stop and appreciate just how bad this piece of advice is.
Very interesting - thanks for the post.
by nasrullah
Mon Aug 06, 2018 3:42 pm
Forum: Personal Investments
Topic: Any Experience? - Vanguard Customer Service When Transferring Accounts from Large Brokerage Firm
Replies: 19
Views: 1210

Re: Any Experience? - Vanguard Customer Service When Transferring Accounts from Large Brokerage Firm

Hi - first time user here. Thanks in advance to everyone here for any help / advice. Im considering moving all my accounts from Northwestern Mutual to Vanguard. My recent research has revealed some poor reviews regarding the customer service at Vanguard when trying to transfer accounts from other b...
by nasrullah
Fri Jul 27, 2018 4:25 pm
Forum: Personal Consumer Issues
Topic: Toughest Purchase of my Life. Engagement Ring time
Replies: 207
Views: 10950

Re: Toughest Purchase of my Life. Engagement Ring time

I've spent many months on Blue Nile and I can't push myself to pull the trigger on an engagement ring. :| Although I'm sure my girl would be extremely happy. To me, it's a complete waste of money. How can I get over this? The current ring I'm looking at 1.1 Carat, round diamond, color I, VS2, Perfe...
by nasrullah
Wed Jul 25, 2018 5:47 pm
Forum: Personal Investments
Topic: Moving away from Wealthfront; need a quick AA sanity check
Replies: 8
Views: 1156

Re: Moving away from Wealthfront; need a quick AA sanity check

For tax-deferred, I intend to hold 100% Wellington VWENX (65/35). For taxable, a little more complicated (85/15 overall). 35% Total Stock Market VTSAX 30% Developed Stock Market VTMGX 18% Emerging Stock Market VEMAX 7% Dividend Appreciation VDADX 10% Tax-Exempt Bonds VTEAX Remember your AA is appli...
by nasrullah
Wed Jul 25, 2018 11:13 am
Forum: Investing - Theory, News & General
Topic: Quicken Alternative
Replies: 2
Views: 282

Quicken Alternative

I've been using Quicken for 20+ years now, each year has been a little worse, a little more aggravating, a little more frustrating. This morning I couldn't open my Quicken file because their cloud sign-in system was down - mind you I don't use their cloud services, or sync to the cloud, etc... Is th...
by nasrullah
Wed Jul 25, 2018 10:28 am
Forum: Personal Investments
Topic: Closing Wealthfront and Betterment accounts: Guidance requested
Replies: 32
Views: 3081

Re: Closing Wealthfront and Betterment accounts: Guidance requested

Fearing short-term capital gains, i did not right away close the accounts (at Wealthfront and Betterment) and instead continue to have the funds sitting with these two firms. If you log into your accounts you can get an account statement online. This will detail your long/short positions. No need t...
by nasrullah
Wed Jul 25, 2018 10:20 am
Forum: Personal Investments
Topic: Need Help with PAS plan
Replies: 16
Views: 1155

Re: Need Help with PAS plan

Hi, I wrote before about investing my taxable savings, but was very hesitant about moving forward...for a number of reasons. Anyway, I did go ahead and put 300k of 750k into Target Ret Income, since I'm in a lower tax bracket, at the suggestion of PAS at that time. She told me, she could not manage...
by nasrullah
Tue Jul 24, 2018 6:36 pm
Forum: Personal Consumer Issues
Topic: Craigslist payment by PayPal - safe or scam?
Replies: 51
Views: 4950

Re: Craigslist payment by PayPal - safe or scam?

SCAM!

Basically after your item ships out, they lodge a "I didn't get it / it's damaged" complaint with Paypal. Paypal refunds money, you're SOL.

Cash is the only thing I take on Craigslist.
by nasrullah
Wed Jul 18, 2018 11:37 am
Forum: Personal Investments
Topic: Vanguard Sub-Asset Allocation Model, Personal Advisor Service
Replies: 26
Views: 2668

Re: Vanguard Sub-Asset Allocation Model, Personal Advisor Service

This is more of a general observation I've noticed. When I discovered MPT through a Robo I never questioned their allocation percentages, what the holdings were, why, etc... I just selected my risk value and gave them money. I had no idea what I was doing, my taxable accounts had a relatively low ri...
by nasrullah
Wed Jul 18, 2018 11:16 am
Forum: Personal Investments
Topic: Vanguard Sub-Asset Allocation Model, Personal Advisor Service
Replies: 26
Views: 2668

Re: Vanguard Sub-Asset Allocation Model, Personal Advisor Service

Real Estate Index Fund Admiral Shares (VGSLX) is a sector focused fund in the same way that the Information Technology Index Fund Admiral Shares (VITAX) and Health Care Index Fund Admiral Shares (VHCIX) are. You have a very focused allocation in a specific sector when you hold any of these funds. Th...
by nasrullah
Tue Jul 17, 2018 10:09 pm
Forum: Personal Investments
Topic: Newbie: 35 and I have no idea what I'm doing
Replies: 9
Views: 1593

Re: Newbie: 35 and I have no idea what I'm doing

What's the best way to go about rebalancing funds in the taxable account? Should I wait until the 1 year mark to rebalance for long term capital gains? I'm okay with a three fund portfolio. I'd like to make an attempt to buy a house in the next ~4 years or so. Assuming I'd need $80k-$100k for a dow...
by nasrullah
Tue Jul 17, 2018 6:53 pm
Forum: Personal Investments
Topic: When to invest 100000?
Replies: 40
Views: 4761

Re: When to invest 100000?

Also, there's lots of research showing what happens if you miss just the x best days of the market. Feels like every few months one of these comes out again. http://www.businessinsider.com/cost-of-missing-10-best-days-in-sp-500-2015-3 https://am.jpmorgan.com/us/en/asset-management/gim/adv/insights/g...
by nasrullah
Tue Jul 17, 2018 6:51 pm
Forum: Personal Finance (Not Investing)
Topic: Accepted new job, immediately laid off at old one?
Replies: 37
Views: 6359

Re: Accepted new job, immediately laid off at old one?

*update* EVERYTHING HAS CLEARED AND I START IN TWO WEEEEEEEEEEEEEEEEEEEEEEEEEEEEEKS!!!!!!!!!! WHOOOOOOOOO HOOOOOOOOOOOOOOOOOOOOOOOOOOOOOOO looks like I was freaking out for no reason. wow. will still be paid for a extra 8 weeks after I start working at the new company..legit just double income for ...
by nasrullah
Tue Jul 17, 2018 6:49 pm
Forum: Personal Investments
Topic: divorce- helping my best friend
Replies: 5
Views: 1489

Re: divorce- helping my best friend

ready20 wrote:
Tue Jul 17, 2018 1:27 pm
Him and his wife are splitting their Vanguard taxable account 70/30 (lots of capital gains)
Specific requirements on what to do, how to do, and how taxes are accounted for will be part of their divorce settlement.
by nasrullah
Tue Jul 17, 2018 6:47 pm
Forum: Personal Investments
Topic: divorce- helping my best friend
Replies: 5
Views: 1489

Re: divorce- helping my best friend

Grt2bOutdoors wrote:
Tue Jul 17, 2018 6:43 pm
Call Vanguard and find out.
+1