Search found 204 matches

by nasrullah
Fri Apr 17, 2020 8:08 pm
Forum: Personal Investments
Topic: Why international?
Replies: 636
Views: 40797

Re: Why international?

asif408 wrote:
Fri Apr 17, 2020 3:08 pm
Can you tell me how international did from 1970-1994 relative to the US? Just curious.
What can you use to test this?
by nasrullah
Fri Apr 17, 2020 2:32 pm
Forum: Personal Investments
Topic: Why international?
Replies: 636
Views: 40797

Re: Why international?

Although to be fair, it looks like on Portfolio Charts, 1987 is one of the worst start dates for international. So not a super typical example, and most people don't invest with 1 lump sum, but still I think an important example to remember that equities have a higher risk for higher potential rewa...
by nasrullah
Thu Apr 16, 2020 7:15 pm
Forum: Personal Investments
Topic: Why international?
Replies: 636
Views: 40797

Re: Why international?

International allocation makes my head hurt. I have to say, when I watch and read the Vanguard research they talk specifically about international allocation as a measure to reduce volatility in your portfolio. And what I've started to wonder - is how much of this is to hedge to minimize losses more...
by nasrullah
Thu Apr 16, 2020 4:49 pm
Forum: Personal Investments
Topic: Bonds in CA Taxable Account
Replies: 5
Views: 339

Re: Bonds in CA Taxable Account

For the conversation - bonds in or being considered for a taxable account: Vanguard Limited-Term Tax-Exempt Fund Admiral Shares (VMLUX) $87,086.36 Vanguard California Intermediate-Term Tax-Exempt Fund Admiral Shares (VCADX) $118,847.69 Vanguard California Long-Term Tax-Exempt Fund Admiral Shares (VC...
by nasrullah
Thu Apr 16, 2020 2:48 pm
Forum: Personal Investments
Topic: How much cash is too much cash?
Replies: 73
Views: 8948

Re: How much cash is too much cash?

Skeeter1 wrote:
Wed Apr 15, 2020 1:32 pm
This market has tested my ISP (PASSED ), my AA (PASSED ) and my cash reserves (PASSED- but "TOO MUCH" ).
Curious what your EF was at, and what you reduced it to
by nasrullah
Thu Apr 16, 2020 2:26 pm
Forum: Personal Investments
Topic: Bonds in CA Taxable Account
Replies: 5
Views: 339

Bonds in CA Taxable Account

I'm trying to better understand bonds, and which ones I should be buying. VPAS splits bonds in a CA taxable account 30% VMLUX, 40% VCADX, 30% VCLAX. So a $100k bond position would be $30k VMLUX, $40k VCADX, $30k VCLAX. Reading this forum some people advocate to just purchase VCADX, and others advoca...
by nasrullah
Tue Apr 14, 2020 7:28 pm
Forum: Personal Investments
Topic: Changing AA? How would you rebalance my portfolio?
Replies: 6
Views: 520

Re: Changing AA? How would you rebalance my portfolio?

My bond holdings are a mix of Vanguard intermediate term tax exempt and the two CA muni bond funds (intermediate term and long term). Note that the long term CA fund holds bonds that are not of very long duration, by comparison to standard long term bond funds. This has served me well enough, even ...
by nasrullah
Tue Apr 14, 2020 6:51 pm
Forum: Personal Investments
Topic: How much cash is too much cash?
Replies: 73
Views: 8948

Re: How much cash is too much cash?

If you factor in potential unemployment benefits we could receive I think I am just about at 24 months. This assumes both spouse and I lose jobs at same time. If only 1 of us loses job, EF is actually more like 3.5+ years. I have approximately 8 months in EF right now. Cash for me has let me sleep ...
by nasrullah
Tue Apr 14, 2020 4:53 pm
Forum: Personal Investments
Topic: Changing AA? How would you rebalance my portfolio?
Replies: 6
Views: 520

Re: Changing AA? How would you rebalance my portfolio?

1) is along the lines of don't bear too much or too little risk. When I left wealthfront I was thinking about a 60/40 AA and was talked up to 75/25 by VPAS. Looking now that's still too conservative a place to base a glideslope from going forward. Assuming stable income, long duration investments, a...
by nasrullah
Tue Apr 14, 2020 4:12 pm
Forum: Personal Investments
Topic: Changing AA? How would you rebalance my portfolio?
Replies: 6
Views: 520

Changing AA? How would you rebalance my portfolio?

First of all, thank you to everyone in the Bogleheads community who have contributed to the Wiki and are active in the Forums. For the last few weeks I've been actively ignoring my portfolio and that was only possible because of my EF and understanding my AA. If you are reading this and don't have a...
by nasrullah
Tue Apr 07, 2020 6:14 pm
Forum: Personal Investments
Topic: First Time TLH
Replies: 18
Views: 841

Re: First Time TLH

I just realized this is going to require a much, much more detailed response and will start a new thread later tonight.
by nasrullah
Tue Apr 07, 2020 2:48 pm
Forum: Personal Investments
Topic: First Time TLH
Replies: 18
Views: 841

Re: First Time TLH

So my goals are: 1. Match the market as closely as possible 2. Do this as simply as possible So to TLH VTSAX one could either exchange into 1. VFIAX + VEXAX and closely approximate the market 2. SCHB 3. Just buy VFIAX and be pretty close Looking at backtesting there isn't much difference between the...
by nasrullah
Tue Apr 07, 2020 1:54 pm
Forum: Personal Investments
Topic: First Time TLH
Replies: 18
Views: 841

Re: First Time TLH

If you are selling all shares of VTSAX and you don't own any VTI or anything else that tracks the CRSP Total US Market, then you should be fine. I was wondering this same thing. I have VTSAX (loss) and VTI (gain) in my brokerage today. Could I not sell the VTSAX and buy non VTI and avoid wash rules?
by nasrullah
Tue Feb 25, 2020 2:08 pm
Forum: Investing - Theory, News & General
Topic: How often do you TLH/Rebalance?
Replies: 7
Views: 447

Re: How often do you TLH/Rebalance?

Financologist wrote:
Tue Feb 25, 2020 1:47 pm
Rebalancing is very simple for me through my brokerage account. So I try to do it if my allocations get out of whack by one percentage point. Note this is not time-based (every month/quarter/year).
How frequently are you checking your brokerage account?
by nasrullah
Tue Feb 25, 2020 2:08 pm
Forum: Investing - Theory, News & General
Topic: How often do you TLH/Rebalance?
Replies: 7
Views: 447

Re: How often do you TLH/Rebalance?

MnD wrote:
Tue Feb 25, 2020 1:33 pm
As far as rebalancing see my signature below. The market moves this week has skyrocketed my fixed income allocation from 29.2% to 30.3%, so I'll not be rebalancing any time soon.
But how often are you checking what your AA is? Daily?
by nasrullah
Tue Feb 25, 2020 1:23 pm
Forum: Investing - Theory, News & General
Topic: How often do you TLH/Rebalance?
Replies: 7
Views: 447

How often do you TLH/Rebalance?

If anything the last few days have shown me that I'm comfortable with my AA and could even be more aggressive. I have a general idea of what's going on with my portfolio, but haven't actually signed in to look. My question is how often do you TLH and/or rebalance? I'm thinking about adding to my IPS...
by nasrullah
Wed Sep 11, 2019 10:39 am
Forum: Personal Investments
Topic: Tool to manage AA when investing?
Replies: 24
Views: 1627

Re: Tool to manage AA when investing?

Do you have large capital gains on the short/long? Probably so given rates, so you may be stuck, but this seems more like a ploy to overcomplicate things to make it seem like you are getting some value from Wealthfront. About $8500 total between the two funds. I've been staring at this number a lot...
by nasrullah
Tue Sep 10, 2019 5:39 pm
Forum: Personal Investments
Topic: Tool to manage AA when investing?
Replies: 24
Views: 1627

Re: Tool to manage AA when investing?

Can you help me understand why you need that bond allocation? Holding just the intermediate term would give you a similar exposure without needing 3 funds. Seems like a huge complexity improvement for no gain. Because VBTLX is 30/40/30 and when I moved to Vanguard from Wealthfront PAS set me up 30/...
by nasrullah
Tue Sep 10, 2019 5:31 pm
Forum: Personal Investments
Topic: Tool to manage AA when investing?
Replies: 24
Views: 1627

Re: Tool to manage AA when investing?

I know you said you wanted to avoid excel, but I also use excel. One Christmas break I sat down in front of the TV with my laptop and created a spreadsheet to manage my AA. I have been using the same spreadsheet for years now. I just manually enter my holdings, and the spreadsheet tells me what to ...
by nasrullah
Tue Sep 10, 2019 11:12 am
Forum: Personal Investments
Topic: Tool to manage AA when investing?
Replies: 24
Views: 1627

Tool to manage AA when investing?

Hello, I'm looking for a tool to help manage asset allocation as part of my monthly investment cycle. Vanguard's portfolio testing tool allows you to enter hypothetical changes to the portfolio but it doesn't exactly fit my needs. Specifically with a target AA (including an International allocation)...
by nasrullah
Tue Jun 04, 2019 10:49 pm
Forum: Personal Consumer Issues
Topic: Do we need a realtor? First time home buyer, buying from landlord
Replies: 26
Views: 2525

Re: Do we need a realtor? First time home buyer, buying from landlord

California is a full disclosure state, the law protects you from misrepresentations from the seller. The penalties are sever, in other words, you don't even need a lawyer. CA has standardized forms that the Realtor(s), transaction coordinator and escrow will all use. Negotiate a price with the landl...
by nasrullah
Sun Apr 28, 2019 10:38 pm
Forum: Personal Consumer Issues
Topic: Boglehead Pilots...advice
Replies: 57
Views: 6425

Re: Boglehead Pilots...advice

I love this forum - where else can you get such fantastic advise on such a wide range of topics. I've read a dozen or so great responses, I'm just going to add my personal experience for reference: I've put my name on a wait list to become part of a flying club. The wait may be as long as a year. I'...
by nasrullah
Sun Apr 28, 2019 10:12 pm
Forum: Investing - Theory, News & General
Topic: Justifying Home Bias in your Portfolio
Replies: 97
Views: 6910

Re: Justifying Home Bias in your Portfolio

I swear I watched a video of John Bogle last year saying that he didn't see any upside to International. It was the same Q&A where he thought Bitcoin and those like it were for fools. He also moved his holdings into Balanced Funds when he had an earlier health scare. Vanguard holds International in...
by nasrullah
Sun Apr 28, 2019 9:30 pm
Forum: Investing - Theory, News & General
Topic: Justifying Home Bias in your Portfolio
Replies: 97
Views: 6910

Re: Justifying Home Bias in your Portfolio

I swear I watched a video of John Bogle last year saying that he didn't see any upside to International. It was the same Q&A where he thought Bitcoin and those like it were for fools. He also moved his holdings into Balanced Funds when he had an earlier health scare. Vanguard holds International in...
by nasrullah
Fri Apr 26, 2019 10:12 pm
Forum: Investing - Theory, News & General
Topic: Justifying Home Bias in your Portfolio
Replies: 97
Views: 6910

Re: Justifying Home Bias in your Portfolio

I do get a little jealous though when I see everyone taking taking losses. Past performance yada yada... 40% of my equities are in international and while not as great as US I wouldn't change it for a second thinking about it now. My actual numbers: VEA + 18.57% VWO + 4.40% IEMG + 2.56% SCHF + 3.71...
by nasrullah
Fri Apr 26, 2019 9:34 pm
Forum: Investing - Theory, News & General
Topic: Tax Efficiency?? vs Target Date Funds
Replies: 11
Views: 915

Re: Tax Efficiency?? vs Target Date Funds

mega317 wrote:
Fri Apr 26, 2019 5:38 pm
No but it's worse than selling VBTLX which likely won't have much in the way of capital gains. Thats my point.
But in theory I would be increasing not decreasing my bond percentage. So I wouldn't be selling a VBTLX unless it really hit the fan for me financially.
by nasrullah
Fri Apr 26, 2019 9:32 pm
Forum: Investing - Theory, News & General
Topic: Justifying Home Bias in your Portfolio
Replies: 97
Views: 6910

Re: Justifying Home Bias in your Portfolio

Did a Vanguard publication or spokesperson actually say this? I believe it to be true, but I'd be surprised if they came out and said this straight for the record. International Investing While the full video linked first on the page is worth watching, this clip starting at about 1:20 has what you'...
by nasrullah
Fri Apr 26, 2019 4:53 pm
Forum: Investing - Theory, News & General
Topic: Tax Efficiency?? vs Target Date Funds
Replies: 11
Views: 915

Re: Tax Efficiency?? vs Target Date Funds

The problem is if you ever want to sell taxable bonds for some reason, you will also have to sell stocks which will likely have capital gains. If you have separate stock and bond funds you have options. Selling anything in a taxable account is not ideal though isn't it. Is it really worse selling $...
by nasrullah
Fri Apr 26, 2019 4:51 pm
Forum: Investing - Theory, News & General
Topic: Tax Efficiency?? vs Target Date Funds
Replies: 11
Views: 915

Re: Tax Efficiency?? vs Target Date Funds

stan1 wrote:
Fri Apr 26, 2019 4:42 pm
Are you retired or working?
I'm roughly 30 years out from retirement. Although I really can't imagine not working, so the goal would be to just drastically cut back but always keep a toe in the water.
by nasrullah
Fri Apr 26, 2019 4:49 pm
Forum: Investing - Theory, News & General
Topic: Tax Efficiency?? vs Target Date Funds
Replies: 11
Views: 915

Re: Tax Efficiency?? vs Target Date Funds

Last year was abnormally high for me with cap gains (37% Fed / 11.3% State) I should lower going forward (24-32%/9.3%). ~$1.5m total portfolio, all of bonds in taxable today are muni funds. I still have a significant amount of VIG in portfolio from Wealtfront and VPAS working through the mess to try...
by nasrullah
Fri Apr 26, 2019 4:25 pm
Forum: Investing - Theory, News & General
Topic: Tax Efficiency?? vs Target Date Funds
Replies: 11
Views: 915

Tax Efficiency?? vs Target Date Funds

Hello, I'm getting ready to opt-out of Vanguard PAS and trying to finalize the last parts of my IPS until life dictates a change. One thing I've uncertain on is managing changing AA with a glidepath (or maybe just AA targets based on age). Almost 93% of my portfolio is in taxable accounts. Realistic...
by nasrullah
Fri Apr 26, 2019 11:34 am
Forum: Investing - Theory, News & General
Topic: Justifying Home Bias in your Portfolio
Replies: 97
Views: 6910

Justifying Home Bias in your Portfolio

International allocation has been debated on this forum multiple times and it seems like there are three schools of thought: 1) 0% allocation to international - US companies already provide benefits of diversification with international commerce / international performance/returns is worse than US. ...
by nasrullah
Thu Apr 04, 2019 5:51 pm
Forum: Personal Investments
Topic: Help balancing portfolio for self management
Replies: 6
Views: 483

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: 483

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: 483

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: 289

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: 289

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: 289

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: 4463

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: 36
Views: 5342

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: 12490

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: 2625

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: 2435

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: 24729

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: 46
Views: 3882

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: 16657

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: 24729

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: 1382

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: 3002

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...