Search found 391 matches

by deltaneutral83
Fri Oct 20, 2017 3:03 pm
Forum: Investing - Theory, News & General
Topic: Fellow TDA bogleheads [TDA dropping Vanguard ETFs from commission-free list]
Replies: 333
Views: 17578

Re: Fellow TDA bogleheads [TDA dropping Vanguard ETFs from commission-free list]

is there a glaring reason NOT to expect the new funds to perform similarly to the corresponding vanguard ETFs? seems like if the funds are tracking the same things, then they should perform similarly in the long run. if the funds go out of existence for some reason, then will you lose the money in ...
by deltaneutral83
Fri Oct 20, 2017 11:27 am
Forum: Investing - Theory, News & General
Topic: 401k "only" up 13.5% YTD
Replies: 26
Views: 2209

Re: 401k "only" up 13.5% YTD

I think you have figured out your question. The only real difference is that you reduced your Intl. from 31% to 10%. Since Jan 1, Intl Tot. has gained nearly 23% and the US Total has gained only 15%
by deltaneutral83
Fri Oct 20, 2017 11:16 am
Forum: Investing - Theory, News & General
Topic: 401k "only" up 13.5% YTD
Replies: 26
Views: 2209

Re: 401k "only" up 13.5% YTD

You compare each one of your funds to it's benchmark, if you already use the "benchmark" for each fund and you are getting a competitive ER for each fund then you never really have to wonder as you are getting market returns at the lowest/competitive cost possible. Now if your asset allocation is an...
by deltaneutral83
Thu Oct 19, 2017 1:50 pm
Forum: Investing - Theory, News & General
Topic: Fellow TDA bogleheads [TDA dropping Vanguard ETFs from commission-free list]
Replies: 333
Views: 17578

Re: Fellow TDA bogleheads [TDA dropping Vanguard ETFs from commission-free list]

If you've made a trade within two weeks but sell it and buy off the the new commission free lists, will they hit you with the short term fee or waive it for the next month until November 21 as people transition?
by deltaneutral83
Thu Oct 19, 2017 8:32 am
Forum: Investing - Theory, News & General
Topic: Sitting on cash....Waiting for a crash
Replies: 175
Views: 25858

Re: Sitting on cash....Waiting for a crash

Houe wrote:
Thu Oct 19, 2017 8:15 am
It seems like there is a lot of fear lately. Dow down 100 today.
The vix is pretty much at a 25 year low or very near it. What indicator are you using to gauge fear?
by deltaneutral83
Wed Oct 18, 2017 7:56 am
Forum: Investing - Theory, News & General
Topic: Fellow TDA bogleheads [TDA dropping Vanguard ETFs from commission-free list]
Replies: 333
Views: 17578

Re: Fellow TDA bogleheads

That's good news. Maybe they have changed their tune on free trades in HSAs after customer reaction to the new list this week. I could not get these in the past. Neither could I and my account goes back to the National Discount brokers mid 90's days. I don't mind switching my REIT in my Roth and HS...
by deltaneutral83
Tue Oct 17, 2017 9:09 am
Forum: Investing - Theory, News & General
Topic: Fellow TDA bogleheads [TDA dropping Vanguard ETFs from commission-free list]
Replies: 333
Views: 17578

Re: Fellow TDA bogleheads

I'll be curious to see if they give anyone a few free trades beyond Nov 21 to keep them around for a while. I'll be moving shares in kind to ME/Schwab, whichever has a a better bonus.
by deltaneutral83
Tue Oct 17, 2017 8:26 am
Forum: Investing - Theory, News & General
Topic: Fellow TDA bogleheads [TDA dropping Vanguard ETFs from commission-free list]
Replies: 333
Views: 17578

Re: Fellow TDA bogleheads

After logging into my HSA account at TDA, I saw a link to a PDF for the list of free ETFs as of 10/17/17. Also posted on the public site: https://www.tdameritrade.com/investment-products/etfs.page I only use VTI here and it is still an option. There are a total of 30 Vanguard ETFs available. I beli...
by deltaneutral83
Mon Oct 16, 2017 9:43 am
Forum: Investing - Theory, News & General
Topic: Fellow TDA bogleheads [TDA dropping Vanguard ETFs from commission-free list]
Replies: 333
Views: 17578

Re: Fellow TDA bogleheads

So how much longer will VTI be traded commission free on TDA, or is it a already over?
by deltaneutral83
Sun Oct 15, 2017 1:54 pm
Forum: Investing - Theory, News & General
Topic: Fellow TDA bogleheads [TDA dropping Vanguard ETFs from commission-free list]
Replies: 333
Views: 17578

Re: Fellow TDA bogleheads

Well, I guess I'm moving to schwab or fido. Has Schwab's Intl. fund been beating Vanguard's the last 7 years substantially or did I read that wrong?
by deltaneutral83
Sun Oct 15, 2017 12:33 pm
Forum: Investing - Help with Personal Investments
Topic: HSA investment [use guaranteed 4% or use equities]
Replies: 22
Views: 1417

Re: HSA investment [use guaranteed 4% or use equities]

The employer of the OP is probably using this guaranteed 4% to entice people to use the HDHP over PPO's as the 4% is peanuts compared to the cost of the PPO? Not sure this 4% will last forever though. Could just be a tool to get people to switch from PPO. Still, 4% guaranteed is great and if young a...
by deltaneutral83
Thu Oct 12, 2017 8:43 am
Forum: Investing - Help with Personal Investments
Topic: How to move a portfolio out of a traditional advisor service?
Replies: 18
Views: 1044

Re: How to move a portfolio out of a traditional advisor service?

OP is in the driver's seat with that amount, the Fido/Schwab/TDA's will be drooling to help you transfer from Ameriprise for free. You don't have to jump right into your self managed portfolio right off the bat, but a simple three fund I predict is what you end up doing. One thing you don't want to ...
by deltaneutral83
Tue Oct 10, 2017 8:40 am
Forum: Personal Finance (Not Investing)
Topic: HSA’s: What level of risk do you prefer?
Replies: 58
Views: 3771

Re: HSA’s: What level of risk do you prefer?

Your "HSA last dollar distributed" will be treated worse than an IRA if it is distributed to your heirs. tIRA dollars can be stretched. HSA dollars are immediately taxable. I pray that I have this "problem." If you and your spouse "cross the finish line" without having medical expenses become an is...
by deltaneutral83
Mon Oct 09, 2017 8:41 pm
Forum: Personal Finance (Not Investing)
Topic: HSA’s: What level of risk do you prefer?
Replies: 58
Views: 3771

Re: HSA’s: What level of risk do you prefer?

I'm surprised to see everyone in stocks. I thought the trend would be far more conservative investments for a medical vehicle. Plenty of people pay out of pocket and utilize the tax advantaged space the HSA yields as part of their overall AA. A dollar here is a dollar there when it comes to expenses.
by deltaneutral83
Mon Oct 09, 2017 8:19 pm
Forum: Personal Consumer Issues
Topic: My Son is buying a 2017 Toyota RAV 4
Replies: 28
Views: 3058

Re: My Son is buying a 2017 Toyota RAV 4

Buying a reliable, moderately priced new car with a loan is a reasonable choice for a young person with stable employment and no significant other debt. I wish I had done the same when I was starting out in my first job. I bought a cheap used car. I could have easily afforded a good one and traveli...
by deltaneutral83
Mon Oct 09, 2017 10:33 am
Forum: Investing - Help with Personal Investments
Topic: Windfall and advice
Replies: 45
Views: 3529

Re: Windfall and advice

Even with what appears to be a 5 fund portfolio (US Total, Intl Tot, REIT, Small Cap, Bonds) I don't really think you need to re balance more than once a year. Could even consider going with the 3F to ease re-balancing concerns. Whatever you are contemplating paying an adviser (30 bps with VG, or wh...
by deltaneutral83
Fri Oct 06, 2017 9:11 pm
Forum: Investing - Theory, News & General
Topic: Time Value of Money (Young Investors)
Replies: 29
Views: 1911

Re: Time Value of Money (Young Investors)

I just want to know what these alternatives other people are passively doing to plan ahead instead of equities. If the next 40 years are even a full 2% CAGR lower than the previous 40 years the S&P will have done it's part for my purposes. Heck we can even go 45 years and enter the market in Novembe...
by deltaneutral83
Fri Oct 06, 2017 1:22 pm
Forum: Investing - Help with Personal Investments
Topic: Return Assumptions over Next 15 years
Replies: 13
Views: 1115

Re: Return Assumptions over Next 15 years

Do these projections include reinvested divs or not? I always see authors of these articles distinguish between real and nominal but not if the divs are reinvested.
by deltaneutral83
Thu Oct 05, 2017 8:01 am
Forum: Investing - Help with Personal Investments
Topic: Bank of America - BAC
Replies: 16
Views: 1289

Re: Bank of America - BAC

Had a buddy who worked there during the crisis. I asked him how it was going in an email, he responded back with a picture of a pack of cigarettes. I said "What's this supposed to mean" and he said "one share of my company costs less than a pack of cigarettes." So I'm guessing that was right about F...
by deltaneutral83
Wed Oct 04, 2017 1:46 pm
Forum: Investing - Help with Personal Investments
Topic: Chickened out... Now unsure where to start.
Replies: 33
Views: 3704

Re: Chickened out... Now unsure where to start.

Thanks again for all of the valuable feedback. I am really blown away by the thought put into a lot of the responses. Only wish I had found this community earlier this summer. Don't know if it will ease your mind but timing the market at an all time high is better than a free fall like 2008. If thi...
by deltaneutral83
Wed Oct 04, 2017 11:29 am
Forum: Investing - Help with Personal Investments
Topic: HSA fees??
Replies: 12
Views: 881

Re: HSA fees??

Well, $100 a year would be 50 bps on $20,000. If you're single that would take several years to get to with no use of funds assuming you're investing in equites.
by deltaneutral83
Wed Oct 04, 2017 8:12 am
Forum: Investing - Help with Personal Investments
Topic: Should I max out my Roth IRA as an 18 year old?
Replies: 15
Views: 807

Re: Should I max out my Roth IRA as an 18 year old?

One thing I would entertain is just putting it into US Total instead of a target date fund for the amount you've allocated toward investing. While there will be plenty of opinions, I wouldn't want bonds in my portfolio at 18 (or 28 for that matter) unless you have won the game or some other rarity a...
by deltaneutral83
Wed Oct 04, 2017 8:03 am
Forum: Investing - Help with Personal Investments
Topic: Are you investing in Emerging Market small caps?
Replies: 25
Views: 1700

Re: Are you investing in Emerging Market small caps?

If that's included in VSS, then yes I am as I use 90/10 VEU/VSS to build VXUS.
by deltaneutral83
Wed Oct 04, 2017 7:42 am
Forum: Investing - Help with Personal Investments
Topic: TD ameritrade to lazy portfolio
Replies: 6
Views: 674

Re: TD ameritrade to lazy portfolio

You must sign up as mentioned for commission free trades for ETFs, it is 3 mouse clicks. Also, you cannot sell within 30 days of any buy of the same ETF. If you buy one share of VTI on Oct 1, you must wait 30 calendar days (Oct 31) to sell any portion of your VTI or you will be hit with the $19.99 f...
by deltaneutral83
Tue Oct 03, 2017 4:26 pm
Forum: Investing - Theory, News & General
Topic: Investor willing to make second bet with Buffett
Replies: 6
Views: 969

Re: Investor willing to make second bet with Buffett

Not hard to be confident when this hedge fund is probably of the 2 and 20 variety. Also, will the Hedge Fund be buying and selling large cap equities, I assume Buffet will make this guy stick to an apples to apples comparison.
by deltaneutral83
Mon Oct 02, 2017 1:35 pm
Forum: Investing - Theory, News & General
Topic: The Future of Active vs Index Investing
Replies: 33
Views: 2514

Re: The Future of Active vs Index Investing

There will always be active investing. It's taken for granted around here that everyone in this country has the emotional ability to submit those 5 and six figure buy orders and not panic during 20%+ drops. People will rely on advisers. I don't see the emotional aspect of it changing anytime soon. I...
by deltaneutral83
Fri Sep 29, 2017 8:08 am
Forum: Personal Finance (Not Investing)
Topic: My boneheaded financial mistakes
Replies: 77
Views: 9651

Re: My boneheaded financial mistakes

5. Had 1000 shares of Apple stock at around $20. Sold it when it hit $25 and bought Circuit City. You win this contest, not that you'd have held on the whole way, as it split 7:1 at some point in the last 5 years I think, but it cleared an adjusted $1000/share sometime in the Spring. I didn't even ...
by deltaneutral83
Thu Sep 28, 2017 4:30 pm
Forum: Investing - Theory, News & General
Topic: Likelihood of a crash and lump sum investing
Replies: 32
Views: 2688

Re: Likelihood of a crash and lump sum investing

Not lump summing has been pretty bad the last 6 years. Unless of course you began a 12 month DCA in July 2015 and DCA'd through July 2016. Did you properly identify this 12 month period in advance?
by deltaneutral83
Thu Sep 28, 2017 2:27 pm
Forum: Investing - Theory, News & General
Topic: Why do you LBYM? Why do you save and invest?
Replies: 204
Views: 14440

Re: Why do you LBYM? Why do you save and invest?

For me, I'm competitive, and money is a game. The same rush of dopamine that most millennials get when they get "likes" on social media I get from buying something below market value. Bigger the item/savings, bigger the rush for me. The mentality hammered home a long time ago by my dad has stuck. I ...
by deltaneutral83
Tue Sep 26, 2017 2:35 pm
Forum: Investing - Help with Personal Investments
Topic: Help with bad 401(k) fund choices
Replies: 18
Views: 1061

Re: Help with bad 401(k) fund choices

You have a SP 500 fund with an ER of .11 and an employer match of 6%. You, my friend, have much to be thankful for. Very thankful of course, but relatively poor fund options compared to my previous employer. There is very little difference in the best 401k options out there and what you have. I don...
by deltaneutral83
Tue Sep 26, 2017 9:43 am
Forum: Personal Consumer Issues
Topic: I ran out of credit card signups bonus...
Replies: 75
Views: 7434

Re: I ran out of credit card signups bonus...

For Bogleheads with biggish investable assets, the brokerage bonus game yields a lot more bang for the work required. Can you give an example? I'd like to look into this. Also, how do you avoid "selling and rebuying" aka a taxable event when switching? Bogleheads have been transferring assets "in-k...
by deltaneutral83
Tue Sep 26, 2017 7:43 am
Forum: Personal Finance (Not Investing)
Topic: Coworker asked me about a adviser
Replies: 24
Views: 3297

Re: Coworker asked me about a adviser

Agreed, it is difficult enough to learn about passive vs. active by reading alone (at least for me). Even when you make the switch/rollover and you open an account(s) with VG/Schwab/TDA/Fido or whatever it can be emotionally paralyzing to put in your first order that has 4/5 zero's no matter how muc...
by deltaneutral83
Mon Sep 25, 2017 8:43 am
Forum: Investing - Help with Personal Investments
Topic: Pay student loans versus invest
Replies: 14
Views: 961

Re: Pay student loans versus invest

Poppy1234 wrote:
Mon Sep 25, 2017 1:39 am
I know this is a very individualized question, just wondering what others would do. Thanks!
When it comes to a guaranteed 6.5% return in the market (tax issues on SL notwithstanding), this is a no brainer and not individualized. Pay down the SL's once the 401k match has been met.
by deltaneutral83
Sat Sep 23, 2017 10:45 am
Forum: Investing - Help with Personal Investments
Topic: $3.6 million at age 25 - need investment advice
Replies: 44
Views: 5392

Re: $3.6 million at age 25 - need investment advice

See a CPA and get all that straight, and do that ASAP. Going to your day job without the burden of the stress of the Bitcoin may be refreshing. Live off that $60k at the day job for a year or two and see how that goes. I'd have the $2M in 75/25 VTI/VXUS. I say that because I doubt you'll care about ...
by deltaneutral83
Fri Sep 22, 2017 9:35 am
Forum: Investing - Help with Personal Investments
Topic: Warren Buffett and Bond Funds
Replies: 33
Views: 3054

Re: Warren Buffett and Bond Funds

As mentioned, Buffet has 99% of his wealth in Berkshire, his 90/10 US Equities/Treasury allocation IS for normal people. There are a lot of people who would love to go back 40 years when Bogle started his 500 fund and execute this allocation.
by deltaneutral83
Fri Sep 22, 2017 7:50 am
Forum: Investing - Help with Personal Investments
Topic: Investment Advice-Whole life,Vanguard,Roth IRA?
Replies: 16
Views: 814

Re: Investment Advice-Whole life,Vanguard,Roth IRA?

Do my student loan interest rates actually seem that high to you? I'm at the point where I haven't even received any collection notices on minimum payments or anything so it's pretty early in the game.. but I honestly thought my rates weren't that bad. I didn't think I could counter them with inves...
by deltaneutral83
Thu Sep 21, 2017 3:49 pm
Forum: Investing - Help with Personal Investments
Topic: Investment Advice-Whole life,Vanguard,Roth IRA?
Replies: 16
Views: 814

Re: Investment Advice-Whole life,Vanguard,Roth IRA?

You interest rates on your student loans were not posted in the OP, so people are going to be on board with a Roth. However, with those astronomical rates, your life is pretty simple right now. Invest your 401k up to the match in the lowest cost funds they offer, and the rest goes toward student deb...
by deltaneutral83
Thu Sep 21, 2017 8:13 am
Forum: Personal Finance (Not Investing)
Topic: Realtor to buy home?
Replies: 36
Views: 2929

Re: Realtor to buy home?

In most states the home seller enters into a listing contract that stipulates that they agree to pay 6-7% commission to the listing agent (aka the selling agent). If the listing agent brings a buyer to the home seller the commission is then paid in full to the listing agent. If any other agent brin...
by deltaneutral83
Thu Sep 21, 2017 7:46 am
Forum: Personal Finance (Not Investing)
Topic: Realtor to buy home?
Replies: 36
Views: 2929

Re: Realtor to buy home?

Sellers usually pay all realtor commissions (at least in my area), so unless your son specifically gets the house for a lower amount due to the seller not having to pay a buyers agent commission, there is no harm in using one. Not exactly. If I don't bring a realtor to the table the seller knows (a...
by deltaneutral83
Wed Sep 20, 2017 2:26 pm
Forum: Investing - Theory, News & General
Topic: Any "average Joe" here actually make out well with individual stocks?
Replies: 108
Views: 12521

Re: Any "average Joe" here actually make out well with individual stocks?

In a past life I worked in an occupation that gave me insight into a wide variety of clients' investment accounts - many of the investors who were doing very well were invested in individual stocks. The wrinkle - these people are not trying to find the next "hot stock" or chasing returns. They are ...
by deltaneutral83
Wed Sep 20, 2017 11:31 am
Forum: Investing - Help with Personal Investments
Topic: Does bid-ask spread matter with automatic reinvestment?
Replies: 14
Views: 706

Re: Does bid-ask spread matter with automatic reinvestment?

1. I don't want an accurate comparison. I want to buy at a lower price . Of course, I am not trading at the same time as automated reinvestment happens. The fact that Vanguard uses the opening cross does mean that if I bought shares at the same time, then I would get the same price that Vanguard ge...
by deltaneutral83
Wed Sep 20, 2017 10:20 am
Forum: Investing - Help with Personal Investments
Topic: Does bid-ask spread matter with automatic reinvestment?
Replies: 14
Views: 706

Re: Does bid-ask spread matter with automatic reinvestment?

Automatic reinvestment of dividends paid by ETFs is tricky and there is no one way that is always better. I think the costs are dominated by round-off error and how your broker decides when to buy and what price to pay not by the bid/ask spread. Here is a thread about round-off error, in this case ...
by deltaneutral83
Wed Sep 20, 2017 8:24 am
Forum: Investing - Help with Personal Investments
Topic: Getting father-in-law off of UBS & its 1.5% AUM fee
Replies: 27
Views: 2527

Re: Getting father-in-law off of UBS & its 1.5% AUM fee

To me one issue here is past performance. Yes, we know past performance shouldn't matter, but if the broker is beating some reasonable benchmark after his fees over a long term, and that's possible, don't even think about arguing . Then there is spending, which you haven't addressed. If you sincere...
by deltaneutral83
Tue Sep 19, 2017 4:14 pm
Forum: Investing - Theory, News & General
Topic: Any "average Joe" here actually make out well with individual stocks?
Replies: 108
Views: 12521

Re: Any "average Joe" here actually make out well with individual stocks?

People do not come onto message boards to post their 6 figure losses or combined 6 figure losses, or dare I say 7 for the high rollers on here. C'mon, lots of folks posted on this forum about big losses in 2008-2009. It's one the main reasons I have paid any cap gains taxes since about 1999 and als...
by deltaneutral83
Tue Sep 19, 2017 4:10 pm
Forum: Investing - Help with Personal Investments
Topic: Getting father-in-law off of UBS & its 1.5% AUM fee
Replies: 27
Views: 2527

Re: Getting father-in-law off of UBS & its 1.5% AUM fee

1.5% AUM on a million, wow, adviser probably rakes what, 80% of that, so 1.2%?
by deltaneutral83
Tue Sep 19, 2017 3:43 pm
Forum: Investing - Theory, News & General
Topic: Any "average Joe" here actually make out well with individual stocks?
Replies: 108
Views: 12521

Re: Any "average Joe" here actually make out well with individual stocks?

People do not come onto message boards to post their 6 figure losses or combined 6 figure losses, or dare I say 7 for the high rollers on here. Plenty out there who locked in big losses whether it be single stocks or mutual funds back in 2008 anyhow for one reason or another. Human psychology at wor...
by deltaneutral83
Tue Sep 19, 2017 3:25 pm
Forum: Investing - Theory, News & General
Topic: 401(k)/403(b) Conversion to Roth IRA
Replies: 22
Views: 2100

Re: 401(k)/403(b) Conversion to Roth IRA

It sounds like you are thinking of capital gains. That's applicable to taxable accounts. For IRAs, any distributions of pretax money, whether for conversion or not, are added to ordinary income. So in the 15% bracket they're taxed at 15%, in 25% bracket at 25%, and so on. Understood, thank you for ...
by deltaneutral83
Tue Sep 19, 2017 1:52 pm
Forum: Investing - Theory, News & General
Topic: 401(k)/403(b) Conversion to Roth IRA
Replies: 22
Views: 2100

Re: 401(k)/403(b) Conversion to Roth IRA

I am bumping this thread but I have read a few articles but none that break it down to where I can understand. Anything in the 15% marginal tax bracket (for a trad 401k conversion to Roth) constitutes a 0 tax burden? Anything over the 15% tax bracket and into the 25% tax bracket constitutes a 25% ta...