Search found 1583 matches

by deltaneutral83
Fri May 29, 2020 10:13 am
Forum: Personal Investments
Topic: How to invest for the next 20 years?
Replies: 13
Views: 1008

Re: How to invest for the next 20 years?

A $437,000 SPIA would probably pay around $2,500/month. You can play around with this calculator to get an idea of payouts --- https://www.immediateannuities.com/a/guarantee-your-retirement-2.html?gclid=EAIaIQobChMIn4ux06vZ6QIV1CCtBh3smAzJEAAYASAAEgJTWPD_BwE I did a quote and life was less monthly ...
by deltaneutral83
Thu May 28, 2020 12:50 pm
Forum: Personal Investments
Topic: Small Cap Blend vs Small Cap Value
Replies: 37
Views: 6375

Re: Small Cap Blend vs Small Cap Value

As JoMoney notes, the reason why the perception VBR is a small cap value fund is because it’s called “Small Cap Value Index Fund”. Has Vanguard given an updated reason why they continue to push VBR over VIOV for investors seeking small cap value? Why would they need to give a reason? There is no in...
by deltaneutral83
Thu May 28, 2020 10:40 am
Forum: Investing - Theory, News & General
Topic: Anyone screwed up timing the market?
Replies: 69
Views: 5251

Re: Anyone screwed up timing the market?

What they don't tell you about market timing is the absolute relief you feel when the market continues to tank as anyone who sold before March 23 knows. It's euphoric. The problem is the market whipsaws back the other way before you even had time to kick up you feet and relax. And then the paralysi...
by deltaneutral83
Thu May 28, 2020 10:00 am
Forum: Personal Investments
Topic: Betterment liquidated my investments without my authorization
Replies: 75
Views: 5274

Re: Betterment liquidated my investments without my authorization

I really wish this kind of thing could get worked out in the future, I never understood why it's so hard when doing 401k to Rollover why things have to be liquidated rather than in kind . I know this was IRA to different broker's IRA. That being said, I'd wait until the volatility and 4% daily swing...
by deltaneutral83
Thu May 28, 2020 9:40 am
Forum: Personal Investments
Topic: Small Cap Blend vs Small Cap Value
Replies: 37
Views: 6375

Re: Small Cap Blend vs Small Cap Value

Jags4186 wrote:
Thu May 28, 2020 9:25 am
As JoMoney notes, the reason why the perception VBR is a small cap value fund is because it’s called “Small Cap Value Index Fund”.
Has Vanguard given an updated reason why they continue to push VBR over VIOV for investors seeking small cap value?
by deltaneutral83
Thu May 28, 2020 9:35 am
Forum: Investing - Theory, News & General
Topic: Anyone screwed up timing the market?
Replies: 69
Views: 5251

Re: Anyone screwed up timing the market?

Selling in March may have been a bad idea, but waiting for the market to "come down again" is probably much worse. Even if you sold everything at the low on March 23, you have only missed out on a partial recovery. The market is still 12% or so below all-time highs, with a new tsunami of fiscal sti...
by deltaneutral83
Thu May 28, 2020 8:26 am
Forum: Personal Investments
Topic: Small Cap Blend vs Small Cap Value
Replies: 37
Views: 6375

Re: Small Cap Blend vs Small Cap Value

Small cap blend historically outperforms large cap blend, small cap value historically outperforms small cap blend. Vanguards small cap blend and value funds are both not very small. Closer to midcap funds. Midcaps have also historically outperformed large cap blend... All this to say, if you want ...
by deltaneutral83
Wed May 27, 2020 8:41 am
Forum: Investing - Theory, News & General
Topic: Bogleheads: What is your largest single stock holding? (if any)
Replies: 79
Views: 3914

Re: Bogleheads: What is your largest single stock holding? (if any)

Don't we all own 2% of MSFT, AAPL, and AMZN in S&P or TSM?
by deltaneutral83
Tue May 26, 2020 10:00 am
Forum: Investing - Theory, News & General
Topic: Alarming Bid/Ask Spreads on ETFs
Replies: 74
Views: 4890

Re: Alarming Bid/Ask Spreads on ETFs

The SCV index from VG (VIOV) had a 40 cents spread on $80 it was trading at at the beginning of April so that would be half a %. Not sure where OP would be looking to get the wild numbers stated (2%), perhaps after hours. I placed limit orders at the midway point and split the difference on all my T...
by deltaneutral83
Mon May 25, 2020 7:38 pm
Forum: Personal Investments
Topic: Taxable account has higher returns?
Replies: 18
Views: 1523

Re: Taxable account has higher returns?

What is "play it right"? In future (say after 20 years), taxes will go up... Our kids are old and we cant claim them as dependents... Mortgage is paid off . There is currently no capital gains tax up to the top of the 12% tax bracket plus any deductions including the standard I believe. Let's say y...
by deltaneutral83
Mon May 25, 2020 5:01 pm
Forum: Personal Investments
Topic: Taxable account has higher returns?
Replies: 18
Views: 1523

Re: Taxable account has higher returns?

The max limit for a roth 401k is $19500 and IRA is $6000 per year Combined that is $25500 max limit per year. Taxable accounts have no limits. So if I'm investing $10k per month, I'll have way more money invested annually in the stock market correct ? Even after paying the 15% long term capital gai...
by deltaneutral83
Mon May 25, 2020 12:40 pm
Forum: Personal Investments
Topic: Where and when to put $400K cash that's in an IRA
Replies: 6
Views: 471

Re: Where and when to put $400K cash that's in an IRA

What was the rationale for moving the money into a rollover from TSP during this volatile time as opposed to waiting? Honestly, 3% really isn't that big of a move given what has recently taken place the last 90 days.
by deltaneutral83
Sun May 24, 2020 8:51 pm
Forum: Personal Investments
Topic: When to start investing again?
Replies: 11
Views: 1184

Re: When to start investing again?

OP, you are one of the lucky ones, you have completed the first half of successful market timing. You can complete this by figuring out your true asset allocation and executing a buy order first thing Tuesday morning and lock in a very sizable gain. Even if you sold at the lows in Jan the S&P is 8% ...
by deltaneutral83
Sun May 24, 2020 9:07 am
Forum: Personal Finance (Not Investing)
Topic: Approaching 40, worried about financial future
Replies: 121
Views: 12155

Re: Approaching 40, worried about financial future

My $0.02: House is too much on income (4x), how is going from $400k to $350k a big difference with costs of move/sale? If it's done, then it's done. Spouse or OP need a side hustle to generate enough side income to get company match/max Roths-HSA. OP is in the 12% tax bracket with plenty of space as...
by deltaneutral83
Sat May 23, 2020 3:48 pm
Forum: Personal Investments
Topic: Has anyone ever used their Emergency Fund?
Replies: 92
Views: 7163

Re: Has anyone ever used their Emergency Fund?

Call liquidity whatever you want (emergency fund, cash reserves, cash on the side lines, dry powder, etc. etc.) but would you rather have too much earning next to nothing and never need it and live a drama free life or not have much/any and have to take permanent life altering loss; and then of cour...
by deltaneutral83
Sat May 23, 2020 1:41 pm
Forum: Personal Investments
Topic: Thinking of selling some SP 500 to buy more Wells Fargo
Replies: 73
Views: 4814

Re: Thinking of selling some SP 500 to buy more Wells Fargo

Yes I am in the USA. I think a lot of people invested individual stocks, but a lot more people investing in indexes now. I think Wells Fargo has changed leadership, they didn’t do anything very bad but just created some fake accounts . All companies are here for profit,morally I don’t see too much ...
by deltaneutral83
Fri May 22, 2020 9:58 am
Forum: Investing - Theory, News & General
Topic: Another couple of TLH wash sale questions -- sorry!
Replies: 17
Views: 827

Re: Another couple of TLH wash sale questions -- sorry!

So day 1, sell fund A into fund B. Day 25, Fund B goes Ex-D. Day 32 market is down further, sell Fund B and go back into Fund A. Result, Fund B's div is non qualified and the div amount is considered a wash sale and the amount is added to the cost basis back into Fund A?
by deltaneutral83
Thu May 21, 2020 3:23 pm
Forum: Investing - Theory, News & General
Topic: Small Cap Value heads Rejoice !!!
Replies: 1496
Views: 121618

Re: Small Cap Value heads Rejoice !!!

caklim00 wrote:
Thu May 21, 2020 10:22 am
If you abandoned your tilt a month ago you have to be kicking yourself right now (1 month returns below)
AVUV +13.75%
SPY +6.33%
MTUM +6.03%

Time will tell if it continues like this or if LCG continues to outperform.
I'll wait to pop the champagne when we get back to August 2018 levels
by deltaneutral83
Thu May 21, 2020 2:32 pm
Forum: Personal Investments
Topic: I freaked out…now what?
Replies: 60
Views: 6096

Re: I freaked out…now what?

The decision to sell on March 13 was brilliant, S&P shot up like a rocket that day only to lose 17% over the next 10 calendar days. The not having a plan and not getting in March 23 is the bad part. A lot of people don't even get the first part right which OP did. You can now see a successful market...
by deltaneutral83
Thu May 21, 2020 9:47 am
Forum: Personal Investments
Topic: Moved all Retirement Plans to Cash Last Wed Based on Tepper's Call
Replies: 95
Views: 11473

Re: Moved all Retirement Plans to Cash Last Wed Based on Tepper's Call

I have read some variant of this thread many, many times, but here goes. I went all cash in my retirement plans (401a,403b,457b) based on Tepper's call last Wed, that the market is the most overvalued he's ever seen except in 1999. His arguments made a lot of sense (also the bearish sentiments of D...
by deltaneutral83
Wed May 20, 2020 4:00 pm
Forum: Personal Investments
Topic: Total international differences: VXUS vs IXUS
Replies: 11
Views: 8674

Re: Total international differences: VXUS vs IXUS

VXUS is 8 bps now anyway, IXUS is 9.
by deltaneutral83
Wed May 20, 2020 3:45 pm
Forum: Personal Investments
Topic: Move Total International from Roth IRA to 401k/403b?
Replies: 20
Views: 654

Re: Move Total International from Roth IRA to 401k/403b?

Intl for me is in taxable to get the foreign tax credit. As far as the Roth, the expected return on Intl is much higher than domestic if you believe in that whole reversion to the mean, but again, foreign tax credit. In fact, Intl could outperform domestic by a lot and still not catch up over the ne...
by deltaneutral83
Wed May 20, 2020 2:28 pm
Forum: Personal Investments
Topic: HSA, Inflation and reimbursements
Replies: 4
Views: 259

Re: HSA, Inflation and reimbursements

US TSM (for me VTI) has crushed inflation and you can cherry pick the worst point in time since HSA's were created such as October 2007. I am betting on this also being true going forward but no guarantees.
by deltaneutral83
Tue May 19, 2020 3:51 pm
Forum: Personal Investments
Topic: ETF versus MF
Replies: 29
Views: 1518

Re: ETF versus MF

ETF transactions involve spreads, premiums, discounts, limit orders, market orders, etc. MF transactions are "buy" or "sell", much simpler. For any major TSM/S&P/Tot Intl fund the spread is less than negligible. With HSA's becoming popular the last few years as far as investing, at some point, most...
by deltaneutral83
Tue May 19, 2020 1:19 pm
Forum: Forum Issues and Administration
Topic: New bogleheads induction [Request for new subforum]
Replies: 55
Views: 3122

Re: New bogleheads induction [Request for new subforum]

The only thing I would suggest is to combine all the old threads on International, Pay Mortgage or Invest, and DCA vs Lump Sum and pin them somewhere. Many of the top contributors to this forum have posted gems in those threads years ago and I don't blame those that do not want to keep posting the s...
by deltaneutral83
Tue May 19, 2020 12:57 pm
Forum: Personal Investments
Topic: Do prices matter for a long term investor?
Replies: 13
Views: 1449

Re: Do prices matter for a long term investor?

One might want to be aware but also note that for 99.9% of us, it isn't actionable.
by deltaneutral83
Tue May 19, 2020 11:25 am
Forum: Personal Investments
Topic: Advice on Mom's retirement accounts
Replies: 14
Views: 970

Re: Advice on Mom's retirement accounts

Splicing up the total market is sketchy to me. Who has the time and what good is it, possibly more efficient tax lost harvesting? At the age of the account holder, not even close to being worth it unless I'm missing something? I don't necessarily disagree with the bond issue, she's in a low tax brac...
by deltaneutral83
Mon May 18, 2020 1:50 pm
Forum: Investing - Theory, News & General
Topic: Berkshire SPY & VOO
Replies: 11
Views: 937

Re: Berkshire SPY & VOO

The options market is my guess, maybe they sell covered calls against SPY holding(s)? SPY is much more liquid and bid/asks are near 0. I will say that being 3x more expensive ( 9 bps for SPY and 3 for VOO) is not non trivial. 6 bps over time isn't worth fretting too much about if it's the best you c...
by deltaneutral83
Mon May 18, 2020 7:44 am
Forum: Personal Investments
Topic: time to buy small cap value?
Replies: 10
Views: 610

Re: time to buy small cap value?

Jack FFR1846 wrote:
Mon May 18, 2020 7:07 am
5% is meaningless. Go ahead. Or don't. The results will be indistinguishable.
What about if you made the move in August 2018 and only now it's down to 5%?
by deltaneutral83
Sun May 17, 2020 12:14 pm
Forum: Personal Investments
Topic: Large inheritance -- looking for advice
Replies: 65
Views: 9927

Re: Large inheritance -- looking for advice

I wouldn't mind understanding why naming beneficiaries on taxable accounts can be a bad thing for an estate? There may not be enough money in the estate to pay debts, expenses and taxes. The executors may have to chase the TOD beneficiaries. Some may resist. That will result in unnecessary expense....
by deltaneutral83
Sun May 17, 2020 10:45 am
Forum: Personal Investments
Topic: Large inheritance -- looking for advice
Replies: 65
Views: 9927

Re: Large inheritance -- looking for advice

I wouldn't mind understanding why naming beneficiaries on taxable accounts can be a bad thing for an estate?
by deltaneutral83
Sun May 17, 2020 10:01 am
Forum: Personal Finance (Not Investing)
Topic: Pay off Tesla as Planned or Keep Cash for Covid Uncertainty?
Replies: 62
Views: 3734

Re: Pay off Tesla as Planned or Keep Cash for Covid Uncertainty?

You mention the cost of the 3.99% interest, and yes over time that adds up, but choosing to keep the loan for 6 more months will cost you $680. Is that a lot for your household? Only you can answer that. Calculating the cost in real dollars is better than comparing interest rates. I do this often t...
by deltaneutral83
Sat May 16, 2020 3:21 pm
Forum: Personal Investments
Topic: Please tell me I'm not crazy [Best way to manage an EF?]
Replies: 171
Views: 10394

Re: Please tell me I'm not crazy [What to do with "idle" cash?]

Again – can't STAND the idea of 6 months worth of cash sitting around You'd be one of the lucky ones if you can go your career with minimal cash (like fewer than 6 months expenses), 100% equities, and plenty of debt with few to no hiccups along the way, both systematic issues within the economy and...
by deltaneutral83
Fri May 15, 2020 10:20 am
Forum: Personal Finance (Not Investing)
Topic: Selling home - low ball negotiation
Replies: 145
Views: 12077

Re: Selling home - low ball negotiation

In your jobs, do you not really care whether you do a good job or not because you’re going to get paid anyway? A realtor or financial advisor who’s attitude is “who cares, I’m getting my money” isn’t going to last long and I don’t think most think this way. I am sincerely happy for anyone who has h...
by deltaneutral83
Fri May 15, 2020 7:41 am
Forum: Personal Finance (Not Investing)
Topic: Term Life Insurance- What to do at end of Term?
Replies: 37
Views: 2463

Re: Term Life Insurance- What to do at end of Term?

Why would it not be prudent to purchase it the day you decide to procreate? I would be petrified to go 9 months without it, stuff happens every day. If you wind up being insured for a few months or even a year or two longer than you need that's a lot better than the alternative.
by deltaneutral83
Thu May 14, 2020 3:59 pm
Forum: Investing - Theory, News & General
Topic: 2020 Bogleheads Conference Update
Replies: 27
Views: 2663

Re: 2020 Bogleheads Conference Update

In his real job, our volunteer Boglehead videographer is a heart surgeon, so that certainly takes priority. He's also serving on the Board of Directors of The John C. Bogle Center for Financial Literacy, so he has a lot on his plate. They will be posted in due time; he hasn't failed us yet. Mel I w...
by deltaneutral83
Thu May 14, 2020 2:21 pm
Forum: Personal Finance (Not Investing)
Topic: Personally guaranteed business loan
Replies: 13
Views: 775

Re: Personally guaranteed business loan

Without knowing the full details the amount of guarantors doesn't proportionally split up what's due from each equally. Each is responsible for the entire debt most likley. If the partner has $100k of assets to his name that's an easy BK for him if the business fails and then the full balance comes ...
by deltaneutral83
Thu May 14, 2020 1:49 pm
Forum: Investing - Theory, News & General
Topic: 2020 Bogleheads Conference Update
Replies: 27
Views: 2663

Re: 2020 Bogleheads Conference Update

TravelGeek wrote:
Thu May 14, 2020 12:35 pm
deltaneutral83 wrote:
Thu May 14, 2020 12:31 pm
Did they ever get videos posted of the 2019 conference?
https://vimeo.com/channels/bogleheads/v ... :thumbnail appears to have one video from 2019.
Yea they said they were working on posting the videos but that was months ago. would love to see the other videos.
by deltaneutral83
Thu May 14, 2020 12:31 pm
Forum: Investing - Theory, News & General
Topic: 2020 Bogleheads Conference Update
Replies: 27
Views: 2663

Re: 2020 Bogleheads Conference Update

Did they ever get videos posted of the 2019 conference?
by deltaneutral83
Thu May 14, 2020 10:53 am
Forum: Investing - Theory, News & General
Topic: AQR/Asness on the Death of Value...Which Vanguard ETFs to Get?
Replies: 43
Views: 3504

Re: AQR/Asness on the Death of Value...Which Vanguard ETFs to Get?

Where are you guys buying AVUV, merril edge does not allow it. Fidelity. If my brokerage couldn't buy something like AVUV I would find a new brokerage. I called in and got put on hold after asking why AVUV wasn't available and the rep got back to me and said that Merrill doesn't allow actively trad...
by deltaneutral83
Thu May 14, 2020 9:34 am
Forum: Investing - Theory, News & General
Topic: AQR/Asness on the Death of Value...Which Vanguard ETFs to Get?
Replies: 43
Views: 3504

Re: AQR/Asness on the Death of Value...Which Vanguard ETFs to Get?

Where are you guys buying AVUV, merril edge does not allow it.
by deltaneutral83
Wed May 13, 2020 1:42 pm
Forum: Personal Finance (Not Investing)
Topic: Turning 30. Living 30s without regrets
Replies: 87
Views: 9461

Re: Turning 30. Living 30s without regrets

Being 30 and making enough to utilize a mega back door and knowing how to execute it give me the impression that money won't be an issue going forward for OP and other areas of interest are far more important like family and health. OP can easily "buy time" now to spend in these areas.
by deltaneutral83
Wed May 13, 2020 7:56 am
Forum: Personal Finance (Not Investing)
Topic: $2 million dollar house pre requisites
Replies: 109
Views: 9758

Re: $2 million dollar house pre requisites

Hopefully 20% down, and an income that is no less than 1/3 the remaining mortgage. Hopefully no more than 30% of net income to pay PITI. Those are very general terms. I know a lot of people over the years who became house poor and it caused problems in many areas of life. I also know a lot of BH typ...
by deltaneutral83
Tue May 12, 2020 5:54 pm
Forum: Personal Investments
Topic: Personal Capital Advisory Services
Replies: 8
Views: 659

Re: Personal Capital Advisory Services

Anybody can beat the S&P since 1990 by picking and choosing funds that did just that, hence the overweight to small cap. Will that happen going forward, who knows. You won't find many out there that can overcome 89 bps AUM + trade costs in a taxable account over 20 years. It's just an enormous task....
by deltaneutral83
Tue May 12, 2020 2:56 pm
Forum: Personal Finance (Not Investing)
Topic: Dental Insurance - To but or not to buy
Replies: 17
Views: 1039

Re: Dental Insurance - To but or not to buy

It isn't pre paying if you pay more than the annual cost of 2 visits per year plus 1 set of Xray's. The difference (assuming one considers two cleaning and one set of annual x rays to be relevant) is the insurance part against fillings, cavities, etc etc, that has a value folks. I believe you also g...
by deltaneutral83
Mon May 11, 2020 9:52 am
Forum: Personal Investments
Topic: Recession coming (?) any change in investments?
Replies: 82
Views: 7160

Re: Recession coming (?) any change in investments?

Honestly, 60/40 AA gives you the insurance to know that even in a 60% downturn, you are likely to lose less than 30% of your portfolio with the bonds kicking in and doing their part. This is the perfect time frame where you are thrilled not to have any more stocks. I can't imagine adjusting any lowe...
by deltaneutral83
Wed May 06, 2020 8:27 am
Forum: Investing - Theory, News & General
Topic: Trying to understand Merriman portfolio options
Replies: 32
Views: 1788

Re: Trying to understand Merriman portfolio options

Seems to me a 10-15% tilt to SCV above what is included in the TSM gets you most of the PM portfolio at least for his buy and hold. 10 funds is simply unrealistic for 99% of DIY'ers and probably even 85% of Bogleheads. Also ask yourself if a decade of under performance is something you can handle? W...
by deltaneutral83
Sun May 03, 2020 3:37 pm
Forum: Investing - Theory, News & General
Topic: Why doesn't Warren Buffett follow his own advice?
Replies: 15
Views: 2301

Re: Why doesn't Warren Buffett follow his own advice?

I would bet the odds of being a stock picker and consistently beating the relative benchmark(s) for the companies you select for, say, 20 years is the same ratio as professional athletes having a 4+ year career (i.e. getting the "second contract"). Both of these relative to the public at large, with...
by deltaneutral83
Sun May 03, 2020 1:37 pm
Forum: Personal Investments
Topic: 32 and New to investing Seeking Financial Independence
Replies: 5
Views: 788

Re: 32 and New to investing Seeking Financial Independence

You want to use Roth's whenever and wherever you can in the 12% marginal bracket. Check with both employers and your IRA needs to be Roth.
by deltaneutral83
Sat May 02, 2020 3:45 pm
Forum: Investing - Theory, News & General
Topic: HSA with HSA Bank/TDA ?
Replies: 10
Views: 608

Re: HSA with HSA Bank/TDA ?

Thank you for all the replies. I've looked this over and the $1.85 was just deducted after the move of monies to the TDA side of things. So I do not think there is a monthly maintenance fee to just house money in HSABank I think it occurs once you crank up the investing arm with TDA but I think I wi...