Search found 46 matches

by whanaumark
Wed Jan 03, 2018 5:45 pm
Forum: Investing - Help with Personal Investments
Topic: Can no longer invest in Vanguard admiral funds in Chase account. Suggestions?
Replies: 53
Views: 6946

Re: Can no longer invest in Vanguard admiral funds in Chase account. Suggestions?

Due to department of labors new laws in 2017, I can no longer invest in Vaguard "admiral" level funds through my Chase Private Client account. I don't want to leave Chase Private Client because I am saving $2,000+ a year on FREE intl wire transfers they offer me. I'd give a shout out to transferwis...
by whanaumark
Wed Jan 03, 2018 5:28 pm
Forum: Investing - Help with Personal Investments
Topic: Comparing advisor's performance against VTI?
Replies: 6
Views: 809

Re: Comparing advisor's performance against VTI?

One thing to consider - even if the advisor has performed better than the projected risk allocation in the past, and a model shows this, what suggestion is there that they will continue to do so ? If anything, if he/she has outperformed, it could be argued that is better to take the outperformance m...
by whanaumark
Wed Jan 03, 2018 1:13 pm
Forum: Investing - Help with Personal Investments
Topic: How soon can I transfer money from one position to another?
Replies: 6
Views: 605

Re: How soon can I transfer money from one position to another?

Depending on the size of the position the $75 could be more than the expense saving from moving to the investor class of fund, which is what the change from VIPSX to VTIPX is. It could take many many years to earn back the difference You could be costing yourself further money by doing this. Might b...
by whanaumark
Wed Jan 03, 2018 12:29 pm
Forum: Investing - Help with Personal Investments
Topic: Reinvest Dividends and Rebalancing?
Replies: 7
Views: 1117

Re: Reinvest Dividends and Rebalancing?

I decided to send the dividends to my bank account. There would be a temptation to spend the dividends. 1/3 of the return of the SPX500 comes from reinvested dividends. The majority of bond return as well. I would log in at the end of each quarter (and only then) and rebalance using http://optimalr...
by whanaumark
Wed Jan 03, 2018 12:07 pm
Forum: Investing - Help with Personal Investments
Topic: Working on my investment portfolio
Replies: 8
Views: 1186

Re: Working on my investment portfolio

1. Can anyone provide advice on which funds to invest our Roth IRAs at Vanguard? Vanguard Total Stock Market Index VTSMX ER 0.15% Vanguard Total Stock International VGTSX ER 0.18% These are the best for domestic and international allocation. Keep bonds out of the Roth 2. Can anyone provide advice on...
by whanaumark
Sat Dec 30, 2017 10:27 am
Forum: Investing - Help with Personal Investments
Topic: 3ish Fund Portfolio, Looking for Mutual Fund for Auto-Investments
Replies: 13
Views: 970

Re: 3ish Fund Portfolio, Looking for Mutual Fund for Auto-Investments

Rightly or wrongly Vanguard members have an expectation that costs will continue to trend down because of the ownership structure of the company. The same can not necessarily be said for Fidelity. When your portfolio has grown significantly and you have potentially large taxable gains to switch (si...
by whanaumark
Sat Dec 30, 2017 10:23 am
Forum: Investing - Help with Personal Investments
Topic: Parental portfolio: help simplify and tune up
Replies: 16
Views: 1596

Re: Parental portfolio: help with a hot mess

BIG QUESTION: What is the easiest, most tax-efficient manner to move to a simpler portfolio and a 45/45/10 allocation? RELATED QUESTIONS: Aside from the “big 3” (Total Bond/Total Stock/Total Int’l Stock), would any of the funds or individual company stocks in the Vanguard accounts be worth keeping ...
by whanaumark
Sat Dec 30, 2017 2:00 am
Forum: Investing - Help with Personal Investments
Topic: 3ish Fund Portfolio, Looking for Mutual Fund for Auto-Investments
Replies: 13
Views: 970

Re: 3ish Fund Portfolio, Looking for Mutual Fund for Auto-Investments

I also don't see how Vanguard helps in this case. Rightly or wrongly Vanguard members have an expectation that costs will continue to trend down because of the ownership structure of the company. The same can not necessarily be said for Fidelity. When your portfolio has grown significantly and you ...
by whanaumark
Fri Dec 29, 2017 4:45 pm
Forum: Investing - Help with Personal Investments
Topic: 3ish Fund Portfolio, Looking for Mutual Fund for Auto-Investments
Replies: 13
Views: 970

Re: 3ish Fund Portfolio, Looking for Mutual Fund for Auto-Investments

Couple of points: 1. You can achieve the same 85/15 allocation using vanguard funds for considerably cheaper than 21bps. Use https://www.betterment.com/resources/investment-strategy/taxes/investment-switching-costs-calculate-your-costs-and-benefits/ to see if it is worth selling FFNOX and placing th...
by whanaumark
Wed Dec 20, 2017 10:12 am
Forum: Investing - Help with Personal Investments
Topic: bond portfolio
Replies: 8
Views: 938

Re: bond portfolio

It's just that so far, when I check things, everything seems to go down in tandem, both stock funds and bond funds. As I had been sitting in cash before moving to bond funds, it's somewhat disconcerting. The problem is that you are checking things, and feeling emotions about essentially random even...
by whanaumark
Sat Dec 16, 2017 6:06 pm
Forum: Investing - Help with Personal Investments
Topic: Bitcoin futures with Fidelity
Replies: 25
Views: 3045

Re: Bitcoin futures with Fidelity

I obviously don’t know what I’m talking about. I had just hoped to have a way to throw a couple hundred dollars into Bitcoin somehow and get in on the skyrocketing prices while they last. No idea how to do it. Then your best option would be to convert some money into bitcoin, not to buy and roll a ...
by whanaumark
Tue Dec 12, 2017 1:47 pm
Forum: Personal Consumer Issues
Topic: Cricket Wireless: What are the gotchas?
Replies: 38
Views: 2879

Re: Cricket Wireless: What are the gotchas?

Since you have a GSM phone it may be worth checking out mintsim.com
I've recently switched from T-mobile and have been very happy with the unlimited plan.
by whanaumark
Sun Nov 19, 2017 11:34 pm
Forum: Personal Consumer Issues
Topic: Honeymoon Suggestions
Replies: 26
Views: 2319

Re: Honeymoon Suggestions

If you can get good flights (~$700) might I suggest Bali. Plenty of great hotels for a budget, familiar food from all the Australians visiting and great prices for drinks and excursions
by whanaumark
Wed Sep 20, 2017 11:35 pm
Forum: Personal Consumer Issues
Topic: How to deal with Amazon purchases with Mint.com??
Replies: 38
Views: 7449

Re: How to deal with Amazon purchases with Mint.com??

One website to checkout for Amazon is Trim

If you link your Amazon account to them and a credit card with price protection they will automatically look for price reductions and get you the refund (they take a cut). Pretty cool IMO
by whanaumark
Fri Aug 18, 2017 12:39 am
Forum: Investing - Help with Personal Investments
Topic: TLH between VTSAX and SCHB
Replies: 13
Views: 1395

Re: TLH between VTSAX and SCHB

Just do an exchange to VLACX (VG Large Cap) after the market closes, and be done with it. Maybe you'll get a chance to harvest back to your preferred TSM someday, but longterm these funds are too close to bother with all the ETF conversion trouble. What is the difficulty in processing to an ETF ? D...
by whanaumark
Thu Aug 17, 2017 4:05 pm
Forum: Investing - Help with Personal Investments
Topic: TLH between VTSAX and SCHB
Replies: 13
Views: 1395

Re: TLH between VTSAX and SCHB

Those are substantially identical. Many BHers trade total stock market vtsax for large cap vlcax. I came onto this pair (VTSAX/SCHB) because Betterment previously used it as a TLH pair. I believe they track different indexes How do you have losses worth harvesting? I have a significant lot that wou...
by whanaumark
Thu Aug 17, 2017 2:09 pm
Forum: Investing - Help with Personal Investments
Topic: TLH between VTSAX and SCHB
Replies: 13
Views: 1395

TLH between VTSAX and SCHB

Hi there I currently have holdings of VTSAX (a mutual fund) and SCHB (ETF). I would like to perform a TLH transaction between the two, selling VTSAX and buying SCHB. In order to minimize the difference between the NAV price and price of the ETF how should I perform this transaction? My main concern ...
by whanaumark
Sun Jul 09, 2017 2:16 pm
Forum: Investing - Help with Personal Investments
Topic: Tax loss harvesting and Betterment
Replies: 26
Views: 4519

Re: Tax loss harvesting and Betterment

Why would there be taxes to leave? Betterment uses ETFs to build their portfolios, so those can be transferred in-kind to a wide variety of custodians. The taxes come about from wanting to simplify towards a 3 fund portfolio, if you have appreciated gains and don't like the portfolio features that ...
by whanaumark
Sat Jul 08, 2017 3:49 pm
Forum: Investing - Help with Personal Investments
Topic: Tax loss harvesting and Betterment
Replies: 26
Views: 4519

Re: Tax loss harvesting and Betterment

I have no interest in leaving betterment, as I am extremely happy with them and have loved the service. By all means stay, however the problem is that if they raise their fees again, then you may become 'unhappy' and have to pay a real price in taxes to leave. Like you I was happy until I found I w...
by whanaumark
Sat Jul 08, 2017 2:14 pm
Forum: Investing - Help with Personal Investments
Topic: Tax loss harvesting and Betterment
Replies: 26
Views: 4519

Re: Tax loss harvesting and Betterment

I have had it about 6 months. Is it worth it for me to turn it on? I can not get many answers on it. Do I lose money if I turn it on? Like they won't invest the same way? Or is it basically ok for me to do it? You won't lose money, although technically you assets will have to depreciate in value fo...
by whanaumark
Fri Jun 30, 2017 11:37 am
Forum: Personal Consumer Issues
Topic: Ideas for a week in Spain
Replies: 42
Views: 3422

Re: Ideas for a week in Spain

by whanaumark
Sat Jun 24, 2017 5:34 pm
Forum: Investing - Help with Personal Investments
Topic: sell some of my stocks?
Replies: 2
Views: 475

Re: sell some of my stocks?

I too have moved from individual stocks into a bogle head portfolio. No one can predict the future and tell you the "best" time to do this. Who knows, maybe the next Call of Duty will be even more terrible and Activision will go bankrupt ? If the stocks are in a nontaxable account, just pull the tri...
by whanaumark
Sat Jun 24, 2017 10:17 am
Forum: Investing - Help with Personal Investments
Topic: Is VG Total Stock Market Index too concentrated?
Replies: 52
Views: 5910

Re: Is VG Total Stock Market Index too concentrated?

I'd say the only think that this highlights is that more anti-trust regulation is needed. The FB / Google stranglehold on online advertising would surely come under scrutiny if there was greater political appetite.
by whanaumark
Wed Jun 21, 2017 8:12 am
Forum: Investing - Help with Personal Investments
Topic: Tax loss harvesting and Betterment
Replies: 26
Views: 4519

Re: Tax loss harvesting and Betterment

Once you account for marketing and software development, compliance audits and customer service based out of New York, on 100-205 employees (according to crunchbase) I think they would be breaking even at best, and burning through VC money at worst. My guess would be if an acquihire came in from a l...
by whanaumark
Tue Jun 20, 2017 2:09 pm
Forum: Investing - Help with Personal Investments
Topic: Tax loss harvesting and Betterment
Replies: 26
Views: 4519

Re: Tax loss harvesting and Betterment

It may be true that each new contribution could have the potential for TLH. However, the point is being made about the growing asset base which is not eligible for TLH which you continue to pay the 0.25% fee on despite obtaining no expected future benefit. This 100x times. The only thing that I use...
by whanaumark
Sat Jun 10, 2017 7:44 pm
Forum: Investing - Theory, News & General
Topic: Friday's Dow Jones Industrial +89.44
Replies: 24
Views: 3549

Re: Friday's Dow Jones Industrial +89.44

I read the answers ! But I never seen the DOW go up to almost 100 points and never seen my total stock mkt index loose me money with that many points. Based on being 80 years old. !!!!!!!!!!!!!!!!!!!!! [OT comment removed by admin LadyGeek] Relax and stop checking your account. There really is noth...
by whanaumark
Tue Jun 06, 2017 6:46 pm
Forum: Investing - Help with Personal Investments
Topic: Moving from Betterment to Vanguard - Need Advise
Replies: 16
Views: 2688

Re: Moving from Betterment to Vanguard - Need Advise

Value skew, should be tilt- So a portion of the US stocks is in "Total market", and a portion (around ~50%) is in Value Large, Mid and Small Cap. If it doesn't cost you any (or minimal capital gains) to get rid of it I would. In my case the bill would have been around 30k , so I decided to stick wit...
by whanaumark
Tue Jun 06, 2017 3:04 pm
Forum: Investing - Help with Personal Investments
Topic: Moving from Betterment to Vanguard - Need Advise
Replies: 16
Views: 2688

Re: Moving from Betterment to Vanguard - Need Advise

I have completed the move to Vanguard from Betterment recently. You are making a great decision and your future self will thank you :beer A couple of notes: 1. The cost basis is sent to you via csv. However Vanguard will not accept it, you need to instruct them to post it to Vanguard Brokerage Servi...
by whanaumark
Thu May 25, 2017 4:17 pm
Forum: Investing - Help with Personal Investments
Topic: Is robo for me?
Replies: 34
Views: 3800

Re: Is robo for me?

Having been with robos and left, note that if you are in any doubt, go down the DIY route. TLH is nothing to be scared about, and furthermore, robos may cost you more in taxes if there are no TLH opportunities, since in they are unable to do a full portfolio tax evaluation unless they hold your 401k...
by whanaumark
Thu May 11, 2017 6:49 pm
Forum: Investing - Help with Personal Investments
Topic: Up my Total int'l ?
Replies: 3
Views: 1094

Re: Up my Total int'l ?

What does your IPS say ?

I would recommend writing one if you do not already have one. 30% International is totally fine, I would stay the course with your current allocation.

Changing because of YTD outperformance would not be boglehead practice
by whanaumark
Wed May 03, 2017 9:22 am
Forum: Investing - Theory, News & General
Topic: R and Data Sets
Replies: 18
Views: 2567

Re: R and Data Sets

I can't recommend python and the pandas package enough.
by whanaumark
Sat Apr 22, 2017 12:32 am
Forum: Investing - Help with Personal Investments
Topic: Asset Allocation - easiest way to rebalance?
Replies: 15
Views: 2075

Re: Asset Allocation - easiest way to rebalance?

Some rebalancing resources you may find useful: To approximate the total stock market using 401k fund (no tickers, that is strange) https://www.bogleheads.org/wiki/Approximating_total_stock_market To rebalance using additional contributions I would use this website http://optimalrebalancing.tk/index...
by whanaumark
Thu Apr 20, 2017 9:03 am
Forum: Investing - Help with Personal Investments
Topic: Total Portfolio Cleanup
Replies: 8
Views: 1419

Re: Total Portfolio Cleanup

aristotelian wrote:If you are looking to hold some bonds without taking up Roth space, you could go for I and EE Bonds to complement the munis.
Any thoughts on the vanguard recommendation for short and long muni funds ?
by whanaumark
Thu Apr 20, 2017 8:28 am
Forum: Investing - Help with Personal Investments
Topic: Total Portfolio Cleanup
Replies: 8
Views: 1419

Re: Total Portfolio Cleanup

Man, doing quite well for yourself at 31. Can I ask what career field you're in? As for the portfolio, can you explain the rationale behind holding so many ETFs? I feel like you could beef up VTSAX some, maybe add another mutual fund or two, and have it way more simple and cheap. At the amount of y...
by whanaumark
Wed Apr 19, 2017 5:43 pm
Forum: Investing - Help with Personal Investments
Topic: Total Portfolio Cleanup
Replies: 8
Views: 1419

Re: Total Portfolio Cleanup

A polite *bump*, would really appreciate some advice on the questions, and a general critique
much appreciated
by whanaumark
Wed Apr 19, 2017 1:55 pm
Forum: Investing - Help with Personal Investments
Topic: Friendly heads up for anyone leaving Betterment
Replies: 1
Views: 741

Friendly heads up for anyone leaving Betterment

I have recently moved from Betterment to vanguard to set things in a bogleheadish direction I'd like to warn anyone doing this, that if they use a 'Tax Coordinated Portfolio' and submit transfer requests for the Tax Deferred and Taxable portions simultaneously that the transfers are actually done at...
by whanaumark
Wed Apr 19, 2017 10:43 am
Forum: Investing - Help with Personal Investments
Topic: Total Portfolio Cleanup
Replies: 8
Views: 1419

Re: Total Portfolio Cleanup

Thanks radiowave, I have updated my post on your feedback
by whanaumark
Wed Apr 19, 2017 12:15 am
Forum: Investing - Help with Personal Investments
Topic: Total Portfolio Cleanup
Replies: 8
Views: 1419

Total Portfolio Cleanup

(Topic relabeled!) Dear All, After much learning on the forum and a consult with Vanguard Personal Services I have been transitioning my portfolio into a more bogleheadish direction. The numerous symbols are a result of an actively managed portfolio, combined with a betterment allocation ! I believe...
by whanaumark
Mon Apr 10, 2017 2:49 pm
Forum: Investing - Help with Personal Investments
Topic: Roth IRA - is "self" transfer possible ?
Replies: 9
Views: 700

Re: Roth IRA - is "self" transfer possible ?

@jhfenton I have - betterment sadly do everything by check for non taxable. For taxable they send the securities by slow boat it seems. I will personally never open an IRA, HSA, or taxable brokerage account anywhere until I confirm that I can transfer out in kind. These are wise words, as I have dis...
by whanaumark
Mon Apr 10, 2017 1:05 pm
Forum: Investing - Help with Personal Investments
Topic: Roth IRA - is "self" transfer possible ?
Replies: 9
Views: 700

Re: Roth IRA - is "self" transfer possible ?

Thanks for the replies

Probably I should have been more clear- the withdrawal from betterment to cash will be done with ACH to my bank account, and then redeposited to vanguard with ACH, no mail involved.

Thank you for pointing out the One Rollover rule.
by whanaumark
Mon Apr 10, 2017 12:27 pm
Forum: Investing - Help with Personal Investments
Topic: Roth IRA - is "self" transfer possible ?
Replies: 9
Views: 700

Roth IRA - is "self" transfer possible ?

A quick question, and one I need to double check before implementing I have a Roth IRA with betterment, which I would like to move to vanguard. For non taxable accounts, betterment typically liquidate the account and then send a check by regular mail (!!) to vanguard, a process which takes considera...
by whanaumark
Wed Mar 22, 2017 11:54 am
Forum: Investing - Help with Personal Investments
Topic: Wife's Asset Allocation - 401k options limited
Replies: 8
Views: 817

Re: Wife's Asset Allocation - 401k options limited

Thanks for the replies so far, apologies for the initial incomplete post Have updated with some further questions and data One further note: we plan on fully contributing to the retirement funds- there is always a chance that the plan will improve, or that my wife will change jobs to give better opt...
by whanaumark
Tue Mar 21, 2017 11:10 pm
Forum: Investing - Help with Personal Investments
Topic: Wife's Asset Allocation - 401k options limited
Replies: 8
Views: 817

Wife's Asset Allocation - 401k options limited

Hi all- been lurking for some weeks soaking up invaluable knowledge. Can't thank everyone enough Trying to sort my wife's separate accounts given her existing 401k options, which are generally terrible (high ER American funds) She would like to keep her separate premarital money differently from my ...
by whanaumark
Wed Mar 15, 2017 3:08 am
Forum: Personal Consumer Issues
Topic: Help me pick a computer
Replies: 71
Views: 5578

Re: Help me pick a computer

Depending on where you live (major city recommended) I would take a look at craigslist for desktop computers. It seems that gamers upgrade frequently and resell nearly new machines at a hefty discount to new I recently got myself a home desktop for $600 including 2 monitors. i7, 24Gb ram, tip top gr...