Search found 37 matches

by fedbogle
Fri May 29, 2020 5:05 am
Forum: Personal Investments
Topic: Sell When Down to Avoid Taxes?
Replies: 10
Views: 1338

Re: Sell When Down to Avoid Taxes?

Thanks FoolMeOnce, I am convinced. Just got out of VWO, maybe others soon. I agree to sell what you don't want to hold. If they don't fit your IPS, waiting for a gain to get rid of them is just market timing - that's two strikes against your IPS, timing and holding a fund you don't want. I used the ...
by fedbogle
Wed May 27, 2020 6:13 am
Forum: Personal Investments
Topic: Sell When Down to Avoid Taxes?
Replies: 10
Views: 1338

Re: Sell When Down to Avoid Taxes?

Exactly. Thanks again, great advice. I think I am going to get rid of the ones that don't have big gains and go from there. Many thanks Sycamore! Ok, I think I see your intent better now - you're wanting to "migrate" away from undesired investments, yes? So in that case some of the usual r...
by fedbogle
Wed May 27, 2020 6:12 am
Forum: Personal Investments
Topic: Sell When Down to Avoid Taxes?
Replies: 10
Views: 1338

Re: Sell When Down to Avoid Taxes?

Solid logic, very helpful. I think I am going to get rid of it. Thank you Retiredjg. You want to sell them. You have not sold them because of cap gains tax. You have a way of avoiding the cap gains tax. Isn't the obvious answer to sell and use your losses to get what you want? No it is not a losing ...
by fedbogle
Tue May 26, 2020 8:31 am
Forum: Personal Investments
Topic: Sell When Down to Avoid Taxes?
Replies: 10
Views: 1338

Re: Sell When Down to Avoid Taxes?

Thank you Sycamore! Great points. I should have been clearer in my post - VWO and the other funds don't fit in my IPS. Although they are not terrible funds, as you said, good ER, etc. What you said about "focusing on avoiding taxes" is kind of my concern. I was trying to avoid taxes, but n...
by fedbogle
Tue May 26, 2020 5:10 am
Forum: Personal Investments
Topic: Sell When Down to Avoid Taxes?
Replies: 10
Views: 1338

Sell When Down to Avoid Taxes?

Hi All, I am implementing a "Trev H" Four fund portfolio, and am mostly there. I have some funds I have had for a while in a taxable account that I would like to sell and put into my portfolio framework, but I have been hesitant to shift as they have significant taxable gains. However, wit...
by fedbogle
Sun Dec 23, 2018 9:12 am
Forum: Personal Investments
Topic: Sell IBM? Am I timing the market?
Replies: 11
Views: 1045

Re: Sell IBM? Am I timing the market?

You could have sold any time after Jan 1 to get the tax loss. Why didn't you? Nobody here has any inside info on IBM so I don't see what type of advice you are seeking. It may go up or it may go down. The current market price should be a fair approximation of its value. Thanks for the thoughtful re...
by fedbogle
Sun Dec 23, 2018 9:11 am
Forum: Personal Investments
Topic: Sell IBM? Am I timing the market?
Replies: 11
Views: 1045

Re: Sell IBM? Am I timing the market?

Hi All, Since I switched to a Bogleheads portfolio, I have been wanting to sell some IBM stock I've had for a while. I wanted to have capital losses to offset the gains. Now I should have enough (although they are short-term losses, but I don't think that matters). But IBM has crashed recently. I'm...
by fedbogle
Sun Dec 23, 2018 7:44 am
Forum: Personal Investments
Topic: Sell IBM? Am I timing the market?
Replies: 11
Views: 1045

Sell IBM? Am I timing the market?

Hi All, Since I switched to a Bogleheads portfolio, I have been wanting to sell some IBM stock I've had for a while. I wanted to have capital losses to offset the gains. Now I should have enough (although they are short-term losses, but I don't think that matters). But IBM has crashed recently. I'm ...
by fedbogle
Mon Jul 30, 2018 10:31 am
Forum: Personal Investments
Topic: Hidden Transaction Fees in 401k or TSP?
Replies: 3
Views: 404

Re: Hidden Transaction Fees in 401k or TSP?

Thanks for the response!
by fedbogle
Mon Jul 30, 2018 9:09 am
Forum: Personal Investments
Topic: Hidden Transaction Fees in 401k or TSP?
Replies: 3
Views: 404

Hidden Transaction Fees in 401k or TSP?

Hi All,

I wanted to see if anyone was aware of any hidden fees when exchanging funds in a 401k plan (or the TSP). If there is no stated fee, do they just trade at NAV? Or is there any hidden bid-ask spread or anything else?

Thanks in advance!
by fedbogle
Fri Apr 06, 2018 12:49 am
Forum: Personal Investments
Topic: Rebalancing is profitable?
Replies: 29
Views: 5332

Re: Rebalancing is profitable?

Longinvest or anyone else who cares to chime in: what do we think the chances are of the market actually going to zero? Should we factor that in as a concern? Fundamentally, financial securities are promises which rely on laws and courts. I personally don't try to protect myself from an entire mark...
by fedbogle
Sun Apr 01, 2018 2:23 am
Forum: Personal Investments
Topic: Rebalancing is profitable?
Replies: 29
Views: 5332

Re: Rebalancing is profitable?

Nisiprius, I can relate to this personally because I actually saw it happen in the Balanced Index Fund during 2008-2009. The decline was noticeably more than "decline in S&P 500 times 60%." We can see this in PortfolioVisualizer. The blue line, portfolio 1, is the Vanguard Balanced In...
by fedbogle
Sat Mar 24, 2018 11:49 pm
Forum: Personal Investments
Topic: Rebalancing is profitable?
Replies: 29
Views: 5332

Re: Rebalancing is profitable?

This is a very frequently debated point. I am going to state what I personally believe without trying to defend it or support it. 1) Rebalancing is not a magic market-timing-like formula that works. Rebalancing does not create extra return without extra risk. Rebalancing does not work by "forc...
by fedbogle
Mon Nov 20, 2017 2:35 am
Forum: Personal Investments
Topic: Trev H Four-Fund Portfolio Tax Loss Harvesting Partner Options
Replies: 22
Views: 2571

Re: Trev H Four-Fund Portfolio Tax Loss Harvesting Partner Options

sambb wrote: Sun Nov 19, 2017 8:47 pm Thanks to the OP - so refreshing to hear from someone who is thinking beyond a 3 fund portfolio and offering different and potentially better options for us to consider. Interesting thread!
Thanks for the kind words! It is a somewhat radical approach for Bogleheads, but I like it.
by fedbogle
Mon Nov 20, 2017 2:35 am
Forum: Personal Investments
Topic: Trev H Four-Fund Portfolio Tax Loss Harvesting Partner Options
Replies: 22
Views: 2571

Re: Trev H Four-Fund Portfolio Tax Loss Harvesting Partner Options

I am not an expert in the TrevH portfolio but i remember multiple folks mentioning in different threads that ILV can be replaced by ILB and ISV by IS. And TrevH also posted a past history comparison chart for those replacements https://www.bogleheads.org/forum/viewtopic.php?p=487691#p487691 Thanks ...
by fedbogle
Mon Nov 20, 2017 2:31 am
Forum: Personal Investments
Topic: Trev H Four-Fund Portfolio Tax Loss Harvesting Partner Options
Replies: 22
Views: 2571

Re: Trev H Four-Fund Portfolio Tax Loss Harvesting Partner Options

Hi All, Thanks to advice on this forum, I am switching to the "Trev H Four-Fund Portfolio" (https://www.bogleheads.org/forum/viewtopic.php?t=38374), which uses equal portions of: Vanguard Total Market (VTI) Vanguard Total International Ex-US (VXUS) Vanguard Small Value (VBR) Vanguard Inte...
by fedbogle
Mon Nov 20, 2017 1:36 am
Forum: Personal Investments
Topic: Trev H Four-Fund Portfolio Tax Loss Harvesting Partner Options
Replies: 22
Views: 2571

Re: Trev H Four-Fund Portfolio Tax Loss Harvesting Partner Options

For VSS, I would not hold it in a taxable account, so I don't have to TLH it. But if I did I would sell VSS at a loss and buy some large-cap international. Then new contributions would go into VSS after 30 days. Or I would exchange back into VSS if the VEU or VEA that I bought has a loss in that 30...
by fedbogle
Mon Nov 20, 2017 1:20 am
Forum: Personal Investments
Topic: Trev H Four-Fund Portfolio Tax Loss Harvesting Partner Options
Replies: 22
Views: 2571

Re: Trev H Four-Fund Portfolio Tax Loss Harvesting Partner Options

Thanks to advice on this forum, I am switching to the "Trev H Four-Fund Portfolio" (https://www.bogleheads.org/forum/viewtopic.php?t=38374), which uses equal portions of: Vanguard Total Market (VTI) Vanguard Total International Ex-US (VXUS) Vanguard Small Value (VBR) Vanguard Internationa...
by fedbogle
Sun Nov 19, 2017 1:19 pm
Forum: Personal Investments
Topic: Trev H Four-Fund Portfolio Tax Loss Harvesting Partner Options
Replies: 22
Views: 2571

Trev H Four-Fund Portfolio Tax Loss Harvesting Partner Options

Hi All, Thanks to advice on this forum, I am switching to the "Trev H Four-Fund Portfolio" (https://www.bogleheads.org/forum/viewtopic.php?t=38374), which uses equal portions of: Vanguard Total Market (VTI) Vanguard Total International Ex-US (VXUS) Vanguard Small Value (VBR) Vanguard Inter...
by fedbogle
Fri Aug 04, 2017 8:49 am
Forum: Personal Investments
Topic: Tax Efficient Fund Placement Questions
Replies: 2
Views: 329

Re: Tax Efficient Fund Placement Questions

livesoft wrote:I really like the advice of that livesoft person. It's exactly what I would do.
Agree. That person is very smart and has on-point advice :sharebeer

Many thanks for all of your contributions!
by fedbogle
Fri Aug 04, 2017 8:43 am
Forum: Personal Investments
Topic: Tax Efficient Fund Placement Questions
Replies: 2
Views: 329

Tax Efficient Fund Placement Questions

Hello, I am trying to figure out the efficient tax placement for my asset allocation, hoping the kind Bogleheads can help. It seems the more accepted method is to go by what’s in the wiki more prevalently, that is to move international and large cap equities etc. to taxable accounts when there is no...
by fedbogle
Sun Jul 09, 2017 11:15 pm
Forum: Personal Investments
Topic: Proposed AA - Please critique [Asset Allocation]
Replies: 22
Views: 1804

Re: Proposed AA - Please critique [Asset Allocation]

Hi All, I have been reading up and am trying to find an AA I can stick with for the long run. Balancing my desire for over-analysis, I think I have read enough to put together a decent plan. Would be grateful for any comments. fedbogle, this first graf is somewhat revealing. What does "The des...
by fedbogle
Sat Jul 08, 2017 9:32 am
Forum: Personal Investments
Topic: Proposed AA - Please critique [Asset Allocation]
Replies: 22
Views: 1804

Re: Proposed AA - Please critique

One question for you. From the link you sent on the four-fund slice and dice option, it is compelling how closely it tracks the 8-fund option. How confident are you that it will continue to do so? Do you have evidence beyond the close tracking you shared? I am confident enough of such a 4-fund (for...
by fedbogle
Sat Jul 08, 2017 9:26 am
Forum: Personal Investments
Topic: Proposed AA - Please critique [Asset Allocation]
Replies: 22
Views: 1804

Re: Proposed AA - Please critique

My comments in Blue Hi All, I have been reading up and am trying to find an AA I can stick with for the long run. Balancing my desire for over-analysis, I think I have read enough to put together a decent plan. Would be grateful for any comments. For background, I posted my full situation here http...
by fedbogle
Sat Jul 08, 2017 7:49 am
Forum: Personal Investments
Topic: Proposed AA - Please critique [Asset Allocation]
Replies: 22
Views: 1804

Re: Proposed AA - Please critique

4. I settled on 35% international as this is the middle of the seeming consensus range of 20-50%. Typically when we (and the experts you've been reading) talk about international, it is based on a percent of the equities in an AA. NOT as percent of the total portfolio. So, if you want 35% internati...
by fedbogle
Sat Jul 08, 2017 7:34 am
Forum: Personal Investments
Topic: Proposed AA - Please critique [Asset Allocation]
Replies: 22
Views: 1804

Re: Proposed AA - Please critique

Sorry I didn't look at your past thread, but how old are you? It seems you are new to investing, but if you are also young in age I consider that a double whammy. There are only a FEW things gained as you age that can not be attained when you are young and that is wisdom. I just don't believe any y...
by fedbogle
Sat Jul 08, 2017 7:28 am
Forum: Personal Investments
Topic: Proposed AA - Please critique [Asset Allocation]
Replies: 22
Views: 1804

Re: Proposed AA - Please critique

ETadvisor wrote:You appear to have overlapping. The S&P 500 better complements the Small Cap. For international, you can pick developed and EM.

Otherwise, I would just pick VTI, VXUS, BND, VNQ or the mutual funds equivalent.
Great points and thanks for pointing out that oversight. Much appreciated.
by fedbogle
Sat Jul 08, 2017 7:26 am
Forum: Personal Investments
Topic: Proposed AA - Please critique [Asset Allocation]
Replies: 22
Views: 1804

Re: Proposed AA - Please critique

As for the experts that you read, do you see how a small-cap and value tilted portfolio is trailing the total market weighted portfolio this year so far by 1 to 1.5%? Can you stomach being so far behind your fellow investors? Livesoft, thanks for your valuable and insightful advice. I am thinking t...
by fedbogle
Fri Jul 07, 2017 9:53 am
Forum: Personal Investments
Topic: Proposed AA - Please critique [Asset Allocation]
Replies: 22
Views: 1804

Proposed AA - Please critique [Asset Allocation]

Hi All, I have been reading up and am trying to find an AA I can stick with for the long run. Balancing my desire for over-analysis, I think I have read enough to put together a decent plan. Would be grateful for any comments. For background, I posted my full situation here https://www.bogleheads.or...
by fedbogle
Sat Jun 03, 2017 9:09 am
Forum: Personal Investments
Topic: Taxable Stocks as Emergency Fund Tier 2
Replies: 4
Views: 678

Taxable Stocks as Emergency Fund Tier 2

I have kids and a pretty stable government job. If my job became at risk for a reduction in force, I should have more than a year’s notice. Here is my plan for emergency funds: Tier 1: 9.5 months in a money market account Tier 2: About $265,000 of equities in a taxable account I am willing to take o...
by fedbogle
Fri Apr 28, 2017 11:25 pm
Forum: Investing - Theory, News & General
Topic: More Rebalancing Benefits from More Asset Classes?
Replies: 7
Views: 1250

Re: More Rebalancing Benefits from More Asset Classes?

Solid responses, as always on this great forum. Much appreciated all. Interesting that Dr. Bernstein has gone back on that assertion. Makes more sense to me this way. I was thinking that if it were so easy to achieve greater returns through rebalancing, someone would have arbitraged this inefficienc...
by fedbogle
Fri Apr 28, 2017 8:00 am
Forum: Investing - Theory, News & General
Topic: More Rebalancing Benefits from More Asset Classes?
Replies: 7
Views: 1250

More Rebalancing Benefits from More Asset Classes?

In the “Four Pillars of Investing,” Bill Bernstein makes a plug for having more smaller asset classes in your AA, which could get a greater rebalancing benefit as there are more opportunities to rebalance. Anyone aware of any evidence of the benefits of this approach?
by fedbogle
Fri Mar 31, 2017 10:05 am
Forum: Personal Investments
Topic: Portfolio Review Request - Hoping I'm On the Right Track
Replies: 5
Views: 879

Re: Portfolio Review Request

Thanks Artisan! Great points and much appreciated. Hoping to pay for college out of the 529s if possible. Although it seems to be the range of potential costs for college is so high it's crazy hard to plan for (estimates seem to range from about $250k for an expensive state school to $600k for a pri...
by fedbogle
Fri Mar 31, 2017 6:48 am
Forum: Personal Investments
Topic: Portfolio Review Request - Hoping I'm On the Right Track
Replies: 5
Views: 879

Re: Portfolio Review Request

A couple of suggestions -Consolidate the accounts. It isnt that much work, just a few forms you can fill out in an hour. It will save you much more in tracking everything. -Don't try to replicate everything in each account (e.g. Roth accounts). Simplify to hold one fund in the smaller accounts and ...
by fedbogle
Fri Mar 24, 2017 7:44 am
Forum: Personal Investments
Topic: Portfolio Review Request - Hoping I'm On the Right Track
Replies: 5
Views: 879

Portfolio Review Request - Hoping I'm On the Right Track

Dear Bogleheads, I would be grateful for your advice on my portfolio and the specific questions listed at the end of this post, especially questions number 1 and 2. I have studied this forum and the wiki quite a bit, read a few books, and hope I am close to a sensible strategy, but I am sure there a...
by fedbogle
Sat Mar 18, 2017 12:44 pm
Forum: Personal Investments
Topic: Mega-Backdoor Roth or Something Else?
Replies: 2
Views: 494

Re: Mega-Backdoor Roth or Something Else?

:oops: Thanks, I will double check that but I'm betting you are right.

I will have to think a bit about my options then, which would seem to be a taxable account or wait until not year when I can add to a 529.
by fedbogle
Sat Mar 18, 2017 1:57 am
Forum: Personal Investments
Topic: Mega-Backdoor Roth or Something Else?
Replies: 2
Views: 494

Mega-Backdoor Roth or Something Else?

Dear Bogleheads, First, thanks to all who have helped create and contribute to this powerful forum. I have benefited from it and enjoyed reading it very much. Here is my question. I have about $50k in cash that I would like to invest. I have already maxed out all the obvious tax-advantaged accounts ...