Search found 1602 matches

by Tyler Aspect
Sun Jun 21, 2020 11:33 am
Forum: Investing - Theory, News & General
Topic: Tax Efficient Investing Made Easy
Replies: 3
Views: 389

Re: Tax Efficient Investing Made Easy

I think you have confused earned income with taxable income right at the beginning of your PDF. They are quite a bit different. A married couple filing jointly who earn $60,000 per year would be taxed at 10% the first $19,400, with the rest of income $41,600 taxed Thanks for this note. I will colle...
by Tyler Aspect
Sun Jun 21, 2020 11:22 am
Forum: Investing - Theory, News & General
Topic: Tax Efficient Investing Made Easy
Replies: 3
Views: 389

Tax Efficient Investing Made Easy

I am announcing an article originally targeted for release at my local Boglehead club, but I am publishing it here because our physical meetings were deferred by the COVID-19 facility closures. Tax Efficient Investing Made Easy More advanced article on tax efficient investing, with a simple review o...
by Tyler Aspect
Sun Jun 21, 2020 11:18 am
Forum: Investing - Theory, News & General
Topic: Personal Investing with Index Funds
Replies: 0
Views: 282

Personal Investing with Index Funds

I am announcing an article originally targeted for release at my local Boglehead club, but I am publishing it here because our physical meetings were deferred by the COVID-19 facility closures. Personal Investing with Index Funds Introductory article on personal investing using index funds with over...
by Tyler Aspect
Mon Jun 08, 2020 12:04 pm
Forum: Personal Investments
Topic: Advice on my AA? 30% stocks / 70% gold
Replies: 22
Views: 1035

Re: Advice on my AA? 30% stocks / 70% gold

Gold valuation are held up by rarity and tradition . Do you know the card collectible game Magic the Gathering there is something called the "Reserved List" whose cards have high value? These paper cardboards' value are held up by rarity and tradition as well. I do not have confidence in collectible...
by Tyler Aspect
Mon May 11, 2020 10:46 pm
Forum: Personal Consumer Issues
Topic: Coronavirus (Consumer Issues) How you are preparing?
Replies: 1590
Views: 130274

Re: Coronavirus (Consumer Issues) How you are preparing?

I am watching the very informative Youtube channel "MedCram" on the current COVID-19 pandemic. Front-line doctors are theory crafting the property of this virus; maybe we are getting closer to solving it by using old meds.
by Tyler Aspect
Fri Apr 24, 2020 9:20 pm
Forum: Personal Consumer Issues
Topic: Intel vs AMD Processor Equivalents
Replies: 28
Views: 1881

Re: Intel vs AMD Processor Equivalents

No more Intel processors for me. There were too many security defects announced against Intel in the past year. AMD appeared to be more security conscious compared to Intel.
by Tyler Aspect
Fri Apr 24, 2020 8:59 pm
Forum: Personal Investments
Topic: Moving New Money to Cash
Replies: 23
Views: 2147

Re: Moving New Money to Cash

Have you thought about the option of not purchasing a house? Think of the advantages of being mobile and not to have to put money in low yielding instruments for house saving. Owning a house has a considerable amount of hidden costs, so that doing long term renting could work out to your favor. If i...
by Tyler Aspect
Fri Apr 24, 2020 12:03 pm
Forum: Investing - Theory, News & General
Topic: Long bonds are for fools
Replies: 19
Views: 1594

Re: Long bonds are for fools

John Rockenthaler writes Long Bonds are for fools on Morningstar. He makes the case that at present yield of 1.18% on 30 year Treasury bonds, there is no rational reason to buy & hold them to maturity, instead those who are buying them plan to trade at a later date to even greater fools. That plus ...
by Tyler Aspect
Thu Apr 23, 2020 10:02 am
Forum: Non-US Investing
Topic: Romanian total beginner starting to invest in OIL
Replies: 17
Views: 1052

Re: Romanian total beginner starting to invest in OIL

Normally you would want to pick your trading platform to have low transaction fees and no inactivity fees.

I read that for the non-US investors a typical Bogleheads like portfolio would be a mixture of IWDA and AGGH.

I would also recommend staying away from oil contracts; these things are dangerous.
by Tyler Aspect
Wed Apr 22, 2020 9:22 pm
Forum: Investing - Theory, News & General
Topic: Who has changed FROM the 3 Fund Portfolio?
Replies: 28
Views: 2189

Re: Who has changed FROM the 3 Fund Portfolio?

For a portion of my total bond market allocation I break that index into its components of Treasuries, Mortgage Backed, and Corporate bond. This is to allow better control of California state tax deduction and the possibility of replacing Treasuries with CDs.
by Tyler Aspect
Sun Apr 19, 2020 4:25 pm
Forum: Investing - Theory, News & General
Topic: Portfolio Insurance
Replies: 11
Views: 537

Re: Portfolio Insurance

This is really not too meaningful in the context that he speaks. He is just trying to stand out as having a different angle compared to other financial advisors seeking attention. Stoking fear is one way to stand out in a hurry. That insurance could be any number of things that would be too costly o...
by Tyler Aspect
Sun Apr 19, 2020 12:31 pm
Forum: Investing - Theory, News & General
Topic: Crisis Lessons (My list)
Replies: 50
Views: 4512

Re: Lessons learned from Pandemic

I realize this pandemic situation is still on-going, thus any review at this point might lack full perspective. Standard portfolio makes sense. Rebalancing makes sense. Total bond market index could drop in a panic situation, but less than stock. Stock market is forward looking, thus it could reboun...
by Tyler Aspect
Sun Apr 19, 2020 12:18 pm
Forum: Personal Consumer Issues
Topic: Issues with face masks?
Replies: 92
Views: 6040

Re: Issues with face masks?

I went to the grocery store for the first time since requiring face masks here, and to be honest probably the first time ever in general. I had a surgical mask here in plastic bag from a while ago that I was going to use for cleaning. I noticed after a 30-40 min trip I was quite lightheaded and fou...
by Tyler Aspect
Sun Apr 19, 2020 12:11 pm
Forum: Personal Investments
Topic: Won the game early -- worried about bond holdings
Replies: 54
Views: 4873

Re: Won the game early -- worried about bond holdings

Asset is capital for certain life ventures. High income earners should realize if life is just about preserving that 5 million dollars, then it might be a very boring existence. Sir, we are Passive Investors. Investing is supposed to be boring. To be specific, business ventures and special projects...
by Tyler Aspect
Sun Apr 19, 2020 12:08 pm
Forum: Personal Investments
Topic: Would CDs be a better investment now than MM/HYS?
Replies: 7
Views: 475

Re: Would CDs be a better investment now than MM/HYS?

I agree that short term CD look attractive relative to Treasury securities, but the longer termed CDs offer too little relative yield improvement at this point.
by Tyler Aspect
Sun Apr 19, 2020 12:04 pm
Forum: Personal Investments
Topic: Won the game early -- worried about bond holdings
Replies: 54
Views: 4873

Re: Won the game early -- worried about bond holdings

One question could be that for a high income earner in his 30's with 5 million dollars existing asset - should his stock allocation be set to 30%? I doubt if that would be the case. It is true that for high income earners their stock allocation could be adjusted down moderately without problem. A 60...
by Tyler Aspect
Wed Mar 18, 2020 7:17 pm
Forum: Investing - Theory, News & General
Topic: Can/will the stock market close?
Replies: 13
Views: 1145

Re: Can/will the stock market close?

In the United States the stock market is unlikely to close for a significant period of time. Many retired people are required to sell their mutual funds for retirement expense. If the stock market close for longer than a few days I do not know how redemption requests can be honored.
by Tyler Aspect
Wed Mar 18, 2020 12:57 pm
Forum: Investing - Theory, News & General
Topic: HEDGEFUNDIE's excellent adventure Part II: The next journey
Replies: 5271
Views: 471470

Re: HEDGEFUNDIE's excellent adventure Part II: The next journey

I just noticed both UPRO and TMF down significantly today. How many days of 1/4 loss can one sustain before wiping out for the course?
by Tyler Aspect
Wed Mar 18, 2020 12:03 pm
Forum: Personal Consumer Issues
Topic: Any audiophiles on this forum?
Replies: 120
Views: 9359

Re: Any audiophiles on this forum?

Gone are the days when I listen to music using 7 feet tall speakers. All the contents I consume recently are streamed. I have a FiiO USB DAC and my favorite headphones in JVC HA-SR500.
by Tyler Aspect
Mon Mar 16, 2020 3:55 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 19245
Views: 2670912

Re: U.S. stocks in free fall

I was here on this historic day as well. It was ironic that the market dropped after the Federal Reserve cut the interest rate to nearly 0%. It fed the panic instead of boosting the market.
by Tyler Aspect
Sat Mar 14, 2020 12:50 pm
Forum: US Chapters
Topic: [Archived] Bogleheads community discussion - Coronavirus
Replies: 4963
Views: 193370

Re: Bogleheads community discussion - Coronavirus

One prominent microbiologist professor in Hong Kong said that this epidemic is unlikely to run its course this year. That global spread might last from 2 to 3 years. Conditions in summer will be better than in winter. Virus may not disappear unless every country adopts strict quarantine practices.
by Tyler Aspect
Thu Mar 12, 2020 5:09 pm
Forum: Investing - Theory, News & General
Topic: It's not even "The End of The beginning"
Replies: 37
Views: 5188

Re: It's not even "The End of The beginning"

Makes sense. No significant corporate bankruptcies means this is not the end of the beginning. For true panic wouldn't you have to wait for intensive care units to become overflowed? We are merely at the preamble stage.
by Tyler Aspect
Wed Mar 11, 2020 7:16 pm
Forum: Personal Investments
Topic: Refinance cash-out to invest in market
Replies: 8
Views: 585

Re: Refinance cash-out to invest in market

Add it to emergency cash to reach 6 month of expense.
by Tyler Aspect
Mon Mar 09, 2020 11:15 pm
Forum: Investing - Theory, News & General
Topic: Are we going to have a full blown recession?
Replies: 28
Views: 4454

Re: Are we going to have a full blown recession?

The behavior of the bond market in the last week do suggest a pattern consistent with a pending economic recession. This is a probabilistic indicator and not 100% certain. (the condition being 5 year Treasury yield lower than 6 month Treasury yield, then followed by both yield point dropping like a ...
by Tyler Aspect
Sat Mar 07, 2020 7:21 pm
Forum: US Chapters
Topic: [Archived] Bogleheads community discussion - Coronavirus
Replies: 4963
Views: 193370

Re: Bogleheads community discussion - Coronavirus

Because of the lack of working test kits, no doubt the Coronavirus has being expanding in the US unseen for a period of two months within the context of an active Flu season. Now that working testing kits are being distributed more widely we are seeing detection events. Unfortunately these are not t...
by Tyler Aspect
Thu Mar 05, 2020 7:19 pm
Forum: US Chapters
Topic: [Archived] Bogleheads community discussion - Coronavirus
Replies: 4963
Views: 193370

Re: Bogleheads community discussion - Coronavirus

I heard from 新聞龍捲風 that survivors of severe COVID-19 cases could have residual breathing difficulties that impact quality of life. For the severe cases there could be a variety of residual problems after a patient leaves a hospital.
by Tyler Aspect
Thu Mar 05, 2020 3:50 pm
Forum: US Chapters
Topic: [Archived] Bogleheads community discussion - Coronavirus
Replies: 4963
Views: 193370

Re: Bogleheads community discussion - Coronavirus

Not long ago, I saw a comment somewhere here on BH, that one can recover from COVID-19 and become reinfected? So there are no immunity gains from recovery?? I am confused. My information source comes from watching the Taiwanese talkshows about COVID-19. I heard the virus can impact different organs...
by Tyler Aspect
Sun Mar 01, 2020 4:27 pm
Forum: Personal Investments
Topic: Leveraged ETFs in a recession?
Replies: 9
Views: 727

Re: Leveraged ETFs in a recession?

No one knows if a 3X leveraged S&P 500 ETF can survive a deep recession. Not enough track record.
by Tyler Aspect
Sun Mar 01, 2020 1:25 pm
Forum: Investing - Theory, News & General
Topic: Coronavirus and the market
Replies: 3964
Views: 300589

Re: Coronavirus and the market

With news that people are receiving bills for the tests and for the time spent in hospital in isolation circulating widely, I very much doubt many folks will be proactive about getting tested and taken to hospital if positive. This is something I was wondering. I don’t live in the US so unsure how ...
by Tyler Aspect
Sun Mar 01, 2020 2:47 am
Forum: Investing - Theory, News & General
Topic: Coronavirus and the market
Replies: 3964
Views: 300589

Re: Coronavirus and the market

Serious question - why test? I'm not an expert in this area but one reason is so that patients who test positive, and possibly also their close contacts, can be isolated to reduce spread of the disease. The volume of test kit consumption is much greater than what we might initially guess. Incoming ...
by Tyler Aspect
Sat Feb 29, 2020 7:33 pm
Forum: Investing - Theory, News & General
Topic: Coronavirus and the market
Replies: 3964
Views: 300589

Re: Coronavirus and the market

Linus Tech just published a YouTube video with the title of "Buy a Computer. Right now." I found his explanation of supply chain disruption helpful to explain a part of this market reaction.

https://www.youtube.com/watch?v=SPoPwrQwm_g
by Tyler Aspect
Sat Feb 29, 2020 6:55 pm
Forum: Personal Consumer Issues
Topic: Coronavirus (Consumer Issues) How you are preparing?
Replies: 1590
Views: 130274

Re: Coronavirus (Consumer Issues) How you are preparing?

Hand sanitizers already ran out at our local CVS. Face masks were unavailable since one month ago. My wife bought a large bag of toilet papers in Costco before they too might run out.
by Tyler Aspect
Sat Feb 29, 2020 6:40 pm
Forum: Investing - Theory, News & General
Topic: Coronavirus and the market
Replies: 3964
Views: 300589

Re: Coronavirus and the market

Stopping the virus will be hard. From the wide spread to throughout the world you can no longer target any one country from travel exclusion. I read that the Coronavirus has already been in Wuhan for a whole month before being noticed by health officials. Community based infection is probably alrea...
by Tyler Aspect
Sat Feb 29, 2020 5:33 pm
Forum: Investing - Theory, News & General
Topic: Coronavirus and the market
Replies: 3964
Views: 300589

Re: Coronavirus and the market

Stopping the virus will be hard. From the wide spread to throughout the world you can no longer target any one country from travel exclusion. I read that the Coronavirus has already been in Wuhan for a whole month before being noticed by health officials. Community based infection is probably alrea...
by Tyler Aspect
Sat Feb 29, 2020 5:08 pm
Forum: Investing - Theory, News & General
Topic: Coronavirus and the market
Replies: 3964
Views: 300589

Re: Coronavirus and the market

Stopping the virus will be hard. From the wide spread to throughout the world you can no longer target any one country from travel exclusion. I read that the Coronavirus has already been in Wuhan for a whole month before being noticed by health officials. Community based infection is probably alread...
by Tyler Aspect
Tue Feb 25, 2020 1:35 am
Forum: Investing - Theory, News & General
Topic: Coronavirus and the market
Replies: 3964
Views: 300589

Re: Coronavirus and the market

It is clear the drastic quarantine practice of China could damage economic output, but a relax government response such as in Japan could lead to community spread infections. Each country will have to decide between economy and disease isolation. I would say visible economic impact for a period of 6...
by Tyler Aspect
Mon Jan 27, 2020 7:45 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 19245
Views: 2670912

Re: U.S. stocks in free fall

Sees the stock drop. Went to local CVS. They are out of facemasks. Saw one lady wearing one asking if they have more; nope, all out.
by Tyler Aspect
Thu Dec 05, 2019 4:38 pm
Forum: Personal Investments
Topic: Leveraged ETF's
Replies: 16
Views: 1045

Re: Leveraged ETF's

I wouldn't call it gamble. It's well thought out. Index investing with more risk. True ... but if it's 3X leveraged and the market goes down 33% in one day I would think the account is wiped out. I was thinking gambling in termos of only buying the 3X. In terms of HIS strategy Hopefully the balanci...
by Tyler Aspect
Mon Dec 02, 2019 2:12 pm
Forum: Personal Investments
Topic: Leveraged ETF's
Replies: 16
Views: 1045

Re: Leveraged ETF's

ProShares Ultra S&P 500 were down 81% during the last recession. These are very volatile funds.

The 3X leveraged ETFs were started after the last recession, so their history is a bit too short.
by Tyler Aspect
Thu Nov 21, 2019 7:38 pm
Forum: Investing - Theory, News & General
Topic: Where does the money come from?
Replies: 54
Views: 7257

Re: Where does the money come from?

... The banks know their customers will not all withdraw their funds at once, so that the banks will loan out their deposit to earn a good return for themselves. If there are large withdraws they can borrow from the Federal Reserve cheaply to meet redemption . ... No, that is not correct. It's a co...
by Tyler Aspect
Thu Nov 21, 2019 7:24 pm
Forum: Investing - Theory, News & General
Topic: Where does the money come from?
Replies: 54
Views: 7257

Re: Where does the money come from?

Checking account, bond funds, or stock funds do not really map to real dollar bills behind the scene. The banks know their customers will not all withdraw their funds at once, so that the banks will loan out their deposit to earn a good return for themselves. If there are large withdraws they can bo...
by Tyler Aspect
Thu Nov 21, 2019 6:23 pm
Forum: Personal Investments
Topic: Funding one-time large expense in retirement
Replies: 8
Views: 1585

Re: Funding one-time large expense in retirement

First withdraw from taxable, then from traditional IRA. This should minimize tax.
by Tyler Aspect
Thu Nov 21, 2019 6:03 pm
Forum: Non-US Investing
Topic: Newbie asks for advice
Replies: 5
Views: 614

Re: Newbie asks for advice

Non-US citizen investments usually take place in ETFs domiciled in Ireland. Young investor might have a 80% stock / 20% bond allocation.

iShares Core MSCI World UCITS ETF (Acc), IWDA.L

iShares Core Global Aggregate Bond UCITS ETF, AGGH.L
by Tyler Aspect
Sun Nov 17, 2019 2:23 am
Forum: Investing - Theory, News & General
Topic: Why does Vanguard's Short-Term Corporate Bond fund outperform iShares'?
Replies: 4
Views: 818

Re: Why does Vanguard's Short-Term Corporate Bond fund outperform iShares'?

You need to research these funds' past expense ratios. They will probably be different.
by Tyler Aspect
Tue Nov 12, 2019 12:01 am
Forum: Personal Investments
Topic: alternative investments
Replies: 32
Views: 2070

Re: alternative investments

I am not kidding. If you look hard enough I am sure you can find something that can lose a lot of your money.
by Tyler Aspect
Mon Nov 11, 2019 7:17 pm
Forum: Personal Investments
Topic: VMATX (MA Tax Free) for proceeds from locking in LTCG?
Replies: 4
Views: 618

Re: VMATX (MA Tax Free) for proceeds from locking in LTCG?

Selling individual stocks is a good idea to mitigate the risk of individual stocks. I would sell 1/3 this December, 1/3 January 2020, and 1/3 January 2021. Roth IRA conversion: Convert $140k per year until age 69, which allows your annual income to come under $250k per year. There does not appear to...
by Tyler Aspect
Sun Nov 10, 2019 5:23 pm
Forum: Personal Investments
Topic: Bond for a recovering "xen of bad choices"
Replies: 15
Views: 2274

Re: Bond for a recovering "xen of bad choices"

Hi, annu. You may find this thread helpful: https://www.bogleheads.org/forum/viewtopic.php?t=289693. Tyler Aspect's advice to put bonds in a tax deferred account is often, but not always correct, and is less likely to be correct for individuals in the top tax bracket during a low interest rate envi...
by Tyler Aspect
Sun Nov 10, 2019 12:10 pm
Forum: Personal Investments
Topic: Bond for a recovering "xen of bad choices"
Replies: 15
Views: 2274

Re: Bond for a recovering "xen of bad choices"

Welcome to Bogleheads.

The most tax efficient move is to purchase a US stock index fund in the taxable account, and increase bond exposure by the same amount in the tax deferred account.
by Tyler Aspect
Fri Nov 08, 2019 10:43 pm
Forum: Investing - Theory, News & General
Topic: [Deleted]
Replies: 117
Views: 16584

Re: Long Term Bonds getting killed today

We're seeing the other side of long term bonds today. They've had quite a run over the last 37 years and investors are in love with them for returns and diversification. LTB demonstrated today one of their potential drawbacks, increased volatility. Today in the US, Europe, and Japan there is hope t...
by Tyler Aspect
Fri Nov 08, 2019 7:10 pm
Forum: Personal Investments
Topic: Need Help With Bond Funds and Comfort Level. Or...
Replies: 9
Views: 1159

Re: Need Help With Bond Funds and Comfort Level. Or...

Before buying any bonds in a taxable account your tax advantaged accounts should be entirely composed of bonds, such as the total bond market index (BND). Intermediate Term Bond index ETF (BIV) might be better than BND in the taxable account in the state of California. Bonds in general have a lower ...