Search found 168 matches

by software
Tue Apr 30, 2019 9:33 pm
Forum: Personal Investments
Topic: Initial retirement investing in a record high stock market
Replies: 105
Views: 8953

Re: Initial retirement investing in a record high stock market

Where is the money that you are gradually moving into this allocation being held right now?
by software
Fri Apr 19, 2019 10:59 pm
Forum: Investing - Theory, News & General
Topic: Market timers thread
Replies: 223
Views: 15677

Re: Market timers thread

OP -- I just noticed your topic and am chuckling over the predictable responses. As you are finding, there are about a half dozen or so self appointed "guardians" of this board that absolutely refuse to believe that its possible to time the market. And more importantly, they seem to feel it is thei...
by software
Sun Apr 14, 2019 9:39 pm
Forum: Investing - Theory, News & General
Topic: For those who were wondering what really happened...
Replies: 19
Views: 8442

Re: For those who were wondering what really happened...

“A client with $2 million paying 0.9% of AUM annually is told that half the fee is for planning and half is for investment management, but continues to pay $9,000 every single year for a financial plan that’s already done, explains Ferri.” Not to nitpick but 0.9% AUM of $2M is $18k. And half of 18k...
by software
Tue Mar 12, 2019 10:16 am
Forum: Investing - Theory, News & General
Topic: Is buying only assets with "tickers" a good Boglehead "rule"?
Replies: 23
Views: 1557

Re: Is buying only assets with "tickers" a good Boglehead "rule"?

Would it be fair to say that many/most people at least check the ticker or check for a ticker as a starting point for investing when you are not limited to a 401k (or deferred choices you have at work)? So I want to see what's in a given fund the very first thing I do is check the ticker. If there ...
by software
Tue Mar 12, 2019 10:07 am
Forum: Investing - Theory, News & General
Topic: Are Vanguard Mutual Funds dying?
Replies: 152
Views: 16794

Re: Are Vanguard Mutual Funds dying?

It seems Vanguard is going to keep reducing ETFs fees (because they are cheaper to mantain) https://www.etf.com/sections/index-investor-corner/vanguard-etfs-or-mutual-funds So I wonder if in a matter of years MFs will disapear completely Purchase $200 worth of VTI at the opening bell today and let ...
by software
Tue Mar 12, 2019 9:54 am
Forum: Personal Investments
Topic: Thoughts on this all Fidelity index portfolio. Thank you
Replies: 27
Views: 1908

Re: Thoughts on this all Fidelity index portfolio. Thank you

Hi everyone been following this board for quite some time, finally decided to join and be in a community with people sharing the same passion as mines. But unlike most of you here I'm a little late to the party, looking to learn a lot from each and every one of you. Here's my question, I'm thinking...
by software
Tue Mar 12, 2019 9:15 am
Forum: Personal Investments
Topic: Can't see retiring without 15x-30x fixed income
Replies: 217
Views: 16485

Re: Can't see retiring without 15x-30x fixed income

...The last third (I know...hopefully a third!) is about doing what I want to do everyday without the time commitment and responsibility of a paid job. I've been in this last phase (retirement) for less than a year, but I have to say it's pretty cool. The feeling of freedom is unbelievable. And wha...
by software
Sun Mar 10, 2019 2:44 pm
Forum: Investing - Theory, News & General
Topic: Brexit / VXUS
Replies: 24
Views: 2271

Re: Brexit / VXUS

I know I'm market timing/ thinking too much about this, I guess I just need to talk to a good much of experts here. I recently moved a sizable investment in VXUS and I'm worried that Brexit may sink it. I know I should stop thinking this, but any thoughts on how best to avoid these jitters? -J In J...
by software
Sat Mar 09, 2019 4:02 pm
Forum: Investing - Theory, News & General
Topic: HEDGEFUNDIE's excellent adventure [risk parity strategy using 3x leveraged ETFs]
Replies: 3353
Views: 261696

Re: HEDGEFUNDIE's excellent adventure [risk parity strategy using 3x leveraged ETFs]

So with this new data, I think the bottom line for the strategy is this: If you believe we will ever return to the Federal Reserve interest rate regime of pre-1982, then you should probably not pursue this. If, however, you believe that the Fed post-Volcker is a fundamentally different place, relia...
by software
Sat Mar 09, 2019 3:14 pm
Forum: Investing - Theory, News & General
Topic: My name is _____, & I am a MARKET TIMER.
Replies: 109
Views: 7757

Re: My name is _____, & I am a MARKET TIMER.

RickBoglehead wrote:
Sat Mar 09, 2019 1:22 pm
How is this thread actionable? :shock:
How many of your posts are questioning a threads’ action-ability? How about you leave the armchair policing to the mods and post when you actually have something useful to say.
by software
Sat Mar 09, 2019 12:26 pm
Forum: Investing - Theory, News & General
Topic: My name is _____, & I am a MARKET TIMER.
Replies: 109
Views: 7757

Re: My name is _____, & I am a MARKET TIMER.

Scratch your market timing itch in a way that won’t devastate your portfolio. There are many degrees to market timing, with the most extreme involving moving completely in and out of the market or even more extreme employing a similar strategy but with leverage. I consider what livesoft does with hi...
by software
Mon Mar 04, 2019 2:40 pm
Forum: Investing - Theory, News & General
Topic: When does actual Vanguard transaction take place?
Replies: 9
Views: 745

Re: When does actual Vanguard transaction take place?

If you have your money being pulled from Ally bank, does the Vanguard transaction take place on the day it is scheduled to, or about 2-3 days later when the money has actually cleared Ally? If 2-3 days later, what should I keep my money in, at Vanguard, to make it immediate? I'd like to make at lea...
by software
Sun Mar 03, 2019 10:41 am
Forum: Personal Finance (Not Investing)
Topic: SIL needs help. Car totaled, still owes $10k. Any way out?
Replies: 70
Views: 5276

Re: SIL needs help. Car totaled, still owes $10k. Any way out?

The sad thing is she has a good job that she has held for 3+ years and makes a decent salary. She messed her credit up so much that that was the only loan she could get. She should have just saved up enough to buy a cheap dependable car and paid cash. But she thought paying this stupid loan would h...
by software
Fri Feb 22, 2019 9:22 am
Forum: Personal Consumer Issues
Topic: Don't Save your pymt info online
Replies: 35
Views: 3946

Re: Don't Save your pymt info online

Sure, but then you are trusting them. My point was you are going through a browser written by Google (or whoever) even if you don't use a password manager. No, because secure socket layer encryption (https) encrypts the data in the form. Google (or your ISP, etc.) would just see gobbledegook beyond...
by software
Wed Feb 20, 2019 9:39 pm
Forum: Investing - Theory, News & General
Topic: [misleading] "The Greatest Investor You’ve Never Heard Of: An Optometrist Who Beat The Odds To Become A Billionaire"
Replies: 6
Views: 2011

Re: [misleading] "The Greatest Investor You’ve Never Heard Of: An Optometrist Who Beat The Odds To Become A Billionaire"

My favorite part is when the article states “His fortune comes not from some flash of entrepreneurial brilliance” and then goes on to describe his entrepreneurial brilliance in detail.

What a weird article for Forbes...
by software
Sat Feb 16, 2019 10:16 pm
Forum: Personal Finance (Not Investing)
Topic: Use capital gain (1099B) to offset Mutual fund Capital gains on 1099DIV box 2a??
Replies: 2
Views: 194

Re: Use capital gain (1099B) to offset Mutual fund Capital gains on 1099DIV box 2a??

Losses can offset mutual fund capital gains distributions. They cannot, however, offset dividends (beyond the 3000 of regular income deduction).
by software
Fri Feb 15, 2019 2:21 pm
Forum: Investing - Theory, News & General
Topic: New and Improved CAPE is Higher!
Replies: 33
Views: 3006

Re: New and Improved CAPE is Higher!

But then had Shiller not come up with his new methodology, you would have expected return of 3% real. (not that this is much of a difference) Yes. (Edit: though I actually get my data from Star Capital web site rather than Shiller, as they give data for all countries. Don't know which method they u...
by software
Fri Feb 15, 2019 2:06 pm
Forum: Personal Investments
Topic: Strategy for Selling Company RSUs
Replies: 17
Views: 916

Re: Strategy for Selling Company RSUs

I think it is actually quite easy to generalize. All you need to do is answer one question. “If I had extra money to invest, would I buy stock of XYZ with it?” If the answer is yes, you should be holding onto your RSUs. If the answer is no, you should sell immediately and buy whatever it is you woul...
by software
Fri Feb 15, 2019 10:14 am
Forum: Personal Investments
Topic: Strategy for Selling Company RSUs
Replies: 17
Views: 916

Re: Strategy for Selling Company RSUs

If she likes keeping company stocks, sell the RSUs. Then buy on the open market. This now results in the short/long time becoming 1 year. My understanding (I may be wrong) is that for RSU and ESPP, long is 2 years. She would also have control of her own stocks and even if there is a company blackou...
by software
Fri Feb 15, 2019 9:46 am
Forum: Personal Investments
Topic: Strategy for Selling Company RSUs
Replies: 17
Views: 916

Re: Strategy for Selling Company RSUs

I have RSUs vesting today and I do the same exact thing every time some vest. In advance, I set the actions to "with hold shares at vest" which sells instantly on vesting, with holding some random amount to pay taxes. It takes maybe 4 business days for the sale to settle, at which time, I ACH the m...
by software
Wed Feb 13, 2019 9:14 pm
Forum: Investing - Theory, News & General
Topic: What Is Your Favorite Bogle Quote?
Replies: 48
Views: 2903

Re: What Is Your Favorite Bogle Quote?

"We live in an uncertain world and face not only the risks of the known unknowns but also the unknown unknowns — the ones that we don't know we don't know. Despite these risks, if we are to have any chance for meeting our long-term financial goals, invest we must."
by software
Mon Feb 11, 2019 12:33 am
Forum: Personal Investments
Topic: Switched jobs - over contributed to my 401k - what if I do nothing?
Replies: 5
Views: 826

Re: Switched jobs - over contributed to my 401k - what if I do nothing?

Taken from irs docs: Excess not withdrawn by April 15. If you don't take out the excess deferral by April 15, 2019, the excess, though taxable in 2018, is not included in your cost basis in figuring the taxable amount of any eventual distributions from the plan. In effect, an excess deferral left in...
by software
Sun Feb 10, 2019 10:00 am
Forum: Investing - Theory, News & General
Topic: HEDGEFUNDIE's excellent adventure [risk parity strategy using 3x leveraged ETFs]
Replies: 3353
Views: 261696

Re: HEDGEFUNDIE's excellent adventure [risk parity strategy using 3x leveraged ETFs]

Maybe I don’t understand how these funds get their leverage, but isn’t there a non-zero (and even high) percentage chance that at some point these funds will end up at zero? To get 3x leverage, for every share of underlying fund owned there needs to be 2 coming from leverage. If the underlying index...
by software
Fri Feb 08, 2019 7:53 pm
Forum: Personal Investments
Topic: Whats better to hold, Roth dollars or Tax-deferred dollars ?
Replies: 84
Views: 5717

Re: Whats better to hold, Roth dollars or Tax-deferred dollars ?

You are missing the fact that you now have a smaller amount to invest because of having to pay taxes out of it at a high tax rate. If your tax rate is exactly the same at the time of contribution and the time of withdrawal, there is actually zero difference between tax deferred and Roth. You can do ...
by software
Thu Feb 07, 2019 9:22 am
Forum: Investing - Theory, News & General
Topic: Rebalance Timing?
Replies: 17
Views: 1100

Re: Rebalance Timing?

If you put in a mutual fund trade during the trading day, it will execute the same day.

For example, if you put in an exchange at 3:30PM EST then the trade will execute same day. It still gives a half an hour where the market could move wildly, but it makes the chances far less likely.
by software
Mon Feb 04, 2019 12:46 am
Forum: Personal Finance (Not Investing)
Topic: Taxes: how to account for returning sign-on bonus in 2018?
Replies: 3
Views: 415

Re: Taxes: how to account for returning sign-on bonus in 2018?

Bonus income is reported on your w2. I would expect your employer should automatically adjust the reprorted income on your w2 to acccount for the return.
by software
Fri Jan 25, 2019 5:32 pm
Forum: Personal Investments
Topic: Switch from VXUS (VTIAX) to Fidelity No Fee fzilx?
Replies: 10
Views: 1206

Re: Switch from VXUS (VTIAX) to Fidelity No Fee fzilx?

You realize FZIlX is a mutual fund and not an etf, right? Your zero commission likely does not apply to mutual funds although admittedly I don’t know much about the Merrill edge platform.
by software
Thu Jan 24, 2019 8:16 pm
Forum: Personal Investments
Topic: PG&E stock or ETF at Vanguard?
Replies: 26
Views: 2145

Re: PG&E stock of ETF at Vanguard?

I went to a poker game once. First time. Everyone was very eager to teach me how to play. Did pretty well--a certain kind of crazy, you know? You gotta be a little crazy or a little lucky to win at this game. You actually don’t need to be either, you just need to be patient. Something which most pe...
by software
Thu Jan 24, 2019 7:58 pm
Forum: Personal Investments
Topic: PG&E stock or ETF at Vanguard?
Replies: 26
Views: 2145

Re: PG&E stock of ETF at Vanguard?

I went to a poker game once. First time. Everyone was very eager to teach me how to play. Did pretty well--a certain kind of crazy, you know? You gotta be a little crazy or a little lucky to win at this game. You actually don’t need to be either, you just need to be patient. Something which most pe...
by software
Wed Jan 23, 2019 10:14 am
Forum: Personal Finance (Not Investing)
Topic: Too Much Savings for Income Manipulation for ACA Purposes?
Replies: 84
Views: 5035

Re: Too Much Savings for Income Manipulation for ACA Purposes?

The largest subsidy you might get from ACA is about $12,000 per year. That is less than 0.5 % of your portfolio. I think your daily fluctuations in the value of your taxable would swamp that most days. Are you really concerned about this? Sorry, but this is incorrect information. (unless you are as...
by software
Tue Jan 22, 2019 3:03 pm
Forum: Investing - Theory, News & General
Topic: Fake Passive Investors
Replies: 51
Views: 3000

Re: Fake Passive Investors

I find it interesting the level of offense that people take over something recognized by those same people as meaningless and of no value. The vanguard statement provided by the OP outlines how they categorize whether a FUND is active or passive. This statement does not carry over to individual inve...
by software
Sun Jan 06, 2019 9:07 pm
Forum: Personal Finance (Not Investing)
Topic: Are we at "Peak FI"?
Replies: 93
Views: 10308

Re: Are we at "Peak FI"?

BeanCity wrote:
Sun Jan 06, 2019 3:30 pm
Has the recent downtick in the stockmarket got you in trouble to the point you have to short sell assets?
I think you are confused on what “short selling assets” means.

It doesn’t mean selling assets when they are down.
by software
Sun Jan 06, 2019 8:57 pm
Forum: Investing - Theory, News & General
Topic: Avoid rebalancing between risky assets. Let bulls run.
Replies: 33
Views: 2930

Re: Avoid rebalancing between risky assets. Let bulls run.

To the extent that rebalancing makes any difference at all, yearly rebalancing seems harmful, while a very wide rebalancing "band" of 10-15% seems to often increase returns slightly and decrease volatility slightly. In the very long run equities will out outperform fixed income because they are mor...
by software
Mon Dec 31, 2018 2:21 pm
Forum: Investing - Theory, News & General
Topic: Questions for the BH “All Stars”
Replies: 23
Views: 2205

Re: Questions for the BH “All Stars”

^ You do know that it takes longer than 15 minutes for most people to find the bogleheads' wiki, don't you? I wish to add that everyone is very suspicious of anything found on the internet nowadays. I could tell acquaintances that bogleheads.org is the best place on the internet to get unbiased and...
by software
Sun Dec 30, 2018 11:03 pm
Forum: Personal Investments
Topic: 7% guaranteed return fund in 403b
Replies: 23
Views: 3074

Re: 7% guaranteed return fund in 403b

This sounds like an annuity. https://forum.mrmoneymustache.com/share-your-badassity/7-guaranteed-tda-for-nyc-teachers/ It may still be a good deal, but it isn't 7% rate of return, as the amounts presumably dont increase for inflation and there is no terminal value. It’s actually not anything like a...
by software
Sun Dec 30, 2018 9:29 pm
Forum: Personal Investments
Topic: 7% guaranteed return fund in 403b
Replies: 23
Views: 3074

Re: 7% guaranteed return fund 403b?

There is no free lunch. The 7% guaranteed return you are getting is heavily subsidized by NY taxes and should be considered part of your benefit package. I think you would be insane to give that up.

Ride that gravy train as long as you can...
by software
Sun Dec 30, 2018 1:10 pm
Forum: Personal Finance (Not Investing)
Topic: Anyone Tax Loss Harvest FBIOX and avoid Wash Sale?
Replies: 1
Views: 150

Re: Anyone Tax Loss Harvest FBIOX and avoid Wash Sale?

Your brokerage will only mark a wash sale if you buy exactly the same fund. After that, it is up to you to determine whether your new fund is substantially identical. I personally only consider things identical if they track the same index with the same strategy. The funds you listed are not even cl...
by software
Fri Dec 28, 2018 3:10 pm
Forum: Investing - Theory, News & General
Topic: [Vanguard Founder Jack Bogle Says It’s Time to Play It Safe]
Replies: 153
Views: 14369

Re: Vanguard Founder Jack Bogle Says It’s Time to market time

The assumption that everyone has the same course leads to a lot of misunderstandings. Some of us have courses that are dependent on various methods of valuation (which for me go beyond a simple P/E ratio.) I stay on my course by reducing my stock holdings when I am not comfortable with the valuatio...
by software
Fri Dec 28, 2018 3:07 pm
Forum: Investing - Theory, News & General
Topic: [Vanguard Founder Jack Bogle Says It’s Time to Play It Safe]
Replies: 153
Views: 14369

Re: [Vanguard Founder Jack Bogle Says It’s Time to Play It Safe]

Bogle preaches stay the course but has practiced market timing multiple times.

As the old saying goes “Do as I say, not as I do”?

I thank bogle immensely for his work in index funds, but I’m not doing a thing.
by software
Wed Dec 26, 2018 2:33 pm
Forum: Personal Investments
Topic: Last day of TLH for Year 2018
Replies: 9
Views: 1369

Re: Last day of TLH for Year 2018

How does one know how much to sell for the purpose of TLH? If you had say $50K taxable and it lost 10%, do you sell all of it? Half? Typically you would sell all lots with losses using SpecId method. You would also want to sell any lots aquired within 30 days, whether they have gains or losses, to ...
by software
Sun Dec 23, 2018 10:28 am
Forum: Personal Investments
Topic: TLH technique question - how to best time a swap from ETF to mutual fund or vice versa
Replies: 28
Views: 1444

Re: TLH technique question - how to best time a swap from ETF to mutual fund or vice versa

Time out of the market is just one concern. You also have to make sure you aren’t getting taken on bid ask spreads and discount/premium on nav.

Again, MFs just make this process simpler (not that it can’t also be done with etfs).
by software
Sun Dec 23, 2018 10:22 am
Forum: Personal Investments
Topic: TLH technique question - how to best time a swap from ETF to mutual fund or vice versa
Replies: 28
Views: 1444

Re: TLH technique question - how to best time a swap from ETF to mutual fund or vice versa

This is one reason I appreciate mutual funds. You can exchange between mutual funds to TLH directly at NAV, with zero time out of the market and no risk of price changes between trades.

Just makes things so much simpler.
by software
Sat Dec 22, 2018 7:55 pm
Forum: Personal Finance (Not Investing)
Topic: $1 in 401k vs $1 in savings account - which would you take?
Replies: 46
Views: 1595

Re: $1 in 401k vs $1 in savings account - which would you take?

You may find this calculator interesting: https://www.aarp.org/work/retirement-planning/taxable_vs_tax_deferred_calculator/ You can play around with different inputs, but if I put in 1000000 dollars in each account and keep tax rate during contributions and withdrawals the same (25%, which is conser...
by software
Sat Dec 22, 2018 7:39 pm
Forum: Personal Finance (Not Investing)
Topic: $1 in 401k vs $1 in savings account - which would you take?
Replies: 46
Views: 1595

Re: $1 in 401k vs $1 in savings account - which would you take?

Am I missing something? The premise of the question makes no sense. Of course 1 dollar in a Savings account tax free is better than 1 dollar in a 401k subject to normal pretax rules. You can just invest the dollar in the savings in a taxable brokerage account and pay less taxes overall. The power of...
by software
Sat Dec 22, 2018 10:03 am
Forum: Personal Finance (Not Investing)
Topic: TLH for VTIAX - 21K Loss [Tax Loss Harvesting for Vanguard Total Int'l]
Replies: 15
Views: 1156

Re: TLH for VTIAX - 21K Loss

Don't want to hijack thread but I have similar losses of VTIAX in my taxable account. At what point do you stop tax loss harvesting. Lets just say we are entering a similar bear market to that of 08-09. If one continues to TLH all the way to the bottom, in essence aren't they buying high and sellin...
by software
Fri Dec 21, 2018 11:03 pm
Forum: Personal Investments
Topic: Can I cause a wash sale with "trusts" in my 401(k)?
Replies: 27
Views: 1288

Re: Can I cause a wash sale with "trusts" in my 401(k)?

401k's are not included in wash sales. Those that try and come up with made up reasons why these accounts should be included are wrong. Quite a bold statement. Please provide clear guidance in tax law or a tax court ruling that supports this. All I have seen is wishful thinking, conjecture, and arg...
by software
Wed Dec 19, 2018 11:55 pm
Forum: Personal Consumer Issues
Topic: Apple Watch...Fall detection feature really works...almost too well..
Replies: 12
Views: 2294

Re: Apple Watch...Fall detection feature really works...almost too well..

I’m guessing given the anecdotal testimonies here, emergency service dispatchers really hate these things.
by software
Sat Nov 10, 2018 9:34 pm
Forum: Investing - Theory, News & General
Topic: Vanguard lowering Admiral level to $3,000?
Replies: 227
Views: 20908

Re: Admiral share class for total world stock

jibantik wrote:
Sat Nov 10, 2018 2:21 pm
If we get admiral shares for total world it will be the happiest day I've had in the past 5 years. And I got married recently :shock:
That’s pretty sad actually...
by software
Sun Oct 21, 2018 11:06 pm
Forum: Personal Investments
Topic: Unavoidable market timing decision - RSU vesting
Replies: 5
Views: 727

Re: Unavoidable market timing decision - RSU vesting

I just got an offer for a new job that I intend to take. The offer includes an RSU component that vests over four years. The RSU offer is expressed as a $ amount, but the actual # of shares I get depends on when I start the job. 1. If I start in November, then the total number of shares that are gr...
by software
Sat Oct 20, 2018 9:04 pm
Forum: Personal Investments
Topic: New retirement investor seeking advice...
Replies: 5
Views: 865

Re: New retirement investor seeking advice...

1. Wow, that’s a lot of cash. That’s too bad because you missed the huge run up in stocks. There is no good answer to this, if it was me I’d invest it Monday. Most people will tell you to DCA over 12 months. Just get that money in the market as fast as you are comfortable. The most important part is...