Search found 17 matches

by TurksandCaicos01
Wed Jul 25, 2018 8:39 am
Forum: Investing - Help with Personal Investments
Topic: Tax Efficiency Vanguard Funds
Replies: 10
Views: 1586

Re: Tax Efficiency Vanguard Funds

Thanks grabiner, I am in the highest tax bracket. I struggle with overlap in my accounts because at my current savings rate I am able to save more annually than can be placed in my retirement accounts. I am currently restructuring everything for tax efficiency so trying to learn what's the best plac...
by TurksandCaicos01
Tue Jul 24, 2018 8:40 pm
Forum: Investing - Help with Personal Investments
Topic: Tax Efficiency Vanguard Funds
Replies: 10
Views: 1586

Re: Tax Efficiency Vanguard Funds

Thanks I've read the bogleheads tax efficiency page several times. I am still learning.

I was asking about the tax efficiency of the particular funds VEMAX, VXUS and VSIAX.

Thanks.
by TurksandCaicos01
Tue Jul 24, 2018 8:30 pm
Forum: Investing - Help with Personal Investments
Topic: Tax Efficiency Vanguard Funds
Replies: 10
Views: 1586

Tax Efficiency Vanguard Funds

How tax efficient are Vanguard funds such as VEMAX and VXUS when the only choice is to place them in Taxable account? If these are not tax-efficient what are funds that are similar but more tax-efficient. I did a search and still had a hard time determining tax efficiency. If these are not tax-effic...
by TurksandCaicos01
Thu Feb 08, 2018 10:18 pm
Forum: Investing - Help with Personal Investments
Topic: Please critique...fairly new to the boglehead method!!
Replies: 11
Views: 828

Re: Please critique...fairly new to the boglehead method!!

Questions: 1. Am I on the right track? What would you change? I like that at your age you are jumping on this with both feet. I wouldn't change much, but it would be helpful to fill in the blanks as already suggested. 2. What other accounts should I open, in the event I have cash left over? Are you...
by TurksandCaicos01
Thu Feb 08, 2018 6:52 pm
Forum: Investing - Help with Personal Investments
Topic: Please critique...fairly new to the boglehead method!!
Replies: 11
Views: 828

Re: Please critique...fairly new to the boglehead method!!

Welcome! 1. I would have more bonds. My vote is at least 10%. I would not own bond funds or funds that hold bonds in taxable, as they cause taxable distributions at your ordinary income tax rate. I would minimize the number funds and stick with just index funds. Maybe even use target retirement fun...
by TurksandCaicos01
Thu Feb 08, 2018 6:48 pm
Forum: Investing - Help with Personal Investments
Topic: Please critique...fairly new to the boglehead method!!
Replies: 11
Views: 828

Re: Please critique...fairly new to the boglehead method!!

I think I'm seeing a lot of overlap, not sure without full names of funds/ETFs. Aren't FSTVX and ITOT the same thing? As well as FTIPX and IXUS. And what's with the mid-cap tilt? In taxable at Vanguard you want: Vanguard Total Stock Market Index Fund Admiral Shares (VTSAX) ER 0.04% and/or Vanguard ...
by TurksandCaicos01
Thu Feb 08, 2018 6:47 pm
Forum: Investing - Help with Personal Investments
Topic: Please critique...fairly new to the boglehead method!!
Replies: 11
Views: 828

Re: Please critique...fairly new to the boglehead method!!

Please spell out the names of the funds. While I know that FCNTX - is Fidelity Contrafund, and a few of the other symbols as well, you will get the most responses if you type out the names since we don't have the time to look them up. I will say, I don't recommend holding actively managed funds in ...
by TurksandCaicos01
Thu Feb 08, 2018 6:02 pm
Forum: Investing - Help with Personal Investments
Topic: Please critique...fairly new to the boglehead method!!
Replies: 11
Views: 828

Please critique...fairly new to the boglehead method!!

Emergency Fund: Done. Debt: None Tax Filing Status: Single Tax Rate: 39% Federal, 6% State Age: 31 Desired Asset Allocation: 95% stocks until 35, 5% bonds (Aggressive growth) Desired International Allocation: 70% US, 30% International Total: high five-figures Taxable (auto-invested monthly) Vanguar...
by TurksandCaicos01
Fri Oct 13, 2017 7:40 am
Forum: Investing - Help with Personal Investments
Topic: VTSMX vs. VTI
Replies: 16
Views: 3912

Re: VTSMX vs. VTI

I agree that you should not pay any commissions because Fidelity has good options. You got some good answers about mutual funds vs ETFs. But part of your initial question was about expense ratios. FSTMX = Fidelity total market index fund, investor class ($2,500 minimum, 0.09% expense ratio) FSTVX =...
by TurksandCaicos01
Fri Oct 13, 2017 7:38 am
Forum: Investing - Help with Personal Investments
Topic: VTSMX vs. VTI
Replies: 16
Views: 3912

Re: VTSMX vs. VTI

Thus the only difference between FSTVX and ITOT is the expense ratio? This is the reason you say you would use the free iShares ETF? Correct? I only use ETFs, other than my 401(k), period. I want flexibility and ETFs do the best job of that. I don't see any reason to use traditional mutual funds. W...
by TurksandCaicos01
Thu Oct 12, 2017 7:23 pm
Forum: Investing - Help with Personal Investments
Topic: VTSMX vs. VTI
Replies: 16
Views: 3912

Re: VTSMX vs. VTI

To clarify: When investing in a IRA at Fidelity with the goal of diversifying in a total US stock market fund- VTSAX, FSTVX and ITOT are essentially the same in their holdings. VTSAX (ER 0.04): would charge a initial purchase fee and trade fee because using Fidelity FSTVX (ER 0.04): However with no ...
by TurksandCaicos01
Thu Oct 12, 2017 6:52 pm
Forum: Investing - Help with Personal Investments
Topic: VTSMX vs. VTI
Replies: 16
Views: 3912

Re: VTSMX vs. VTI

thank you for your quick responses, most of you have confirmed what I thought. I will likely be buying ETFs. Is the 10,000 minimum per trade or total investments held in that specific admiral fund? Livesoft brought up equivalent funds at Fidelity so now I will do my research about Fidelity funds in ...
by TurksandCaicos01
Thu Oct 12, 2017 5:02 pm
Forum: Investing - Help with Personal Investments
Topic: VTSMX vs. VTI
Replies: 16
Views: 3912

VTSMX vs. VTI

What is the difference between these two? I understand one is a mutual fund and one is an ETF VTI has a lower expense ratio thus why wouldn't everyone always go with VTI? Confused and working on holdings for my three (four) fund portfolio :) My three-fund portfolio will be held at fidelity. Thank you
by TurksandCaicos01
Fri Sep 29, 2017 8:15 am
Forum: Investing - Help with Personal Investments
Topic: Health savings account
Replies: 7
Views: 1135

Health savings account

Anyone have any good recommendations for where to open up an HSA? Preferably one with low costs and fees. I have a HDHP and am eligible to open an HSA. This has to be done individually and not through the company so we have the option of using whoever we want to. I know vanguards website seems to st...
by TurksandCaicos01
Tue May 30, 2017 2:34 pm
Forum: Investing - Help with Personal Investments
Topic: Maximizing Personal Financial Plan
Replies: 5
Views: 906

Re: Maximizing Personal Financial Plan

I would keep reading bogleheads and try to get rid of the individual stock. I would definitely pursue the backdoor Roth IRA and try to get that 53k into your 401k (I assume via non-deductible contributions over 18k and backdoor mega roth ira conversions??) I would try to start out from day 1 living...
by TurksandCaicos01
Tue May 30, 2017 2:31 pm
Forum: Investing - Help with Personal Investments
Topic: Maximizing Personal Financial Plan
Replies: 5
Views: 906

Re: Maximizing Personal Financial Plan

Congratulations on your new job. In general, investing goes something like 1. 401k to the match 2. Max Roth 3. Max 401k 4. Taxable investing At that high a tax bracket the Roth may or may not be a good idea. An hsa might be better if you have a high deductable health insurance. You should open a ta...
by TurksandCaicos01
Tue May 30, 2017 9:56 am
Forum: Investing - Help with Personal Investments
Topic: Maximizing Personal Financial Plan
Replies: 5
Views: 906

Maximizing Personal Financial Plan

Hi everyone, I am new to the forum but have done some personal finance reading to educate myself. I am feeling a bit overwhelmed. I am 30 yrs of age and will be starting a new job within the year where my salary will be substantially increased >$250K. I am single, never married and currently a rente...