Search found 11 matches

by MiamiHeat
Wed Dec 11, 2019 11:17 am
Forum: Personal Investments
Topic: Thoughts on 5 Fund Strategy for Resident Physician
Replies: 23
Views: 3001

Re: Thoughts on 5 Fund Strategy for Resident Physician

Fellow physician a few years older than you, also started reading about and getting involved with investing at your age. I would keep it simple while in residency/fellowship and just pick a total stock and total bond fund at something like a 90/10 or 80/20 split. You can afford to be aggressive sinc...
by MiamiHeat
Mon Dec 09, 2019 12:50 pm
Forum: Personal Investments
Topic: 2020 Plan for $45,000,000 in 2045
Replies: 81
Views: 14847

Re: 2020 Plan for $45,000,000 in 2045

3) Setup my Vanguard Recurring purchases as follows: Monthly automatic purchase: Total Market VTSAX $10,000.00 Vanguard Small Cap VSMAX $1,500.00 Vanguard Small Cap Val VSIAX $500 Vanguard SP 500 VFIAX $1,000.00 Vanguard International VTIAX $2,000.00 Total Bond VBTLX $1,000.00 Tax Ex Muni Ladder VW...
by MiamiHeat
Mon Dec 09, 2019 12:49 pm
Forum: Personal Investments
Topic: 2020 Plan for $45,000,000 in 2045
Replies: 81
Views: 14847

Re: 2020 Plan for $45,000,000 in 2045

Error, deleted post
by MiamiHeat
Fri Oct 19, 2018 1:36 pm
Forum: Personal Investments
Topic: Bond Funds High Tax Rate
Replies: 4
Views: 683

Re: Bond Funds High Tax Rate

So for the purposes of holding bonds, would I have higher overall yield with the tax efficient bond fund in a taxable account versus the regular bond funds in a tax-deferred account?
by MiamiHeat
Thu Oct 18, 2018 9:58 pm
Forum: Personal Investments
Topic: Bond Funds High Tax Rate
Replies: 4
Views: 683

Bond Funds High Tax Rate

My marginal federal tax rate is 35%. I just had my wife invest in VBILX and VBTLX in a taxable account a few days ago, but I've been seeing discussions about VWIUX and it got me thinking I made a mistake. With my tax rate, my TEY for VWIUX would be approximately 4.1%, is that right? Seems like a no-...
by MiamiHeat
Thu Oct 18, 2018 4:45 am
Forum: Personal Investments
Topic: Why not pick Vanguard Intermediate-Term Tax Exempt Fund??
Replies: 15
Views: 2691

Re: Why not pick Vanguard Intermediate-Term Tax Exempt Fund??

This topic applies to me as well, so thank you OP for posting. For clarification, is VWIUX the closest thing to a federal tax exempt version of VBILX? With my 35% federal income tax bracket, my TEY for the former fund would be approximately 4.1%, is that right? I actually just had my wife invest in ...
by MiamiHeat
Tue Aug 21, 2018 1:42 pm
Forum: Personal Investments
Topic: High Tax Bracket Liquid Assets
Replies: 4
Views: 595

Re: High Tax Bracket Liquid Assets

i would vote muni or even a state specific muni fund vs a money market. does it have to go to FI? can it not go to equities? for someone in the 35% bracket, 20K doesnt really matter too much. i wouldnt generate more taxable income though. This money is to serve as an emergency fund plus savings for...
by MiamiHeat
Tue Aug 21, 2018 11:03 am
Forum: Personal Investments
Topic: High Tax Bracket Liquid Assets
Replies: 4
Views: 595

High Tax Bracket Liquid Assets

I am much more of a lurker than poster and first just want to thank the community for being an awesome resource for sound financial advice. You have helped me set up my basic portfolio all by myself with confidence over the last year. I was a student for a long time, accruing debt with nothing to sh...
by MiamiHeat
Fri Jul 07, 2017 9:27 am
Forum: Personal Investments
Topic: Portfolio from Scratch
Replies: 10
Views: 1612

Re: Portfolio from Scratch

Hello! Many people like TREA TIAA Real Estate Account (and TIAA Traditional) there are many many threads about both funds here and at the Morningstar TIAA forums. Since they are options in your fund selections you might want to take time to learn about them - they are interesting options with upsid...
by MiamiHeat
Tue Jul 04, 2017 1:44 pm
Forum: Personal Investments
Topic: Portfolio from Scratch
Replies: 10
Views: 1612

Re: Portfolio from Scratch

Thank you all for the replies! I think I'm going to simplify a couple of things as Duckie suggested. If I'm interested in having a general S&P index fund and also touch more of the small cap market, what is the ideal percentage of small caps to have? I don't mind being fairly aggressive in my po...
by MiamiHeat
Mon Jul 03, 2017 10:47 am
Forum: Personal Investments
Topic: Portfolio from Scratch
Replies: 10
Views: 1612

Portfolio from Scratch

Emergency funds: 3 months (and counting) Debt: 225k at 3% interest. All from medical school loans. Tax Filing Status: Married filing jointly Tax Rate: 33-35% Federal (our income varies based on bonuses), 6.85% State, 3.876% City State of Residence: NY Age: 31 Desired Asset allocation: 80% stocks /20...