Search found 523 matches

by retiringwhen
Sat Nov 17, 2018 1:06 pm
Forum: Investing - Theory, News & General
Topic: Is Fidelity Zero Fund BETTER than Fidelity Expense Ratio Fund
Replies: 13
Views: 912

Re: Is Fidelity Zero Fund BETTER than Fidelity Expense Ratio Fund

Will there ever be a "lower free" response from Vanguard? Doubt it. I do not have numbers to prove it but I am 95% confident that the average and median customer at vanguard pays a lower expense than than the same customer at Fidelity or ANY other brokerage or mutual fund company. Focusing on one f...
by retiringwhen
Sat Nov 17, 2018 8:50 am
Forum: Investing - Theory, News & General
Topic: Is Fidelity Zero Fund BETTER than Fidelity Expense Ratio Fund
Replies: 13
Views: 912

Re: Is Fidelity Zero Fund BETTER than Fidelity Expense Ratio Fund

TLDR Summary: The Zero funds can you surely save some pennies now with little risk if you don't allow them to trap you in unmovable situations though (taxable mutual fund accounts being the primary risk.) Here is the longer summary of the consensus as I understand it. If you are already a Fidelity c...
by retiringwhen
Fri Nov 16, 2018 12:58 pm
Forum: Investing - Theory, News & General
Topic: Alpha Architect: Factor Investing Fact Check: Are Value And Momentum Dead?
Replies: 27
Views: 1591

Re: Alpha Architect: Factor Investing Fact Check: Are Value And Momentum Dead?

Large cap tech stocks have had an amazing run, hats off. But some of the headliners seem on tenuous ground to me. I can't make a great argument for why Amazon and Netflix stocks should have any nominal returns for the next 15 years, given current valuations. You're essentially buying hope. I'm incl...
by retiringwhen
Fri Nov 16, 2018 11:35 am
Forum: Investing - Theory, News & General
Topic: Alpha Architect: Factor Investing Fact Check: Are Value And Momentum Dead?
Replies: 27
Views: 1591

Re: Alpha Architect: Factor Investing Fact Check: Are Value And Momentum Dead?

White Coat Investor wrote:
Fri Nov 16, 2018 11:24 am
Pick something reasonable and stick with it. Over a typical 60 year investing career, most segments of the market will have their day in the sun multiple times.
+1
by retiringwhen
Thu Nov 15, 2018 10:16 pm
Forum: Investing - Theory, News & General
Topic: Vanguard investor class shares on their way out?
Replies: 75
Views: 6803

Re: Vanguard investor class shares on their way out?

So here is a summary of the Vanguard Total Stock Market Index Fund (VTSAX and variants) using last years annual report (12/31/17) https://investor.vanguard.com/mutual-funds/profile/VTSAX Attached is a spreadsheet that I did the calculations (loads of detail that will get munged on the forum display)...
by retiringwhen
Thu Nov 15, 2018 1:22 pm
Forum: Investing - Theory, News & General
Topic: Vanguard investor class shares on their way out?
Replies: 75
Views: 6803

Re: Vanguard investor class shares on their way out?

Have you looked at the FSKAX prospectus to see if they are subsidizing the expense ratio? the Zero Funds are assumed to have actual expenses of 0.05% Here's the breakdown from the FSKAX propectus: Expenses Management fee $4,005,590 Transfer agent fees 2,802,870 Independent trustees' fees and expens...
by retiringwhen
Thu Nov 15, 2018 12:53 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 7839
Views: 1608943

Re: U.S. stocks in freefall

CULater wrote:
Thu Nov 15, 2018 12:46 pm

I was tilting to SCV, U.S. and Foreign. Both down over 11%. Not everybody invests in LCG!
I just TLHd part of my International into a Development Markets only fund just in time for Emerging Markets to pop! I still have a good part of the other funds in total international (VTIAX and VFWAX).
by retiringwhen
Thu Nov 15, 2018 12:49 pm
Forum: Investing - Theory, News & General
Topic: Vanguard investor class shares on their way out?
Replies: 75
Views: 6803

Re: Vanguard investor class shares on their way out?

Since Fidelity did recently merge their share classes for their index, I was curious how well their expenses matched the posted ER. For example, we can take a look at Fidelity Total Market Index Fund and analyze the latest semi-annual report posted on Oct 30,2018. The fund reported net assets of $5...
by retiringwhen
Wed Nov 14, 2018 3:33 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 7839
Views: 1608943

Re: U.S. stocks in freefall

So what is a gap? I am thinking of changing my entire philosophy to using TA / gypsies for my investing strategy, but I need to know the lingo :-) Haha, I can assist with the definition. The rest, however, is on you https://www.investopedia.com/terms/g/gap.asp https://en.wikipedia.org/wiki/Gap_(cha...
by retiringwhen
Wed Nov 14, 2018 3:07 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 7839
Views: 1608943

Re: U.S. stocks in freefall

For those that follow TA, we filled one of two gap-ups from early November. Another one exist just below the 2700 level on the S&P. The S&P was down over 1% intraday, however, gap under 2700 was filled :beer So what is a gap? I am thinking of changing my entire philosophy to using TA / gypsies for ...
by retiringwhen
Wed Nov 14, 2018 6:39 am
Forum: Investing - Help with Personal Investments
Topic: Strategy during the last stock market decline
Replies: 58
Views: 6131

Re: Strategy during the last stock market decline

My wife and I were really scared. We did nothing at all. I wouldn't call it a "strategy." Sounds like our dinner table. I kept saying, don’t look and we didn’t for the most part. We held tight and it is now a distant memory. I got burned in the .com crash (a little) by actively trying to play the m...
by retiringwhen
Tue Nov 13, 2018 6:19 pm
Forum: Investing - Help with Personal Investments
Topic: Approximate Total Stock Market
Replies: 5
Views: 536

Re: Approximate Total Stock Market

MotoTrojan wrote:
Tue Nov 13, 2018 3:15 pm
Id frankly just use SP500. Close enough.
As someone who faces similar choices, I agree, stick with VFIAX and don't sweat it, the other funds just fiddle with your expected returns wrt the overall market. S&P500 and the Total Stock Market are so close you won't notice the missing Small Caps.
by retiringwhen
Tue Nov 13, 2018 11:06 am
Forum: Investing - Theory, News & General
Topic: Vanguard investor class shares on their way out?
Replies: 75
Views: 6803

Re: Vanguard investor class shares on their way out?

I guess that is the question, are they truly able to do that or are they subsidizing those who use ETFs? (Where "they" is Vanguard's brokerage, not Vanguard's funds/ETFs) It has been discussed on the forum and other places by folks in the know. They believe it is possible to cover the costs with ju...
by retiringwhen
Tue Nov 13, 2018 10:47 am
Forum: Investing - Theory, News & General
Topic: Vanguard investor class shares on their way out?
Replies: 75
Views: 6803

Re: Vanguard investor class shares on their way out?

I'm not sure why anyone with less than $10K would use investor class shares instead of the equivalent but cheaper ETF in the first place. To avoid the annoyance of ETFs, while building balance to reach the Admiral level? This. And the extra cost of investor shares is de minimus (and you could lose ...
by retiringwhen
Tue Nov 13, 2018 9:39 am
Forum: Investing - Theory, News & General
Topic: Vanguard investor class shares on their way out?
Replies: 75
Views: 6803

Re: Vanguard investor class shares on their way out?

But then the brokerage charges nothing for this service, either. Vanguard brokerage is free with no minimum balance, correct? There is no commission on buying/selling of Vanguard ETFs at Vanguard's brokerage and the ER of these ETFs is the same as Admiral shares. That is why Vanguard's free ETF mov...
by retiringwhen
Tue Nov 13, 2018 9:16 am
Forum: Personal Consumer Issues
Topic: Upstairs Floor is No Longer Used....
Replies: 22
Views: 2700

Re: Upstairs Floor is No Longer Used....

I don't see how an Ecobee-type system allows the OP to lower costs. It will focus on making rooms that matter the desired temp. OP wants to run the system as little as possible. Move the thermostat into the room that is the most regular from a temperature perspective. If the recreation room qualifi...
by retiringwhen
Tue Nov 13, 2018 8:57 am
Forum: Personal Consumer Issues
Topic: Upstairs Floor is No Longer Used....
Replies: 22
Views: 2700

Re: Upstairs Floor is No Longer Used....

Nest has a similar feature, but it works slightly different (you basically tell it which temperature sensor to use when). We use it for similar reasons. I work from my home office downstairs with the wired thermostat upstairs. I set the Nest to keep the office comfortable during work hours and ignor...
by retiringwhen
Tue Nov 13, 2018 8:51 am
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 7839
Views: 1608943

Re: U.S. stocks in freefall

VictoriaF wrote:
Mon Nov 12, 2018 6:55 pm
Market is undergoing a post-election recount.

Victoria
+1
by retiringwhen
Tue Nov 13, 2018 8:49 am
Forum: Investing - Theory, News & General
Topic: Vanguard investor class shares on their way out?
Replies: 75
Views: 6803

Re: Vanguard investor class shares on their way out?

I don't see the merging of shares classes resulting in a fee increase given what happened with Fidelity and VGs own pricing of its ETFs. Also, VG already waives Admiral minimums in certain 401k and HSA situations. I could see the minimums change if Fidelity is able to make a significant dent in the...
by retiringwhen
Mon Nov 12, 2018 6:41 pm
Forum: Investing - Help with Personal Investments
Topic: Cheapest and simplest way to do a 1/3 asset class portfolio
Replies: 9
Views: 625

Re: Cheapest and simplest way to do a 1/3 asset class portfolio

I think I can hold out on panic. My portfolio was down almost 10% a month ago and I didn't freak at all. Sounds good! Most people don't blink at a 10% fall over a one-month period. I'm talking about a 50% drop over 6-8 months. From Oct 2007 to Mar 2009 the US markets fell by ~55%. I'm guessing a po...
by retiringwhen
Sun Nov 11, 2018 8:08 am
Forum: Investing - Help with Personal Investments
Topic: Does Vanguard Prime Money Market Fund’s expense ration take out a large bite?
Replies: 3
Views: 883

Re: Does Vanguard Prime Money Market Fund’s expense ration take out a large bite?

Vanguard Prime MM or Fed MM already include expense ratio on their return. So, what you see is what you get 2-2.23% net return. I would move it yesterday if I were you. Agreed, SEC yields are AFTER expenses are deducted for all mutual fund products. Btw, look at VUSXX if you live in a high tax stat...
by retiringwhen
Fri Nov 09, 2018 1:13 pm
Forum: Investing - Theory, News & General
Topic: The Perfect Portfolio for You
Replies: 27
Views: 4217

Re: The Perfect Portfolio for You

Rick Ferri wrote:
Fri Nov 09, 2018 1:00 pm
And there are the Core-4 Portfolios, of course! :wink:

Rick Ferri
Yeah, that one too :oops: I was going to reference it in the middle paragraph.....
by retiringwhen
Fri Nov 09, 2018 12:51 pm
Forum: Investing - Theory, News & General
Topic: The Perfect Portfolio for You
Replies: 27
Views: 4217

Re: The Perfect Portfolio for You

Well said Rick. Sometimes folks equate the Three-fund portfolio with Boglehead-ness because it has been rightfully so successful as a strategy from a mind-share perspective. The 3-fund portfolio is kind of the Ford Model A (at least you can get it in white :happy ) and works for such a large percent...
by retiringwhen
Fri Nov 09, 2018 12:38 pm
Forum: Investing - Help with Personal Investments
Topic: Tax loss harvesting GE stock options?
Replies: 6
Views: 761

Re: Tax loss harvesting GE stock options?

Ugh. Just got rid of all our holding in GE stock. The last remaining shares. At $9.13 this morning. Had I waited I could have gotten $9.20. I now have a cost basis I can record as loss. As soon as the funds are available I will move it into VTSAX but wondering if I should split it between Index 500...
by retiringwhen
Fri Nov 09, 2018 7:59 am
Forum: Investing - Help with Personal Investments
Topic: Tax loss harvesting GE stock options?
Replies: 6
Views: 761

Re: Tax loss harvesting GE stock options?

Ugh. Just got rid of all our holding in GE stock. The last remaining shares. At $9.13 this morning. Had I waited I could have gotten $9.20. I now have a cost basis I can record as loss. As soon as the funds are available I will move it into VTSAX but wondering if I should split it between Index 500...
by retiringwhen
Thu Nov 08, 2018 6:51 am
Forum: Investing - Help with Personal Investments
Topic: Inherited Inherited IRA RMD strategy
Replies: 12
Views: 984

Re: Inherited Inherited IRA RMD strategy

BTW, a small part time job would be very valuable in your situation. $5,500 of earned income could effectively be 100% put into a Roth IRA. My son (aged 20) is a student and works summer jobs and a 4 hour a week part time job at college for spending money. I am matching (gifting) that income so he c...
by retiringwhen
Wed Nov 07, 2018 10:26 pm
Forum: Investing - Help with Personal Investments
Topic: Inherited Inherited IRA RMD strategy
Replies: 12
Views: 984

Re: Inherited Inherited IRA RMD strategy

If you aren't a dependent, then you are subject to the regular tax rates. If you are a student with no current earned income, you may actually want to accelerate the distributions to fill in the zero tax bracket in the individual income tables. For now, all you could do is put it in a taxable invest...
by retiringwhen
Tue Nov 06, 2018 4:59 pm
Forum: Investing - Help with Personal Investments
Topic: Rolled 401k into Fidelity...Now what?
Replies: 8
Views: 406

Re: Rolled 401k into Fidelity...Now what?

Are the Zero funds available in Solo-401(K)? I thought not. IRA yes.
by retiringwhen
Tue Nov 06, 2018 1:48 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard Transactions & Cost Basis Discrepancies.
Replies: 22
Views: 1856

Re: Vanguard Transactions & Cost Basis Discrepancies.

Wishskates wrote:
Tue Nov 06, 2018 1:38 pm
I was hoping it was just me not understanding.

All I have had is Vanguard errors since I started there. This after moving all of our IRA funds and taxable there. Like I went all in with them and it's been a mess.
Cost Basis management has been one of their achilles heels......
by retiringwhen
Tue Nov 06, 2018 1:19 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard Transactions & Cost Basis Discrepancies.
Replies: 22
Views: 1856

Re: Vanguard Transactions & Cost Basis Discrepancies.

I'm 100% sure it's Specific Identification. That's the way I set it up and I've triple checked this. Two more thoughts. One, how soon after making the first purchase did you set the Spec ID setting? It took about 10 days for me to see the cost basis page get updated after I made the change on a fun...
by retiringwhen
Tue Nov 06, 2018 12:59 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard Transactions & Cost Basis Discrepancies.
Replies: 22
Views: 1856

Re: Vanguard Transactions & Cost Basis Discrepancies.

I'm 100% sure it's Specific Identification. That's the way I set it up and I've triple checked this. Two more thoughts. One, how soon after making the first purchase did you set the Spec ID setting? It took about 10 days for me to see the cost basis page get updated after I made the change on a fun...
by retiringwhen
Tue Nov 06, 2018 12:23 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard Transactions & Cost Basis Discrepancies.
Replies: 22
Views: 1856

Re: Vanguard Transactions & Cost Basis Discrepancies.

Is this account an IRA? If so, Vanguard only support Average Cost for mutual funds in IRA accounts (ETF's can track Spec. ID).
by retiringwhen
Tue Nov 06, 2018 12:18 pm
Forum: Investing - Help with Personal Investments
Topic: Frustrating issue with VG website. Need advice.
Replies: 12
Views: 1733

Re: Frustrating issue with VG website. Need advice.

Why can't I remove accounts from my own website? And why can't Vanguard do anything about it? Well, it isn't your website. It is Vanguards. Though I can see how this can be slightly annoying, it is hardly a big deal. Ignore them. They have zero balances so it is unlikely to confuse anything. My gue...
by retiringwhen
Tue Nov 06, 2018 11:57 am
Forum: Personal Finance (Not Investing)
Topic: Estate Documents
Replies: 32
Views: 2626

Re: estate Documents

Living Trusts for Everyone: Why a Will is Not the Way to Avoid Probate, Protect Heirs, and Settle Estates by Ron Sharp Hmm. 2 non-lawyers recommending the same book. :thumbsup As a non-lawyer, I will suggest that the need for Living Trust is probably alot more location (state of residence) than fol...
by retiringwhen
Mon Nov 05, 2018 10:05 pm
Forum: Investing - Theory, News & General
Topic: Investments with zero yield
Replies: 41
Views: 3490

Re: Investments with zero yield

I have been toying with splitting my Taxable and IRA portions of my US Stocks with: VIGAX (Vanguard Growth Index Admiral) in Taxable. It has an SEC yield of 1.23% and hasn't paid a LTCG distribution in a very long time. VVIAX (Vanguard Value Index Admiral) in IRA with a 2.61% SEC yield. This would b...
by retiringwhen
Mon Nov 05, 2018 2:48 pm
Forum: Personal Finance (Not Investing)
Topic: Estate Documents
Replies: 32
Views: 2626

Re: estate Documents

BTW, bsteiner answered several of my questions on BH that helped us understand our needs. He is a great resource, ignore his sage advice at your peril :D
by retiringwhen
Mon Nov 05, 2018 2:46 pm
Forum: Personal Finance (Not Investing)
Topic: Estate Documents
Replies: 32
Views: 2626

Re: estate Documents

The OP's request is pretty open ended. My wife and I did a major restructure of our estate plan (from simple per stirpes wills to more complicated irrevocable trusts and such) under some significant time pressure due to changed circumstances. After the dust settled, I finally decided to read up more...
by retiringwhen
Sun Nov 04, 2018 5:20 pm
Forum: Personal Consumer Issues
Topic: Mice [updated - not a mouse]
Replies: 54
Views: 4107

Re: Mice

Even if you try and block the openings they are using, they can easily chew new openings. As long as they aren't coming from off of your property, you can do a lot of damage to the population with traps. If the ones you have tried aren't working then try another, there are a lot of variations. Here...
by retiringwhen
Sun Nov 04, 2018 4:44 pm
Forum: Personal Consumer Issues
Topic: Mice [updated - not a mouse]
Replies: 54
Views: 4107

Re: Mice

I have been battling a succession of mice infestations in our house for 10 years. They live outside around the house and when the weather changes, mostly colder they come inside (this month!). I have tried to find the holes/cracks, it is a failing task. I tried outside traps and poison to no discern...
by retiringwhen
Fri Nov 02, 2018 11:32 am
Forum: Investing - Theory, News & General
Topic: When do YOU pull the trigger for TLH? [Tax Loss Harvesting]
Replies: 48
Views: 3100

Re: When do YOU pull the trigger for TLH? [Tax Loss Harvesting]

Sounds like an awful lot of work to save $210 over the course of 25 years. That’s what....$8 a year? If everything works exactly as planned? Assuming your worst case, the future value of that $210 in 25 years is over $900 if you assume 6% annual return on the invested funds not paid in taxes. If yo...
by retiringwhen
Fri Nov 02, 2018 10:53 am
Forum: Personal Finance (Not Investing)
Topic: Extreme credit card debt
Replies: 37
Views: 4169

Re: Extreme credit card debt

Before going down the Bankruptcy path, since you are trying to adopt, I would do serious research on the impact of a bankruptcy on your family's likelihood to be approved by various adoption agencies. I would suspect (but don't have first hand knowledge) that it may have more lingering impacts than ...
by retiringwhen
Fri Nov 02, 2018 9:41 am
Forum: Investing - Theory, News & General
Topic: When do YOU pull the trigger for TLH? [Tax Loss Harvesting]
Replies: 48
Views: 3100

Re: When do YOU pull the trigger for TLH? [Tax Loss Harvesting]

How does this interact with Buy and Hold? For example, in the past week, there have been significant down and significant up days in the market, but our portfolio is about where it was before the down days since we made no moves. If we had sold, we could have TLHed, but would not have had the posit...
by retiringwhen
Fri Nov 02, 2018 9:31 am
Forum: Investing - Theory, News & General
Topic: When do YOU pull the trigger for TLH? [Tax Loss Harvesting]
Replies: 48
Views: 3100

Re: When do YOU pull the trigger for TLH? [Tax Loss Harvesting]

Rarely, if ever, do I recommend TLH. If you think about it, all you’re doing is reducing your basis. So you’re really just kicking the can down the road, because when you sell that asset in the future, you’ll have a higher gain, and wind up paying back all that money that you thought you saved. The...
by retiringwhen
Fri Nov 02, 2018 8:24 am
Forum: Investing - Theory, News & General
Topic: When do YOU pull the trigger for TLH? [Tax Loss Harvesting]
Replies: 48
Views: 3100

Re: When do YOU pull the trigger for TLH? [Tax Loss Harvesting]

with the market being so great for the last 9 years where are these loses coming from. Someone with the 3 fund are seeing that many loses to TLH. Also, with most here I believe investing in work and the 401k in the growing phase, that many people have 18k in 401k plus 5k in Roth and then more to in...
by retiringwhen
Fri Nov 02, 2018 8:15 am
Forum: Investing - Theory, News & General
Topic: Core-4 Investing is LIVE! It really is this time!
Replies: 134
Views: 10077

Re: Core-4 Investing

I don’t think something like core 4 is overly complex but it’ll be interesting to see where we’re headed. The original Boglehead, John C., is a 2-fund kinda guy. Most forum members seem to lean toward a separate 3-fund with international (stocks, but not bonds). There always seems to be a thread ab...
by retiringwhen
Thu Nov 01, 2018 9:15 pm
Forum: Investing - Theory, News & General
Topic: How important is completing VFWAX with VSS
Replies: 4
Views: 383

Re: How important is completing VFWAX with VSS

In my case, with an international developed markets (EAFE) fund, I feel like I have to find an Emerging Markets fund somewhere, if possible, but I wouldn't bother with small caps (or Canada etc). Dealing with one sole ETF to fill that little gap is not worth the hassle. And it doesn't trade like al...
by retiringwhen
Thu Nov 01, 2018 9:13 pm
Forum: Investing - Theory, News & General
Topic: How important is completing VFWAX with VSS
Replies: 4
Views: 383

Re: How important is completing VFWAX with VSS

It is only important if philosophy is more important to you than actual performance. As far as performance goes, there is no difference in holding the one vs holding the both of them. I didn't ask that question at first, but that is really the issue. I don't think the philosophy is all important he...
by retiringwhen
Thu Nov 01, 2018 1:51 pm
Forum: Investing - Theory, News & General
Topic: Core-4 Investing is LIVE! It really is this time!
Replies: 134
Views: 10077

Re: Rick Ferri's new Core-4 (6 versions) Website

Core-4 sounds simple enough, but 6 portfolios with 4 flavors of each. Far from simple. Staying the course in your selected core-4 portfolio seems like it might be an issue. Then you have taxable to tax-sheltered differences. Less is more and more is less? The 3 fund or 4 fund with Total US, Total I...
by retiringwhen
Thu Nov 01, 2018 10:14 am
Forum: Investing - Theory, News & General
Topic: How important is completing VFWAX with VSS
Replies: 4
Views: 383

How important is completing VFWAX with VSS

So, my 401(k) only offers VFWAX (Vanguard FTSE All-World ex-US Admiral Shares) (actually VFWPX, but most people don't know that ticker symbol) with no reasonable other Total international fund or International SmallCap fund options. My 401(K) is the single largest account in our investment portfolio...