Search found 1333 matches

by retiringwhen
Fri Oct 11, 2019 7:53 am
Forum: Personal Investments
Topic: 500 Index v Tax-Managed Cap Appreciation Funds
Replies: 8
Views: 830

Re: 500 Index v Tax-Managed Cap Appreciation Funds

I created a sheet for comparing Tax efficiency (in the style of the old one by triceratop). I added VTCLX to it for you. It looks only at tax consequence and give hints about growth considerations and does not address relative Expense Ratio impacts (I mostly look at low cost index funds, this is an ...
by retiringwhen
Thu Oct 10, 2019 2:52 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 12294
Views: 2099737

Re: U.S. stocks in free fall

Doom&Gloom wrote:
Thu Oct 10, 2019 2:09 pm
How far this thread has fallen!

We have progressed from commenting on actual stock market dips and plunges to commenting on the predictions of it falling. Sad.
Well if the market doesn't provide a bonafide down-draft leading to a free fall, then something has to create noise and fear!
by retiringwhen
Wed Oct 09, 2019 4:42 pm
Forum: Investing - Theory, News & General
Topic: What does the portfolio one day movement tells you ?
Replies: 11
Views: 916

Re: What does the portfolio one day movement tells you ?

I got sick of following organized sports that don't involve pointy objects a long time ago. Watching the stock market is my spectator sport these days. So one day movement tells me whether I am bored or excited... More seriously, I frankly think daily movement is all noise, but like a lot of noise w...
by retiringwhen
Tue Oct 08, 2019 8:11 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 12294
Views: 2099737

Re: U.S. stocks in free fall

I am taping this to refrigerator to end quarrels at the dinner table :-) You argue about stock prices at the dinner table?? :oops: Doesn't everybody? :confused :shock: Let's just say that when I was a kid the Encyclopedia Britannica regularly got splatter with spaghetti sauce during dinner "discuss...
by retiringwhen
Tue Oct 08, 2019 3:28 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 12294
Views: 2099737

Re: U.S. stocks in free fall

I think sticking strictly to the definitions that I've seen, we've had the following markets, going by the S&P500 Index: 6MAR2009 - 2MAY2011: Bull Market (From a low of 666.8 to a high of 1363.6) [104.5% gain] 3MAY2011 - 4OCT2011: Bear Market (From a high of 1363.6 to a low of 1074.8) [21.2% drop] ...
by retiringwhen
Tue Oct 08, 2019 1:40 pm
Forum: Investing - Theory, News & General
Topic: "Bogle on Mutual Funds" A Gem
Replies: 23
Views: 2718

Re: "Bogle on Mutual Funds" A Gem

Taylor, As a Vanguard IRA holder in 1993, I received an offer to buy that book when it first came out. It was the key guide to my investing along with a handful of lesser impactful books. It turned me into an unacknowledged Boglehead for 24 years, then I found bogleheads.org and learned that my outl...
by retiringwhen
Mon Oct 07, 2019 5:40 pm
Forum: Personal Investments
Topic: Nervous about TLH
Replies: 33
Views: 2217

Re: Nervous about TLH

you sound like you did your homework, your plan looks reasonable and you are doing for solid reasons, money saving reasons. I don't see a downside, except your nerves. I did 2 and half TLH round trips last year as the market went down in the 4th quarter. The first was nerve wracking but it got easie...
by retiringwhen
Sat Oct 05, 2019 7:25 pm
Forum: Personal Investments
Topic: Vanguard login help.
Replies: 18
Views: 1396

Re: Vanguard login help.

I finally got in. Vanguard had a hic cup I assume. When I tried to login the first time I got a web page not reachable. I tried a different browser and got password wrong, I changed it and it still didn't work. I tried a third browser changing the password again and it still didn't work; said wrong...
by retiringwhen
Sat Oct 05, 2019 7:00 pm
Forum: Personal Investments
Topic: Vanguard login help.
Replies: 18
Views: 1396

Re: Vanguard login help.

Is anyone else having a hard time logging into Vanguard? I changed my password twice and keep getting incorrect password. Vanguard isn't taking phone calls until Monday morning. My life savings is not accessible and I'm concerned. My wife just ran into that same issue this evening and we were tryin...
by retiringwhen
Sat Oct 05, 2019 4:47 pm
Forum: Investing - Theory, News & General
Topic: Larry Swedroe's "Rules of Prudent Investing"
Replies: 32
Views: 4243

Re: Larry Swedroe's "Rules of Prudent Investing"

Fortunes have been lost because of the refusal to pay taxes. I didn't get this one at all :confused Lets say: you are avoiding $1M of taxes to get out of an overly concentrated position in $5M+ of stock in a single company. This is very very dangerous. Let's say you didn't want to pay that tax on a...
by retiringwhen
Sat Oct 05, 2019 4:10 pm
Forum: Personal Finance (Not Investing)
Topic: Combined deductible and non-deductible TIRA contributions
Replies: 31
Views: 1037

Re: Combined deductible and non-deductible TIRA contributions

The reason to separate is that you know exactly which is which No big deal to have two separate Ira accounts or three if you have a roth Except as as soon as the next day the value of the non-deductible IRA is no longer the same as the contribution. Now you have to keep track of the basis of the no...
by retiringwhen
Fri Oct 04, 2019 7:30 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks continue to soar!
Replies: 1541
Views: 158825

Re: U.S. stocks continue to soar!

oldzey wrote:
Fri Oct 04, 2019 6:41 pm
And back to the topic, U.S. stocks did indeed soar today...

Image

Cheers!
:beer
So Marie Kondo would approve of hoarding VTSAX? :sharebeer
by retiringwhen
Fri Oct 04, 2019 10:06 am
Forum: Personal Investments
Topic: HSA in NJ -- is it worth it?
Replies: 17
Views: 1246

Re: HSA in NJ -- is it worth it?

We moved out of New Jersey just in time. The HSA dropped the treasury fund last month. It is never too soon to leave NJ (said sadly, by a 33 year resident...) As to the rounding, since we cash flow our HSA every year (medical condition that creates tremendous out of pocket expenses regardless of pl...
by retiringwhen
Thu Oct 03, 2019 10:05 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 12294
Views: 2099737

Re: U.S. stocks in free fall

My concern is that my entire lifetime might just be noise, maybe a whole lot of us are very lucky to have been born when we were. It is true in the large (centuries, continents) and in the small. I graduated in 1985 from a large land-grant University with a degree in Computer Science, my colleague ...
by retiringwhen
Thu Oct 03, 2019 9:23 am
Forum: Personal Consumer Issues
Topic: Recourse for "Stolen" Money
Replies: 93
Views: 7522

Re: Recourse for "Stolen" Money

I think what the most shocking thing to me about this whole situation, is that Western Union still exists, and that somebody used it. :oops: It still has legitimate uses and in some cases, it is about the only legal and safe way to transfer funds over long distances if the recipient does not have a...
by retiringwhen
Wed Oct 02, 2019 9:10 am
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 12294
Views: 2099737

Re: U.S. stocks in free fall

pokebowl wrote:
Wed Oct 02, 2019 9:06 am
Possible RBD shaping up early in the morning hours? :twisted:
It does look that way, but we've had several morning head-fakes in the last few months. It does seem to be a continuation of yesterday though.
by retiringwhen
Wed Oct 02, 2019 7:40 am
Forum: Personal Investments
Topic: Creating "your own Index ETF"
Replies: 14
Views: 837

Re: Creating "your own Index ETF"

In order to do what you propose (reconstruct the S&P500 in market proportion), you would have to commit enough money to be able to buy enough whole shares of each index constituent to mimic the constitution of the index, which would run into many thousands of dollars. Schwab offers an S&P500 index ...
by retiringwhen
Wed Oct 02, 2019 7:31 am
Forum: Personal Investments
Topic: Creating "your own Index ETF"
Replies: 14
Views: 837

Re: Creating "your own Index ETF"

M1 finance would be easier to use for this As Rick Ferri discusses in multiple recent BH Podcasts, the value proposition with M1 and others to roll your own indexing is front loaded with some initial tax avoidance, but there is the devil to pay to unwind these things. It seems like about once a qua...
by retiringwhen
Tue Oct 01, 2019 5:24 pm
Forum: US Chapters
Topic: Master Thread - Central NJ Bogleheads
Replies: 10
Views: 1427

Re: Master Thread - Central NJ Bogleheads

See the details for our October 2019 Meet Up below: Time: October 5th 10:30am EST - an hour meeting followed by a social lunch Speaker: Alan Details on the presentation: Alan will give us a short presentation on how to calculate tax-equivalent yields for NJ residents on Munis and Treasury money mar...
by retiringwhen
Tue Oct 01, 2019 4:18 pm
Forum: Personal Investments
Topic: S&P500 + Ext Mkt or Total Mkt (VTSAX)
Replies: 9
Views: 747

Re: S&P500 + Ext Mkt or Total Mkt (VTSAX)

Always an honor to get a post from you. Unfortunately, it’s QDI has been below 95% for 4 of the 6 last years. It was 94% last year. Not horrible, but the 6% non-QDI is starting to drag on taxes. Prior to 2013, it was always 100% QDI, at least in my investing lifetime. If it would only go back, this...
by retiringwhen
Tue Oct 01, 2019 1:46 pm
Forum: Personal Investments
Topic: S&P500 + Ext Mkt or Total Mkt (VTSAX)
Replies: 9
Views: 747

Re: S&P500 + Ext Mkt or Total Mkt (VTSAX)

Already buried in the stack! Bumping for help. splitting across taxable and tax-deferred accounts is doable at a small cost of complexity to maintain your desire allocations. I did something similar optimizing for dividends in tax-deferred and growth in taxable: I put 43% in VIGAX (Vanguard Growth ...
by retiringwhen
Tue Oct 01, 2019 12:10 pm
Forum: Investing - Theory, News & General
Topic: Wife's 401k, Principal to Principal?
Replies: 5
Views: 409

Re: Wife's 401k, Principal to Principal?

cbr shadow wrote:
Tue Oct 01, 2019 12:04 pm
I'll look into what the new 401k investment options are and will post them here!
I agree, look at the new plans fund choices. If you can buy low-cost index funds or target date funds, it may be a good idea to rollover. If not, you still have choices :-)
by retiringwhen
Tue Oct 01, 2019 11:56 am
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 12294
Views: 2099737

Re: U.S. stocks in free fall

hisdudeness wrote:
Tue Oct 01, 2019 11:48 am
I'm not a bit worried cause Motley Fool has just issued a rare Double Down Buy Alert.
Sarcasm.
Oh great, run for the hills. The only stupid money I have ever lost in the market was from listening to those yahoos.
by retiringwhen
Tue Oct 01, 2019 11:54 am
Forum: Investing - Theory, News & General
Topic: Wife's 401k, Principal to Principal?
Replies: 5
Views: 409

Re: Wife's 401k, Principal to Principal?

C) leave the old one at Principal and retain two accounts. If the funds are reasonable in the new account, I would roll over into the new 401(K) to reduce any IRA balances for future backdoor Roth IRA conversions. If the options stink, then rollover to a Vanguard Rollover IRA. Personally, I would no...
by retiringwhen
Fri Sep 27, 2019 3:58 pm
Forum: Investing - Theory, News & General
Topic: Bonds returns are on par with Stocks?
Replies: 98
Views: 5508

Re: Bonds returns are on par with Stocks?

They're probably right. But that's irrelevant to what tc101 or I said. We were referring to stocks as an asset class, not individual companies. If the S&P 500 went bankrupt, I probably wouldn't give you 10 cents on the dollar for any bond fund. I should have added this to my earlier response above ...
by retiringwhen
Fri Sep 27, 2019 3:23 pm
Forum: Investing - Theory, News & General
Topic: Bonds returns are on par with Stocks?
Replies: 98
Views: 5508

Re: Bonds returns are on par with Stocks?

The problem is that it is accepted as a truism that stocks will always outperform bonds in the "long run". That begs the question of how to define the long run and more to the point, assumes that based on a limited sample of several decades it will always be the case. When you own stocks you own co...
by retiringwhen
Fri Sep 27, 2019 3:20 pm
Forum: Investing - Theory, News & General
Topic: Bonds returns are on par with Stocks?
Replies: 98
Views: 5508

Re: Bonds returns are on par with Stocks?

While this certainly doesn't mean the data is inaccurate, it does mean that the data used to show the low risk of stocks for the long run was developed to serve the needs of the brokerage industry. That is an amazing story I never heard before, but fits into the Madison avenue view of the world in ...
by retiringwhen
Fri Sep 27, 2019 3:16 pm
Forum: Investing - Theory, News & General
Topic: Bonds returns are on par with Stocks?
Replies: 98
Views: 5508

Re: Bonds returns are on par with Stocks?

The problem is that it is accepted as a truism that stocks will always outperform bonds in the "long run". That begs the question of how to define the long run and more to the point, assumes that based on a limited sample of several decades it will always be the case. When you own stocks you own co...
by retiringwhen
Fri Sep 27, 2019 2:44 pm
Forum: Investing - Theory, News & General
Topic: Bonds returns are on par with Stocks?
Replies: 98
Views: 5508

Re: Bonds returns are on par with Stocks?

William J. Bernstein made a similar point in a less rigorous way in a 2002 essay entitled Only Two Centuries of Data . His point is we have "only two centuries" of data, the 1800s and the 1900s--and the returns of stocks and bonds were almost the same during the 1800s. Modern investors tend to focu...
by retiringwhen
Fri Sep 27, 2019 6:09 am
Forum: Personal Investments
Topic: Which brokerages can display Personal Portfolio Performance?
Replies: 26
Views: 1617

Re: Which brokerages can display Personal Portfolio Performance?

Since others have a Performance, I feel totally stiffed by Fidelity. I am in the same boat as you (the tabs when I log in look like yours). It can't be that it is a legacy account thing as we just opened a couple Roth IRAs this year along with a DAF. Maybe you need to have the account with a big ba...
by retiringwhen
Thu Sep 26, 2019 3:03 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 12294
Views: 2099737

Re: U.S. stocks in free fall

Is the music slowing down? When will the music stop? What if the music stops? IIRC you had better grab a chair before there are none left. What is this music you are hearing? where are the chairs. All see is: To-morrow, and to-morrow, and to-morrow, Creeps in this petty pace from day to day, To the...
by retiringwhen
Thu Sep 26, 2019 8:00 am
Forum: Personal Consumer Issues
Topic: Leaving NYC for retirement, Hudson Valley or PA. etc?
Replies: 21
Views: 2435

Re: Leaving NYC for retirement, Hudson Valley or PA. etc?

How often does he intend to visit the city? If it is just a few times a year, then perhaps his options are open to further locations like Florida or such. Also, if he targets the area where PA and NJ join together, I hope he likes motorcycles, because Harley Davidson clubs seem to have taken over t...
by retiringwhen
Wed Sep 25, 2019 1:04 pm
Forum: Personal Investments
Topic: Merrill Lynch Advisor wants to meet for coffee
Replies: 108
Views: 9099

Re: Merrill Lynch Advisor wants to meet for coffee

They've been calling me for about 3 mos. now. I ask to take me off their lists, but I keep ending up getting someone new calling. Always from a slightly different number. I just started blocking every number from that area code and exchange. It seems to be working :-) My theory is NEVER talk money t...
by retiringwhen
Wed Sep 25, 2019 9:45 am
Forum: Personal Consumer Issues
Topic: Buying a home with unpermitted addition
Replies: 59
Views: 5912

Re: Buying a home with unpermitted addition

I asked that the sellers take care of getting everything legitimized with the city but their Realtor is saying they are unwilling to do this and want to sell it as is. After all, they bought it as is. They want to sell quickly because they're buying another house and don't want to deal with it. App...
by retiringwhen
Wed Sep 25, 2019 9:07 am
Forum: Personal Investments
Topic: VTIAX v VFWAX
Replies: 4
Views: 379

Re: VTIAX v VFWAX

All things being equal go for VTIAX. But if you want to do a total international, you can still buy VFWAX plus VSS (or whatever the MF ticker is.) Those two together almost exactly match VTIAX. Some folks desire to tilt a bit to small caps so they will buy both and over represent VSS by what ever am...
by retiringwhen
Wed Sep 25, 2019 5:41 am
Forum: Personal Finance (Not Investing)
Topic: Vanguard alert [Unclaimed property notice]
Replies: 98
Views: 14873

Re: Vanguard alert [Unclaimed property notice]

Where is the threat? It’s a notification in order to prompt action and resolution. Do you feel that they actively want to give your property to the state and are hoping that you don’t notice so they can pull one over on you? Why did the postal service return the mail? First of all, they restricted ...
by retiringwhen
Tue Sep 24, 2019 9:11 pm
Forum: Personal Finance (Not Investing)
Topic: Vanguard alert [Unclaimed property notice]
Replies: 98
Views: 14873

Re: Vanguard alert [Unclaimed property notice]

Where is the threat? It’s a notification in order to prompt action and resolution. Do you feel that they actively want to give your property to the state and are hoping that you don’t notice so they can pull one over on you? Why did the postal service return the mail? First of all, they restricted ...
by retiringwhen
Mon Sep 23, 2019 8:25 pm
Forum: Investing - Theory, News & General
Topic: Interest Rate Risk: Two Views
Replies: 126
Views: 7792

Re: Interest Rate Risk: Two Views

Initially, I thought this might be practical, but perhaps not? This approach presents one major difficulty: determining the duration of the retirement liability. With each passing year, remaining life expectancy decreases, but not on a one-to-one basis. In practice, duration matching for a retired ...
by retiringwhen
Mon Sep 23, 2019 8:06 pm
Forum: Investing - Theory, News & General
Topic: Google sheets not pulling stock prices
Replies: 117
Views: 16349

Re: Google sheets not pulling stock prices

Thanks for the feedback! No, I lost interest in this as I moved onto other things, and what I have now has been working for me. GoogleFinance does a good job for ETFs (pretty timely updates), so I'm still using that in my spreadsheets for price. I haven't had a need yet to get attributes and other ...
by retiringwhen
Mon Sep 23, 2019 12:22 pm
Forum: Personal Consumer Issues
Topic: Physical activity suggestions for a non athletic youth
Replies: 189
Views: 8625

Re: Physical activity suggestions for a non athletic youth

We’ve looked at swimming but he can’t make it all the way across the pool which is a requirement for a swim team. Private lessons are super hard to come by and I have been on a waitlist for a year. Group lessons are 30 mins each with 4 kids so each kid gets 5-10 mins tops. Don't give up on swimming...
by retiringwhen
Mon Sep 23, 2019 11:58 am
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 12294
Views: 2099737

Re: U.S. stocks in free fall

The problem with one's portfolio growing is that your contributions now mean less and less and most of the movement is dictated by the market. This can have a feeling that you're now losing control and are at whims of the market IF one loses sight of the long term picture. This can be especially un...
by retiringwhen
Mon Sep 23, 2019 8:40 am
Forum: Personal Investments
Topic: Vanguard Tax Efficiency: Historical Distributions by Fund
Replies: 5
Views: 403

Re: Vanguard Tax Efficiency: Historical Distributions by Fund

DarkHelmetII wrote:
Mon Sep 23, 2019 8:34 am
I answered my own question (by calling Vanguard): https://advisors.vanguard.com/investmen ... tributions
Funny how the advisors site always has more detail than the personal site... I need to just default to searching there.
by retiringwhen
Mon Sep 23, 2019 8:07 am
Forum: Personal Investments
Topic: Vanguard Tax Efficiency: Historical Distributions by Fund
Replies: 5
Views: 403

Re: Vanguard Tax Efficiency: Historical Distributions by Fund

Hello, Where do I find historical distributions for a Vanguard fund (dividends, short-term capital gains, long-term capital gains) for several years back. Pretty sure I have seen / found this information before but can't seem to find it this time around. Thank you. go to vanguard.com, type in the f...
by retiringwhen
Sun Sep 22, 2019 5:29 pm
Forum: Investing - Theory, News & General
Topic: Google sheets not pulling stock prices
Replies: 117
Views: 16349

Re: Google sheets not pulling stock prices

Last night I discovered something very cool. With one small change to the URL used by this custom function, the same script will retrieve the same data and attributes for all 80 Vanguard ETFs! The only thing that's missing is share class, since the mutual fund script only checks for investor, admir...
by retiringwhen
Sun Sep 22, 2019 8:26 am
Forum: Investing - Theory, News & General
Topic: Interest Rate Risk: Two Views
Replies: 126
Views: 7792

Re: Interest Rate Risk: Two Views

Here is a spreadsheet that I created to estimate retirement liabilities and duration match using TIPS funds: https://docs.google.com/spreadsheets/d/101KQIQzMUx0Q3RPkxjEiptFqeCdpI0WvdNLg0oCBdUw/edit?usp=sharing If you want to use nominal Treasury funds (e.g., VLGSX), then you would just enter the du...
by retiringwhen
Sat Sep 21, 2019 3:33 pm
Forum: Investing - Theory, News & General
Topic: Interest Rate Risk: Two Views
Replies: 126
Views: 7792

Re: Interest Rate Risk: Two Views

My question is how do I define the target duration of this liability/virtual SPIA? Is there a formula / example somewhere? Here is a spreadsheet that I created to estimate retirement liabilities and duration match using TIPS funds: https://docs.google.com/spreadsheets/d/101KQIQzMUx0Q3RPkxjEiptFqeCd...
by retiringwhen
Sat Sep 21, 2019 3:31 pm
Forum: Personal Consumer Issues
Topic: Acura RDX vs Audi Q5
Replies: 93
Views: 8552

Re: Acura RDX vs Audi Q5

Could you elaborate a bit on what you didn't like about the technology package. Was it the infotainment system, the driver assist features or both? We have a deposit down on a new RDX and would be very interested to hear your thoughts. Infotainment primarily, overall usability of the navigation and...
by retiringwhen
Sat Sep 21, 2019 10:58 am
Forum: Investing - Theory, News & General
Topic: Interest Rate Risk: Two Views
Replies: 126
Views: 7792

Re: Interest Rate Risk: Two Views

The second way is just to use two bond funds, one long-term and one short- or intermediate-term, and rebalance just like you rebalance between stocks and bonds. For instance you could use two Vanguard funds like Vanguard Short-Term Inflation-Protected Securities Index Fund Admiral Shares (VTAPX) an...
by retiringwhen
Fri Sep 20, 2019 12:04 pm
Forum: Personal Consumer Issues
Topic: Acura RDX vs Audi Q5
Replies: 93
Views: 8552

Re: Acura RDX vs Audi Q5

The best thing about the touchscreen and CarPlay is it keeps my phone secured away in the center console. I never take it out when driving anymore. That's the real win here. CarPlay / Android Auto 2.0 are both major wins regardless of user interface controls. In fact, Android Auto was a major consi...
by retiringwhen
Fri Sep 20, 2019 11:38 am
Forum: Personal Consumer Issues
Topic: Acura RDX vs Audi Q5
Replies: 93
Views: 8552

Re: Acura RDX vs Audi Q5

Actually, the most normal locations for your hands on on the steering wheel not at the shifter (unless you have a manual). I'll stick with touchscreen simplicity. There's no leaning or scrunching involved in using my touchscreen. In fact, my wife is amazed at how quickly I can touch-through almost ...