Search found 30 matches

by Sirjames
Sun Jul 22, 2018 5:34 am
Forum: Investing - Help with Personal Investments
Topic: How do you handle the urge to DO something?
Replies: 102
Views: 7449

Re: How do you handle the urge to DO something?

For anyone looking for justification to rebalance weekly, every 2 weeks, or monthly, read this: https://carlsoncap.com/wp-content/uploads/JFP_Opportunistic_Rebalancing.pdf By directing my monthly contributions to where I’m low, I haven’t needed to monthly rebalance yet. I suppose that will change in...
by Sirjames
Mon Jul 02, 2018 1:49 pm
Forum: Investing - Theory, News & General
Topic: Vanguard to offer non-Vanguard ETFs commission-free
Replies: 238
Views: 22379

Re: 1800 Commission-Free ETFs

Based on the announcement I saw it seems that we’ll need to wait until July to find out what ETFs are included. Unless anyone out there has seen a published list?

This definitely confirms that I will use Vanguard when I’m ready to start a taxable account.
by Sirjames
Wed May 09, 2018 6:02 pm
Forum: Investing - Help with Personal Investments
Topic: 100% equity folks- holding any cash/bonds now?
Replies: 50
Views: 5245

Re: 100% equity folks- holding any cash/bonds now?

Thank you all for the responses! Well, 6 mos older (age 31.5 if you will), and after more reading about "DIY" index ETF investing, I am no longer following the strategy that I listed in my original post. I anticipate holding strong at 100% equity for at least 10-15 more years. But I now feel that "h...
by Sirjames
Mon Apr 02, 2018 9:18 am
Forum: Investing - Help with Personal Investments
Topic: POLL: Breaking up with advisor
Replies: 54
Views: 7525

Re: POLL: Breaking up with advisor

Helping an 80s year old family member with his accounts... in a high cost Ameriprise situation. Does anyone know if it is possible to cancel/fire an Ameriprise advisor but otherwise maintain all funds as-is with Ameriprise? There is one IRA account and one taxable brokerage account. (Wondering if t...
by Sirjames
Mon Apr 02, 2018 9:08 am
Forum: Investing - Help with Personal Investments
Topic: Ameriprise advisor question
Replies: 12
Views: 1049

Re: Ameriprise advisor question

Numbers speak much louder than 1.25% this and 0.4% that. Do some looking at Vanguard funds similar to what's currently held, if you know the amounts in each fund. Do the math. Then present the results. A stark contrast will highlight the difference. Like..... Your current portfolio costs you $29,52...
by Sirjames
Mon Apr 02, 2018 8:08 am
Forum: Investing - Help with Personal Investments
Topic: Ameriprise advisor question
Replies: 12
Views: 1049

Re: Ameriprise advisor question

David Jay wrote:
Sun Apr 01, 2018 8:08 pm
I would be surprised if this were possible - the advisor and 1% AUM is an integral part of the Ameriprise model.
New day, any takers? What David Jay is suggesting is what I am worried about. Anyone out there have first-hand knowledge? Thanks again.
by Sirjames
Sun Apr 01, 2018 9:34 pm
Forum: Investing - Help with Personal Investments
Topic: Ameriprise advisor question
Replies: 12
Views: 1049

Re: Ameriprise advisor question

comment removed as the specific ETFs/funds and advisory fees added to first post ^^^
by Sirjames
Sun Apr 01, 2018 7:31 pm
Forum: Investing - Help with Personal Investments
Topic: Ameriprise advisor question
Replies: 12
Views: 1049

Ameriprise advisor question

Sorry to duplicate previous posts but hoping this is a simple question to answer if someone is familiar with Ameriprise.. Helping an 80s year old grandfather with his accounts... in a high cost Ameriprise situation. Does anyone know if it is possible to cancel/fire an Ameriprise advisor service but ...
by Sirjames
Sun Apr 01, 2018 6:06 pm
Forum: Investing - Help with Personal Investments
Topic: POLL: Breaking up with advisor
Replies: 54
Views: 7525

Re: POLL: Breaking up with advisor

Helping an 80s year old family member with his accounts... in a high cost Ameriprise situation. Does anyone know if it is possible to cancel/fire an Ameriprise advisor but otherwise maintain all funds as-is with Ameriprise? There is one IRA account and one taxable brokerage account. (Wondering if th...
by Sirjames
Sun Mar 25, 2018 1:53 pm
Forum: Investing - Theory, News & General
Topic: Rationale for a 30% ex-US equity allocation
Replies: 30
Views: 3718

Re: Rationale for a 30% ex-US equity allocation

Fascinating conversation that was all very helpful to me. Bumping for any others who may have helpful points to weigh in with? At 31 and rounding out my first year of “bogleheads” investing, I think I’ve settled on a long term allocation of equity at 65% US, 35% ex-US at 20% developed, 10% emerging,...
by Sirjames
Fri Mar 16, 2018 2:13 pm
Forum: Investing - Help with Personal Investments
Topic: Personal Capital Question
Replies: 1
Views: 363

Personal Capital Question

Was wondering what the difference is between the "You Index %" listed on the "Holdings" page and the "Portfolio Performance %" listed on the "Performance" page? Hopefully one of these takes into account the contributions made into these accounts? Is either reliable to use "as is" for for the 30-day,...
by Sirjames
Sun Mar 11, 2018 12:46 pm
Forum: Investing - Help with Personal Investments
Topic: Minimum % for a "tilt" to matter in portfolio
Replies: 14
Views: 1462

Re: Minimum % for a "tilt" to matter in portfolio

Or are you arguing that the "opportunity cost" of my invested dollars in VNQ for years (as opposed to a Total US holding) will not be overcome by the eventual rebound of VNQ? That it what I am arguing. VNQ is actually traded quite a lot by presumably day traders, so some of them are making some mon...
by Sirjames
Sat Mar 10, 2018 2:33 pm
Forum: Investing - Help with Personal Investments
Topic: Minimum % for a "tilt" to matter in portfolio
Replies: 14
Views: 1462

Re: Minimum % for a "tilt" to matter in portfolio

Or are you arguing that the "opportunity cost" of my invested dollars in VNQ for years (as opposed to a Total US holding) will not be overcome by the eventual rebound of VNQ? That it what I am arguing. VNQ is actually traded quite a lot by presumably day traders, so some of them are making some mon...
by Sirjames
Sat Mar 10, 2018 1:29 pm
Forum: Investing - Help with Personal Investments
Topic: Minimum % for a "tilt" to matter in portfolio
Replies: 14
Views: 1462

Re: Minimum % for a "tilt" to matter in portfolio

Since you brought up REITs and VNQ, let me write that I am on record here at bogleheads.org that I would not buy VNQ at the present time. I have owned VNQ in the past and will own it in the future. But I think there are better things to own right now than REIT funds. I will buy VNQ when it drops at...
by Sirjames
Sat Mar 10, 2018 12:54 pm
Forum: Investing - Help with Personal Investments
Topic: Minimum % for a "tilt" to matter in portfolio
Replies: 14
Views: 1462

Re: Minimum % for a "tilt" to matter in portfolio

One can also think of an extra 10% allocation to equities to be a tilt. For example, suppose you decided your asset allocation should be 50:50 stocks:bonds. Then you decide to tilt more to stocks, so you end up at 60:40. That extra 10% to stocks might do you some good, but think about this: For a 1...
by Sirjames
Fri Mar 09, 2018 12:11 pm
Forum: Investing - Help with Personal Investments
Topic: Minimum % for a "tilt" to matter in portfolio
Replies: 14
Views: 1462

Minimum % for a "tilt" to matter in portfolio

I've heard anything less than 5% is likely not worth it... but is 5% even enough? Only the future knows what the future brings... so hindsight in 30 years will be 20/20. I'm tilting about 5-8% "extra" over market caps toward domestic REIT (VNQ), international REIT (VNQI), small cap domestic (VBR and...
by Sirjames
Thu Mar 08, 2018 2:42 pm
Forum: Investing - Help with Personal Investments
Topic: Allocation review
Replies: 2
Views: 281

Re: Allocation review

^^^^^^^^more info for above Both of us are 31 years of age; we've agreed to maximize accumulation of shares, 100% equity until age 40-50 range 12-14 funds/ETFs for the above ETFs chosen for Roth IRAs (Vanguard ETFs at Vanguard Roth IRA, iShares ETFs at Fidelity Roth IRA) are commission-free Cumulati...
by Sirjames
Thu Mar 08, 2018 2:13 pm
Forum: Investing - Help with Personal Investments
Topic: Allocation review
Replies: 2
Views: 281

Allocation review

Hello all, I'm balancing several accounts (for my wife and me), treating as one overall portfolio. Involves her 401K TSP, my 403b, two Roth IRAs, and an HSA. Without getting into too much specifics, generally speaking, is this overall asset allocation reasonable if I can stick with it? Or are my rel...
by Sirjames
Wed Mar 07, 2018 2:33 pm
Forum: Investing - Help with Personal Investments
Topic: international small cap value fund
Replies: 32
Views: 6786

Re: international small cap value fund

Bumping this thread, as I’m having trouble choosing which etf for a 5% position in my portfolio. Will keep it in tax-advantaged space. Still ~30 years from retirement (Disclaimer: In general, I am a “buy and hold” believer, but I also have too much temptation to “look” and tinker”...so my solution i...
by Sirjames
Mon Feb 05, 2018 7:58 am
Forum: Investing - Help with Personal Investments
Topic: Why bother with separate and Growth and Value index funds?
Replies: 17
Views: 2598

Re: Why bother with separate and Growth and Value index funds?

It’s a bad idea because it increases transaction cost due to stocks moving between the two funds. If you have an IRA with VG, is there a transaction cost for moving between funds? I know some have a purchasing fee but I thought most were free from any trading fees? Vanguard brokerage/IRA owners can...
by Sirjames
Wed Dec 27, 2017 3:31 pm
Forum: Investing - Help with Personal Investments
Topic: Investing into more REIT than I intend to?
Replies: 1
Views: 326

Investing into more REIT than I intend to?

This is a question for long term/retirement investing and tilting to REIT- time to retirement >30 years. For those of you who invest in REIT, do you also pay attention to the %REIT that make up your other funds? For instance, I am investing approximately 5% overall each in VNQ and VNQI. My wife and ...
by Sirjames
Tue Dec 19, 2017 8:45 pm
Forum: Investing - Help with Personal Investments
Topic: 100% equity folks- holding any cash/bonds now?
Replies: 50
Views: 5245

Re: 100% equity folks- holding any cash/bonds now?

[/quote] If you're 31 and you are hypothetically stating what you think you will do when the market corrects 20%, you might be surprised. You will see every media outlet talking about how armageddon is right around the corner when we hit a 10% correction. [/quote] Well, no, I doubt that. I know I'm ...
by Sirjames
Tue Dec 19, 2017 8:39 pm
Forum: Investing - Help with Personal Investments
Topic: 100% equity folks- holding any cash/bonds now?
Replies: 50
Views: 5245

Re: 100% equity folks- holding any cash/bonds now?

FI meaning financial independence?
I don't plan to have FI for like 20 years
by Sirjames
Tue Dec 19, 2017 8:35 pm
Forum: Investing - Help with Personal Investments
Topic: 100% equity folks- holding any cash/bonds now?
Replies: 50
Views: 5245

100% equity folks- holding any cash/bonds now?

I know I know.. WE don't time the market.. But for the 100% equity folks out there, are you currently holding a portion of your portfolio in cash/bond/short term fixed income options, in order to "buy low" whenever there is a market correction? I previously decided that I'm comfortable as a 100% equ...
by Sirjames
Sun Nov 26, 2017 4:21 pm
Forum: Investing - Help with Personal Investments
Topic: Taxable 3 fund portfolio at Vanguard vs Fidelity
Replies: 12
Views: 1390

Re: Taxable 3 fund portfolio at Vanguard vs Fidelity

Regarding tax efficiency, ETFs are more tax-efficient than mutual funds because ETFs are created/destroyed by trading bundles of their components for shares. This structure allows ETFs to avoid capital gains. Vanguard's mutual funds and ETFs are actually different share classes of the same underlyi...
by Sirjames
Sun Nov 26, 2017 3:37 pm
Forum: Investing - Help with Personal Investments
Topic: Taxable 3 fund portfolio at Vanguard vs Fidelity
Replies: 12
Views: 1390

Re: Taxable 3 fund portfolio at Vanguard vs Fidelity

Thank you for the replies thus far- Would someone mind explaining how vanguard index funds are more tax-efficient than the equivalent fidelity or iShares index funds? Tax efficiency and intra-fund diversification are likely the two deciding factors here, for someone who doesn't care much about the o...
by Sirjames
Sun Nov 26, 2017 2:02 pm
Forum: Investing - Help with Personal Investments
Topic: Taxable 3 fund portfolio at Vanguard vs Fidelity
Replies: 12
Views: 1390

Taxable 3 fund portfolio at Vanguard vs Fidelity

Realize this is a mostly pro-Vanguard forum.. but looking for others' thoughts about the decision to hold a taxable 3 fund portfolio (total domestic, total international, and municipal bond funds) at Vanguard vs at Fidelity? The goal of my portfolio will be long-term investing for retirement (20-30 ...
by Sirjames
Sun Nov 26, 2017 1:36 pm
Forum: Investing - Help with Personal Investments
Topic: How much of my account is Roth vs Traditional 401K
Replies: 2
Views: 358

How much of my account is Roth vs Traditional 401K

This is probably a silly question.. but when I view my/spouse's retirement accounts, I do not know how much we've contributed as Roth vs traditional pretax. Her 401K is with the TSP and she's contributed some in previous years as traditional pretax, but for last year or two has contributed to her pl...
by Sirjames
Sat Nov 25, 2017 12:25 pm
Forum: Investing - Help with Personal Investments
Topic: Newbie Seeks Taxable Investment Account Help
Replies: 36
Views: 2695

Re: Newbie Seeks Taxable Investment Account Help

Hey all, Choosing an online broker for my taxable account. Likely will do a basic 2-4 fund portfolio with index funds. Currently have my Roth IRA with vanguard, spousal Roths IRA with fidelity, her 401k with tsp, and my 403b with fidelity although I will be leaving that job in 2018. Slicing and dici...
by Sirjames
Tue Sep 12, 2017 2:09 pm
Forum: Investing - Theory, News & General
Topic: Perhaps you shouldn't rebalance your international stock allocation
Replies: 21
Views: 5121

Re: Perhaps you shouldn't rebalance your international stock allocation

Maybe I'm way off here and I'm early in my investing life.. but if you don't rebalance after a reasonable period of time... let's say every 12 mos to allow some portfolio drift when certain areas are doing well... are you not forgetting a basic premise of "buy low, sell high"? I would think that ove...