Search found 56 matches

by wstalcup
Wed Nov 01, 2017 12:48 pm
Forum: Personal Consumer Issues
Topic: Portugal Trip, any suggestions?
Replies: 38
Views: 2077

Re: Portugal Trip, any suggestions?

another vote for Sintra.. I was just there this year and it was amazing! Also we rented an automatic car from Sixt. It was inexpensive and had tolls included. We can drive stick cars but being on vacation, having driving an automatic car was just one less thing to worry about. basic T-Mobile plan we...
by wstalcup
Wed Nov 01, 2017 11:19 am
Forum: Investing - Theory, News & General
Topic: the One investment to rule them all?
Replies: 25
Views: 3285

Re: the One investment to rule them all?

so this is like an annuity? and the 4% payout keeps up with inflation? Not like an annuity, cause you can withdrawal your money at any time, but your payment will fluctuate every year based upon the portfolio's performance. With an annuity, your payment is typically guaranteed, and you're also typi...
by wstalcup
Wed Nov 01, 2017 11:08 am
Forum: Investing - Theory, News & General
Topic: the One investment to rule them all?
Replies: 25
Views: 3285

Re: the One investment to rule them all?

You say you are going to live off it the rest of your life, so apparently you want to begin drawing $50,000 a year from it right now. That makes it difficult. I'm not at all sure I'd be happy with any 100%-stocks purchase. Since this is just spitballing, one obvious suggestion would be to go to the...
by wstalcup
Wed Nov 01, 2017 10:32 am
Forum: Investing - Theory, News & General
Topic: the One investment to rule them all?
Replies: 25
Views: 3285

Re: the One investment to rule them all?

Hi, lets say you are 21 years old, house paid off, yearly expenditures are 50k. you can only invest in 1 mutual fund, etf or other investment vehicle to live off for the rest of your life.. what would it be and what is the absolute minimum dollar amount you would have to put in it for it to work? T...
by wstalcup
Wed Nov 01, 2017 10:21 am
Forum: Investing - Theory, News & General
Topic: the One investment to rule them all?
Replies: 25
Views: 3285

the One investment to rule them all?

Hi, lets say you are 21 years old, house paid off, yearly expenditures are 50k. you can only invest in 1 mutual fund, etf or other investment vehicle to live off for the rest of your life.. what would it be and what is the absolute minimum dollar amount you would have to put in it for it to work? Th...
by wstalcup
Wed Nov 01, 2017 10:00 am
Forum: Investing - Help with Personal Investments
Topic: My 401k is almost all cash now. 1/2 Mil
Replies: 89
Views: 8840

Re: My 401k is almost all cash now. 1/2 Mil

inflation is your enemy. sure the market could crash but it might not, or just level out for a while. I really think you need to put some of that money into vanguard retirement 2035 mutual fund
by wstalcup
Fri Oct 13, 2017 11:09 am
Forum: Investing - Help with Personal Investments
Topic: pay taxes from long term gains on a taxable account
Replies: 18
Views: 1402

Re: pay taxes from long term gains on a taxable account

1040-ES is very easy to use. It can be done online , only a couple pages with minimal info. The other option is to increase withholding on your W4. Don't forget state taxes if that's an issue for you too. ok! wow! I walked through the steps.. and does look easy! thanks! since I only made this money...
by wstalcup
Fri Oct 13, 2017 9:58 am
Forum: Investing - Help with Personal Investments
Topic: pay taxes from long term gains on a taxable account
Replies: 18
Views: 1402

Re: pay taxes from long term gains on a taxable account

It is too late to make an estimate for the 3rd quarter, but if you will make up any underpayments in the 4th quarter- due on Jan 15- I doubt any penalty will be very much. As others have said you may already be exempted under the rules. hi, I am really hoping to be exempted under the rules.. there'...
by wstalcup
Thu Oct 12, 2017 1:26 pm
Forum: Investing - Help with Personal Investments
Topic: pay taxes from long term gains on a taxable account
Replies: 18
Views: 1402

Re: pay taxes from long term gains on a taxable account

Hi, I am about to sell off some assets that have a long term gain of ~$46,000 (no short term gains) on a taxable account. For my situation, it looks like they will be taxed at 15% so I estimate I will owe the Infernal Revenue Service about $7,000. I'm not retired and working full time and so far ta...
by wstalcup
Thu Oct 12, 2017 1:02 pm
Forum: Investing - Help with Personal Investments
Topic: 401k Reallocation
Replies: 3
Views: 219

Re: 401k Reallocation

2 votes for
Vanguard Institutional 500 Index Trust
Vanguard FTSE All-World ex-US Index Fund Institutional Plus Shares
Vanguard Institutional Total Bond Market Index Trust

with similar percentages.. sounds good enough for me!
Thank you!
by wstalcup
Thu Oct 12, 2017 12:41 pm
Forum: Investing - Help with Personal Investments
Topic: pay taxes from long term gains on a taxable account
Replies: 18
Views: 1402

pay taxes from long term gains on a taxable account

Hi, I am about to sell off some assets that have a long term gain of ~$46,000 (no short term gains) on a taxable account. For my situation, it looks like they will be taxed at 15% so I estimate I will owe the Infernal Revenue Service about $7,000. I'm not retired and working full time and so far tax...
by wstalcup
Thu Oct 12, 2017 11:46 am
Forum: Investing - Help with Personal Investments
Topic: 401k Reallocation
Replies: 3
Views: 219

401k Reallocation

Hi, currently my 401k has been 100% allocated to "Vanguard Institutional 500 Index Trust" what would be your advice to reallocate to: My available choices are listed below, 20 years to retirement, and lets just assume I have no other investment assets. Thanking in advance! Vanguard Federal Money Mar...
by wstalcup
Wed Oct 11, 2017 1:51 pm
Forum: Investing - Theory, News & General
Topic: Vanguard bond ETF/funds
Replies: 21
Views: 1278

Re: Vanguard bond ETF/funds

I live in Florida, and I guess not really looking to need the money until about 20 years from now. marginal rate for income is around 18%. Money would be in rollover IRAs and also taxable accounts. Currently all my investments are in Stocks and stock ETFs, so looking to move some to bonds since rid...
by wstalcup
Wed Oct 11, 2017 10:01 am
Forum: Investing - Theory, News & General
Topic: Vanguard bond ETF/funds
Replies: 21
Views: 1278

Re: Vanguard bond ETF/funds

If you could buy only 1 Vanguard bond ETF or Mutual Fund, which would it be? Also since Mutual Fund trade only once per day, how do you know what that price will be.. I mean you may not like it until its too late? Also could the price run up a lot of enough people are buying that one day? Would the...
by wstalcup
Wed Oct 11, 2017 9:57 am
Forum: Investing - Theory, News & General
Topic: Vanguard bond ETF/funds
Replies: 21
Views: 1278

Re: Vanguard bond ETF/funds

correct me if I'm wrong but it looks like a $10k investment in VSIGX (reinvesting dividends) over the last 10 years would give you $11,684.43 now, so sounds like a loss when factoring inflation. VSIGX is still considered a good investment to many here because: 1) in the longer term it has performed ...
by wstalcup
Wed Oct 11, 2017 9:17 am
Forum: Investing - Theory, News & General
Topic: Vanguard bond ETF/funds
Replies: 21
Views: 1278

Re: Vanguard bond ETF/funds

With every ETF I've ever owned, reinvesting of dividends is as simple as checking of box. How are Mutual funds easier than this? Also, how aren't ETFs as liquid as Mutual funds.. and technically ETFs are better for tax purposes than Mutual funds.. but someone mentioned only with Vanguard this doesn'...
by wstalcup
Wed Oct 11, 2017 7:58 am
Forum: Investing - Theory, News & General
Topic: Vanguard bond ETF/funds
Replies: 21
Views: 1278

Vanguard bond ETF/funds

If you could buy only 1 Vanguard bond ETF or Mutual Fund, which would it be? Also since Mutual Fund trade only once per day, how do you know what that price will be.. I mean you may not like it until its too late? Also could the price run up a lot of enough people are buying that one day? Would the ...
by wstalcup
Tue Oct 10, 2017 11:03 am
Forum: Investing - Theory, News & General
Topic: reliable investment calculator with dividends reinvested
Replies: 7
Views: 646

reliable investment calculator with dividends reinvested

Anyone know of an reliable investment calculator with dividends reinvested online please? One that would work on stocks, etf and mutual funds. for example, This one won't do etfs https://dqydj.com/stock-return-calculator-dividend-reinvestment-drip/ Or one that shows the past performance of an invest...
by wstalcup
Tue Oct 10, 2017 9:16 am
Forum: Investing - Help with Personal Investments
Topic: what to do/where to allocate
Replies: 1
Views: 169

what to do/where to allocate

Hi, Please look over my situation and advise what you can! Thank you so much! I am 45 years old but I will probably retire within 1-5 years, where my wife will start working again making an average salary (60k a year) We have a lot in taxable accounts and non-taxable accounts, enough for us to possi...
by wstalcup
Mon Oct 09, 2017 1:55 pm
Forum: Investing - Theory, News & General
Topic: bond "generalizations"
Replies: 4
Views: 466

bond "generalizations"

Hi, I'm learning more and more about bonds and I would like someone to double-check my "generalizations" to see if I'm getting it or not! Thanks! 1) When interest rates go up... typically all new issued bonds go up in respect to coupon rate 2) When interest rates go up... all existing Bond ETFs/mutu...
by wstalcup
Mon Oct 09, 2017 10:43 am
Forum: Investing - Theory, News & General
Topic: what to research on possible "too good to be true" ETF
Replies: 10
Views: 641

Re: what to research on possible "too good to be true" ETF

thanks!, great info! so let's see if I understand this correctly.. So, as long as investors, think more than 50% of the time, that the market will not be too volatile in the short term then this ETF will continue to increase? Whether or not the market IS actually very volatile or not..as long as mos...
by wstalcup
Mon Oct 09, 2017 9:47 am
Forum: Investing - Theory, News & General
Topic: what to research on possible "too good to be true" ETF
Replies: 10
Views: 641

Re: what to research on possible "too good to be true" ETF

yep, read the info. I just don't truly understand the mechanics of volatility index and then shorting in the short term. Its only been around for a little over a year and has a total of ~200% return including a 34% dividend payout. It was the top performing ETF at the time (and I believe still is) A...
by wstalcup
Mon Oct 09, 2017 9:25 am
Forum: Investing - Theory, News & General
Topic: what to research on possible "too good to be true" ETF
Replies: 10
Views: 641

what to research on possible "too good to be true" ETF

Hi, I invested a little bit of money (amount I could afford to lose ) on VMIN because it had a very high return history. I've held it only for 1 month and sure enough, so far, the unrealized gain has been amazing! (~30%) BUT it is very un-Boglehead to say the least. 1) Net assets: less than 20 milli...
by wstalcup
Tue Sep 26, 2017 9:34 am
Forum: Investing - Theory, News & General
Topic: Any "average Joe" here actually make out well with individual stocks?
Replies: 108
Views: 12954

Re: Any "average Joe" here actually make out well with individual stocks?

bondsr4me wrote:
Sun Sep 24, 2017 12:14 pm
jrtexas wrote:
Wed Sep 20, 2017 9:55 pm
Up over 10%. AAPL,T,JNJ,PG,PM. I dont invest if they don't pay a dividend.

+1 on the dividends requirement.
Hi,
So why in your case, must a stock pay dividends?
by wstalcup
Mon Sep 25, 2017 10:53 am
Forum: Investing - Theory, News & General
Topic: fat-finger trades
Replies: 12
Views: 1356

Re: fat-finger trades

ok thanks everyone!
by wstalcup
Mon Sep 25, 2017 10:19 am
Forum: Investing - Theory, News & General
Topic: fat-finger trades
Replies: 12
Views: 1356

Re: fat-finger trades

well, In the case of the painting, the scenario was that the buyer knew it was 1 million dollar painting, grabbed it up and immediately sold it for what was CURRENTLY worth. if 2, 3 or more years later, the painting was worth 2 million.. no big deal, just how investing goes.. same with stocks. I wou...
by wstalcup
Mon Sep 25, 2017 9:00 am
Forum: Investing - Theory, News & General
Topic: fat-finger trades
Replies: 12
Views: 1356

fat-finger trades

I've been reading up on some of the worst fat finger trades in history.. millions or billions of dollars lost due to just an accidental error of typing in the wrong price or hitting the wrong button. My question is can these trades be reversed? Obviously, someone wouldn't mean to sell 1,000 shares o...
by wstalcup
Mon Sep 25, 2017 8:46 am
Forum: Investing - Theory, News & General
Topic: Any "average Joe" here actually make out well with individual stocks?
Replies: 108
Views: 12954

Re: Any "average Joe" here actually make out well with individual stocks?

Here is an example of how much money can be made. I owned a fairly large position in DuPont (DD) when they spun off Chemours (CC). DD is a DJIA component and CC trades on the NYSE. After the spin-off, the Chemours stock price dropped like a rock to a low of around $5 per share. I was pretty familia...
by wstalcup
Mon Sep 25, 2017 8:40 am
Forum: Investing - Theory, News & General
Topic: Any "average Joe" here actually make out well with individual stocks?
Replies: 108
Views: 12954

Re: Any "average Joe" here actually make out well with individual stocks?

I have the same problem with a few stocks. Too late, I realized that the way to do this is to buy ETFs in the taxable accounts and put the "hot" individual stocks in the IRA. This really goes against the Boglehead advice, but it lets you trade without tax consequences. So investments that I want to...
by wstalcup
Fri Sep 22, 2017 11:10 am
Forum: Investing - Help with Personal Investments
Topic: where to put $60,000 for three months...
Replies: 14
Views: 1350

Re: where to put $60,000 for three months...

Another vote for using Ally. there are great! Their savings account offers 1.20% interest, no fees, no minimums. I keep money there in between trades because schwab and vanguard can't compete with that rate. free and simple to transfer money back and forth between ally and vanguard/schwab! ally.com
by wstalcup
Fri Sep 22, 2017 8:39 am
Forum: Investing - Theory, News & General
Topic: Which is better a Cryptocurrency or Gold?
Replies: 99
Views: 6470

Re: Which is better a Cryptocurrency or Gold?

another vote for neither. but if dead set on it, it couldn't hurt (too much) if you dedicated a "small" percentage of your portfolio to both. for gold: only physical ownership of 1 oz American Gold Eagles, or possibly 90% silver American coinage (junk coins) for cryptos: Bitcoin only, not any of the...
by wstalcup
Fri Sep 22, 2017 7:14 am
Forum: Investing - Theory, News & General
Topic: Any "average Joe" here actually make out well with individual stocks?
Replies: 108
Views: 12954

Re: Any "average Joe" here actually make out well with individual stocks?

I have run two Schwab accounts for the last three years - one for myself that is purely dedicated to swing trading and one for my young son which has a diversified portfolio of individual stocks. On the swing trading account, I look for established companies with low risk of bankruptcy where the st...
by wstalcup
Thu Sep 21, 2017 11:29 am
Forum: Investing - Theory, News & General
Topic: buying, Fill or Kill, point spread question
Replies: 2
Views: 292

Re: buying, Fill or Kill, point spread question

You probably would have been able to buy at 63.22. Why didn't you divide your order into 2 orders and try it both ways? But I will say the number of shares in your order will have an effect on what price you get. well I was looking to buy only 100 shares and apparently on "Fill or Kill" orders, the...
by wstalcup
Thu Sep 21, 2017 11:07 am
Forum: Investing - Theory, News & General
Topic: What inflation rate do you use for your planning?
Replies: 105
Views: 8981

Re: What inflation rate do you use for your planning?

I just google "current inflation rate" and use that. Right now its say 1.9%
by wstalcup
Thu Sep 21, 2017 11:04 am
Forum: Investing - Theory, News & General
Topic: buying, Fill or Kill, point spread question
Replies: 2
Views: 292

buying, Fill or Kill, point spread question

hello, When buying, I've tried "Fill or KILL" as opposed to "Market" and noticed something.. Current BID was 63.21 and ASK was 63.29 1First, I put out a Buy-Limit-Fill or Kill order at 63.21 and it just cancelled..no harm done. Next, refreshed the quotes, all numbers were still the same so.. I put o...
by wstalcup
Wed Sep 20, 2017 2:22 pm
Forum: Investing - Theory, News & General
Topic: measurement of success of investment(s)
Replies: 52
Views: 4358

Re: measurement of success of investment(s)

You are right. Kitces is talking about the same issue you are. That's why he introduces the Present Value measurement, to give you a sense if you are 'on target' (or how much above or below target you may be.) It confirms my other analysis... I'm ok, but slightly below being on track for my stretch...
by wstalcup
Wed Sep 20, 2017 8:24 am
Forum: Investing - Theory, News & General
Topic: differences between stock exchanges
Replies: 5
Views: 765

Re: differences between stock exchanges

awesome insight! thanks everyone!
by wstalcup
Wed Sep 20, 2017 8:21 am
Forum: Investing - Theory, News & General
Topic: Any "average Joe" here actually make out well with individual stocks?
Replies: 108
Views: 12954

Re: Any "average Joe" here actually make out well with individual stocks?

ok, thanks everyone. all great stories! sounds like half do well with individual stocks and half don't! Originally, I thought going with individual stocks were best for me, but once they tanked, that is when I became well aware of the predicament of what to do next... buy more? hold? sell? An indivi...
by wstalcup
Tue Sep 19, 2017 2:18 pm
Forum: Investing - Theory, News & General
Topic: measurement of success of investment(s)
Replies: 52
Views: 4358

Re: measurement of success of investment(s)

ok, well this has been fun! :P So whatever the US Market Portofolio is.. S&P500, Russell 3000, CRSP.. for my purposes it doesn't matter too much because for short term; 1 yr, or YTD they are all pretty close and no need to split hairs.. Official Index Tickers: CRSPTM1 Total US Stock Market index RUA...
by wstalcup
Tue Sep 19, 2017 1:29 pm
Forum: Investing - Theory, News & General
Topic: measurement of success of investment(s)
Replies: 52
Views: 4358

Re: measurement of success of investment(s)

The market portfolio is the 500 best stocks in the country based on large cap performance. A particular fund has an index which is unique to that fund. Like a dividend fund based on a dividend index perhaps, it's benchmark. That's all. [/quote] So if I wanted to compare my portfolio performance to t...
by wstalcup
Tue Sep 19, 2017 1:07 pm
Forum: Investing - Theory, News & General
Topic: measurement of success of investment(s)
Replies: 52
Views: 4358

Re: measurement of success of investment(s)

yes, the vanguard retirement fund would most likely underperform S&P500 since its not benchmarked to it. In my case, I feel I would rather go more aggressive than it, since I have ~20 years to retirement and I "believe" bonds are still paying next to nothing.. I guess that could change if feds incre...
by wstalcup
Tue Sep 19, 2017 12:23 pm
Forum: Investing - Theory, News & General
Topic: measurement of success of investment(s)
Replies: 52
Views: 4358

Re: measurement of success of investment(s)

yes, I guess I will just stick with the S&P500 has the measurement to beat.. its just been so easy to outperform with VGT, VO, VBK.. I was just wondering if S&P500 was still considered the "average". Vanguard Target Retirement fund seems to really underperform but may switch to it nearing retirement!
by wstalcup
Tue Sep 19, 2017 12:06 pm
Forum: Investing - Theory, News & General
Topic: Any "average Joe" here actually make out well with individual stocks?
Replies: 108
Views: 12954

Re: Any "average Joe" here actually make out well with individual stocks?

doh! sorry to hear! :( I jumped out of a window after 1 of my trades (luckily I live in a 1 story house) anyway, I think it was a good learning experience for me. Discovered that I'm not a mastermind, better off just staying within the pack, slow and steady wins the race!
by wstalcup
Tue Sep 19, 2017 11:56 am
Forum: Investing - Theory, News & General
Topic: best practices when buying a large amount of stock
Replies: 10
Views: 1392

Re: best practices when buying a large amount of stock

how would I not pay a commission? most of what I trade is vanguard ETFs so yah, I use Vanguard and don't pay commissions but for individual stocks I use Schwab which is only 5 bucks but I haven't seen a way around not paying that!
by wstalcup
Tue Sep 19, 2017 11:44 am
Forum: Investing - Theory, News & General
Topic: Any "average Joe" here actually make out well with individual stocks?
Replies: 108
Views: 12954

Any "average Joe" here actually make out well with individual stocks?

HI, not looking for strategies as that for the most part I have given up on individual stocks.. just wondering if anyone here besides a "Warren Buffet" person can claim it work out for them? Here's my experience A while ago, I attempted to use heavy research, logic, etc for picking stocks : Looked a...
by wstalcup
Tue Sep 19, 2017 10:44 am
Forum: Investing - Theory, News & General
Topic: best practices when buying a large amount of stock
Replies: 10
Views: 1392

Re: best practices when buying a large amount of stock

ok, so a good target amount to buy at 1 time is around 20k for individual stocks, but for a large cap even up to 100k would be safe. how about buying a large amount of a low volume ETF? For the most part, ETFs seems safe, when you buy them, they in turn just buy more of the stocks they are holding.....
by wstalcup
Tue Sep 19, 2017 8:45 am
Forum: Investing - Theory, News & General
Topic: best practices when buying a large amount of stock
Replies: 10
Views: 1392

Re: best practices when buying a large amount of stock

no stock in particular, just trying to understand the mechanics of what happens when placing large orders for stocks. Actually I was going to have follow-up questions about large orders of ETFs and mutual funds, but didn't want to confuse the subject for right now!
by wstalcup
Tue Sep 19, 2017 8:25 am
Forum: Investing - Theory, News & General
Topic: best practices when buying a large amount of stock
Replies: 10
Views: 1392

best practices when buying a large amount of stock

Good morning! Let's say you wanted to buy $100,000 dollars worth of a particular stock at one time. Assuming a buy and hold scenario (not attempting day trading). Stock has a rather erratic trading volume history meaning a 100k "market" order could fill at current price...or you could drive up the p...