Search found 785 matches

by 3funder
Mon Dec 17, 2018 3:23 pm
Forum: Investing - Help with Personal Investments
Topic: Silly to Contribute to Taxable Account This Late in the Year (so close to distribution date)?
Replies: 6
Views: 491

Re: Silly to Contribute to Taxable Account This Late in the Year (so close to distribution date)?

goingup wrote:
Mon Dec 17, 2018 3:22 pm
Buying $500 of Total International Stock fund (VTIAX) would be 19 shares. The expected year end dividend is .25. You'd be buying a $4.75 total dividend.
So basically it's not enough money to matter either way?
by 3funder
Mon Dec 17, 2018 3:13 pm
Forum: Investing - Help with Personal Investments
Topic: Silly to Contribute to Taxable Account This Late in the Year (so close to distribution date)?
Replies: 6
Views: 491

Re: Silly to Contribute to Taxable Account This Late in the Year (so close to distribution date)?

livesoft wrote:
Mon Dec 17, 2018 3:10 pm
Yes. You should be tax-loss harvesting your somewhat less than $15,000 instead.
I'm an average cost basis guy, but you answered my question anyway. Thanks.
by 3funder
Mon Dec 17, 2018 3:09 pm
Forum: Investing - Help with Personal Investments
Topic: Silly to Contribute to Taxable Account This Late in the Year (so close to distribution date)?
Replies: 6
Views: 491

Silly to Contribute to Taxable Account This Late in the Year (so close to distribution date)?

I feel like investing $500 in VTIAX; I've invested approximately $15,000 in the same fund since February. Does this supposedly tax-foolish move really matter in the long run?
by 3funder
Fri Dec 14, 2018 4:01 pm
Forum: Investing - Theory, News & General
Topic: Is there any market that is not inflated?
Replies: 58
Views: 3623

Re: Is there any market that is not inflated?

ReformedSpender wrote:
Wed Dec 12, 2018 8:10 am
International

:beer
+1
by 3funder
Wed Dec 12, 2018 4:36 pm
Forum: Investing - Help with Personal Investments
Topic: Corporate Bond Investing Strategy
Replies: 28
Views: 1426

Re: Corporate Bond Investing Strategy

I fear the best case scenario is that you're making investing much more complicated than it has to be. PM me if you'd like to discuss further.
by 3funder
Tue Dec 11, 2018 11:51 pm
Forum: Personal Finance (Not Investing)
Topic: What percentage of your net worth is your home equity?
Replies: 309
Views: 21724

Re: What percentage of your net worth is your home equity?

I don't even include home equity when I calculate my net worth. It's a place to live that sometimes winds up being, at best, an OK investment.
by 3funder
Tue Dec 11, 2018 11:48 pm
Forum: Investing - Help with Personal Investments
Topic: 58 y/o nearing retirement - looking at economic/stock market indicators
Replies: 36
Views: 5254

Re: 58 y/o nearing retirement - looking at economic/stock market indicators

You don't really "lose" money unless your time horizon is short. If you enjoy a 30-year retirement, it won't matter much if you lose some money next year. Your portfolio is conservative right now, so how much do you really think you're going to lose if the market crashes? Do you have an allocation ...
by 3funder
Mon Dec 10, 2018 1:58 pm
Forum: Investing - Theory, News & General
Topic: Who is buying SCV, EM, Intl SC
Replies: 41
Views: 2664

Re: Who is buying SCV, EM, Intl SC

International.
by 3funder
Mon Dec 10, 2018 11:55 am
Forum: Investing - Help with Personal Investments
Topic: Made an unwise investment, help solicited
Replies: 41
Views: 3516

Re: Made an unwise investment, help solicited

Aside from some tax issues that always happens with dividends and taxable gains, I don't see how buying Fidelity Puritan is a bad investment. It's a nice conservative fund, something that has turned out to be a good idea this year in fact. It could have been much worse. You have done just fine actu...
by 3funder
Sun Dec 09, 2018 9:40 am
Forum: Investing - Theory, News & General
Topic: International underperformance - how to break it down
Replies: 52
Views: 4074

Re: International underperformance - how to break it down

5. First and foremost. Pick any country, compare it with the U.S. and you'll see some stark differences in the environment, both corporate and national governance. 6. High unemployment, poor demographics, high taxes. I own international, but I really have a hard time seeing the spark that will get ...
by 3funder
Sun Dec 09, 2018 9:36 am
Forum: Investing - Theory, News & General
Topic: Do long-term bonds belong in one's portfolio?
Replies: 162
Views: 8289

Re: Do long-term bonds belong in one's portfolio?

Diversifying across different asset classes and sources of return makes sense. Having some long term bonds allows one to capture the term premium, and LT bonds do well in deflation. So, you own some long term, some intermediate and short duration, and of course, assets like equities that do well in...
by 3funder
Sat Dec 08, 2018 6:58 pm
Forum: Investing - Help with Personal Investments
Topic: 58 y/o nearing retirement - looking at economic/stock market indicators
Replies: 36
Views: 5254

Re: 58 y/o nearing retirement - looking at economic/stock market indicators

You don't really "lose" money unless your time horizon is short. If you enjoy a 30-year retirement, it won't matter much if you lose some money next year. Your portfolio is conservative right now, so how much do you really think you're going to lose if the market crashes? Do you have an allocation t...
by 3funder
Sat Dec 08, 2018 5:43 pm
Forum: Investing - Help with Personal Investments
Topic: Which fund for 2nd tier EF?
Replies: 6
Views: 502

Re: Which fund for 2nd tier EF?

I'd go with VBIRX.
by 3funder
Fri Dec 07, 2018 2:50 pm
Forum: Investing - Theory, News & General
Topic: Who else is getting excited? [about the market]
Replies: 145
Views: 12670

Re: Who else is getting excited? [about the market]

As a 34 year-old investor, I get really excited, as I get to purchase equity shares (especially international) at lower prices.
by 3funder
Wed Dec 05, 2018 4:17 pm
Forum: Investing - Help with Personal Investments
Topic: To add an international fund or not?
Replies: 21
Views: 1739

Re: To add an international fund or not?

With your investment horizon of 30+ years, I'd wager to say there are compelling reasons to be diversified. Will US equities continue to dominate? Maybe...but maybe not. International stocks have outperformed before and they'll outperform again (imo). Personally, I'd stick to the basics and use VTI...
by 3funder
Wed Dec 05, 2018 4:15 pm
Forum: Investing - Help with Personal Investments
Topic: In a Bear Market, What Are Some Best Practices
Replies: 53
Views: 6931

Re: In a Bear Market, What Are Some Best Practices

Either stay put, or buy a little more stock. Either strategy will work out fine in the long run.
by 3funder
Sun Dec 02, 2018 1:02 pm
Forum: Investing - Help with Personal Investments
Topic: Should I move to a more conservative AA? 80/20 to 60/40?
Replies: 67
Views: 4473

Re: Should I move to a more conservative AA? 80/20 to 60/40?

No. Don't do it. That is the simple answer. 80/20 isn't risky at your age and given you have good careers and have skills to find jobs, you should just soak away as much as you can and let compounding do the work. Ignore the market movements and 15 years later you will be happy you didn't go conser...
by 3funder
Fri Nov 30, 2018 9:25 pm
Forum: Investing - Help with Personal Investments
Topic: What would you do with $6,000 in gold and silver?
Replies: 40
Views: 3327

Re: What would you do with $6,000 in gold and silver?

I assume you bought physical gold and silver, correct (as opposed to investing in an ETF such as GLD)?
by 3funder
Sun Nov 25, 2018 4:23 pm
Forum: Investing - Theory, News & General
Topic: What is your allocation to U.S. and International?
Replies: 120
Views: 7276

Re: What is your allocation to U.S. and International?

Stocks : Bonds = 80 : 20

Domestic Stock : Int'l Stock = 45 : 55

Domestic Bond : Int'l Bond = 100 : 0
by 3funder
Sat Nov 24, 2018 4:01 pm
Forum: Investing - Theory, News & General
Topic: Do you need to invest mostly in stocks to get rich?
Replies: 178
Views: 17074

Re: Do you need to invest mostly in stocks to get rich?

Generally speaking, your savings rate matters more than having a high stock allocation; that said, it is possible to have a portfolio that is too conservative. As a rule of thumb, if you're not nearing retirement, you should have a higher exposure to stocks than bonds (that doesn't mean 100% stocks ...
by 3funder
Sat Nov 24, 2018 3:57 pm
Forum: Investing - Help with Personal Investments
Topic: Dealing with Reality
Replies: 20
Views: 3566

Re: Dealing with Reality

OK, let's just say someone has a large percentage of their money in a money market. And let's just say that person knows (and has known) this is a horrible, non tax advantaged, losing to inflation strategy. How does one enter in the 3 investment thing, taking into account putting it in all at once ...
by 3funder
Sat Nov 24, 2018 3:50 pm
Forum: Investing - Theory, News & General
Topic: A lot of us expected a US stock "pull back" is this it?
Replies: 58
Views: 7848

Re: A lot of us expected a US stock "pull back" is this it?

Ignore the noise, stay the course. It's a "buying opportunity." Stocks are "on sale." Invest you must. Time is your friend. Impulse is your enemy. Whatever mantra keeps you from panicking. Write down your plan and stick to it. Oh, come on...US stocks are merely less expensive than they were a few m...
by 3funder
Sat Nov 24, 2018 2:37 pm
Forum: Investing - Theory, News & General
Topic: A lot of us expected a US stock "pull back" is this it?
Replies: 58
Views: 7848

Re: A lot of us expected a US stock "pull back" is this it?

Ignore the noise, stay the course. It's a "buying opportunity." Stocks are "on sale." Invest you must. Time is your friend. Impulse is your enemy. Whatever mantra keeps you from panicking. Write down your plan and stick to it. Oh, come on...US stocks are merely less expensive than they were a few m...
by 3funder
Wed Nov 21, 2018 5:52 pm
Forum: Investing - Theory, News & General
Topic: Inflation
Replies: 27
Views: 2704

Re: Inflation

I'll oversimplify the heck out of this, so please forgive me in advance. Charlie Munger once said something about inflation worries being silly because if you don't want to purchase a lot of material possessions, who cares if the prices of said possessions increase over time? Way too simplistic, but...
by 3funder
Wed Nov 21, 2018 5:40 pm
Forum: Investing - Help with Personal Investments
Topic: technology index funds
Replies: 18
Views: 1526

Re: technology index funds

bei22000 wrote:
Wed Nov 21, 2018 12:53 pm
when we invest in the broad index funds, our portfolio actually has a big chunk of technology section already. SP500 sector weightings shows technology sector weighs 22.72% (as of last week).
Yup. OP -- I'd say you're way too exposed to tech.
by 3funder
Wed Nov 21, 2018 5:39 pm
Forum: Investing - Help with Personal Investments
Topic: In Grad school but work at a hotel which likely will be my career. Retirement?
Replies: 37
Views: 4493

Re: In Grad school but work at a hotel which likely will be my career. Retirement?

White Coat Investor wrote:
Thu Nov 15, 2018 1:07 pm
If you qualify for the 401(k) and are already maxing out a Roth IRA, then sure, why not? Choose the Roth option for now.

You probably don't qualify as a part-timer though.
+1
by 3funder
Wed Nov 21, 2018 12:10 pm
Forum: Investing - Help with Personal Investments
Topic: Should We Need to Adjust the Porfolio Mix?
Replies: 7
Views: 343

Re: Should We Need to Adjust the Porfolio Mix?

Me and my husband are planning to get retired in 12 yrs (2030). Currently, my husband’s 403 b portfolio ($520,000) mix is about 65% equity, 15% guaranteed, 9% real estate, rest is fix income. Outside his 403b, we have about $200,000 roth IRA and pre-tax savings with a similar equity/fix income rati...
by 3funder
Wed Nov 21, 2018 12:04 pm
Forum: Investing - Help with Personal Investments
Topic: Bear Check-Up
Replies: 15
Views: 2118

Re: Bear Check-Up

At age 31, your portfolio could be comprised of 100% emerging market stocks and it wouldn't matter. Your portfolio is positioned just fine for any kind of market conditions you might experience at this point in your investing life.
by 3funder
Wed Nov 21, 2018 8:43 am
Forum: Investing - Theory, News & General
Topic: What to do when you have Less than 100K ? say just 50k
Replies: 36
Views: 4045

Re: What to do when you have Less than 100K ? say just 50k

Slow and steady will win the race. Placing $50k on a single stock is no different than going to Vegas to shoot craps. A portfolio could be 100% equity but it will be diversified amongst many different companies, buying one stock with all your assets? Madness, sheer madness. +1 You are indicating th...
by 3funder
Wed Nov 21, 2018 8:38 am
Forum: Personal Finance (Not Investing)
Topic: 30k Where to invest today??
Replies: 5
Views: 1265

Re: 30k Where to invest today??

Thanks for answers. No consumer debt, emergency fund is fully funded. I was looking at vtsmx, seems like a good time to buy? I disagree; US stocks are still quite expensive, and, for most people, $30,000 isn't chump change. Also, 10-15 years isn't all that long of a time frame, especially when you'...
by 3funder
Wed Nov 21, 2018 8:32 am
Forum: Investing - Help with Personal Investments
Topic: Can someone explain what's going on [with the stock market]?
Replies: 96
Views: 13137

Re: Can someone explain what's going on [with the stock market]?

No one knows. There are millions of investors of different stripes buying and selling for various reasons.
by 3funder
Tue Nov 20, 2018 12:16 pm
Forum: Investing - Theory, News & General
Topic: How much international stock? A suggestion.
Replies: 754
Views: 99125

Re: How much international stock? A suggestion.

Here's my take:

VTIAX's expense ratio is 0.11%. Even though that's more expensive than VTSAX (0.04%), if I split my allocation 50/50, that's still a really cheap portfolio at 0.075%.

This is one of the reasons I prefer to own the entire market, to the degree that I can capture it.
by 3funder
Mon Nov 12, 2018 3:34 pm
Forum: Personal Finance (Not Investing)
Topic: Where to buy engagement ring?
Replies: 61
Views: 4842

Re: Where to buy engagement ring?

Prior to the existence of shops like Blue Nile, I would say Diamond District all the way over a local jeweler. These days, prices on Blue Nile and DD are comparable (you may even save with Blue Nile). I would recommend soliciting recommendations from friends rather than just wandering the Diamond D...
by 3funder
Mon Nov 12, 2018 2:32 pm
Forum: Investing - Help with Personal Investments
Topic: Rearrange 3 fund portfolio or leave accounts mirrored
Replies: 16
Views: 1477

Re: Rearrange 3 fund portfolio or leave accounts mirrored

In your Roth, international then US. In your taxable put the rest of your US. I think most will disagree. International is probably better in a taxable accounts to take it vantage of the foreign tax credit. Nope, even after the foreign tax credit, international is still way more tax-inefficient tha...
by 3funder
Wed Nov 07, 2018 4:08 pm
Forum: Investing - Theory, News & General
Topic: What's everyone currently in?
Replies: 93
Views: 8239

Re: What's everyone currently in?

Hi everyone I'm just curious with all the volatility in the market right now what's everyone currently invested in? I have my Roth IRA with VTI, BND, VXUS which is very basic I haven't touched it in years but with all this volatility I'm thinking I may want to. Total US Stock, Total Intl Stock, Tot...
by 3funder
Wed Nov 07, 2018 4:07 pm
Forum: Investing - Help with Personal Investments
Topic: Move savings to Prime Money Market Fund (VMMXX)
Replies: 55
Views: 7657

Re: Move savings to Prime Money Market Fund (VMMXX)

UpperNwGuy wrote:
Wed Nov 07, 2018 7:04 am
I moved all my savings from savings accounts to Vanguard's Prime Money Market Fund about three months ago, and I'm happy with the results.
+1
by 3funder
Tue Nov 06, 2018 5:47 pm
Forum: Investing - Theory, News & General
Topic: Brett Arends: Here's a simple way to beat a bear market
Replies: 38
Views: 5266

Re: Brett Arends: Here's a simple way to beat a bear market

JustinR wrote:
Sat Nov 03, 2018 4:38 am
Here's a crazy strategy. Sell everything at the peak and then lump sum back in at the bottom. Lump sum wins again.
Haha. Love it.
by 3funder
Tue Nov 06, 2018 9:56 am
Forum: Investing - Theory, News & General
Topic: How many eggs in one basket?
Replies: 24
Views: 2805

Re: How many eggs in one basket?

Honestly, I think you'll be fine no matter what you choose to do.
by 3funder
Mon Nov 05, 2018 4:06 pm
Forum: Investing - Help with Personal Investments
Topic: Bond alternative to balance portfolio?
Replies: 25
Views: 2264

Re: Bond alternative to balance portfolio?

vineviz wrote:
Mon Nov 05, 2018 2:58 pm
Gerbil wrote:
Mon Nov 05, 2018 2:46 pm
What alternatives are there to bonds to keep a balanced portfolio.

I'm not comfortable with bonds right now. What alternatives are there for the non-equity portion of my portfolio?
At the risk of being overly blunt, the best alternative is to get over your discomfort with bonds
+1
by 3funder
Mon Nov 05, 2018 4:04 pm
Forum: Personal Finance (Not Investing)
Topic: Are we in trouble?
Replies: 106
Views: 12909

Re: Are we in trouble?

greg24 wrote:
Mon Nov 05, 2018 3:29 pm
You have made some sub-optimal decisions.

But your 370k annual income and 900k savings means you are far from "in trouble".
+1
by 3funder
Mon Nov 05, 2018 11:58 am
Forum: Investing - Help with Personal Investments
Topic: Are Bond Funds Really a Good Investment Now?
Replies: 44
Views: 5092

Re: Are Bond Funds Really a Good Investment Now?

Yes I had Vanguard Inflation-Protected Securities (VIPSX/VAIPX) but my Vanguard advisor recommended against them. I wonder why. I know some pretty financially sophisticated folks who subscribe to most Boglehead principles and don't invest in TIPS. That's not really an answer to the question. I was ...
by 3funder
Sun Nov 04, 2018 1:27 pm
Forum: Investing - Theory, News & General
Topic: Diversification Regret
Replies: 114
Views: 13505

Re: Diversification Regret

"Tracking error" regret is a real risk (Larry Swedroe 2012) ... Unfortunately, my experiences as both an investor and advisor have taught me that diversification isn't truly a free lunch for most investors -- with it comes the very real risk known as "tracking error regret." Tracking error is defin...
by 3funder
Sun Nov 04, 2018 1:14 pm
Forum: Investing - Theory, News & General
Topic: Is Small Value Still A Winner?
Replies: 96
Views: 7060

Re: Is Small Value Still A Winner?

Over many decades, small value is probably still a winner. That said, anything can be a winner or a loser when one cherrypicks dates.
by 3funder
Sun Nov 04, 2018 1:10 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard Flagship Select
Replies: 12
Views: 3580

Re: Vanguard Flagship Select

The first step is to give half to me. :mrgreen:
by 3funder
Sun Nov 04, 2018 1:05 pm
Forum: Investing - Help with Personal Investments
Topic: Are Bond Funds Really a Good Investment Now?
Replies: 44
Views: 5092

Re: Are Bond Funds Really a Good Investment Now?

vineviz wrote:
Sat Nov 03, 2018 11:24 am
turboeclipse wrote:
Sat Nov 03, 2018 11:08 am
Yes I had Vanguard Inflation-Protected Securities (VIPSX/VAIPX) but my Vanguard advisor recommended against them.
I wonder why.
I know some pretty financially sophisticated folks who subscribe to most Boglehead principles and don't invest in TIPS.
by 3funder
Sun Nov 04, 2018 10:06 am
Forum: Investing - Theory, News & General
Topic: Corp. high-yield bonds better than international for diversification?
Replies: 16
Views: 1309

Re: Corp. high-yield bonds better than international for diversification?

I don't think it makes sense to use anything other than international stocks for the international stock portion of one's portfolio. If one wants to invest in high-yield corporate bonds, one should do so because one wants to invest in high-yield corporate bonds--not because one thinks they function ...
by 3funder
Sun Nov 04, 2018 10:02 am
Forum: Investing - Help with Personal Investments
Topic: Saving for something 20 years from now
Replies: 24
Views: 3254

Re: Saving for something 20 years from now

Welcome to the forum! You're right that a target date fund, or any balanced fund for that matter, is not the most tax efficient fund for a taxable account. There are ways to mitigate those taxes, but there is no free lunch. The options I see for you are: Acknowledge that it's not efficient but go w...
by 3funder
Sat Nov 03, 2018 12:09 pm
Forum: Investing - Help with Personal Investments
Topic: ROTH IRA - Bonds or Equities
Replies: 13
Views: 1254

Re: ROTH IRA - Bonds or Equities

My wife and I fill ours with equities.
by 3funder
Fri Nov 02, 2018 5:35 am
Forum: Investing - Help with Personal Investments
Topic: Panic set in... now what?
Replies: 63
Views: 11064

Re: Panic set in... now what?

I have roughly 1M (over 800K in cash right now) in retirement funds plus 600K in non-retirement cash. I believe I could go for 10 years without drawing from my retirement funds since my home is paid for. I'd go for 50/50 for 5 years, then 40/60 after that. I don't think anybody would fault you for ...