Search found 28 matches

by kotsp
Fri Oct 26, 2018 3:08 pm
Forum: Personal Investments
Topic: Tax Loss Harvest OR Buy More?
Replies: 19
Views: 1692

Re: Tax Loss Harvest OR Buy More?

If you bought within the the last 31 days (including today), then you would need to also sell those shares or else you would have a wash sale. Not a big deal, but something to keep in mind. And most likely those shares are at a loss right now anyway. So, are you saying when we are doing TLH, to avo...
by kotsp
Fri Oct 26, 2018 3:02 pm
Forum: Investing - Theory, News & General
Topic: Vanguard website "unavailable during weekend of Nov 3"
Replies: 203
Views: 20795

Re: Vanguard website "unavailable during weekend of Nov 3"

White Coat Investor wrote: Fri Oct 26, 2018 2:34 pm Seems like it is already down. Trying to TLH and can't even get an order in today.
Yes, I cannot even buy a MF. The order page is broke.
by kotsp
Fri Oct 26, 2018 9:02 am
Forum: Personal Investments
Topic: Tax Loss Harvest OR Buy More?
Replies: 19
Views: 1692

Re: Tax Loss Harvest OR Buy More?

I would TLH and buy something similar but not the same. Alternatively, TLH and wait for 31 days and buy the same position. This is good assuming that position is downward trend.
by kotsp
Fri Oct 26, 2018 8:59 am
Forum: Personal Investments
Topic: TLH recent lots < 30 days after purchase
Replies: 14
Views: 893

Re: TLH recent lots < 30 days after purchase

Bogleheads, I apologize for asking a question that I'm sure has been answered numerous times. However I have not been able find the relevant threads. The question is: If I have bought several lots of a fund and want to sell the last two or three, which have losses, can I do so without triggering a ...
by kotsp
Wed Oct 10, 2018 2:30 pm
Forum: Investing - Theory, News & General
Topic: 5 ways target-date funds let investors down
Replies: 38
Views: 3906

Re: 5 ways target-date funds let investors down

I'm not sure there is anything to discuss. Much of it is self-evident. My two thoughts are 1) that the author puts way too much faith in the effect of small caps and 2) it weird to say in one breath that target date funds treat every the same regardless of age and in the next say that different all...
by kotsp
Wed Oct 10, 2018 2:23 pm
Forum: Investing - Theory, News & General
Topic: 5 ways target-date funds let investors down
Replies: 38
Views: 3906

Re: 5 ways target-date funds let investors down

2 & 3. The great advantage of target date funds is that they are simple. However, target date funds use generic target dates to set allocations. Different people of the same age have different risk tolerances and goals. Ergo, the correct answer is that each person should create their own custom...
by kotsp
Wed Oct 10, 2018 1:47 pm
Forum: Investing - Theory, News & General
Topic: 5 ways target-date funds let investors down
Replies: 38
Views: 3906

5 ways target-date funds let investors down

Very interesting read https://www.marketwatch.com/story/5-way ... 2018-10-10

Let me hear what members think about this perspective.
by kotsp
Thu Sep 06, 2018 8:38 am
Forum: Personal Investments
Topic: Psychology of saving for college vs retirement
Replies: 66
Views: 4699

Re: Psychology of saving for college vs retirement

I choose option#2 in my case. It is more due to cultural dimension.
by kotsp
Wed Aug 15, 2018 1:53 pm
Forum: Personal Consumer Issues
Topic: Is the price of a new car a good proxy for the expense of owning it?
Replies: 38
Views: 2750

Re: Is the price of a new car a good proxy for the expense of owning it?

MSRP is set by manufacturers, but the actual cash price is effectively set by the market (where buyer and seller come together to clear the inventory). That's why looking at the average transaction value, as Edmunds does, rather than MSRP is important. What Edmunds does based on transaction value, ...
by kotsp
Fri Aug 10, 2018 9:57 am
Forum: Investing - Theory, News & General
Topic: Fund Supermarket?
Replies: 2
Views: 326

Fund Supermarket?

Happen to read an article about 'Fund Supermarket' with three Vanguard funds.

https://finance.yahoo.com/news/3-vangua ... 04483.html

What do members think about this portfolio?
by kotsp
Mon Jun 18, 2018 8:56 am
Forum: Investing - Theory, News & General
Topic: Is individual Bonds better than Bond Fund?
Replies: 58
Views: 6848

Is individual Bonds better than Bond Fund?

I was watching Suze Orman's show on PBS. She mentioned she do not like bond funds, but opt for individual bonds. Her rationale was that bonds have maturity dates while bond funds do not have. Her concern was in the periods of raising interest rates, why would anyone go on bond funds hevy near retire...
by kotsp
Wed Jun 06, 2018 1:20 pm
Forum: Personal Investments
Topic: Vanguard LifeStrategy Moderate: Keep, move, or go 3 fund?
Replies: 20
Views: 3040

Re: Vanguard LifeStrategy Moderate: Keep, move, or go 3 fund?

While the LifeStrategy funds are great options, but they will cost you more in taxes than you need to pay. Over the long-term that will diminish the money you will have available to spend on yourself and your family. You should probably go 3-fund, but don't put Total Bond Index fund in your taxable...
by kotsp
Wed Mar 28, 2018 9:24 am
Forum: Investing - Theory, News & General
Topic: China and EM [Emerging Market]
Replies: 30
Views: 4515

China and EM [Emerging Market]

Happened to read this old news http://www.cityam.com/267359/chinas-inclusion-msci-emerging-market-index-impact EM is already dominated with China. With this inclusion of A-Shares of mainland, China's share in the index will raise up to 45%. I am thinking to uninvest from assets in my Portfolio which...
by kotsp
Thu Mar 22, 2018 3:03 pm
Forum: Personal Finance (Not Investing)
Topic: Much gratitude!
Replies: 5
Views: 651

Re: Much gratitude!

Congratulations!!!

Next, focus on achieving the total Financial Independence!!!
by kotsp
Thu Mar 15, 2018 5:34 am
Forum: Personal Investments
Topic: 200K sitting in brokerage account
Replies: 20
Views: 3916

Re: 200K sitting in brokerage account

mega317 wrote: Wed Mar 14, 2018 9:36 pm
ThisJustIn wrote: Wed Mar 14, 2018 9:33 pm If long term, all at once. If short term, dollar-cost average.
What's the rationale for this?
Time in the market is better than timing the market for long term goal.
by kotsp
Wed Mar 14, 2018 2:49 pm
Forum: Personal Investments
Topic: 529 help please
Replies: 14
Views: 1927

Re: 529 help please

2) I could use some asset allocation guidance. For this investment (vs our retirement) we are more conservative as we have quite a lot in there and while we need some growth we would be unhappy with a sharp decline (for context our retirement is 75/25). Thank you! Vanguard has age based options and...
by kotsp
Thu Mar 01, 2018 7:27 am
Forum: Investing - Theory, News & General
Topic: Boglehead contradiction, constant asset allocation is market timing
Replies: 100
Views: 10870

Re: Boglehead contradiction, constant asset allocation is market timing

But, I can think rationally. It's pretty clear that stocks are cheaper this year than last year, and that bonds are more expensive this year than last year. This argument (expensive vs. cheap) holds ONLY if you are buying with new money. In the example I've shown: The stock investment is 20% cheape...
by kotsp
Thu Mar 01, 2018 5:16 am
Forum: Investing - Theory, News & General
Topic: Boglehead contradiction, constant asset allocation is market timing
Replies: 100
Views: 10870

Re: Boglehead contradiction, constant asset allocation is market timing

Agree. It's the predictive component of market timing that sets it quite apart from rebalancing. The former is predicting what the market will do and the latter is reacting to what the market has done or, in some cases, merely acknowledging what it always does (goes up and down). So while I may be ...
by kotsp
Thu Mar 01, 2018 5:04 am
Forum: Investing - Theory, News & General
Topic: Boglehead contradiction, constant asset allocation is market timing
Replies: 100
Views: 10870

Re: Boglehead contradiction, constant asset allocation is market timing

But, I can think rationally. It's pretty clear that stocks are cheaper this year than last year, and that bonds are more expensive this year than last year. This argument (expensive vs. cheap) holds ONLY if you are buying with new money. My argument is that, when I already know that bonds are doing...
by kotsp
Thu Feb 22, 2018 10:24 am
Forum: Personal Investments
Topic: Make sense to setup 529 for high school junior?
Replies: 19
Views: 2040

Re: Make sense to setup 529 for high school junior?

https://en.wikipedia.org/wiki/Foreign_earned_income_exclusion OP, Do you pay any tax at all? If you don't, why do you care about tax-free growth? KlangFool Above wikipedia article is talking about exclusion of foreign earned income. If you have non-earned income from US sources (such as capital gai...
by kotsp
Wed Feb 21, 2018 5:05 pm
Forum: Personal Investments
Topic: Make sense to setup 529 for high school junior?
Replies: 19
Views: 2040

Re: Make sense to setup 529 for high school junior?

hello everyone, thanks for all the detailed replies. Even though I have another kid who will be ready for college in 7 years, I think I could still put some of the funds in a low-risk fund option. Or follow some of the great suggestions by StealthRabbit for investing during college and pay off (or ...
by kotsp
Wed Feb 21, 2018 4:53 pm
Forum: Personal Investments
Topic: Make sense to setup 529 for high school junior?
Replies: 19
Views: 2040

Re: Make sense to setup 529 for high school junior?

Will your child become a resident of the state where they go to college? If so, and if they were going to work (and earn income) during college, you may explore the benefit of them opening a 529 in their own name. You could gift the money to them, which they would contribute to the 529 (and receive...
by kotsp
Wed Feb 14, 2018 10:35 am
Forum: Personal Investments
Topic: Question on Morningstar Risk & Rating
Replies: 1
Views: 316

Question on Morningstar Risk & Rating

In Morningstar's under 'Ratings & Risk" page, why does it compares the risk of an asset against an benchmark index not appropriate to the asset? For example, while assessing EDV's risk it compares against 'Bloomberg Barclays US Aggregate Bond TR USD". This is not correct, because as pe...
by kotsp
Mon Feb 05, 2018 7:48 pm
Forum: Investing - Theory, News & General
Topic: Vanguard site is crashed now?
Replies: 188
Views: 21104

Re: Vanguard site is crashed now?

People plan on buying in this dip, please read this https://www.marketwatch.com/story/morga ... yptr=yahoo
by kotsp
Tue Jan 23, 2018 11:48 am
Forum: Investing - Theory, News & General
Topic: Improving the Dalio/Robbins All-Seasons Portfolio
Replies: 323
Views: 77184

Re: Improving the Dalio/Robbins All-Seasons Portfolio

If you want to search for other asset classes to help with the project, you'd want to focus more on finding uncorrelated asset classes. It wouldn't take any deep thinking to realize, for instance, that EM bonds will be less correlated with US stocks, than EM stocks are. Not exactly. With substituti...
by kotsp
Tue Jan 23, 2018 8:58 am
Forum: Investing - Theory, News & General
Topic: Improving the Dalio/Robbins All-Seasons Portfolio
Replies: 323
Views: 77184

Re: Improving the Dalio/Robbins All-Seasons Portfolio

I agree with you that getting emerging market exposure through stocks rather than bonds/local currency is a cheaper/more efficient way doing it. Throwing out commodities and replacing with gold makes it simpler and the backtest (at portfoliovisualizer.com) looks even better: only a 3% max drawdown ...
by kotsp
Mon Jan 22, 2018 9:05 pm
Forum: Investing - Theory, News & General
Topic: Improving the Dalio/Robbins All-Seasons Portfolio
Replies: 323
Views: 77184

Re: Improving the Dalio/Robbins All-Seasons Portfolio

I am quite armature at AA. I was playing around with Azanon's portfolio at visualizer. Made some tweak as follows; Total US Stock Market 25.00% Emerging Markets 10.00% 10-year Treasury 20.00% Long Term Treasury 30.00% Gold 7.50% Commodities 7.50% Back testing result "appears to be" very pr...
by kotsp
Mon Jan 22, 2018 12:30 pm
Forum: Investing - Theory, News & General
Topic: Expected earning in next 10 years
Replies: 12
Views: 1542

Expected earning in next 10 years

I heard on CNBC that CEO of Vanguard Tim Buckley saying investors can expect around 6% returns next 10 years or so, in a balanced portfolio of 60/40 type.

Any comments on his insight?