Search found 397 matches

by ChinchillaWhiplash
Sat Jun 23, 2018 6:45 pm
Forum: Personal Consumer Issues
Topic: Cheap simple tablets?
Replies: 12
Views: 666

Cheap simple tablets?

Looking for a simple tablet that will allow web browsing, Facebook app, and is wi-fi ready. For an older person who is tech illiterate and doesn't even own a cell phone. Looking for something under $150. Has to be super easy for anyone to use.
by ChinchillaWhiplash
Fri Jun 22, 2018 9:57 am
Forum: Investing - Help with Personal Investments
Topic: Precious metals ETF in taxable account
Replies: 1
Views: 148

Precious metals ETF in taxable account

Any issues with holding a gold or silver ETF in a taxable account? They pay no dividends. Anything I'm missing that would cause tax drag?
by ChinchillaWhiplash
Sun Jun 17, 2018 6:45 pm
Forum: Investing - Theory, News & General
Topic: How much tilt is enough to make a difference?
Replies: 27
Views: 1831

Re: How much tilt is enough to make a difference?

How reliable is this backtest? Portfolio 1 is my slice and dice AA. 2 has no value splices. 3 is a straight US TSM and TB at 70/30. I used the 10 year period between 1999-2009 to capture the stock market crash. Based on this, the slice and dice is pretty darn good looking :greedy Not able to get pa...
by ChinchillaWhiplash
Sun Jun 17, 2018 6:19 pm
Forum: Investing - Theory, News & General
Topic: How much tilt is enough to make a difference?
Replies: 27
Views: 1831

Re: How much tilt is enough to make a difference?

Even after back testing for the full time available Jan 1999 - May 2018, the slice and dice did quite a bit better than 100% US TSM. Is this a long enough period to get a good guage off of this portfolio AA? Or are there some other factors at play with the PV data or unusual events of some kind? I'm...
by ChinchillaWhiplash
Sun Jun 17, 2018 5:33 pm
Forum: Investing - Theory, News & General
Topic: How much tilt is enough to make a difference?
Replies: 27
Views: 1831

Re: How much tilt is enough to make a difference?

How reliable is this backtest? Portfolio 1 is my slice and dice AA. 2 has no value splices. 3 is a straight US TSM and TB at 70/30. I used the 10 year period between 1999-2009 to capture the stock market crash. Based on this, the slice and dice is pretty darn good looking :greedy Not able to get pas...
by ChinchillaWhiplash
Sun Jun 17, 2018 3:22 pm
Forum: Investing - Help with Personal Investments
Topic: Can we afford to drop our 401k contributions to pay for college?
Replies: 17
Views: 1998

Re: Can we afford to drop our 401k contributions to pay for college?

401k loan could be a good option. Keep making 401k contributions to get tax deferred. Take out loan up to $50k that you pay back to yourself with interest. Usually a small fee to take loan out. You could probably fund 529 or just use to pay for education expenses. Loan has to be paid back in 5 years...
by ChinchillaWhiplash
Sun Jun 17, 2018 8:37 am
Forum: Investing - Theory, News & General
Topic: How much tilt is enough to make a difference?
Replies: 27
Views: 1831

Re: How much tilt is enough to make a difference?

Thanks for all the input :beer After running a bunch of scenarios on PV, looks like it would not be worth having a tilt lower than 10% of total portfolio. The more you add the more things smooth out. This was over an 18 year period. Wish there was a way to backtest that far back with international v...
by ChinchillaWhiplash
Sat Jun 16, 2018 3:22 pm
Forum: Investing - Help with Personal Investments
Topic: How to prioritize paying down loans vs. savings
Replies: 9
Views: 1107

Re: How to prioritize paying down loans vs. savings

Need more info to help. Please list loan amounts and interest rates. Any debt like car payments, etc. Tax rate etc. Hard to give you answers without this info. You probably should pay up to 401k employer match if you have that at a minimum. Anything else depends on your debt/expenses vs income comin...
by ChinchillaWhiplash
Sat Jun 16, 2018 9:57 am
Forum: Personal Consumer Issues
Topic: Houston Safety
Replies: 13
Views: 1228

Re: Houston Safety

Colorado is horribly cold in the winter, which comes every year for some reason. The air is very thin. I’ve lived here since 1999 and the coldness and thinness of the air has only gotten worse. In short, don’t move here. Move to California instead. Much warmer and much thicker air (so thick you can...
by ChinchillaWhiplash
Sat Jun 16, 2018 9:13 am
Forum: Investing - Theory, News & General
Topic: How much tilt is enough to make a difference?
Replies: 27
Views: 1831

Re: How much tilt is enough to make a difference?

vineviz wrote:
Sat Jun 16, 2018 8:47 am
What are the other holdings, besides SWTSX?
15% total international, 10% EM, 8% REIT index fund, 25% total bond/fixed, 2% individual equities(fun).
by ChinchillaWhiplash
Sat Jun 16, 2018 9:04 am
Forum: Investing - Help with Personal Investments
Topic: Help with my allocations
Replies: 16
Views: 1405

Re: Help with my alocations

You still have a mess of funds. Some with high ER. What is your goal? You have a ton of overlapping funds. Way to complicated to figure out what your current AA is. For example, your wife's 403 with 2 different target date funds. What do you wish to do? Simplify? 1st you need to state how much you w...
by ChinchillaWhiplash
Sat Jun 16, 2018 8:38 am
Forum: Investing - Theory, News & General
Topic: How much tilt is enough to make a difference?
Replies: 27
Views: 1831

How much tilt is enough to make a difference?

For a value tilt in US equities, what would be considered a good range percentage wise to make a difference? Consider that your core holding is SWTSX (Schwab total US stock index fund) and this makes up 40% of your total portfolio. If you wanted to value tilt this portion of your holdings, what % of...
by ChinchillaWhiplash
Fri Jun 15, 2018 7:43 pm
Forum: Personal Finance (Not Investing)
Topic: Savings rate to achieve retirement goals?
Replies: 10
Views: 1102

Re: Savings rate to achieve retirement goals?

The SS numbers are a conservative guesstimate, but should be close if claiming at 62. Trying to catch up at 48.5 to where I think we should be. Had a lot of debt in the past and finally can start saving heavily after paying it off recently. Trying to figure out exactly what will be needed. I'm hopin...
by ChinchillaWhiplash
Fri Jun 15, 2018 7:25 pm
Forum: Investing - Help with Personal Investments
Topic: Where to use dividend appreciation fund?
Replies: 2
Views: 275

Re: Where to use dividend appreciation fund?

Don't know if there would be a need for it. A little bit better dividend than VTI TSM with less appreciation of the NAV and higher ER. Might have a little value tilt though. I don't see much benefit otherwise.
by ChinchillaWhiplash
Fri Jun 15, 2018 3:24 pm
Forum: Personal Finance (Not Investing)
Topic: Savings rate to achieve retirement goals?
Replies: 10
Views: 1102

Savings rate to achieve retirement goals?

Currently have a little over $400k in retirement 401k, HSA, & tIRA, all tax deferred. Would like retirement or partial retirement within 12-15 years. Expected SS around $28-30k year. Guessing will need roughly $80-100k year to maintain current lifestyle. So at a 4% drawdown rate will need around $2....
by ChinchillaWhiplash
Fri Jun 15, 2018 10:28 am
Forum: Investing - Help with Personal Investments
Topic: Individual stocks in a traditional IRA
Replies: 5
Views: 370

Re: Individual stocks in a traditional IRA

Yes, sell them while you are way in the green. No tax implications whatsoever in tIRA. Any one of those individual stocks could tank at any time. GE is an example of what can happen. Take the profit and run.
by ChinchillaWhiplash
Fri Jun 15, 2018 10:00 am
Forum: Investing - Help with Personal Investments
Topic: Opinions on SFSNX vs. SCHA. Schwab small cap funds
Replies: 1
Views: 132

Opinions on SFSNX vs. SCHA. Schwab small cap funds

Does one look better than another? SFSNX Schwab Fundamental US Small Company Index Fund. ER = 0.25%. Holdings 889. Turnover rate = 27% SCHA Schwab US Small Cap ETF ER = 0.05%. Holdings 1729. Turnover rate = 11%. I didn't include the Schwab standard small cap MF since it is weighted to SC growth. Cur...
by ChinchillaWhiplash
Thu Jun 14, 2018 2:26 pm
Forum: Investing - Help with Personal Investments
Topic: Sell T & buy VZ to realize a $10,000 loss?
Replies: 14
Views: 980

Re: Sell T & buy VZ to realize a $10,000 loss?

You could buy IXP, which is a telecom sector ETF. ER is a little high at .48, but you can hold a bunch of telecom instead of 1 which would give you the most exposure to this sector.
by ChinchillaWhiplash
Thu Jun 14, 2018 8:58 am
Forum: Investing - Theory, News & General
Topic: New JUST ETF - thoughts?
Replies: 12
Views: 655

Re: New JUST ETF - thoughts?

On a similar train of thought, are there any funds that only hold companies that make/manufacture their products in the US?
by ChinchillaWhiplash
Wed Jun 13, 2018 5:23 pm
Forum: Investing - Theory, News & General
Topic: Share buy back programs- the new dividend?
Replies: 6
Views: 568

Re: Share buy back programs- the new dividend?

I'm thinking of this in the context of the total stock market, which obviously is what index funds hold. Very high corporate debt, large increase in leveraging to do buyback, large amount of new corporate bonds to raise capital, high P/E valuations. Would be nice to know how much of this is in the s...
by ChinchillaWhiplash
Wed Jun 13, 2018 4:49 pm
Forum: Investing - Theory, News & General
Topic: Share buy back programs- the new dividend?
Replies: 6
Views: 568

Share buy back programs- the new dividend?

So since stocks are at all time lows for dividend yields, looks like share buybacks have taken its place. How do you factor in this with stock valuations? Is capital being used in this manner to artificially inflate the price of a lot of stocks or is it considered an investment back into the company...
by ChinchillaWhiplash
Wed Jun 13, 2018 12:05 pm
Forum: Investing - Theory, News & General
Topic: Bottom hit for bond market?
Replies: 7
Views: 1651

Bottom hit for bond market?

I've noticed that even when treasury yields are rising, total bond funds such as BND etf have stable or rising prices too. This was not the case prior to about 2 weeks ago. Are people starting to move more $s into bonds or something? Should we see more upswing in bond index funds soon? Just curious....
by ChinchillaWhiplash
Fri Jun 08, 2018 11:31 pm
Forum: Investing - Theory, News & General
Topic: REIT Index funds and high P/E ratios. Better to cherry pick than hold the index?
Replies: 8
Views: 744

REIT Index funds and high P/E ratios. Better to cherry pick than hold the index?

Would it possibly be better to not own all the stocks in an index in the case of REITs? For the US Index used by Schwab's ETF SCHH the P/E ratio is in the 30s with book value over 3. Seems like there must be a lot of holdings that could be highly overvalued. Might it be better to hold several indivi...
by ChinchillaWhiplash
Fri Jun 08, 2018 12:07 pm
Forum: Investing - Theory, News & General
Topic: Anyone else cheap like me and have to put new $s into the asset class that's down the most?
Replies: 23
Views: 2626

Anyone else cheap like me and have to put new $s into the asset class that's down the most?

I put money into 401k monthly and always put it into whichever asset class is down the most that day in price or whichever is up the least. I feel like I always want to get the best deal. Have most in no fee ETFs. Any left over goes into the total bond index MF. So far things seem to balance out wit...
by ChinchillaWhiplash
Wed Jun 06, 2018 6:47 pm
Forum: Investing - Theory, News & General
Topic: Just added bonds to portfolio
Replies: 44
Views: 2942

Re: Just added bonds to portfolio

I wouldn't worry too much about moving to 15% bonds. When, not if, interest rates go down, bond fund will go back up. You still have an aggressive growth portfolio. Target date funds for 2040-2045 have about the same amount of bonds.
by ChinchillaWhiplash
Wed Jun 06, 2018 5:04 pm
Forum: Personal Finance (Not Investing)
Topic: Should I pay off my HELOC, Refinance or Invest
Replies: 18
Views: 1371

Re: Should I pay off my HELOC, Refinance or Invest

I second paying off the heloc. I'm assuming it is not a fixed rate. Also, when is the maturity date? Plus you would be lucky if your investments beat the 7% rate.
by ChinchillaWhiplash
Wed Jun 06, 2018 9:03 am
Forum: Investing - Help with Personal Investments
Topic: Another 2 fund group
Replies: 7
Views: 365

Re: Another 2 fund group

Past performance does not predict future performance. You would be less diversified with the 2 fund, but it would probably still do fine. No one knows which would do better. I feel like the wider diversity is spreading the risk making it a bit safer overall. You would save some on the ER with the 2 ...
by ChinchillaWhiplash
Wed Jun 06, 2018 8:59 am
Forum: Investing - Help with Personal Investments
Topic: 40k Portfolio considering major rebalancing
Replies: 7
Views: 667

Re: 40k Portfolio considering major rebalancing

The bond funds in a taxable account are the least tax efficient place to hold them. Also, definitely follow the advice of the post above. Put the funds with the least amount of tax drag in your taxable account, but consider it part of your total AA through all investment vehicles.
by ChinchillaWhiplash
Wed Jun 06, 2018 7:52 am
Forum: Investing - Help with Personal Investments
Topic: Brokered CD maturity question
Replies: 0
Views: 154

Brokered CD maturity question

When do the funds usually post for a CD that hits maturity? I have one in a Schwab account that expires today. Was wondering if the funds will post today or after market close?
by ChinchillaWhiplash
Tue Jun 05, 2018 9:49 am
Forum: Investing - Help with Personal Investments
Topic: Help picking funds
Replies: 8
Views: 614

Re: Help picking funds

Those ERs are pretty high. I would move the solo 401k to get better choices. You would be much better off with Vanguard TDF as far as ER goes. As far as the Roth, you need to combine all your assets from each account to equal the allocation you want. If you use the TDF might be harder to balance eve...
by ChinchillaWhiplash
Tue Jun 05, 2018 8:57 am
Forum: Investing - Help with Personal Investments
Topic: SCHX vx SCHB
Replies: 13
Views: 769

Re: SCHX vx SCHB

758 vs 2297 holdings. More mid and small cap coverage with SCHB. You basically get more diversified coverage with SCHB. Past 10 years, SCHB also would = more $s. Not much more but more.
by ChinchillaWhiplash
Tue Jun 05, 2018 8:16 am
Forum: Investing - Help with Personal Investments
Topic: Roth IRA vs Taxable account if you get sued?
Replies: 3
Views: 624

Roth IRA vs Taxable account if you get sued?

Does one of these offer more protection from the other in the event you get sued? The Roth would be for backdoor contributions in the name of the person most likely to be sued, while the taxable account is joint tenure also in spouses name. Just looking out for future. Being sued would be a work rel...
by ChinchillaWhiplash
Sun Jun 03, 2018 2:07 pm
Forum: Investing - Help with Personal Investments
Topic: Solo 401k Employer Profit sharing contribution question
Replies: 1
Views: 178

Solo 401k Employer Profit sharing contribution question

Filing an extension for 2017 tax year for s-corp. Want to put profit sharing contributions in for 2017. Do I have to do anything special to make this contribution? It's set up through Schwab. Do you just call them and say you want them to pull funds for a 2017 employer contribution from our business...
by ChinchillaWhiplash
Sun Jun 03, 2018 10:54 am
Forum: Personal Finance (Not Investing)
Topic: Max out 401k w/credit card debt?
Replies: 30
Views: 1867

Re: Max out 401k w/credit card debt?

Anybody know if it would be allowed to take out a 401k loan and then fund a 529 as tax deferred $s with the loan? Might be an option :greedy
by ChinchillaWhiplash
Sun Jun 03, 2018 9:19 am
Forum: Investing - Help with Personal Investments
Topic: Tell me more about VT Total World Stock ETF
Replies: 6
Views: 532

Re: Tell me more about VT Total World Stock ETF

If I did switch over, might increase the % of international a bit. But was trying to keep close to market cap anyway. Would narrow it down to VT, total bond market fund, and a REIT fund. Could use dividends to rebalance by turning drip on and off as needed.
by ChinchillaWhiplash
Sun Jun 03, 2018 8:54 am
Forum: Investing - Help with Personal Investments
Topic: Tell me more about VT Total World Stock ETF
Replies: 6
Views: 532

Tell me more about VT Total World Stock ETF

Vanguard total world index ETF. Is this cap weighted for the world equities? I'm thinking this might be a good choice for me in my tIRA that will get no future contributions (can't add $s to it). Is with Schwab. Currently have separate funds to make up equities portion of portfolio. Total US SWTSX, ...
by ChinchillaWhiplash
Sun Jun 03, 2018 8:28 am
Forum: Personal Finance (Not Investing)
Topic: Max out 401k w/credit card debt?
Replies: 30
Views: 1867

Re: Max out 401k w/credit card debt?

Pay enough each month on the 0% to pay off before deadline. Keep maxing out your 401k. Pay off the 5% CC with any extra each month. Skip the 529. You CAN'T borrow for retirement. Your kids CAN borrow for college. For the 0% transfer, most CCs now charge a percentage of the balance for a transfer. Yo...
by ChinchillaWhiplash
Thu May 31, 2018 10:15 pm
Forum: Investing - Help with Personal Investments
Topic: Relationship between Living Off of Dividends and Maximizing Yield
Replies: 13
Views: 976

Re: Relationship between Living Off of Dividends and Maximizing Yield

To the OP, makes sense to me. You will have more volatility in NAV, but if you only need the dividend, big deal. All types of funds can have NAV go up and down. You are only losing $s if you sell shares when it is down. If you are just collecting dividends, you technically are not losing money. You ...
by ChinchillaWhiplash
Thu May 31, 2018 9:14 pm
Forum: Investing - Help with Personal Investments
Topic: Help with my allocations
Replies: 16
Views: 1405

Re: Help with my alocations

I think you need to work on figuring out what you want for an asset allocation. You have a lot of funds, such as specific sector funds. You can make it a lot simpler by holding total stock market as your core holding, total international equities, and total bond. Boom! Done! You need to read up on a...
by ChinchillaWhiplash
Thu May 31, 2018 7:29 pm
Forum: Investing - Help with Personal Investments
Topic: Questions about selling investment RE and buying NLY
Replies: 10
Views: 804

Re: Questions about selling investment RE and buying NLY

For 2) a CD ladder might be a good idea. 3) why are you focusing on this 1 REIT? How much were you thinking of investing in it? Might be OK, but wouldn't put a lot of $s into it. Who knows how safe their dividend payout will be in the future? I actually hold a little in it, but have several others a...
by ChinchillaWhiplash
Thu May 31, 2018 9:26 am
Forum: Investing - Help with Personal Investments
Topic: SPDW (SPDY Developed World Ex US ETF) in taxable?
Replies: 1
Views: 139

SPDW (SPDY Developed World Ex US ETF) in taxable?

Any reason that this wouldn't be a good international index fund to hold in a taxable account? Has low ER (0.04). Low portfolio turnover. Not sure on capital gains. Also get free commission with this ETF at TDA.
by ChinchillaWhiplash
Wed May 30, 2018 10:12 am
Forum: Investing - Theory, News & General
Topic: Equal weight for index fund?
Replies: 51
Views: 2935

Re: Equal weight for index fund?

Equal weight funds also suffer from a logic issue regarding conglomerates. Suppose Apple split into 10 different companies. Does it make sense that an investor would want to increase his stake in Apple products by 10x, just because of the split? There would be no change required for the market cap ...
by ChinchillaWhiplash
Tue May 29, 2018 9:15 pm
Forum: Investing - Theory, News & General
Topic: Equal weight for index fund?
Replies: 51
Views: 2935

Re: Equal weight for index fund?

How about with bond funds? What would the thought process be behind equal weight index fund?
by ChinchillaWhiplash
Tue May 29, 2018 7:54 pm
Forum: Investing - Theory, News & General
Topic: General Electric
Replies: 57
Views: 6719

Re: General Electric

I would sell. Negative returns, long term debt to equity = 190%, tangible book value = -$5.78, operating and net profit margins are negative. Not much to like here. They have over $100 billion in debt. Might turn things around at some point, but will be a long time.
by ChinchillaWhiplash
Tue May 29, 2018 4:54 pm
Forum: Investing - Theory, News & General
Topic: Anyone try to buy brokered CDs today?
Replies: 7
Views: 863

Re: Anyone try to buy brokered CDs today?

Just checked and now there are many to choose from. Must have been a system glitch or something earlier. Thanks for the updates everyone.
by ChinchillaWhiplash
Tue May 29, 2018 4:30 pm
Forum: Investing - Theory, News & General
Topic: Anyone try to buy brokered CDs today?
Replies: 7
Views: 863

Re: Anyone try to buy brokered CDs today?

Hmmm wonder if Schwab was having some technical difficulties?
by ChinchillaWhiplash
Tue May 29, 2018 4:20 pm
Forum: Investing - Theory, News & General
Topic: Anyone try to buy brokered CDs today?
Replies: 7
Views: 863

Anyone try to buy brokered CDs today?

I was using Schwab and there was almost nothing listed around 3pm EST. No 2 or 3 year listed at all. Did anyone else have the same issues today?
by ChinchillaWhiplash
Tue May 29, 2018 8:57 am
Forum: Investing - Theory, News & General
Topic: Equal weight for index fund?
Replies: 51
Views: 2935

Equal weight for index fund?

Is an equal weight scheme ever a good thing in an index fund? Could this be beneficial in a bond fund? What would the purpose be for this scheme over a market cap weight scheme?
by ChinchillaWhiplash
Tue May 29, 2018 8:28 am
Forum: Personal Finance (Not Investing)
Topic: Do you have a monthly household budget?
Replies: 63
Views: 3934

Re: Do you have a monthly household budget?

I set a budget each month. Sometimes have to pull from savings if something unexpected comes up. With variable monthly income, have to adjust once get paid sometimes. I use a pen and paper to keep track.
by ChinchillaWhiplash
Mon May 28, 2018 8:55 pm
Forum: Investing - Theory, News & General
Topic: Should REITs and BDCs be looked at more like bonds?
Replies: 20
Views: 1641

Re: Should REITs and BDCs be looked at more like bonds?

Thanks for all the replies. Not really looking to replace bonds with something else, but was curious if these "asset classes" could complement them. Looks like both REITs & BDCs behave more like normal equities with the bonus of higher yields. Both are very interest rate sensitive which seems to mak...