Search found 200 matches

by manlymatt83
Tue Oct 13, 2020 10:36 am
Forum: Investing - Theory, News & General
Topic: The Three-Fund Portfolio
Replies: 3011
Views: 1918177

Re: The Three-Fund Portfolio

For those holding VT/BNDW as part of the "three-fund" -- is it OK to hold VT/BNDW in both taxable and tax-advantaged so that rebalancing between VT and BNDW can only be done in tax advantaged and you never have to touch the taxable holdings? I realize VTI/VXUS has a lower expense ratio and the bene...
by manlymatt83
Tue Oct 13, 2020 10:28 am
Forum: Investing - Theory, News & General
Topic: The Three-Fund Portfolio
Replies: 3011
Views: 1918177

Re: The Three-Fund Portfolio

For those holding VT/BNDW as part of the "three-fund" -- is it OK to hold VT/BNDW in both taxable and tax-advantaged so that rebalancing between VT and BNDW can only be done in tax advantaged and you never have to touch the taxable holdings? I realize VTI/VXUS has a lower expense ratio and the bene...
by manlymatt83
Tue Oct 13, 2020 10:18 am
Forum: Investing - Theory, News & General
Topic: The Three-Fund Portfolio
Replies: 3011
Views: 1918177

Re: The Three-Fund Portfolio

For those holding VT/BNDW as part of the "three-fund" -- is it OK to hold VT/BNDW in both taxable and tax-advantaged so that rebalancing between VT and BNDW can only be done in tax advantaged and you never have to touch the taxable holdings? Are you accumulating or decumulating? Depending, you can ...
by manlymatt83
Tue Oct 13, 2020 10:06 am
Forum: Investing - Theory, News & General
Topic: The Three-Fund Portfolio
Replies: 3011
Views: 1918177

Re: The Three-Fund Portfolio

For those holding VT/BNDW as part of the "three-fund" -- is it OK to hold VT/BNDW in both taxable and tax-advantaged so that rebalancing between VT and BNDW can only be done in tax advantaged and you never have to touch the taxable holdings? I realize VTI/VXUS has a lower expense ratio and the benef...
by manlymatt83
Wed Oct 07, 2020 4:29 pm
Forum: Personal Investments
Topic: Applying a bit of Leverage in Roth IRA as an early accumulator
Replies: 17
Views: 1526

Re: Applying a bit of Leverage in Roth IRA as an early accumulator

PluckyDucky wrote: Tue Oct 06, 2020 11:16 am My IRA account is 100% NTSX. Set it and forget it. Much simpler than what you're trying to do, and it is 1.5x (90/60) with only a 0.20 % ER.

I have other stuff in taxable and my 401k doesn't have NTSX available.
Why no PSLDX?
by manlymatt83
Mon Oct 05, 2020 11:53 am
Forum: Investing - Theory, News & General
Topic: Small Cap Value heads Rejoice !!!
Replies: 3132
Views: 230684

Re: Small Cap Value heads Rejoice !!!

Going to unsubscribe from this thread, let my portfolio bake for a few years, and enjoy life :)

70% VT
12% AVUV
12% AVDV
6% AVEM

Good luck with SCV everyone!
by manlymatt83
Thu Oct 01, 2020 3:16 pm
Forum: Investing - Theory, News & General
Topic: Small Cap Value heads Rejoice !!!
Replies: 3132
Views: 230684

Re: Small Cap Value heads Rejoice !!!

ER for new DFA ETFs: DFAU - DFA US Core Equity ETF: 0.12% DFAI - DFA Int Core Equity ETF: 0.18% DFAE - DFA EM Core Equity ETF: 0.35% https://www.sec.gov/Archives/edgar/data/1816125/000179420220000449/dimensionaletfn1aa.htm US/Int a bit lower than Avantis, EM a bit higher. Interested to see where th...
by manlymatt83
Wed Sep 30, 2020 2:15 pm
Forum: Investing - Theory, News & General
Topic: Small Cap Value heads Rejoice !!!
Replies: 3132
Views: 230684

Re: Small Cap Value heads Rejoice !!!

I was having trouble deciding whether or not to just hold AVUV/AVDV without my DGS allocation, or to somehow factor DGS in at Merriman's recommended 50/40/10 split. Decided to split the difference - dumped DGS because I can only hold it in a taxable and turnover is high. Instead, added AVEM at twic...
by manlymatt83
Wed Sep 30, 2020 1:45 pm
Forum: Investing - Theory, News & General
Topic: Small Cap Value heads Rejoice !!!
Replies: 3132
Views: 230684

Re: Small Cap Value heads Rejoice !!!

I was having trouble deciding whether or not to just hold AVUV/AVDV without my DGS allocation, or to somehow factor DGS in at Merriman's recommended 50/40/10 split. Decided to split the difference - dumped DGS because I can only hold it in a taxable and turnover is high. Instead, added AVEM at twic...
by manlymatt83
Wed Sep 30, 2020 1:22 pm
Forum: Investing - Theory, News & General
Topic: Small Cap Value heads Rejoice !!!
Replies: 3132
Views: 230684

Re: Small Cap Value heads Rejoice !!!

I was having trouble deciding whether or not to just hold AVUV/AVDV without my DGS allocation, or to somehow factor DGS in at Merriman's recommended 50/40/10 split. Decided to split the difference - dumped DGS because I can only hold it in a taxable and turnover is high. Instead, added AVEM at twic...
by manlymatt83
Wed Sep 30, 2020 12:34 pm
Forum: Personal Investments
Topic: Wash Sale Questions
Replies: 7
Views: 385

Re: Wash Sale Questions

Does robinhood automatically adjust cost basis for wash sales on tax documents? I left robinhood in October 2019 and sold everything to cash then (to switch to mostly index funds, of course!). I received a tax document for last year that showed a bunch of losses “ineligible due to wash sales”. Howe...
by manlymatt83
Wed Sep 30, 2020 12:22 pm
Forum: Investing - Theory, News & General
Topic: Small Cap Value heads Rejoice !!!
Replies: 3132
Views: 230684

Re: Small Cap Value heads Rejoice !!!

I was having trouble deciding whether or not to just hold AVUV/AVDV without my DGS allocation, or to somehow factor DGS in at Merriman's recommended 50/40/10 split. Decided to split the difference - dumped DGS because I can only hold it in a taxable and turnover is high. Instead, added AVEM at twice...
by manlymatt83
Tue Sep 29, 2020 10:19 pm
Forum: Investing - Theory, News & General
Topic: Small Cap Value heads Rejoice !!!
Replies: 3132
Views: 230684

Re: Small Cap Value heads Rejoice !!!

I asked Larry about DGS vs AVEM on Twitter. He replied:
Cannot mention every single one that worth looking at. DGS is fine, but ER at 63bp vs 33bp is significant difference. Fundamental EM fund is also in similar vein. FNDE at just 39bp. Larry
by manlymatt83
Tue Sep 29, 2020 3:19 pm
Forum: Investing - Theory, News & General
Topic: Small Cap Value heads Rejoice !!!
Replies: 3132
Views: 230684

Re: Small Cap Value heads Rejoice !!!

In trying to further simplify, if I hold 50% AVUV, 40% AVDV, and 10% DGS, can I just dump the DGS allocation? I realize AVDV doesn't have emerging markets, but is the 10% really going to make that much of a difference? Or perhaps add a little AVEM at a much lower ER (even though it isn't small cap)...
by manlymatt83
Tue Sep 29, 2020 1:25 pm
Forum: Investing - Theory, News & General
Topic: Small Cap Value heads Rejoice !!!
Replies: 3132
Views: 230684

Re: Small Cap Value heads Rejoice !!!

In trying to further simplify, if I hold 50% AVUV, 40% AVDV, and 10% DGS, can I just dump the DGS allocation? I realize AVDV doesn't have emerging markets, but is the 10% really going to make that much of a difference? Or perhaps add a little AVEM at a much lower ER (even though it isn't small cap)...
by manlymatt83
Tue Sep 29, 2020 8:54 am
Forum: Investing - Theory, News & General
Topic: Asset Allocation for Private Investments
Replies: 7
Views: 521

Re: Asset Allocation for Private Investments

Helpful... I'm not sure I understand the increase of exposure to tech giants if you're at a startup. Can you explain that again? And why would you want to decrease exposure to small caps - if you're in tech, say working for Amazon, wouldn't you want to decrease your exposure to big tech and increas...
by manlymatt83
Mon Sep 28, 2020 8:38 pm
Forum: Investing - Theory, News & General
Topic: Asset Allocation for Private Investments
Replies: 7
Views: 521

Re: Asset Allocation for Private Investments

Interesting. I never really thought about not counting these types of investments as part of your overall asset allocation. But you’re right, they are static and can’t really easily be liquidated. I may just take a step back and think about making these part of my net worth, but for asset allocatio...
by manlymatt83
Mon Sep 28, 2020 2:26 pm
Forum: Investing - Theory, News & General
Topic: Small Cap Value heads Rejoice !!!
Replies: 3132
Views: 230684

Re: Small Cap Value heads Rejoice !!!

In trying to further simplify, if I hold 50% AVUV, 40% AVDV, and 10% DGS, can I just dump the DGS allocation? I realize AVDV doesn't have emerging markets, but is the 10% really going to make that much of a difference? Or perhaps add a little AVEM at a much lower ER (even though it isn't small cap)...
by manlymatt83
Mon Sep 28, 2020 1:24 pm
Forum: Investing - Theory, News & General
Topic: Small Cap Value heads Rejoice !!!
Replies: 3132
Views: 230684

Re: Small Cap Value heads Rejoice !!!

I hold EM via my $VT allocation (which is 50% of my portfolio, the other being the 50/40/10 allocation I just asked about). I assume when you say you would suggest I hold EM, do you mean continuing to hold small cap value EM? Could I just add some AVEM at a much lower ER to buff up my EM allocation...
by manlymatt83
Mon Sep 28, 2020 1:10 pm
Forum: Investing - Theory, News & General
Topic: Small Cap Value heads Rejoice !!!
Replies: 3132
Views: 230684

Re: Small Cap Value heads Rejoice !!!

In trying to further simplify, if I hold 50% AVUV, 40% AVDV, and 10% DGS, can I just dump the DGS allocation? I realize AVDV doesn't have emerging markets, but is the 10% really going to make that much of a difference? Or perhaps add a little AVEM at a much lower ER (even though it isn't small cap)...
by manlymatt83
Mon Sep 28, 2020 12:57 pm
Forum: Investing - Theory, News & General
Topic: Small Cap Value heads Rejoice !!!
Replies: 3132
Views: 230684

Re: Small Cap Value heads Rejoice !!!

In trying to further simplify, if I hold 50% AVUV, 40% AVDV, and 10% DGS, can I just dump the DGS allocation? I realize AVDV doesn't have emerging markets, but is the 10% really going to make that much of a difference? Or perhaps add a little AVEM at a much lower ER (even though it isn't small cap).
by manlymatt83
Mon Sep 28, 2020 11:17 am
Forum: Personal Investments
Topic: Wash Sale Questions
Replies: 7
Views: 385

Re: Wash Sale Questions

Wash sales only apply when you buy a security within 30 days before or after selling it for a loss. That I understand, but on average I am at a loss. However, I have lots that are at a profit. So if I sell a lot at a profit, I’ll avoid the wash sale, even though overall my average is showing a loss...
by manlymatt83
Mon Sep 28, 2020 11:11 am
Forum: Personal Investments
Topic: Wash Sale Questions
Replies: 7
Views: 385

Re: Wash Sale Questions

Wash sales only apply when you buy a security within 30 days before or after selling it for a loss. That I understand, but on average I am at a loss. However, I have lots that are at a profit. So if I sell a lot at a profit, I’ll avoid the wash sale, even though overall my average is showing a loss...
by manlymatt83
Mon Sep 28, 2020 10:46 am
Forum: Personal Investments
Topic: Wash Sale Questions
Replies: 7
Views: 385

Re: Wash Sale Questions

Wash sales only apply when you buy a security within 30 days before or after selling it for a loss. That I understand, but on average I am at a loss. However, I have lots that are at a profit. So if I sell a lot at a profit, I’ll avoid the wash sale, even though overall my average is showing a loss?
by manlymatt83
Mon Sep 28, 2020 10:24 am
Forum: Personal Investments
Topic: Wash Sale Questions
Replies: 7
Views: 385

Wash Sale Questions

I have two quick wash sale related questions, hoping BHs can help: If I have 10 lots of 10 shares each, and 60 of them show a loss, and 40 of them show a gain, if I sell a lot that has a gain I won’t be at risk of a wash sale even though some of the shares in other lots show a loss, correct? Does ro...
by manlymatt83
Mon Sep 28, 2020 12:00 am
Forum: Investing - Theory, News & General
Topic: Small Cap Value heads Rejoice !!!
Replies: 3132
Views: 230684

Re: Small Cap Value heads Rejoice !!!

Anyone have a chart of something like VTI vs VBR going back to 1900s? Or the asset classes in general?
by manlymatt83
Sun Sep 27, 2020 3:27 pm
Forum: Investing - Theory, News & General
Topic: HEDGEFUNDIE's excellent adventure Part II: The next journey
Replies: 6626
Views: 627206

Re: HEDGEFUNDIE's excellent adventure Part II: The next journey

How do you folks allocate UPRO/TMF into your overall asset allocation? Enough to notice if it rocks, not enough that it matters if it all goes away. I.e. not enough that it will affect my retirement noticeably. There is a lot of risk adopting this strategy, so going all-in would probably not be ver...
by manlymatt83
Sat Sep 26, 2020 11:45 am
Forum: Investing - Theory, News & General
Topic: Small Cap Value heads Rejoice !!!
Replies: 3132
Views: 230684

Re: Small Cap Value heads Rejoice !!!

Much love to you all but I am gonna take a break from Bogleheads to clear my mind and focus on setting up healthy goals for the increased expected return of my factor-tilted portfolio :twisted:. Hopefully whenever the tide turns for SCV this thread can get back to the fun times of cheering it on an...
by manlymatt83
Sat Sep 26, 2020 11:04 am
Forum: Investing - Theory, News & General
Topic: Small Cap Value heads Rejoice !!!
Replies: 3132
Views: 230684

Re: Small Cap Value heads Rejoice !!!

But yes compared to the US universe (what it sounds like you were using), ex-US stocks sure look like value stocks (positive HML) and small stocks (positive SMB). Got it! So when running regression analysis on, say, VTI + AVUV, assuming you're looking for target weights of each that get you to an H...
by manlymatt83
Sat Sep 26, 2020 10:56 am
Forum: Investing - Theory, News & General
Topic: Small Cap Value heads Rejoice !!!
Replies: 3132
Views: 230684

Re: Small Cap Value heads Rejoice !!!

Trying to educate myself more using Portfolio Visualizer. I notice today that VTI has a lower SMB and a much lower HMB than VT. Of course, that means VXUS has a much higher SMB/HML than both, at .39 and .51 respectively. Does that mean that, when tilting SCV internationally, you might want to hold l...
by manlymatt83
Fri Sep 25, 2020 9:08 pm
Forum: Investing - Theory, News & General
Topic: HEDGEFUNDIE's excellent adventure Part II: The next journey
Replies: 6626
Views: 627206

Re: HEDGEFUNDIE's excellent adventure Part II: The next journey

How do you folks allocate UPRO/TMF into your overall asset allocation? Enough to notice if it rocks, not enough that it matters if it all goes away. I.e. not enough that it will affect my retirement noticeably. There is a lot of risk adopting this strategy, so going all-in would probably not be ver...
by manlymatt83
Fri Sep 25, 2020 7:33 pm
Forum: Investing - Theory, News & General
Topic: HEDGEFUNDIE's excellent adventure Part II: The next journey
Replies: 6626
Views: 627206

Re: HEDGEFUNDIE's excellent adventure Part II: The next journey

How do you folks allocate UPRO/TMF into your overall asset allocation?
by manlymatt83
Fri Sep 25, 2020 3:34 pm
Forum: Investing - Theory, News & General
Topic: Why not 100% PSLDX?
Replies: 580
Views: 60431

Re: Why not 100% PSLDX?

For AA considerations most people seem to treat this as 100% S&P500, but since this fund uses leverage I feel like it makes sense to view it as a way to add some leverage to your portfolio without going quite so far as the 3x the hedgefundie strategy would entail. In my spreadsheet I only have “TSM...
by manlymatt83
Fri Sep 25, 2020 3:12 pm
Forum: Investing - Theory, News & General
Topic: Why not 100% PSLDX?
Replies: 580
Views: 60431

Re: Why not 100% PSLDX?

I’m educated on it and have held a fixed dollar amount of it for almost a year in my IRA. But recently made a spreadsheet to track asset allocation and trying to determine where to put PSLDX — if I can loop it into something else, or make it it’s own category with a fixed %. I do plan to add to it ...
by manlymatt83
Fri Sep 25, 2020 2:33 pm
Forum: Investing - Theory, News & General
Topic: Asset Allocation for Private Investments
Replies: 7
Views: 521

Re: Asset Allocation for Private Investments

Interesting. I never really thought about not counting these types of investments as part of your overall asset allocation. But you’re right, they are static and can’t really easily be liquidated. I may just take a step back and think about making these part of my net worth, but for asset allocation...
by manlymatt83
Fri Sep 25, 2020 12:36 pm
Forum: Investing - Theory, News & General
Topic: How to imitate DFA Global Equity Portfolio with ETF?
Replies: 8
Views: 642

Re: How to imitate DFA Global Equity Portfolio with ETF?

Welcome to the forum! Are you looking for a global equity portfolio with a small-cap/value tilt? If so, here are a few ways to get there with ETFs: 1. Use VT (Vanguard Total World Stock Index Fund ETF) as a starting point and add VBR (Vanguard Small-Cap Value Index Fund ETF), SLYV (SPDR S&P 600 Sma...
by manlymatt83
Fri Sep 25, 2020 12:28 pm
Forum: Investing - Theory, News & General
Topic: The Three-Fund Portfolio
Replies: 3011
Views: 1918177

Re: The Three-Fund Portfolio

So then the question becomes, do I include those values in my Stock/bond calculation, or only factor in my VT holdings? manlymatt83: I apologize not answering your question directly. Here's my answer: You should include those values in my Stock/bond calculations. Best wishes. Taylor Jack Bogle's Wo...
by manlymatt83
Fri Sep 25, 2020 12:27 pm
Forum: Investing - Theory, News & General
Topic: Asset Allocation for Private Investments
Replies: 7
Views: 521

Asset Allocation for Private Investments

This forum makes it trivial to understand asset allocation in a three fund portfolio - TSM + Fixed Income, rebalance between both. It also seems clear to me how people handle "tilts". For example, if you have a 20% SCV tilt, that just becomes a percentage of your equity holdings as compared to bonds...
by manlymatt83
Fri Sep 25, 2020 12:24 pm
Forum: Investing - Theory, News & General
Topic: The Three-Fund Portfolio
Replies: 3011
Views: 1918177

Re: The Three-Fund Portfolio

manlymatt83 - You're asking a general question about asset allocation for private / alternative investments (how to classify it). May I suggest you start a new thread in this forum? If you need help managing your portfolio, start a thread in the Personal Investments forum. OK, thank you. Sorry.
by manlymatt83
Fri Sep 25, 2020 12:20 pm
Forum: Investing - Theory, News & General
Topic: Small Cap Value heads Rejoice !!!
Replies: 3132
Views: 230684

Re: Small Cap Value heads Rejoice !!!

What's your goal? To hold 20% of 90% or to hold 20%? Many would start from a particular factor loading they intend to hold, and then find what % of what fund they need to hold to achieve that. e.g. if you want a value (HML) loading of 0.2, an 80/20 portfolio of VTI/IJS won't get you there, so you n...
by manlymatt83
Fri Sep 25, 2020 12:15 pm
Forum: Investing - Theory, News & General
Topic: The Three-Fund Portfolio
Replies: 3011
Views: 1918177

Re: The Three-Fund Portfolio

manlymatt83: "The Three-Fund Portfolio" and its many benefits (including "simplicity") contains only the three total-market index funds. There is no such thing as adding different funds and calling it "The Bogleheads' Three-Fund Portfolio." Your question is better placed on another forum. Best wish...
by manlymatt83
Fri Sep 25, 2020 11:52 am
Forum: Investing - Theory, News & General
Topic: Small Cap Value heads Rejoice !!!
Replies: 3132
Views: 230684

Re: Small Cap Value heads Rejoice !!!

For those who set a "SCV tilt", do you do it as part of your overall portfolio, or just your equity allocation?

IE:

in a 90/10 portfolio, and a 20% tilt, do you hold:

- 18% SCV
- 72% TSM
- 10% bonds

or:

- 20% SCV
- 70% TSM
- 10% bonds
by manlymatt83
Fri Sep 25, 2020 11:20 am
Forum: Investing - Theory, News & General
Topic: The Three-Fund Portfolio
Replies: 3011
Views: 1918177

Re: The Three-Fund Portfolio

How does everyone factor private investments or any other such alternatives you happen to have (precious metals, crypto, etc.) into a three fund portfolio for stock/bond ratio purposes? Should they be held against your total equity holdings, or allocated outside of the TSM/bond split? Mostly asking...
by manlymatt83
Fri Sep 25, 2020 11:15 am
Forum: Investing - Theory, News & General
Topic: The Three-Fund Portfolio
Replies: 3011
Views: 1918177

Re: The Three-Fund Portfolio

How does everyone factor private investments or any other such alternatives you happen to have (precious metals, crypto, etc.) into a three fund portfolio for stock/bond ratio purposes? Should they be held against your total equity holdings, or allocated outside of the TSM/bond split? Mostly asking...
by manlymatt83
Fri Sep 25, 2020 11:12 am
Forum: Investing - Theory, News & General
Topic: Why not 100% PSLDX?
Replies: 580
Views: 60431

Re: Why not 100% PSLDX?

Does this fund lean closer to a 90%/10% VT/BNDW portfolio, or a 55%/45% UPRO/TMF? Trying to decide if this is a happy medium between choosing to partake (or not partake) in UPRO/TMF. For AA considerations most people seem to treat this as 100% S&P500, but since this fund uses leverage I feel like i...
by manlymatt83
Fri Sep 25, 2020 11:01 am
Forum: Investing - Theory, News & General
Topic: Why not 100% PSLDX?
Replies: 580
Views: 60431

Re: Why not 100% PSLDX?

Does this fund lean closer to a 90%/10% VT/BNDW portfolio, or a 55%/45% UPRO/TMF? Trying to decide if this is a happy medium between choosing to partake (or not partake) in UPRO/TMF. For AA considerations most people seem to treat this as 100% S&P500, but since this fund uses leverage I feel like i...
by manlymatt83
Fri Sep 25, 2020 10:59 am
Forum: Investing - Theory, News & General
Topic: The Three-Fund Portfolio
Replies: 3011
Views: 1918177

Re: The Three-Fund Portfolio

How does everyone factor private investments or any other such alternatives you happen to have (precious metals, crypto, etc.) into a three fund portfolio for stock/bond ratio purposes? Should they be held against your total equity holdings, or allocated outside of the TSM/bond split? Mostly asking ...
by manlymatt83
Fri Sep 25, 2020 9:53 am
Forum: Investing - Theory, News & General
Topic: Why not 100% PSLDX?
Replies: 580
Views: 60431

Re: Why not 100% PSLDX?

Does this fund lean closer to a 90%/10% VT/BNDW portfolio, or a 55%/45% UPRO/TMF? Trying to decide if this is a happy medium between choosing to partake (or not partake) in UPRO/TMF.
by manlymatt83
Thu Sep 24, 2020 9:15 pm
Forum: Investing - Theory, News & General
Topic: Small Cap Value heads Rejoice !!!
Replies: 3132
Views: 230684

Re: Small Cap Value heads Rejoice !!!

Any other funds similar to DEMSX (small cap emerging) that are more easily accessible? Not FNDC FNDC is developed not emerging. DGS is one of your only options if you are set on small-value. There are many more value funds (AVEM for example). Is AVEM actually value or just emerging markets in gener...
by manlymatt83
Thu Sep 24, 2020 2:08 pm
Forum: Investing - Theory, News & General
Topic: The Three-Fund Portfolio
Replies: 3011
Views: 1918177

Re: The Three-Fund Portfolio

Interesting. I saw this in another post: The traditional three-fund portfolio starting at world market cap ratio and not reinvesting dividends will continue to track world market cap on its own if you don't touch it, anyway. Is this true? If I start VTI and VXUS at market weight holdings (looks to ...