Search found 231 matches

by emlowe
Fri Nov 01, 2019 12:24 pm
Forum: Personal Investments
Topic: any canucks living in US? i've got an RRSP question
Replies: 7
Views: 616

Re: any canucks living in US? i've got an RRSP question

For a non-resident, I'm pretty sure the withholding tax is 25% - so if you liquidate your RRSP (ie, please sell everything and send me a check) - the bank will withhold 25% You then pay just all the typical US taxes as if this was a regular brokerage account (cap gains, etc) - but you get to apply t...
by emlowe
Tue Oct 29, 2019 12:09 pm
Forum: Personal Investments
Topic: any canucks living in US? i've got an RRSP question
Replies: 7
Views: 616

Re: any canucks living in US? i've got an RRSP question

At least in 2001, California did not require taxes on the annual earnings. It may have changed. The source is no longer available, unfortunately: "http://www.calcpa.org/californiacpa/articles/2001/08.04.html" Canadian RRSPs People who move to California from Canada frequently have RRSP accounts, whi...
by emlowe
Mon Oct 28, 2019 5:31 pm
Forum: Personal Investments
Topic: any canucks living in US? i've got an RRSP question
Replies: 7
Views: 616

Re: any canucks living in US? i've got an RRSP question

Note, all my experiences are 20 years old now - it's quite possible things have changed: Depending on your bank - you can likely keep your RRSP - however, you cannot make any more contributions. You may also have trouble doing any trading, other than dividend re-investment. Earnings in there will co...
by emlowe
Thu Oct 17, 2019 9:10 am
Forum: Personal Investments
Topic: I'm an indexer, but should I be buying my companies discounted stock?
Replies: 42
Views: 3202

Re: I'm an indexer, but should I be buying my companies discounted stock?

Sounds like an ESPP plan - but you need to get exact details. How much can you contribute per pay period? (10% of pay is a common limit) How often are purchases done? (6 months is common) How is the purchase price calculated? (some plans have a look-back feature) Are there any fees involved in eithe...
by emlowe
Wed Jul 24, 2019 1:42 pm
Forum: Personal Finance (Not Investing)
Topic: Is solar power for your home a worthwhile investment?
Replies: 145
Views: 14068

Re: Is solar power for your home a worthwhile investment?

Re: Is solar power for your home a worthwhile investment?Quote Valuethinker by Valuethinker » Tue Jul 23, 2019 4:44 am 2) Solar generation pretty drops off precipitously from 4-6pm. Just for FYI, I'm in NorCal - At 4pm I produce about 77% of peak production At 5pm: 56% At 6pm: 21% At 7pm: 10%
by emlowe
Wed Jul 24, 2019 1:06 pm
Forum: Personal Finance (Not Investing)
Topic: Is solar power for your home a worthwhile investment?
Replies: 145
Views: 14068

Re: Is solar power for your home a worthwhile investment?

Re: Is solar power for your home a worthwhile investment?Quote Valuethinker by Valuethinker » Tue Jul 23, 2019 4:44 am Hi Emlowe, do you mind sharing what your power company is charging you exactly in terms of rate structure? There is no economic argument for my solar - I think currently it is like...
by emlowe
Mon Jul 22, 2019 9:12 pm
Forum: Personal Investments
Topic: new windfall: investment questions
Replies: 22
Views: 3995

Re: new windfall: investment questions

... Also at Vanguard, I have a non-IRA account, with (Rick Ferri) Core Four: VBTLX (40%,total bond market), VFWAX (15%, int'l), VGSLX (10%, real estate), VTSAX (35%, U.S.total). ... 2) Any thoughts on my Core Four? 3) Any legal way to get more than $7k in the Roth, or any way to minimize taxes for ...
by emlowe
Mon Jul 22, 2019 6:05 pm
Forum: Personal Finance (Not Investing)
Topic: Cost of children
Replies: 49
Views: 2132

Re: Cost of children

For instance, some of us actually do raise our own kids instead of outsourcing that duty, -TheDDC Please tell me this statement gets removed. Why? Everyone has a choice on what to outsource and opinions differ. I do find it unfortunate that (1) many parents today readily assume that daycare is a ne...
by emlowe
Mon Jul 22, 2019 5:50 pm
Forum: Personal Finance (Not Investing)
Topic: Is solar power for your home a worthwhile investment?
Replies: 145
Views: 14068

Re: Is solar power for your home a worthwhile investment?

Projections can be tricky - even with net-use metering buybacks. My electrical company started to do 2 things that make the initial projections pretty invalid when I put in solar: 1) Starting charging LESS per (kWh) - ohh sounds great right? Starting charging MORE "flat connection fee". This reduced...
by emlowe
Sun Jul 21, 2019 9:48 pm
Forum: Personal Investments
Topic: seeking advice for bond fund for 3 fund portfolio for taxable account
Replies: 7
Views: 1065

Re: seeking advice for bond fund for 3 fund portfolio

bluquark wrote:
Sat Jul 20, 2019 11:43 pm
Even if Fidelity charges a transaction fee to use that, it should be much less than the cost of the expense ratio.
Just for information: MUB is (currently) commission-free at Fidelity
by emlowe
Sun Jul 21, 2019 5:50 pm
Forum: Personal Investments
Topic: 529 savings if not used
Replies: 6
Views: 1037

Re: 529 savings if not used

Withdrawals will be a pro-rata combination of contributions and earnings.

So in your example, if you withdraw 10,000

9,345 will be contributions (no tax due and no penalty)
655 will be earnings subject to 10% penalty and income tax
by emlowe
Sat Jul 20, 2019 5:53 pm
Forum: Personal Investments
Topic: What tilt(s) have you adopted?
Replies: 28
Views: 1823

Re: What tilt(s) have you adopted?

I'm using Ferri Classic Core-4, so I'm tilted towards REITs, I suppose

40% TBM
7% REIT
36% Total US
17% Total International
by emlowe
Sat Jul 20, 2019 5:28 pm
Forum: Personal Investments
Topic: Portfolio review, ~10 years from retirement
Replies: 9
Views: 950

Re: Portfolio review, ~10 years from retirement

This looks like a solid plan, and the two of you are doing very well! I only have one suggestion- I don’t think the two Fidelity funds in your taxable account (FSKAX and FZILX) are as tax-efficient as their Vanguard counterparts (Total US Stock = VTSAX and Total international = VTIAX). Although the...
by emlowe
Sat Jul 20, 2019 4:07 pm
Forum: Personal Investments
Topic: My quick review & some guidance needed
Replies: 18
Views: 1442

Re: My quick review & some guidance needed

You may find https://www.i-orp.com/apenalty/index.html

Helps with your planning.

I've not that familiar with the tool myself but I think it will show you some things you are trying to figure out
by emlowe
Sat Jul 20, 2019 12:51 am
Forum: Personal Investments
Topic: My quick review & some guidance needed
Replies: 18
Views: 1442

Re: My quick review & some guidance needed

Just to add, for me personally you are pretty light on Bonds - by my calculation ~ 15%. But I suppose this is the asset allocation that is comfortable for you. How much benefit vs. Investing in the taxable account? Especially when factoring early retirement needs? It's this math (and ease of access...
by emlowe
Fri Jul 19, 2019 11:58 pm
Forum: Personal Investments
Topic: with 10K limit is an I-bond worth it?
Replies: 6
Views: 853

Re: with 10K limit is an I-bond worth it?

I'll just point out - you can buy more if you really want. A trust can also buy 10k and there is technically no limit on the number of trusts you can create to buy more if you want. A simple example, for a married couple: Spouse A buys 10k Spouse A trust buys 10k Spouse B buys 10k Spouse B trust buy...
by emlowe
Fri Jul 19, 2019 11:54 pm
Forum: Personal Investments
Topic: My quick review & some guidance needed
Replies: 18
Views: 1442

Re: My quick review & some guidance needed

Just to add, for me personally you are pretty light on Bonds - by my calculation ~ 15%. But I suppose this is the asset allocation that is comfortable for you.
by emlowe
Fri Jul 19, 2019 11:48 pm
Forum: Personal Investments
Topic: My quick review & some guidance needed
Replies: 18
Views: 1442

Re: My quick review & some guidance needed

If your company has started offering the Mega Back Door - then for sure you should do that - this lets you save a bunch more into a tax-advantaged account. Eg, if you contribute the max (19k) and there is no company match, you can put another 37k into a Roth vehicle. Basically, no reason that I can ...
by emlowe
Tue Jul 16, 2019 10:21 pm
Forum: Personal Investments
Topic: US citizen retiring in Spain - portfolio concern
Replies: 25
Views: 2328

Re: US citizen retiring in Spain - portfolio concern

I believe CHF denominated bonds are sometimes used for hedging - perhaps iShares Swiss Domestic Government Bond 7-15 ETF (CH) I honestly have no idea, but I know some funds use CHF bonds as an inflation hedge because historically it is a very stable currency (this reputation has been damaged somewha...
by emlowe
Fri Jul 12, 2019 9:02 pm
Forum: Personal Finance (Not Investing)
Topic: Do foreign nationals need to file US income taxes?
Replies: 10
Views: 895

Re: Do foreign nationals need to file US income taxes?

This is not a simple subject.

You should start from the position that ALL LPRs must declare and report their worldwide income and file a 1040.

There are cases where you may not have to - but I expect you would need professional advice on this aspect.
by emlowe
Tue Jun 25, 2019 2:32 pm
Forum: Personal Investments
Topic: Tangled Portfolio Review – Looking to Streamline
Replies: 22
Views: 1310

Re: Tangled Portfolio Review – Looking to Streamline

HSA in California, an alternative is to use Treasuries, since they are state-tax free.

I periodically move money from my employer HSA to Fidelity and auto-roll treasuries

This then becomes part of your bond allocation.
by emlowe
Tue Jun 25, 2019 12:03 pm
Forum: Personal Investments
Topic: Best place for temp cash in Fidelity HSA?
Replies: 11
Views: 1235

Re: Best place for temp cash in Fidelity HSA?

If you are in California, then FDLXX (Fidelity Treasury Only) might be better due to state taxation of HSA accounts

You can also auto-roll treasuries
by emlowe
Sun Mar 17, 2019 8:55 pm
Forum: Personal Finance (Not Investing)
Topic: Fidelity as a one stop shop
Replies: 1197
Views: 145662

Re: Fidelity as a one stop shop

Can someone explain clearly: Do you need both a brokerage account AND a CMA account to have a MM fund as a sweep account? Just trying to avoid having cash swept to a bank account (if I go this direction, which is uncertain). Please explain like I'm 14 years old how to optimize cash management at Fi...
by emlowe
Sun Mar 17, 2019 8:05 pm
Forum: Personal Finance (Not Investing)
Topic: Fidelity as a one stop shop
Replies: 1197
Views: 145662

Re: Fidelity as a one stop shop

Can someone explain clearly: Do you need both a brokerage account AND a CMA account to have a MM fund as a sweep account? Just trying to avoid having cash swept to a bank account (if I go this direction, which is uncertain). Please explain like I'm 14 years old how to optimize cash management at Fi...
by emlowe
Sun Mar 17, 2019 8:00 pm
Forum: Personal Finance (Not Investing)
Topic: Fidelity as a one stop shop
Replies: 1197
Views: 145662

Re: Fidelity as a one stop shop

Can someone explain clearly: Do you need both a brokerage account AND a CMA account to have a MM fund as a sweep account? Just trying to avoid having cash swept to a bank account (if I go this direction, which is uncertain). Please explain like I'm 14 years old how to optimize cash management at Fi...
by emlowe
Sun Mar 17, 2019 7:48 pm
Forum: Personal Finance (Not Investing)
Topic: Fidelity as a one stop shop
Replies: 1197
Views: 145662

Re: Fidelity as a one stop shop

He is right. 1 CMA with core as FDIC-CASH and buy SPRXX does same thing where first FDIC-CASH is emptied followed by money market funds to pay bills, checks, ATM etc But you can't hold SPRXX within the CMA, right? So you need a brokerage account to hold that fund, and designate it as the overdraft ...
by emlowe
Mon Mar 11, 2019 7:11 pm
Forum: Personal Investments
Topic: What is best to sell - RSU (at vest), RSU (at gain), ESPP...
Replies: 10
Views: 868

Re: What is best to sell - RSU (at vest), RSU (at gain), ESPP...

Well, I would always sell immediately everything, so this question never comes up for me. You should sell immediately going forward. However, I would do this: If your ESPP shares are QUALIFYING - then sell ALL the ones at a loss and calculate the LTC Loss Your RSU were taxed at vest. So you already ...
by emlowe
Sun Mar 10, 2019 1:16 pm
Forum: Personal Investments
Topic: Need Help With Mothers Portfolio
Replies: 15
Views: 1413

Re: Need Help With Mothers Portfolio

The wiki has a good article on Boglehead investing at Fidelity: https://www.bogleheads.org/wiki/Fidelity You can also buy brokered CDs and treasuries - auto-rolling t-bills is a nice option. Fidelity can also automatically build you a 1/2/5 year CD ladder via the web. I believe Fidelity's highest yi...
by emlowe
Sat Mar 09, 2019 4:31 pm
Forum: Personal Investments
Topic: Evaluating Bond ETF's - BND vs AGG
Replies: 19
Views: 4229

Re: Evaluating Bond ETF's - BND vs AGG

I have a 401(k) at Fidelity, and want to buy a total market bond index fund. AGG is free to buy, but it's expense ratio is 0.05% with a 0.01% Fee Waiver through 6/30/2026, after which its expense ratio may increase. Fidelity also charges to sell AGG: "The sale of ETFs is subject to an activity asse...
by emlowe
Sat Mar 09, 2019 4:18 pm
Forum: Personal Investments
Topic: Holdings in Value Index Fund - how to improve tax efficiency
Replies: 9
Views: 585

Re: Holdings in Value Index Fund - how to improve tax efficiency

Short answer is no. You cannot exchange funds without selling the fund which will result in cap gains (probably) - you should determine how much gain you would have if you sell - Vanguard should show this easily enough. What you can do is a) stop reinvesting dividends (so dividends go to cash/core a...
by emlowe
Fri Mar 08, 2019 12:20 am
Forum: Personal Investments
Topic: Puzzled: How to add more bonds+international after running out of tax-advantaged room?
Replies: 15
Views: 2198

Re: Puzzled: How to add more bonds+international after running out of tax-advantaged room?

Bonds: I would do (a) and (c) - but at your savings amount, I-bonds may not really make much dent because of the limits. FYI, you can buy more using trusts, but then things just get more complicated with lots of accounts. I would also consider using the Vanguard Intermediate-Term CA fund - VCAIX, ra...
by emlowe
Thu Mar 07, 2019 4:06 pm
Forum: Personal Finance (Not Investing)
Topic: Fidelity as a one stop shop
Replies: 1197
Views: 145662

Re: Fidelity as a one stop shop

I use Fidelity as a one-stop shop and use the CMA as my checking account. I keep maybe $10k in there, and transfer any excess to my brokerage account on the 1st of the month. I have been buying SPRXX upon any large deposit (paycheck or otherwise) and just thought to set up automatic investments. I ...
by emlowe
Wed Mar 06, 2019 4:49 pm
Forum: Personal Investments
Topic: Best Account for 2 Million from Sale of my Business
Replies: 63
Views: 3706

Re: Best Account for 2 Million from Sale of my Business

Any of the following are all good places: VUSXX Treasury Money Market - 100% Treasuries, very safe, state-tax free VMRXX Vanguard Prime Money Market (Admiral) - fully taxable interest VMSXX Vanguard Muni Money Market - fed tax free Edit, you need 5 million for VMRXX - I thought it was 1 million - s...
by emlowe
Wed Mar 06, 2019 4:44 pm
Forum: Personal Investments
Topic: Best Account for 2 Million from Sale of my Business
Replies: 63
Views: 3706

Re: Best Account for 2 Million from Sale of my Business

Any of the following are all good places: VUSXX Treasury Money Market - 100% Treasuries, very safe, state-tax free VMRXX Vanguard Prime Money Market (Admiral) - fully taxable interest VMSXX Vanguard Muni Money Market - fed tax free Edit, you need 5 million for VMRXX - I thought it was 1 million - so...
by emlowe
Tue Mar 05, 2019 1:10 pm
Forum: Personal Investments
Topic: New to Fidelity
Replies: 8
Views: 704

Re: New to Fidelity

As mentioned, if you want a Core 4 portfolio, you can add REITs - Fidelity Real Estate Index FSRNX, ER: 0.07
by emlowe
Mon Mar 04, 2019 7:15 pm
Forum: Personal Investments
Topic: Can you give me a basic rundown on choosing Roth IRA investments?
Replies: 23
Views: 1570

Re: Can you give me a basic rundown on choosing Roth IRA investments?

Go with one of FZROX (Fidelity ZERO Total Market Index Fund ER:0 ) or FSKAX (Fidelity Total Market Index Fund ER: 0.015) - no need for any further complications. I use FZROX myself Yeah, I'm going to end up picking one of those and just leave it be. Out of curiosity, what factors did you use to det...
by emlowe
Mon Mar 04, 2019 5:49 pm
Forum: Personal Investments
Topic: Can you give me a basic rundown on choosing Roth IRA investments?
Replies: 23
Views: 1570

Re: Can you give me a basic rundown on choosing Roth IRA investments?

Go with one of FZROX (Fidelity ZERO Total Market Index Fund ER:0 ) or FSKAX (Fidelity Total Market Index Fund ER: 0.015) - no need for any further complications.

I use FZROX myself
by emlowe
Mon Mar 04, 2019 3:40 pm
Forum: Personal Investments
Topic: simplifying my financial life -- should i get rid of treasury direct?
Replies: 72
Views: 8695

Re: simplifying my financial life -- should i get rid of treasury direct?

That plastic card didn't last long though - you don't need it anymore. That was ditched in 2011 from what I can tell. I wish they would ditch the dumb web keyboard thing - it's easily overridden by using some simple scripts, and offers no additional security that I can think of. If they introduced ...
by emlowe
Sun Mar 03, 2019 8:03 pm
Forum: Personal Investments
Topic: Building Wealth
Replies: 23
Views: 5432

Re: Building Wealth

Note that you should exhaust your tax-advantaged space - this means maxing your 401(k) at $19,000 for 2019 (more if using 50+ catchup) (for more info read this: https://www.bogleheads.org/wiki/Prioritizing_investments) You should also work on deciding your asset allocation: https://www.bogleheads.or...
by emlowe
Sun Mar 03, 2019 5:53 pm
Forum: Personal Investments
Topic: simplifying my financial life -- should i get rid of treasury direct?
Replies: 72
Views: 8695

Re: simplifying my financial life -- should i get rid of treasury direct?

That plastic card didn't last long though - you don't need it anymore. That was ditched in 2011 from what I can tell. I wish they would ditch the dumb web keyboard thing - it's easily overridden by using some simple scripts, and offers no additional security that I can think of. If they introduced 2...
by emlowe
Sun Mar 03, 2019 5:47 pm
Forum: Personal Investments
Topic: Request for Portfolio Review and Financial Planning Guidance - March 2019
Replies: 18
Views: 1273

Re: Request for Portfolio Review and Financial Planning Guidance - March 2019

For cash/emergency fund, it's pretty hard to beat VMMXX Vanguard Prime Money Market. The Fidelity money market funds tend to pay less - although Fidelity does have some other features for cash management (checks, billpay, atm, etc). Fidelity does have a handy auto-roll feature for Treasuries, so you...
by emlowe
Sun Mar 03, 2019 5:03 pm
Forum: Personal Investments
Topic: Initial Portfolio Assessment - So Very Excited
Replies: 13
Views: 1790

Re: Initial Portfolio Assessment - So Very Excited

There doesn't seem to me to be any reason to switch from your iShares ETFs to Vanguard. Both IEF (iShares 7-10 Year Treasury Bond ETF: ER 0.15) and TLT (iShares 20+ Year Treasury Bond ETF: ER 0.15) are relatively inexpensive and do what you want. However, (1) holding these (or Vanguard) in a taxable...
by emlowe
Sun Mar 03, 2019 4:45 pm
Forum: Personal Investments
Topic: simplifying my financial life -- should i get rid of treasury direct?
Replies: 72
Views: 8695

Re: simplifying my financial life -- should i get rid of treasury direct?

Did you mean you had E bonds, or EE bonds? E bonds stopped paying interest a long time ago (I think in 2010). They were last sold in 1980. EE bonds pay very little annually (pretty close to zero recently) - however, they are guaranteed to double after 20 years. So basically at year 20, they suddenly...
by emlowe
Sun Mar 03, 2019 2:30 pm
Forum: Personal Investments
Topic: Introducing Bonds to Portfolio
Replies: 1
Views: 273

Re: Introducing Bonds to Portfolio

The TSP 'G' Fund is widely considered here to be about the best fixed income investment around.

So you would probably switch to putting some money into G

Here is a good thread on F vs G: viewtopic.php?t=238418
by emlowe
Sun Mar 03, 2019 11:26 am
Forum: Personal Investments
Topic: Moving Emergency Fund from I Bonds at Treasury Direct to something at Vanguard?
Replies: 21
Views: 2525

Re: Moving Emergency Fund from I Bonds at Treasury Direct to something at Vanguard?

Keep in mind that after you sell and put money into VMMXX, that fund will throw off regular taxable interest. If you want non-taxable interest, there are other money markets to look at that use muni's to avoid taxes. Good point, I hadn’t thought of that. But Vanguard says: Am I in one of the higher...
by emlowe
Sat Mar 02, 2019 11:39 pm
Forum: Personal Investments
Topic: Moving Emergency Fund from I Bonds at Treasury Direct to something at Vanguard?
Replies: 21
Views: 2525

Re: Moving Emergency Fund from I Bonds at Treasury Direct to something at Vanguard?

Keep in mind that after you sell and put money into VMMXX, that fund will throw off regular taxable interest.

If you want non-taxable interest, there are other money markets to look at that use muni's to avoid taxes.
by emlowe
Sat Mar 02, 2019 11:35 pm
Forum: Personal Investments
Topic: Lots of cash .. Scared to put it to work now
Replies: 207
Views: 18929

Re: Lots of cash .. Scared to put it to work now

I'd look at VTMFX Vanguard Tax-Managed Balanced.
by emlowe
Sat Mar 02, 2019 11:15 pm
Forum: Personal Investments
Topic: Moving Emergency Fund from I Bonds at Treasury Direct to something at Vanguard?
Replies: 21
Views: 2525

Re: Moving Emergency Fund from I Bonds at Treasury Direct to something at Vanguard?

You will not get something better than VMMXX Prime Money Markey - 7-day yield is currently %2.46 (as of 3/1/19)

Unless you want to put it in BND as part of your bond allocation portfolio
by emlowe
Fri Mar 01, 2019 3:54 pm
Forum: Personal Investments
Topic: Fidelity Core Position
Replies: 26
Views: 4260

Re: Fidelity Core Position

Fidelity Core Position - 2 options available are - 1. FDIC-Insured Deposit Sweep - Current option - .37% APY 2. SPAXX - FIDELITY GOVERNMENT MONEY MARKET - Yield 2.05% I am thinking of switching to option 2. Any reason to stick with option 1? Why doesn't fidelity automatically pick option 2? You sho...
by emlowe
Fri Mar 01, 2019 3:35 pm
Forum: Personal Investments
Topic: Need a Second Look from BH group--T-bill question
Replies: 7
Views: 879

Re: Need a Second Look from BH group--T-bill question

I think you can direct that all the proceeds (interests and returns of principal) to remain in your treasurydirect account as a “C of I”. Not true that they have to be deposited on your linked bank account. True, if you use Treasury Direct to purchase T-Bills. I would use a brokerage like Fidelity,...