Search found 20 matches

by hap_ca
Sat Dec 08, 2018 6:07 pm
Forum: Investing - Help with Personal Investments
Topic: Which fund for 2nd tier EF?
Replies: 6
Views: 485

Re: Which fund for 2nd tier EF?

Why a fund at all? Mine is US Savings bonds I've been considering I-Bonds as well, but I don't really want to deal with Treasury Direct if I can get something similar from Vanguard or Fidelity. Since I also have a Fidelity account I could do autoroll treasuries. I'd go with VBIRX. It does look pret...
by hap_ca
Sat Dec 08, 2018 5:38 pm
Forum: Investing - Help with Personal Investments
Topic: Which fund for 2nd tier EF?
Replies: 6
Views: 485

Which fund for 2nd tier EF?

I'm seeking advice on what funds I should hold for a 2nd tier emergency fund. I am in California and expect to be in the 35% Federal bracket and 10.3% state bracket next year. I'm not a homeowner and do not itemize. For the 1st tier of emergency funds I plan to hold around 3 months in CA muni market...
by hap_ca
Sat Dec 08, 2018 1:55 am
Forum: Investing - Theory, News & General
Topic: What is your allocation to U.S. and International?
Replies: 119
Views: 7028

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

I think I'm one of the rare Bogleheads here that have a 50/50 split in US/Ex-US. I'll admit the gap in returns for the past 10 years has been pretty painful and I've started to question in recent years whether International will ever make up the deficit.
by hap_ca
Sat Dec 08, 2018 1:36 am
Forum: Investing - Help with Personal Investments
Topic: I’m getting frustrated FTIHX
Replies: 19
Views: 2302

Re: I’m getting frustrated FTIHX

Some of us have been feeling the pain of international investment for 10+ years :D
by hap_ca
Tue Nov 20, 2018 2:32 pm
Forum: Investing - Help with Personal Investments
Topic: Bear Check-Up
Replies: 15
Views: 2112

Re: Bear Check-Up

The Blackrock fund returned -7.86% in the past 5 years. Vanguard target retirement 2050 is up 25.99% in the same period. Dump the black rock fund
by hap_ca
Tue Nov 20, 2018 2:27 pm
Forum: Investing - Help with Personal Investments
Topic: Bear Check-Up
Replies: 15
Views: 2112

Re: Bear Check-Up

That black rock fund looks actively managed? I’d get out of that and shift the 403b to a blend of VFIAX and VIMAX to mirror VTSAX as closely as possible. Roth can go 100% in vanguard total international since the 403 has no good options. It already holds small caps so I’d just get rid of the other t...
by hap_ca
Fri Nov 09, 2018 2:57 pm
Forum: Personal Finance (Not Investing)
Topic: Ally Banking 1% extra back up to $1,000 on new money deposited
Replies: 493
Views: 49453

Re: Ally Banking 1% extra back up to $1,000 on new money deposited

I split my cash into multiple no penalty CDs and was hit with an excessive transaction fee today so keep that in mind. I originally deposited cash into the online savings account, opened the CDs and funded it through the savings. Today I broke the CDs and deposited back to savings, and finally creat...
by hap_ca
Fri Oct 26, 2018 9:41 pm
Forum: Investing - Theory, News & General
Topic: Larry Swedroe: Why International Diversification Works
Replies: 119
Views: 9518

Re: Larry Swedroe: Why International Diversification Works

I hold a 50/50 split but I've been questioning that ratio lately. It's not primarily because of the US outperforming so heavily but because I see a trend of foreign companies choosing to IPO on US markets over their own country's markets. Spotify, a Swedish company, IPOd on US markets instead of Eur...
by hap_ca
Wed Oct 17, 2018 10:14 am
Forum: Personal Finance (Not Investing)
Topic: Ally Banking 1% extra back up to $1,000 on new money deposited
Replies: 493
Views: 49453

Re: Ally Banking 1% extra back up to $1,000 on new money deposited

I signed up for this as a new customer of ally. 1) The terms said deposit by 10/31 and NOT 11/5. Where do you see the 11/5 date? 2) I just confirmed the micro deposits on Vanguard but Vanguards website said it will take an additional 7-10 BUSINESS days. That might be too long if the 10/31 date is th...
by hap_ca
Mon Aug 06, 2018 10:39 pm
Forum: Investing - Theory, News & General
Topic: "Age in Bonds" fails almost everyone
Replies: 217
Views: 14552

Re: "Age in Bonds" fails almost everyone

Also for what it's worth the 10 year return for Vanguard Total Bond Market Index Fund Admiral Shares (VBTLX) is higher than Vanguard FTSE All-World ex-US Index Fund Investor Shares (VFWIX)
by hap_ca
Mon Aug 06, 2018 10:18 pm
Forum: Investing - Theory, News & General
Topic: "Age in Bonds" fails almost everyone
Replies: 217
Views: 14552

Re: "Age in Bonds" fails almost everyone

Is there data available on what glide paths looked like shortly after the 2011 market crash? Have glide paths stayed pretty much the same or have they become more aggressive during the recent long bull market? It seems like the composition of target retirement funds do change, I think international ...
by hap_ca
Mon Aug 06, 2018 9:26 pm
Forum: Investing - Theory, News & General
Topic: "Age in Bonds" fails almost everyone
Replies: 217
Views: 14552

Re: "Age in Bonds" fails almost everyone

I remember during the Great Recession that there were debates on these forums about whether to hold equities at all. Many leading experts said equity returns were forecasted to be 3% or less and holding bonds would give better returns on a risk adjusted basis.

How times have changed.
by hap_ca
Tue Jun 19, 2018 11:37 am
Forum: Investing - Theory, News & General
Topic: Very confused with the current market
Replies: 112
Views: 13197

Re: Very confused with the current market

There's a lot of psychology here. It's easy to say ride it out when your portfolio is mostly from regular monthly/quarterly contributions over the years. But if we ignore tax consequences (e.g. tax deferred accounts), not selling is the same decision as buying. Hence if we flip the scenario around ...
by hap_ca
Sun Jun 17, 2018 10:08 pm
Forum: Investing - Help with Personal Investments
Topic: Making taxable account more tax efficient
Replies: 16
Views: 2607

Re: Making taxable account more tax efficient

^ If a fund has more than 50% federal debt, you can deduct a portion from your state return (for example, Vanguard Federal Money Market return). You'd still pay federal income tax on it. In order to deduct a tax-exempt fund's dividends from your state income tax, the fund will have to have more tha...
by hap_ca
Sun Jun 17, 2018 8:49 pm
Forum: Investing - Help with Personal Investments
Topic: Making taxable account more tax efficient
Replies: 16
Views: 2607

Re: Making taxable account more tax efficient

If I don't, then someone else will point out that if your taxable account is at least twice the size of your necessary EF, you could hold that in the form of stock funds as well; then if you need to draw on the EF, exchange an equal or equal(tax-adjusted) amount of bonds for stocks in a tax advanta...
by hap_ca
Sun Jun 17, 2018 4:30 pm
Forum: Investing - Help with Personal Investments
Topic: Making taxable account more tax efficient
Replies: 16
Views: 2607

Re: Making taxable account more tax efficient

I bought into VMLUX because it was under the tax exempt category for Vanguard and it has no federal taxes due and is partially tax exempt for state based on the percentage of CA bonds it holds. What taxes are due for VSBSX? Is it exempt from state taxes but I have to pay federal? Exactly. Actually ...
by hap_ca
Sun Jun 17, 2018 1:24 am
Forum: Investing - Help with Personal Investments
Topic: Making taxable account more tax efficient
Replies: 16
Views: 2607

Re: Making taxable account more tax efficient

If I don't, then someone else will point out that if your taxable account is at least twice the size of your necessary EF, you could hold that in the form of stock funds as well; then if you need to draw on the EF, exchange an equal or equal(tax-adjusted) amount of bonds for stocks in a tax advanta...
by hap_ca
Sat Jun 16, 2018 6:37 pm
Forum: Investing - Help with Personal Investments
Topic: Making taxable account more tax efficient
Replies: 16
Views: 2607

Re: Making taxable account more tax efficient

I also currently have an unrealized loss of around $1,800 on my short term bond index. If I sell it can I deduct it against my dividends this year? I'm not planning on selling any stock for gains and I use standard deduction. Better than that (since most of the stock fund dividends will be qualifie...
by hap_ca
Sat Jun 16, 2018 1:53 pm
Forum: Investing - Help with Personal Investments
Topic: Making taxable account more tax efficient
Replies: 16
Views: 2607

Making taxable account more tax efficient

I currently hold in my taxable account: CA Intermediate Term Muni (VCADX) Short Term Bond Index (VBIRX) Total Stock Market Index (VTSAX) FTSE All World Ex US (VFWAX) Limited Term Tax Exempt (VMLUX) Tax bracket: State 9.3%, Federal 24%. 401k, Roth maxed yearly. I started with the first 4 funds with a...
by hap_ca
Sat Jun 09, 2018 4:00 pm
Forum: Investing - Help with Personal Investments
Topic: Need help with cost basis - SpecID on old holdings
Replies: 0
Views: 162

Need help with cost basis - SpecID on old holdings

I started investing with Vanguard over 15 years ago when I was a poor student and made small monthly contributions and reinvested dividends into VTSMX in a taxable account. I haven't sold any shares since I started investing (always re-balanced with new money) and as a result I've never picked a cos...