Search found 12 matches

by stevedc
Fri Jul 06, 2018 10:38 pm
Forum: Personal Investments
Topic: Tech tilt as hedge against rising cost of living in Bay Area
Replies: 37
Views: 3310

Re: Tech tilt as hedge against rising cost of living in Bay Area

I lived in Palo Alto for a year and I can definitely sympathize with the cost of living agony in SV and the greater Bay Area. However, maybe first look at the mechanics of whether a tech tilt would actually help with COL issues. It sounds good in theory, but look at the practical aspects. First, whe...
by stevedc
Wed Jul 04, 2018 11:48 am
Forum: Investing - Theory, News & General
Topic: Market cap-weighted Index - not diversified?
Replies: 14
Views: 1222

Market cap-weighted Index - not diversified?

Relatively new to the group and been reading a lot here, on the BH wiki and elsewhere. (We are still refining our IPS, especially with regard to international holdings.) But I’ve been coming across some articles in the financial “press” that claim holding market cap-weighted index funds leaves one’s...
by stevedc
Sat Jun 30, 2018 10:48 pm
Forum: Personal Investments
Topic: What % of your equity is int’l?
Replies: 141
Views: 9556

Re: What % of your equity is int’l?

Why are you asking? We are working on our IPS with a three fund portfolio and determining the AA that’s best for us. In doing our background research I’ve seen everything from 0-50% for intl as percentage of equity and just wanted to benchmark the group. The reasons for holding a specific percentag...
by stevedc
Sat Jun 30, 2018 10:21 pm
Forum: Personal Investments
Topic: What % of your equity is int’l?
Replies: 141
Views: 9556

What % of your equity is int’l?

Informal survey - for US folks, how much of your equity holdings do you target to intl (ex-US)?
by stevedc
Fri Jun 29, 2018 5:06 pm
Forum: Personal Investments
Topic: Investing small amounts
Replies: 30
Views: 2577

Re: Investing small amounts

Right the heart of the issue is how do I take an about $500 a month surplus now and best use it for the next about one year, for when I expect to be in a monthly deficit? Is it better to invest the monthly amount and hope it grows to draw from during those deficits. You've gotten some good advice i...
by stevedc
Fri Jun 29, 2018 2:53 pm
Forum: Personal Investments
Topic: Investing small amounts
Replies: 30
Views: 2577

Re: Investing small amounts

I think what folks are latching on to is the fact that you expect to have cash shortfalls for a year and that seemed to be a big part of your reason for posting the question in the first place. Your solar panel/roof project indeed sounds NPV positive and makes made financial sense in a vacuum. But t...
by stevedc
Wed Jun 27, 2018 5:50 pm
Forum: Personal Investments
Topic: Investing small amounts
Replies: 30
Views: 2577

Re: Investing small amounts

some thoughts in no particular order, some of which you may have thought of already: - only stop contributing to the 401k as an absolute last resort. - why not cover the 12 month shortfall with a combo of your emergency fund and some serious belt tightening? after all, if you would otherwise borrow ...
by stevedc
Tue Jun 26, 2018 10:17 pm
Forum: Personal Investments
Topic: VTI vs VOO for Roth and Taxable w/ TLH
Replies: 5
Views: 603

Re: VTI vs VOO for Roth and Taxable w/ TLH

OP here - thanks to all for the insights that this can largely be handled with purchase timing and dividend reinvestment settings. Simplifies it quite a lot.
by stevedc
Tue Jun 26, 2018 9:34 pm
Forum: Personal Investments
Topic: VTI vs VOO for Roth and Taxable w/ TLH
Replies: 5
Views: 603

VTI vs VOO for Roth and Taxable w/ TLH

In my mid-40s, currently in high tax bracket, and setting up Roth and Taxable brokerage accounts for long-term retirement (to supplement existing maxed-out employer sponsored plan). Quick question about the use of VTI/VTSAX vs VOO/VFIAX for these accounts. I'm planning to do tax loss harvesting in t...
by stevedc
Sun Jun 24, 2018 2:49 pm
Forum: Personal Investments
Topic: Taxable account setup
Replies: 6
Views: 732

Re: Taxable account setup

OP here... as we are currently in pretty high tax bracket, are we missing a trick by not using ibonds at Treasury Direct for 1-3yr savings?
by stevedc
Sun Jun 24, 2018 9:15 am
Forum: Personal Investments
Topic: Taxable account setup
Replies: 6
Views: 732

Re: Taxable account setup

OP here, just to clarify, the MM/CD/Treasury investments would only be for the renovation money we need in two years. Everything else would be index fund invested in appropriate equity/bond mix.
by stevedc
Sun Jun 24, 2018 12:19 am
Forum: Personal Investments
Topic: Taxable account setup
Replies: 6
Views: 732

Taxable account setup

Here's our general scenario: - 44 and 48 y/o - Overall net worth of 1.2m - Combined household income: 320K gross - Live in DC - Myself and spouse max out annual federal TSP contributions - Contributing 5.5K each to Roth via annual non-deductible tIRA to Roth conversion. (don't hold any other tIRA as...