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milosz19

I suppose the title is self explanatory. I am not seriously considering it, but I just saw that PG&E stock went down by almost 30% on Thursday. Anyone would like to weigh in here?

milosz19

Hello Everyone, My partner is employed at a company and contributes to a 401K. At the same time, she is freelancing and is starting to make more and more money as a result. As such, she is concerned with taxes (both income taxes) and social security taxes that she may or may not have to pay (we are ...

milosz19

Thank you for all of your answers. Much appreciated.

milosz19

Is that really the case? I had not Idea. Are the maximums the same?

milosz19

Hello,

My wife and I and maxing Roth every year and we contribute 5% of our income into a 403b account. Should we do a backdoor Roth instead of 403b contributions? If so, why? What is the simplest way of doing so (simple IRA and conversion)? Thank you.

milosz19

Great question. Please someone, answer it. Since dividends constitute passive income, you might be able to do so, but I am not entirely sure. I know you can deduct rental losses from active income if your MAGI is <150k. Once again, great question. I will look it up - too much wine at the moment (vac...

milosz19

The reason I would sell is to not have to deal with 6 rental properties- tenants, finding them, maintenance, repairs, taxes- which in TX are huge, payments and problems if the houses need repairs or are empty- basically all the details of homeownership that I am willing to deal with to have someone ...

milosz19

So, this is a question about what is the best way in which to build wealth with real estate in our situation. My husband and I have three rental homes. We bought them with 15-year mortgages. They will be paid off in 9, 10, and 11 years, respectively. There are three options that we are considering a...

milosz19

As a honda owner, I say - go with Toyota ('honda' was not capitalized on purpose)

milosz19

Well, not always. I must say - I was not aware of the 32 year-long under-performance.

milosz19

Yes, I meant underperforming large-cap.

milosz19

I am heavily invested in IJR and it has been under-performing during the last several months. Any ideas as to why?

milosz19

Online PhDs are a joke - no offense anyone. As someone with a PhD working with many other PhDs, I can tell you that no one takes these seriously. Someone with an online PhD would certainly not get a job in any serious academic or research setting. They are issued almost exclusively by diploma mills....

milosz19

Other than bogleheads preference for Vanguard, what makes VIG better ?

milosz19

Hello Bogleheads,

I I am shopping for a good Dividend Growth ETF. I am currently leaning toward DGRO (iShares Core Dividend Growth). I would like to use this as a part of my portfolio core.

What do you think about this ETF? Anything better out there ?

Thank you for your feedback.

milosz19

Well, the rentals made me far more than the market - because it is leveraged money. Not even close.

milosz19

Yes, at this point I own 2 rentals and a primary residence. The properties are in TX and the market is fairly stable - there are no massive booms and busts as in other parts of the country. The properties were purchased after the post-Great Recession recovery was underway, so I do not think that the...

milosz19

I would rather go with 15 year mortgage. The prospect of being done with mortgages in a little over a decade is just too attractive for me. On a different note, what prompts me to try to move sooner is the low interest rates. All of our houses feature a rock-bottom rates. I would love to buy another...

milosz19

That would be about 20%. But we have secure jobs (tenured professors), and expect state pensions. We have been in school forever and are in our mid 30s now.

milosz19

Hello Bogleheads and Happy Holidays, Here is something I have been contemplating lately: Normally, I would never take money out of any retirement vehicles, but ... my wife and I are planing to purchase a house in the next 2-3 years and getting about 30K out of Roth would enable us to do so earlier, ...

milosz19

Hello Everyone,

I am thinking of investing in an equity ETF to supplement, and hopefully boost returns, of my core holdings - voo (S&P 500). What are your favorite ETFs that fit that bill? (I was thinking of

Thank you for your feedback.

milosz19

I just finished speaking with a mutual fund expert at TDA. I was told that neither PVOXX nor PCOXX feature a holding period. So technically, you can sell shares after owning them for just a day. PVOXX is slightly better as it is typically not available for individual investors.

milosz19

Yes, I was completely fine this December. I fact I purchased more on the 24th :). And, yes TRP stands for T. Rowe Price. I think I might add some bonds later on on my life. At this point, I have been thinking about whether or not to have international exposure, which I find difficult to justify. Whi...

milosz19

Dear Bogleheads, Could you please take a look at the following portfolio and give me some feedback. I have read all Bogleheads books and am fully aware of the Bogleheads investing philosophy. As you can see, my portfolio diverges considerably and is significantly more aggressive. Vanguard S&P500 – 2...

milosz19

Hello Everyone, I have been reading Money & Kiplinger magazines, plus the reports that T. Rowe Price sends me periodically and one thing that they have in common is a conviction that this is a particularity good time to invest in emerging markets. I have been burned by emerging markets in the past, ...

milosz19

I have two rentals in the Houston area in this price range. The cash flow you mentioned is quite suspicious. I manage the rentals myself and I can fix many things myself, which saved me thousands of dollars over the yeas. I purchased my properties when they were 25% cheaper than they are today and I...

milosz19

Is there a free online tool that I can use to create meaningful comparisons of ETFs and mutual funds? Which one do you recommend?

milosz19

Perhaps I am splitting hair here, but.... Bogleheads have long advocated Vanguard Total International Index fund as, perhaps, the best international index fund/ETF. Recently, I decided to simplify my portfolio and let such total index ETF be my only international fund. When looking at options, I not...

milosz19

Thank you. I really appreciate your help.

milosz19

Apologies. T. Rowe Price Health Sciences Fund (PRHSX) https://www3.troweprice.com/fb2/fbkweb/snapshot.do?cusip=741480107 Vanguard Health Care ETF (VHT) https://investor.vanguard.com/etf/profile/VHT As I said, I appreciate your feedback. I am trying to learn from people who are more experienced than ...

milosz19

Hello Bogleheads,

I am trying to choose between PRHSX and VHT. Which strikes you as a better choice? Any suggestions are appreciated.

milosz19

Are there any T. Rowe Price bond funds you can recommend?

milosz19

Hello, Several weeks ago, I was reading this forum and contributors suggested that investing in bonds is particularity attractive these days. If you agree with this statement, can you please tell me why? I always thought that bonds don't do well in a rising rate environment. Thank you and Happy New ...

milosz19

I am 36, I have other investments, both equities and real estate, but I do not own any bonds.

milosz19

Hello Bogleheads and Marry Christmas, I have been sitting on 40K of cash in my Roth because I temporarily needed to rely on it in case on an emergency. I no longer have need it for that and I would like to invest. I have two questions: 1) Given what the market is doing, would you wait a bit more or ...

milosz19

I do have an asset allocation that I am trying to maintain. In fact, my next purchases were going to be both IJR and VXUS because I should boost those categories to got to the desired asset allocation. I wanted to re-balance by buying additional shares as opposed to trading. Are you saying that you ...

milosz19

Hello Boglehead, About 5 or 6 months ago I purchased shares of IJR and shares of VXUS. Since then, IJR is about 17% in the red whereas VXUS held steady. Both are good funds and I would like to keep them in my portfolio. However, I am contemplating selling some VXUS in order to purchase IJR as it app...

milosz19

Yes, managed funds. Of course there are no guarantees, but some of their funds did perform better than the market (for example, Blue Chip Growth).

milosz19

Hello, I have Roth IRA at TRP and TD Ameritrade. A few years ago I stopped contributing to TRP and funded TD Ameritrade where most of my money is in ETFs with rock-bottom costs such as VOO,IXUS, and IJR. TRP gives me access to some quality funds and I have absolutely nothing bad to say about TRP. Ye...

milosz19

I see that two respondents emphasized small-cap stocks for their international equities. What are the reasons here?

milosz19

Hello everyone, Could you please share what percentage of your portfolio do small cap stocks represent? What should a younger aggressive investor aim for? Several years ago morningstar had an article that argued that keeping 50% in large-cap and 50% in mid-small-cap stocks increases returns, while k...

milosz19

Hello Everyone, A part of my portfolio is currently invested through T. Rowe Price. Some of their funds like Blue Chip Growth or New Horizons performed really well for me. I was just looking at their portfolio in search of quality funds - two drew my attention: 1) Communications & Tech (PRMTX) 2) Gl...

milosz19

Hello everyone, I am in the process of simplifying my portfolio and, given Bogleheads' recommendations, would like to use one fund for my international exposure. What is your ETF of choice that serves that purpose? Vanguard's VXUS seems like an obvious choice, but iShares IXUS appears very attractiv...

milosz19

[Thread merged into here, see below. --admin LadyGeek] I am in the process of simplifying my portfolio. At this point 80% of it is US equity divided evenly between large and small cap. The remaining 20% is currently in developed market stocks (IEFA). Should a younger aggressive investor own emergin...

milosz19

Lately, I have been thinking of investing a part of my portfolio (10-15%) in a mulual fund that holds stocks with a history of increasing dividends (Dividend Growth by T. Rowe to be specific). My thinking is that these stocks are somewhat less volatile and the fund has lesser emphasis on tech as com...

milosz19

Thank you, I really appreciate your feedback.

milosz19

I have been reading this forum for quite some time, paying attention to people's views on asset allocation, investment strategies etc. It seems to me that most Bogleheads dislike sectors. While I see why you should not put a big chunk of your money into a specific sector, I do not quite see why a pe...

milosz19

Do Bogleheads advocate that people who hold some bonds to take that some of that money during bear markets and put it in stock funds?

milosz19

Hello Bogleheads, I consider myself an aggressive investor. Stocks constitute 100% of my portfolio. About 15% is in developed markets, and the rest is divided between large and -small cap - everything at rock-bottom prices. I have recently read "Bogleheads Guide to Investing" and I am currently read...

milosz19

Can someone explain to me what makes IJR so special? It happens to be on the Money 50 and Kiplinger 20 lists. What makes it better than VB or VTWO?

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