Search found 95 matches

by Wyodoc
Sun Nov 24, 2019 8:11 pm
Forum: Personal Investments
Topic: Which funds do YOU have in your taxable account?
Replies: 81
Views: 6614

Re: Which funds do YOU have in your taxable account?

VTI/NTSX
IJR
VFMO/MTUM
VIGI
SCZ/ISCF

I keep all my EM in Tax advantaged given least tax efficient by far.
by Wyodoc
Sun Nov 24, 2019 7:33 pm
Forum: Personal Finance (Not Investing)
Topic: Third party opinion on Tesla Model 3 purchase or lease
Replies: 33
Views: 2176

Re: Third party opinion on Tesla Model 3 purchase or lease

Your income and savings for your age are great.
I would buy the car in cash or get a used one, no loans.
Enjoy the ride.
by Wyodoc
Sun Nov 17, 2019 4:04 pm
Forum: Investing - Theory, News & General
Topic: Not a bad choice for your EM equity exposure (EYLD)
Replies: 26
Views: 2139

Re: Not a bad choice for your EM equity exposure (EYLD)

I'm not a fan of Meb Faber, Apparently this thread was brought to his attention on Twitter. Especially the first sentence... He posted this- “The Bogleheads hate me for some reason. Which is odd considering I manage the lowest cost World Allocation ETF. Even worse, it’s the lowest cost AND it’s an ...
by Wyodoc
Sun Nov 17, 2019 11:40 am
Forum: Investing - Theory, News & General
Topic: Not a bad choice for your EM equity exposure (EYLD)
Replies: 26
Views: 2139

Re: Not a bad choice for your EM equity exposure (EYLD)

I have also been picking up EYLD in my R-IRA over last 6 months. I think some active management in EM makes sense. My other EM is through 401k with ODMAX (Invesco Oppenheimer Developing markets) with a low ER of 1.1% :oops: However, it has outperformed VEMAX by about 3% since I’ve held it as well si...
by Wyodoc
Sun Nov 17, 2019 11:03 am
Forum: Personal Consumer Issues
Topic: Disney plus streaming deal
Replies: 56
Views: 6641

Re: Disney plus streaming deal

So far loving it for the kids. They don’t watch much tv but for the rare occasions appears to have great content. Especially the 5yo who just got into Star Wars. If you already have Hulu without commercials (which we had already) you can sign up on Disney+ using your Hulu email address for the bundl...
by Wyodoc
Sat Nov 09, 2019 1:11 pm
Forum: Personal Finance (Not Investing)
Topic: Bank of America no local branch?
Replies: 14
Views: 804

Re: Bank of America no local branch?

Thanks for the replies.
Sounds like minus cash deposits really not much utility for even using a local branch.

Yes, I know the website states wire transfers online but wasn't sure if there was a step involving a local branch or some other "gotcha". Thanks for clearing that up.
by Wyodoc
Sat Nov 09, 2019 12:59 pm
Forum: Personal Finance (Not Investing)
Topic: Bank of America no local branch?
Replies: 14
Views: 804

Re: Bank of America no local branch?

RickBoglehead wrote:
Sat Nov 09, 2019 12:49 pm
I can wire transfer all day long without leaving my house. Ally, Capital One, ...
Interesting, thanks. I’ll check them out but not sure I can get the same benefits for credit cards I’m looking for with BoA. Does anyone know if you can wire transfer from BoA without going to a branch?
by Wyodoc
Sat Nov 09, 2019 12:47 pm
Forum: Personal Finance (Not Investing)
Topic: Bank of America no local branch?
Replies: 14
Views: 804

Bank of America no local branch?

Does anyone use BoA for the credit card perks/banking perks but are not close to a branch? I'm about 30-40 minutes from closest branch (live outside major city) but am interested in moving some money to merrill edge/BoA for platinum rewards for the credit cards and possibly banking/loans in future. ...
by Wyodoc
Sat Nov 09, 2019 12:25 pm
Forum: Personal Finance (Not Investing)
Topic: Tale of 2 doctor job opportunities
Replies: 41
Views: 3766

Re: Tale of 2 doctor job opportunities

HEDGEFUNDIE wrote:
Sat Nov 09, 2019 12:08 pm
20 patients a day is asking for burnout.
This is probably about a patient every 25-35 minutes depending on daily hrs and honestly not that much for a full day for many docs.... wish things were different.
by Wyodoc
Sat Nov 09, 2019 12:12 pm
Forum: Personal Finance (Not Investing)
Topic: Tale of 2 doctor job opportunities
Replies: 41
Views: 3766

Re: Tale of 2 doctor job opportunities

Was in a similar situation a few yrs ago. I personally chose private practice route and am very happy. I am now a partner, have say about decisions in the group, better income than hospital system comps but I suspect I work harder (but don't mind as it increases my income). Certainly working for a h...
by Wyodoc
Fri Nov 08, 2019 6:32 pm
Forum: Investing - Theory, News & General
Topic: (NEW) WisdomTree 90/60 U.S. Balanced Fund
Replies: 341
Views: 37715

Re: (NEW) WisdomTree 90/60 U.S. Balanced Fund

On JPM YouInvest I was not able to submit an online buy order for 1500 NTSX as it exceeded the avg daily volume. We can't place your order. Order size exceeds Average Daily Volume - please contact us for assistance (R01767A) Earlier in the week I was able to submit a limit order to buy 500 NTSX and...
by Wyodoc
Sun Oct 20, 2019 3:56 pm
Forum: Personal Investments
Topic: Factor Portfolio Check
Replies: 30
Views: 2243

Re: Factor Portfolio Check

Seems ok but I noticed no bonds or where the funds will be placed. You will get better advice and some more replies if you edit the post to include more info (see how in “asking portfolio questions” at the top of page).
by Wyodoc
Sun Oct 20, 2019 12:50 pm
Forum: Personal Finance (Not Investing)
Topic: Landlord Question
Replies: 16
Views: 2280

Re: Landlord Question

[quote=ralph124cf post_id=4800724 time=<a href="tel:1571541635">1571541635</a> user_id=52711] A good tenant is golden. I typically do not raise rents for good tenants. The frictional costs of finding a good new tenant are usually at least one months vacancy plus redecorating costs such as paint and...
by Wyodoc
Sat Oct 19, 2019 9:55 am
Forum: Personal Finance (Not Investing)
Topic: Financing house + construction?
Replies: 3
Views: 449

Re: Financing house + construction?

For those without the resources to pay 200k cash for the construction project, then there's no alternative but to finance it. There are a variety of ways to do this depending on one's financial situation. Suggestions might fit "you" better if you provide a little more information by editing your or...
by Wyodoc
Sat Oct 19, 2019 8:30 am
Forum: Personal Finance (Not Investing)
Topic: Financing house + construction?
Replies: 3
Views: 449

Financing house + construction?

We are looking into purchasing a house for about 500k and would need to complete an addition + kitchen/bathroom renovations which would likely be in ballpark of 150-200k range. Our budget is 800k so we’ve decided to purchase on lower end and complete updates/construction. I would likely put 20% down...
by Wyodoc
Sun Oct 06, 2019 7:24 pm
Forum: Personal Investments
Topic: International total market index in Taxable?
Replies: 3
Views: 888

Re: International total market index in Taxable?

If you’re in highest tax bracket I would not hold VSS in a taxable account. It’s quite tax inefficient. Would consider alternative small cap intl or hold in tax advantaged account.
by Wyodoc
Thu Oct 03, 2019 8:21 pm
Forum: Personal Investments
Topic: Opportunity Zone REIT
Replies: 12
Views: 1023

Re: Opportunity Zone REIT

Opportunity Zones are relatively new but the tax advantages for large gains are undeniable. If you have a large gain and invest it in an OZ you will owe no taxes until 2026. At that time, you will also get 15% step down from the previous tax burden. Plus, gains from the investment are tax free if in...
by Wyodoc
Thu Oct 03, 2019 2:49 pm
Forum: Investing - Theory, News & General
Topic: If you use Vanguard (Brokerage), why do you stay?
Replies: 58
Views: 6815

Re: If you use Vanguard (Brokerage), why do you stay?

Today I was unable to view my cost basis for my funds so could not tax loss harvest. Called Vanguard and they said it was a known issue site wide. Still not fixed at 350pm. Starting to wonder why I still use Vanguard... :oops:
by Wyodoc
Sun Sep 29, 2019 8:18 am
Forum: Investing - Theory, News & General
Topic: Ken Fisher wants you to know that he cares...
Replies: 49
Views: 4689

Re: Ken Fisher wants you to know that he cares...

I would never use Fisher Investments and agree there a MUCH better models for financial advice. I would also never knock his business model. He has 114B in AUM. The man knows how to advertise and get clients. No need to hate, enjoy this beautiful Sunday :D
by Wyodoc
Sat Sep 28, 2019 6:41 am
Forum: Investing - Theory, News & General
Topic: How much cash do you keep in your HSA?
Replies: 63
Views: 4944

Re: How much cash do you keep in your HSA?

I keep the minimum that HealthEquity requires which unfortunately is 2000. If I could, would invest it all. To me, makes more sense to let this compound and grow and not spend now. There will always be health expenses in the future. I’m not worried about this money going to waste. I’m mid 30s though...
by Wyodoc
Wed Sep 18, 2019 8:58 am
Forum: Personal Finance (Not Investing)
Topic: Liability vs step-up cost basis
Replies: 7
Views: 394

Re: Liability vs step-up cost basis

Do you have reason to believe you'll die before your spouse? If not, then it seems you're giving up the certainty of liability protection for the wager that you predecease your spouse. No, there is no strong reason other than statistically woman have a longer life expectancy and I'm already 5yrs ol...
by Wyodoc
Wed Sep 18, 2019 8:35 am
Forum: Personal Finance (Not Investing)
Topic: Liability vs step-up cost basis
Replies: 7
Views: 394

Re: Liability vs step-up cost basis

Thank you for the posts. I'm actually in PA but am already planning to meet with an attorney. Will throw out an update once everything is through. I will say the vanguard rep sounded quite confident about keeping the account solo.
by Wyodoc
Wed Sep 18, 2019 5:56 am
Forum: Personal Finance (Not Investing)
Topic: Liability vs step-up cost basis
Replies: 7
Views: 394

Liability vs step-up cost basis

I’ve recently been working on estate planning with my spouse and I’ve been hearing arguments about joint vs solo taxable brokerage accounts. I’m a physician and carry a slightly higher risk of liability than the general population and have been told in the past to make my taxable account “joint” to ...
by Wyodoc
Tue Sep 17, 2019 12:01 pm
Forum: Investing - Theory, News & General
Topic: (NEW) WisdomTree 90/60 U.S. Balanced Fund
Replies: 341
Views: 37715

Re: (NEW) WisdomTree 90/60 U.S. Balanced Fund

I have also been studying this fund and am interested in adding it to my taxable account. 1) For those of you who are using the fund how do you calculate the bond portion for your AA (I’m 80/20 and currently have the 20% bonds in tax advantaged but curious how this fund would effect my AA) 2) Readi...
by Wyodoc
Tue Sep 17, 2019 5:57 am
Forum: Investing - Theory, News & General
Topic: (NEW) WisdomTree 90/60 U.S. Balanced Fund
Replies: 341
Views: 37715

Re: (NEW) WisdomTree 90/60 U.S. Balanced Fund

I have also been studying this fund and am interested in adding it to my taxable account. 1) For those of you who are using the fund how do you calculate the bond portion for your AA (I’m 80/20 and currently have the 20% bonds in tax advantaged but curious how this fund would effect my AA) 2) Readin...
by Wyodoc
Sat Sep 14, 2019 6:06 pm
Forum: Investing - Theory, News & General
Topic: Small Cap Value heads Rejoice !!!
Replies: 429
Views: 47081

Re: Small Cap Value heads Rejoice !!!

[quote=foosball post_id=4748492 time=<a href="tel:1568462437">1568462437</a> user_id=110128] [quote=caklim00 post_id=4743905 time=<a href="tel:1568208758">1568208758</a> user_id=8122] My IRAs are just SLYV and ISCF besides my small stake in the hedgefundie excellent adventure. I hold some VIOV (and...
by Wyodoc
Thu Sep 12, 2019 5:38 am
Forum: Investing - Theory, News & General
Topic: Health equity investment fee. High or low?
Replies: 32
Views: 2695

Re: Health equity investment fee. High or low?

I too have a Health Equity HSA at work, and I recently transferred the funds to Fidelity, which I really like. I'll just continue doing periodic transfers from HE to Fidelity going forward. How much did HE charge you for a transfer? I’m looking into doing an indirect transfer to save money on the t...
by Wyodoc
Wed Sep 11, 2019 5:38 am
Forum: Investing - Theory, News & General
Topic: Health equity investment fee. High or low?
Replies: 32
Views: 2695

Re: Health equity investment fee. High or low?

Don't do it. Absolutely no reason to pay an "investment fee" of 0.4% over the ERs of underlying funds. Plus, you have to have a minimum in cash drag before you can start investing. I had enough of HealthEquity and every year I do an indirect rollover to Lively, an excellent fee-free HSA with TD inv...
by Wyodoc
Sun Sep 01, 2019 2:25 pm
Forum: Investing - Theory, News & General
Topic: How to Add Momentum Factor
Replies: 36
Views: 2352

Re: How to Add Momentum Factor

I would just note that S&P 600 value is a multifactor fund (size, value, quality). Also, SLYV is a great fund but would not hold it in a taxable account. Back to OPs question-> I think any of the above are good ways to add momentum but staying the course is much more important. If you think you may ...
by Wyodoc
Sun Sep 01, 2019 11:00 am
Forum: Investing - Theory, News & General
Topic: How to Add Momentum Factor
Replies: 36
Views: 2352

Re: How to Add Momentum Factor

I'm in a similar scenario as described by the OP. I have a stronger SCV tilt than him though. I was looking into my options to make the tilt a bit milder and/or maybe get some other factor exposure too. What you're saying makes sense. And yes I read several of Robert T's posts. Iirc he seems to fav...
by Wyodoc
Sun Sep 01, 2019 10:01 am
Forum: Investing - Theory, News & General
Topic: How to Add Momentum Factor
Replies: 36
Views: 2352

Re: How to Add Momentum Factor

This is a tricky thing to accomplish because momentum portfolios often load negatively on value. If you combine IJS and MTUM together say in equal proportions, MTUM largely will cancel out the value loading in IJS. The other problem is that when a value stock acquires upward momentum, it tends to c...
by Wyodoc
Sat Aug 31, 2019 8:39 pm
Forum: Investing - Theory, News & General
Topic: How to Add Momentum Factor
Replies: 36
Views: 2352

Re: How to Add Momentum Factor

Yes, I've looked at both. MTUM and VFMO have very different holdings, but I suspect that's in part because VFMO has 1/100th the assets of MTUM and if VFMO had $10B in assets it would have to look a lot more like MTUM. Possibly. Although VFMO is supposed to be 1/3 large, 1/3 mid, 1/3 small so it is ...
by Wyodoc
Sat Aug 31, 2019 7:33 pm
Forum: Investing - Theory, News & General
Topic: How to Add Momentum Factor
Replies: 36
Views: 2352

Re: How to Add Momentum Factor

Since you mentioned keeping SIZE tilt I would also consider VFMO (Vanguard momentum factor). Tilts smaller than MTUM. Has low AUM but newer fund. Since you also want to keep value tilt I would consider something like what robert T does. Maybe 25/75 momentum/small value to keep value tilt and try and...
by Wyodoc
Fri Aug 30, 2019 5:42 pm
Forum: Personal Investments
Topic: Portfolio Review - BAM Portfolio
Replies: 98
Views: 7756

Re: Portfolio Review - BAM Portfolio

I agree with most here that SCV is not for you and you should switch to 3 fund. That is a fairly extreme tilt. I personally believe this behavior of dropping small value funds when down is the exact reason the premium will persist as we hear more and more about people wanting out both here and in la...
by Wyodoc
Sun Aug 25, 2019 12:27 pm
Forum: Investing - Theory, News & General
Topic: Thoughts on IMTM fund?
Replies: 4
Views: 797

Re: Thoughts on IMTM fund?

I am also looking at this fund for taxable to add to my international allocation. It would also be in my taxable account and seems reasonable. AUM is a little low which would be main concern at this point but the price is reasonable. I'm curious how you use MTUM for your US allocation? Is MTUM your ...
by Wyodoc
Fri Aug 23, 2019 4:28 pm
Forum: Personal Investments
Topic: Business sale, cash to invest, bond questions
Replies: 9
Views: 485

Re: Business sale, cash to invest, bond questions

All good recs. Thanks. I like the Vanguard PA muni fund but would feel uncomfortable leaving everything in 1 state fund. That's the idea between 50/50 PA and the intermediate tax-exempt fund. It gives me a duration between long and intermediate. I could also consider the limited term tax-exempt fund...
by Wyodoc
Fri Aug 23, 2019 1:02 pm
Forum: Personal Investments
Topic: Business sale, cash to invest, bond questions
Replies: 9
Views: 485

Re: Business sale, cash to invest, bond questions

[quote=Wyodoc post_id=4713703 time=<a href="tel:1566577863">1566577863</a> user_id=141125] [quote=abuss368 post_id=4713659 time=<a href="tel:1566576580">1566576580</a> user_id=14573] TIPS are not needed unless you believe you have a high risk to unexpected inflation. Makes sense, thanks for the rep...
by Wyodoc
Fri Aug 23, 2019 11:31 am
Forum: Personal Investments
Topic: Business sale, cash to invest, bond questions
Replies: 9
Views: 485

Re: Business sale, cash to invest, bond questions

abuss368 wrote:
Fri Aug 23, 2019 11:09 am
TIPS are not needed unless you believe you have a high risk to unexpected inflation.
Makes sense, thanks for the reply
by Wyodoc
Fri Aug 23, 2019 10:59 am
Forum: Personal Investments
Topic: Business sale, cash to invest, bond questions
Replies: 9
Views: 485

Business sale, cash to invest, bond questions

Hi all, I'm 37 and recently sold a portion of my business and have large amount of cash to invest. I would like an overall 2nd opinion mostly on the investment side. Questions to follow post... Update on financial situation: Emergency fund - 6 months in VPTXX ( Vanguard PA money market) Debt- Mortga...
by Wyodoc
Wed Jul 31, 2019 3:11 pm
Forum: Investing - Theory, News & General
Topic: A low-cost 5 fund Boglehead portfolio
Replies: 110
Views: 17205

Re: A low-cost 5 fund Boglehead portfolio

I have almost exact portfolio with a few exceptions: 30% US Multi-Factor (VFMF) 10% Small Value (VBR) 35% Int'l Small (VSS) 5% Emerging Mkts (VWO) 20% Intermediate Term Treas. (VGIT) Weighted ER .12 Same with me 35% US total market VTI 20% US small value VIOV/SLYV 20% Intl small SCZ (Most expensive...
by Wyodoc
Tue Jul 30, 2019 4:55 pm
Forum: Investing - Theory, News & General
Topic: A low-cost 5 fund Boglehead portfolio
Replies: 110
Views: 17205

Re: A low-cost 5 fund Boglehead portfolio

I won’t speak for Vineviz but are there low cost true value international ETFs? Also, I’m assuming EM provides better diversification for the cost (Not 100% about that statement)
by Wyodoc
Tue Jul 30, 2019 4:16 pm
Forum: Investing - Theory, News & General
Topic: A low-cost 5 fund Boglehead portfolio
Replies: 110
Views: 17205

Re: A low-cost 5 fund Boglehead portfolio

FlyingMoose wrote:
Tue Jul 30, 2019 4:08 pm
Why international-small but not international-value? (My starting point is the TrevH 4-fund thread)...
One of his objectives was low cost. Hard to find low cost ETF for Intl small value. Wish there was.
by Wyodoc
Tue Jul 02, 2019 4:52 am
Forum: Personal Finance (Not Investing)
Topic: Is it possible to open a Roth for my wife under my account?
Replies: 8
Views: 752

Re: Is it possible to open a Roth for my wife under my account?

You did not make it clear where you house the IRA but I know at Vanguard you can open the account separately but allow it to be viewed and managed from your account. I’ve been making deposits and managing my spouses IRA for a few years now without ever logging into the other account. The other broke...
by Wyodoc
Sun Jun 30, 2019 6:33 am
Forum: Personal Finance (Not Investing)
Topic: 529 Pennsylvania Question
Replies: 7
Views: 496

Re: 529 Pennsylvania Question

You did not specify but I’m assuming you and your spouse both have taxable income? The 15,000 is only deductible if you have that much income. You can still contribute 15k each but if one of you is not working the other 15k is not deductible.
by Wyodoc
Mon Jun 17, 2019 7:18 pm
Forum: Personal Investments
Topic: Investment gift for my 1 year old son
Replies: 11
Views: 1207

Re: Investment gift for my 1 year old son

Sounds like his grandmother wanted it used for education. If so, It’s hard to find a better vehicle than a 529.
by Wyodoc
Mon Jun 17, 2019 5:33 pm
Forum: Personal Investments
Topic: For those of you who have a factor diversified portfolio, what is yours?
Replies: 55
Views: 4496

Re: For those of you who have a factor diversified portfolio, what is yours?

Thanks guys. So many go with small cap / value funds. How about momentum and quality? Those seem to be beneficial factors as well. SP 600 small cap value funds also screen for quality as well as small and value. I do have interest in momentum but hard to pick SCV fund AND Mom fund as they can cance...
by Wyodoc
Mon Jun 17, 2019 11:12 am
Forum: Personal Investments
Topic: For those of you who have a factor diversified portfolio, what is yours?
Replies: 55
Views: 4496

Re: For those of you who have a factor diversified portfolio, what is yours?

Same as above
I use VIOV and some IJS in taxable. SLYV in IRA
by Wyodoc
Sun Jun 16, 2019 3:46 pm
Forum: Personal Investments
Topic: For those of you who have a factor diversified portfolio, what is yours?
Replies: 55
Views: 4496

Re: For those of you who have a factor diversified portfolio, what is yours?

I’m 35% total US, 20% small value, 20% small intl, 15% EM, 10% bonds. So SV tilt US and only have small intl. As above, if an accessible, reasonably priced SV for intl was around I’d use that too.
by Wyodoc
Sun Jun 16, 2019 1:57 pm
Forum: Investing - Theory, News & General
Topic: Opportunity Zone Funds
Replies: 15
Views: 1745

Re: Opportunity Zone Funds

I have looked into OZ. I believe they could make financial sense for someone with large capital gains from the sale of a business or funds and they want to avoid some LTCG taxes and defer the rest. This will come at a price of illiquidity and higher risk investment areas.
by Wyodoc
Sat Jun 08, 2019 8:12 pm
Forum: Personal Investments
Topic: Suitability of multifactor in taxable
Replies: 12
Views: 840

Re: Suitability of multifactor in taxable

To answer OPs question it is very tax efficient. VFMFX which is the mutual fund is not very tax efficient but VFMF which is the ETF version is efficient and appears to be fine in taxable.