Search found 73 matches

by rocketsrule
Wed Jan 06, 2021 12:58 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks continue to soar!
Replies: 12238
Views: 945297

Re: U.S. stocks continue to soar!

What are you guys doing with any dry powder you have?

Ready to fund my backdoor roth today but wondering i I should wait. Was going to just buy some total US - ITOT
by rocketsrule
Mon Jan 04, 2021 12:20 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 21224
Views: 2879988

Re: U.S. stocks in free fall

Hello darkness my old friend
by rocketsrule
Tue Dec 15, 2020 12:40 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks continue to soar!
Replies: 12238
Views: 945297

Re: U.S. stocks continue to soar!

What are you guys doing with dry powder at this point? I have a good amount left and thought of maybe just popping 100k towards the s&p 500 today
by rocketsrule
Tue Nov 17, 2020 4:48 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks continue to soar!
Replies: 12238
Views: 945297

Re: U.S. stocks continue to soar!

What are you guys doing with dry powder right now? Might it be wise to wait until January as a lot of folks will take profits at year end and usually Jan starts lower? So if I understand you correctly, you believe that the price of stocks will be going down between now and "January as a lot of...
by rocketsrule
Tue Nov 17, 2020 3:51 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks continue to soar!
Replies: 12238
Views: 945297

Re: U.S. stocks continue to soar!

What are you guys doing with dry powder right now? Might it be wise to wait until January as a lot of folks will take profits at year end and usually Jan starts lower?
by rocketsrule
Mon Nov 09, 2020 2:51 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks continue to soar!
Replies: 12238
Views: 945297

Re: U.S. stocks continue to soar!

Anyone buying high today
by rocketsrule
Mon Nov 09, 2020 12:28 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks continue to soar!
Replies: 12238
Views: 945297

Re: U.S. stocks continue to soar!

jay22 wrote: Mon Nov 09, 2020 11:27 am Great day to sell some VTI and buy more QQQ.
QQQ's up today and you really think it's going to go a lot higher?

I'm in some of the arkk and arkw funds but can't decide if I want to buy more or just throw it towards ITOT. Tesla really hasn't been doing much and has a big chunk of the portfolio
by rocketsrule
Mon Nov 09, 2020 9:01 am
Forum: Investing - Theory, News & General
Topic: U.S. stocks continue to soar!
Replies: 12238
Views: 945297

Re: U.S. stocks continue to soar!

Wow. I had 100k ready to plunk down on Friday on Sp500 fund and forgot. What to do now
by rocketsrule
Tue Oct 13, 2020 8:22 am
Forum: Investing - Theory, News & General
Topic: U.S. stocks continue to soar!
Replies: 12238
Views: 945297

Re: U.S. stocks continue to soar!

Yep, lots of green in premarket trading. :moneybag What futures are you guys watching? I am seeing fading green on NASDAQ and red on the other indices. We will see who is right in 18 minutes. Well I'll call it now. It's going to be a down day because I bought stuff late yesterday. Sorry everyone
by rocketsrule
Mon Oct 12, 2020 10:39 am
Forum: Investing - Theory, News & General
Topic: U.S. stocks continue to soar!
Replies: 12238
Views: 945297

Re: U.S. stocks continue to soar!

atdharris wrote: Mon Oct 12, 2020 10:37 am Why are we soaring so much today?
Who knows.. but I'm predicting a down day tomorrow after the last few being way up.
by rocketsrule
Wed Sep 23, 2020 2:17 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 21224
Views: 2879988

Re: U.S. stocks in free fall

not sure what to do with dry powder. Continue ITOT contribution?
by rocketsrule
Thu Sep 03, 2020 10:15 am
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 21224
Views: 2879988

Re: U.S. stocks in free fall

Are the QQQer's holding tight? Personally I have chosen to run around the room waving my arms in the air yelling we are all going to die. Others may have chosen to handle it differently. I'm shedding a little tear for the TQQQ in my (very small) Hedgefundie adventure. And another for the ARK funds ...
by rocketsrule
Thu Sep 03, 2020 10:14 am
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 21224
Views: 2879988

Re: U.S. stocks in free fall

I just want to apologize to everybody for the stock market crash. I bought some index funds this week therefore the market went belly up today
by rocketsrule
Tue Sep 01, 2020 9:03 am
Forum: Personal Investments
Topic: Large Portfolio Review - Adding Tech Sector or pay debt - QQQ, FTEC, ARKK etc?
Replies: 27
Views: 2414

Re: Large Portfolio Review - Adding Tech Sector or pay debt - QQQ, FTEC, ARKK etc?

It looks like overall your AA is 64/36 (including the cash). Is that your goal, or do you have a different desired AA? Paying down the student debt is a sensible move, but will have the effect of changing your AA to be more stock-intensive (as you will use the cash to pay down the student loan). Fo...
by rocketsrule
Mon Aug 31, 2020 2:47 pm
Forum: Personal Investments
Topic: Large Portfolio Review - Adding Tech Sector or pay debt - QQQ, FTEC, ARKK etc?
Replies: 27
Views: 2414

Re: Large Portfolio Review - Adding Tech Sector or pay debt - QQQ, FTEC, ARKK etc?

It looks like overall your AA is 64/36 (including the cash). Is that your goal, or do you have a different desired AA? Paying down the student debt is a sensible move, but will have the effect of changing your AA to be more stock-intensive (as you will use the cash to pay down the student loan). Fo...
by rocketsrule
Mon Aug 31, 2020 2:03 pm
Forum: Personal Investments
Topic: Large Portfolio Review - Adding Tech Sector or pay debt - QQQ, FTEC, ARKK etc?
Replies: 27
Views: 2414

Re: Large Portfolio Review - Adding Tech Sector or pay debt - QQQ, FTEC, ARKK etc?

Aside from paying down the student loan should I just keep pushing money into an SP500 find like Itot or should I at least move it into bonds so I can get some sort of return monthly instead of keeping it in my bank accounts?
by rocketsrule
Sat Aug 29, 2020 3:28 pm
Forum: Personal Investments
Topic: Large Portfolio Review - Adding Tech Sector or pay debt - QQQ, FTEC, ARKK etc?
Replies: 27
Views: 2414

Re: Large Portfolio Review - Adding Tech Sector or pay debt - QQQ, FTEC, ARKK etc?

so I'm looking at our transactions and it seems like matching is done around August for the previous year. So this seems like it's a yearly match. If that's the case this front loading matter? I also see something such as employer NEC and safe harbor NEC contributions At this point, it's really jus...
by rocketsrule
Sat Aug 29, 2020 11:22 am
Forum: Personal Investments
Topic: Large Portfolio Review - Adding Tech Sector or pay debt - QQQ, FTEC, ARKK etc?
Replies: 27
Views: 2414

Re: Large Portfolio Review - Adding Tech Sector or pay debt - QQQ, FTEC, ARKK etc?

You likely have already checked, but if you haven’t make sure your 401k plan does a True Up for the match with you maxing it early. I'm not sure what a true up is. Can you explain especially as it relates to maxing early? I think they do the match in September but I'll double-check The true-up has ...
by rocketsrule
Sat Aug 29, 2020 10:49 am
Forum: Personal Investments
Topic: Large Portfolio Review - Adding Tech Sector or pay debt - QQQ, FTEC, ARKK etc?
Replies: 27
Views: 2414

Re: Large Portfolio Review - Adding Tech Sector or pay debt - QQQ, FTEC, ARKK etc?

What we are seeing right now is a melt-up in High Tech/Internet. It could be bears capitulating and covering their shorts, it could be money flowing into the "safe haven" of high tech. The big High Tech/Internet companies are minting money right now as the Covid-19 quarantine has boosted ...
by rocketsrule
Sat Aug 29, 2020 10:47 am
Forum: Personal Investments
Topic: Calculating Employer Match 401k - Front loading Salary + Commission
Replies: 0
Views: 374

Calculating Employer Match 401k - Front loading Salary + Commission

Can anyone help explain how a 401k match works in my situation and if I could be limiting myself and how much the employer matches? I was reading about Tru'ing up and front loading and now it has me thinking. Employee plan:For every 1% employee contributes up to 6%, company will contribute 0.5%. So ...
by rocketsrule
Sat Aug 29, 2020 9:45 am
Forum: Personal Investments
Topic: Large Portfolio Review - Adding Tech Sector or pay debt - QQQ, FTEC, ARKK etc?
Replies: 27
Views: 2414

Re: Large Portfolio Review - Adding Tech Sector or pay debt - QQQ, FTEC, ARKK etc?

999 wrote: Sat Aug 29, 2020 8:33 am You likely have already checked, but if you haven’t make sure your 401k plan does a True Up for the match with you maxing it early.
I'm not sure what a true up is. Can you explain especially as it relates to maxing early?

I think they do the match in September but I'll double-check
by rocketsrule
Sat Aug 29, 2020 9:36 am
Forum: Personal Investments
Topic: Large Portfolio Review - Adding Tech Sector or pay debt - QQQ, FTEC, ARKK etc?
Replies: 27
Views: 2414

Re: Large Portfolio Review - Adding Tech Sector or pay debt - QQQ, FTEC, ARKK etc?

I usually stay boring but would love to continue to add more Total US and Tech and have been eyeing the below. I really think Tech such as Cloud/Automation/innovation is a great buy. Why do you think it's a great buy? I'm in the tech/cloud/automation space and I just see it being the unstoppable ju...
by rocketsrule
Fri Aug 28, 2020 11:17 pm
Forum: Personal Investments
Topic: Large Portfolio Review - Adding Tech Sector or pay debt - QQQ, FTEC, ARKK etc?
Replies: 27
Views: 2414

Re: Large Portfolio Review - Adding Tech Sector or pay debt - QQQ, FTEC, ARKK etc?

retired@50 wrote: Fri Aug 28, 2020 3:17 pm
rocketsrule wrote: Fri Aug 28, 2020 2:47 pm
Debt:
  • Mortgage - 30yr - $325k - 3%
  • 2 Rentals - 3.5% - Pay for themselves
  • Wife student loan 4.95% (275K)
I'd suggest you pay off the student loan. Where else can you get a guaranteed return of 4.95%.

Regards,
That's a good idea
by rocketsrule
Fri Aug 28, 2020 2:47 pm
Forum: Personal Investments
Topic: Large Portfolio Review - Adding Tech Sector or pay debt - QQQ, FTEC, ARKK etc?
Replies: 27
Views: 2414

Large Portfolio Review - Adding Tech Sector or pay debt - QQQ, FTEC, ARKK etc?

Currently looking for idea's on where to deploy dry powder as I am getting a little bit of a mental block at this point on what to do next. I don't know whether to pay down debt or invest as rates are low. If investing, how much? Maybe setup a 529? Just dont think i should be sitting on this much ca...
by rocketsrule
Tue Aug 04, 2020 11:13 am
Forum: Personal Investments
Topic: Expanding Tech Sector Position - QQQ, ARKK or FTEC?
Replies: 26
Views: 2745

Expanding Tech Sector Position - QQQ, ARKK or FTEC?

I have a pretty simple portfolio with the majority consisting of a split between BSPIX (Black Rock SP500) in Tax Advantaged and FSKAK (Fido US) on Brokerage. I also own a pretty good position and SLMCX (Columbia tTech) in tax advantaged. Again it's a pretty boring setup but it's been rock solid for ...
by rocketsrule
Fri Mar 20, 2020 12:01 pm
Forum: Personal Investments
Topic: Fidelity ITOT Bid vs Ask Price?
Replies: 3
Views: 313

Re: Fidelity ITOT Bid vs Ask Price?

Or you could place a limit buy order at the mid-point between 52.72 and 53.15, so maybe for 52.93 Now, if you think the market's falling... maybe you'd bid less than 52.93, maybe even less than 52.72 Since you appear to be new to this, start out slow with small amounts. Regarding the premium or dis...
by rocketsrule
Fri Mar 20, 2020 8:52 am
Forum: Personal Investments
Topic: Fidelity ITOT Bid vs Ask Price?
Replies: 3
Views: 313

Fidelity ITOT Bid vs Ask Price?

I used to be a holder of FSKAX (Total Fidelity) but want to start buying ITOT for tax efficieny. When I go to purchase I see three prices. What am I missing and how do I purchase so I am not paying a premium. For instance the ask looks to be .10 more. Can anyone explain the below and how to set an o...
by rocketsrule
Wed Mar 18, 2020 2:06 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 21224
Views: 2879988

Re: U.S. stocks in free fall

Well, I blinked. Buy order didn't fill so I cancelled. Instead of buying stocks I decided to sell some of my LT Treasury while they're up over 4% on the day. At 0% Fed funds rate, getting pretty close to treasuries being dead money so I think I'd rather just go to cash instead for safety . When I s...
by rocketsrule
Tue Mar 17, 2020 11:28 pm
Forum: Personal Investments
Topic: Fidelity SPAXX FDIC insured?
Replies: 1
Views: 502

Fidelity SPAXX FDIC insured?

I moved a bunch of funds around in my Fidelity brokerage accounts and have a good amount sitting in SPAXX waiting to be redeployed. Do I have any risk holding the money there? Is it FDIC insured?

https://fundresearch.fidelity.com/mutua ... /31617H102
by rocketsrule
Thu Mar 12, 2020 1:27 pm
Forum: Personal Investments
Topic: Why did Muni funds crash today?
Replies: 17
Views: 1748

Re: Why did Muni funds crash today?

Jeez, I have $40k in VTEB and just saw it crashed a bit.
by rocketsrule
Thu Mar 12, 2020 12:13 pm
Forum: Personal Investments
Topic: Selling FTIHX (Intl) and FSKAX (Us) for TLH? Cancel out loss?
Replies: 6
Views: 203

Re: Selling FTIHX (Intl) and FSKAX (Us) for TLH? Cancel out loss?

Do you know how something like this would work if I were to let's say sell all my US positions and lock-in $20k long term gains then sell my international to lock in $17K loss, how much would I be saving myself at a 35% tax bracket? I would then take the funds from both my total US and internationa...
by rocketsrule
Thu Mar 12, 2020 11:21 am
Forum: Personal Investments
Topic: Selling FTIHX (Intl) and FSKAX (Us) for TLH? Cancel out loss?
Replies: 6
Views: 203

Re: Selling FTIHX (Intl) and FSKAX (Us) for TLH? Cancel out loss?

You don't necessarily have to sell all your shares. You can set up things so that you can just sell your shares that have losses. You just have to watch out for wash sales. https://www.bogleheads.org/wiki/Wash_sale. Wash sales occur when you buy shares of "substantially identical" investm...
by rocketsrule
Thu Mar 12, 2020 11:11 am
Forum: Personal Investments
Topic: Selling FTIHX (Intl) and FSKAX (Us) for TLH? Cancel out loss?
Replies: 6
Views: 203

Re: Selling FTIHX (Intl) and FSKAX (Us) for TLH? Cancel out loss?

You don't necessarily have to sell all your shares. You can set up things so that you can just sell your shares that have losses. You just have to watch out for wash sales. https://www.bogleheads.org/wiki/Wash_sale. Wash sales occur when you buy shares of "substantially identical" investm...
by rocketsrule
Thu Mar 12, 2020 11:07 am
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 21224
Views: 2879988

Re: U.S. stocks in free fall

LawProf wrote: Thu Mar 12, 2020 11:04 am Brazil's president has the virus. Was with Trump last week. This is a worldwide pandemic, plenty of room still to fall.
I'm almost sure that our President also has it
by rocketsrule
Thu Mar 12, 2020 11:02 am
Forum: Personal Investments
Topic: Selling FTIHX (Intl) and FSKAX (Us) for TLH? Cancel out loss?
Replies: 6
Views: 203

Selling FTIHX (Intl) and FSKAX (Us) for TLH? Cancel out loss?

I'm in my mid thirties and have been fortunate to build about seven figures between my 401k, brokerage account (Roth and Taxable) and cash. I am in the 35% tax bracket. Off the top of my head I'm about 80-20 weighted overall stocks/bonds and about 80-20 US to international equities I'm pretty heavil...
by rocketsrule
Thu Feb 27, 2020 2:34 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 21224
Views: 2879988

Re: U.S. stocks in free fall

jay22 wrote: Thu Feb 27, 2020 2:18 pm Tim Cook says China seems to have it under control now.

https://www.foxbusiness.com/technology/ ... oronavirus

Considering how big a player China is in Apple's whole supply chain, I'd take his word over anyone else's right now, if I am honest.
I think you mean Tim Apple
by rocketsrule
Wed Jan 08, 2020 11:55 am
Forum: Investing - Theory, News & General
Topic: U.S. stocks continue to soar!
Replies: 12238
Views: 945297

Re: U.S. stocks continue to soar!

And just deposited and bought my Roth limit of total market us yesterday with fidelity. Hehe
by rocketsrule
Fri Jan 03, 2020 4:26 pm
Forum: Personal Finance (Not Investing)
Topic: Non Deductable Ira - Backdoor Roth - Double Tax?
Replies: 8
Views: 703

Re: Non Deductable Ira - Backdoor Roth - Double Tax?

You won't be double taxed as long as the Form 8606 you include with your 2019 tax return is filled out correctly. There is generally a wave of panicky posts in March and April from people who haven't managed to fill their Form 8606 correctly (including many who had professional tax preparers do the...
by rocketsrule
Fri Jan 03, 2020 3:13 pm
Forum: Personal Finance (Not Investing)
Topic: Non Deductable Ira - Backdoor Roth - Double Tax?
Replies: 8
Views: 703

Non Deductable Ira - Backdoor Roth - Double Tax?

I'm a pretty high earner and max my 401k each year. Last year I set up a tIRA to which I deposited $5,500 post tax into and then quickly moved it over to a Roth all through fidelity. Then I bought funds with the money in the Roth. The IRA funds will not be tax deducted. I just want to make sure I'm ...
by rocketsrule
Mon Dec 23, 2019 9:32 am
Forum: Personal Investments
Topic: SLMCX - Decline on 20th?
Replies: 6
Views: 382

Re: SLMCX - Decline on 20th?

Thanks!
by rocketsrule
Mon Dec 23, 2019 9:03 am
Forum: Personal Investments
Topic: SLMCX - Decline on 20th?
Replies: 6
Views: 382

Re: SLMCX - Decline on 20th?

CHeck out this sticky thread which explains what is going on: https://www.bogleheads.org/forum/viewtopic.php?f=10&t=129142 That's what I've been trying to look for because there was already distribution on the 6th and looking at past distributions years before there was usually only one day in ...
by rocketsrule
Mon Dec 23, 2019 8:07 am
Forum: Personal Investments
Topic: SLMCX - Decline on 20th?
Replies: 6
Views: 382

Re: SLMCX - Decline on 20th?

Then why decline as you can see per my statement. You can see the negative in the third set of numbers on the 20th
by rocketsrule
Sun Dec 22, 2019 11:34 pm
Forum: Personal Investments
Topic: SLMCX - Decline on 20th?
Replies: 6
Views: 382

SLMCX - Decline on 20th?

Can anyone explain what happened with the below on 12/20 with Columbia Seligman Communications and Information Fund - Class A? There's a drop of $4,293.35 and dividends/cap were on 6th 12/1/2019 Beginning Balance 941.9441 85.060000 $80,121.77 12/6/2019 Dividends and Earnings 114.1538 75.580000 $8,62...
by rocketsrule
Fri Dec 06, 2019 11:42 pm
Forum: Personal Investments
Topic: SLMCX and FTIHX Sharp Dip Today? Dividend or Distribution?
Replies: 3
Views: 381

SLMCX and FTIHX Sharp Dip Today? Dividend or Distribution?

So generally the market has been pretty good this week and closed on a high note today. All my funds were up generously but there was a sharp drop in SLMCX and a smaller drop in FTIHX. I didn't see any from a dividend or capital gain distribution but could that be the reason especially with SLMCX an...
by rocketsrule
Fri Oct 25, 2019 10:34 am
Forum: Personal Investments
Topic: Fido Customer - Fidelity Total Market vs Vanguard Total Market
Replies: 28
Views: 2246

Re: Fido Customer - Fidelity Total Market vs Vanguard Total Market

I have to double check but in my 4011 I have a tech sector fund that I've used for a long time that has some of those companies in it from the international. I try to keep a simple 3 fund porfolio with some money and tech sector as my wild card Well, I can tell you that I believe that most professi...
by rocketsrule
Thu Oct 24, 2019 4:13 pm
Forum: Personal Investments
Topic: Fido Customer - Fidelity Total Market vs Vanguard Total Market
Replies: 28
Views: 2246

Re: Fido Customer - Fidelity Total Market vs Vanguard Total Market

When I have extra money, I have been just adding funds and purchasing more FSKAX (total US market) in my taxable or buying more in my Roth IRA each year when contributions can be made. In addition, I want to sell down some of my International and reallocate to Total Market. Do you think it would be...
by rocketsrule
Thu Oct 24, 2019 4:10 pm
Forum: Personal Investments
Topic: Fido Customer - Fidelity Total Market vs Vanguard Total Market
Replies: 28
Views: 2246

Re: Fido Customer - Fidelity Total Market vs Vanguard Total Market

I think VTI in taxable is more efficient than FSKAX By how much. Lets say 200K of VTI vs 200K of FSKax for 2018 tax year? FSKAX - 17% Turnover / 0.15 ER VTSAX - 3% Turnover / 0.04 ER VTI -Cant find Turnover / 0.03 ER Is it ok to mix total market types? Yes you can mix total market index funds from ...
by rocketsrule
Thu Oct 24, 2019 2:40 pm
Forum: Personal Investments
Topic: Fido Customer - Fidelity Total Market vs Vanguard Total Market
Replies: 28
Views: 2246

Re: Fido Customer - Fidelity Total Market vs Vanguard Total Market

I think VTI in taxable is more efficient than FSKAX By how much. Lets say 200K of VTI vs 200K of FSKax for 2018 tax year? FSKAX - 17% Turnover / 0.15 ER VTSAX - 3% Turnover / 0.04 ER VTI -Cant find Turnover / 0.03 ER Is it ok to mix total market types? Yes you can mix total market index funds from ...
by rocketsrule
Thu Oct 24, 2019 1:00 pm
Forum: Personal Investments
Topic: Fido Customer - Fidelity Total Market vs Vanguard Total Market
Replies: 28
Views: 2246

Re: Fido Customer - Fidelity Total Market vs Vanguard Total Market

Clone it in Google Drive and use Google Spreadsheets (it uses Google's finance API so downloading it locally won't help). Update Federal and QDI to the tax bracket. Didn't really have time to change the numbers so I might be off. Scroll down to FSTVX and change that to FSKAX. Expense ratio should b...
by rocketsrule
Thu Oct 24, 2019 12:56 pm
Forum: Personal Investments
Topic: Fido Customer - Fidelity Total Market vs Vanguard Total Market
Replies: 28
Views: 2246

Re: Fido Customer - Fidelity Total Market vs Vanguard Total Market

I think VTI in taxable is more efficient than FSKAX By how much. Lets say 200K of VTI vs 200K of FSKax for 2018 tax year? I'm not certain how much you'd save in taxes by using VTI over FSKAX, but you KNOW you'll save on the expense ratio. $200,000 x .0015 = $300 per year for FSKAX, versus $200,000 ...