Search found 1003 matches

by annu
Thu Apr 08, 2021 11:18 pm
Forum: Personal Investments
Topic: I cant find anything better than S&P
Replies: 64
Views: 5453

Re: I cant find anything better than S&P

Looks like you already have the answer, so just looking for confirmation :D I do real estate, as a diversifier, but it is not comparable to Stock investing, as investment domain is not the same, and neither are returns. Where I am at, we have seen 20% gains in SFH, in last 6 months, with rents also ...
by annu
Thu Apr 08, 2021 12:06 pm
Forum: Personal Investments
Topic: pay off 165k business property loan?
Replies: 5
Views: 536

Re: pay off 165k business property loan?

Personally would do the same if I had that high loan, did same with a 3% loan on home, so not exactly the same but close I guess :happy One thing I will suggest, look into any implications of owning business property fully vs bank also involved, any effect on insurance, liability etc. I do have a qu...
by annu
Wed Apr 07, 2021 2:59 pm
Forum: Personal Investments
Topic: How should I invest cash just sitting in the bank?
Replies: 27
Views: 3994

Re: How should I invest cash just sitting in the bank?

Just to add to real estate. If you plan to wait, then it better be multiple years, with new covid relief packages, people can stop paying mortgage with no impact on their credit score and also even after end of 1 year delay the owner has provision to be able to renegotiate their loan terms. So unles...
by annu
Tue Apr 06, 2021 3:34 pm
Forum: Personal Investments
Topic: International equity ETF options (IXUS, IDEV, IEMG)
Replies: 8
Views: 812

Re: International equity ETF options (IXUS, IDEV, IEMG)

Looking at IDEV, IEMG and IXUS, looks like below Total number of companies: 2171, 2513, 4303 Country holdings 1 Japan 23.28% China 36.48% Japan 16.11% — 2 United Kingdom 13.34% Taiwan 14.41% China 11.20% — 3 Canada 9.28% South Korea 13.58% United Kingdom 9.24% — 4 France 8.39% India 10.07% Canada 6....
by annu
Mon Apr 05, 2021 10:00 pm
Forum: Investing - Theory, News & General
Topic: [How does one compare the value of real estate in relation to other assets?]
Replies: 10
Views: 761

Re: [How does one compare the value of real estate in relation to other assets?]

Well, I have been reducing bond allocation every year, as we invest more in real estate, not that I believe real estate plays the same role, but that it is a different investment then Stocks and I personally don't feel the appeal of Bonds in my allocation, even before the rates tanked, currently hav...
by annu
Mon Apr 05, 2021 12:19 am
Forum: Personal Investments
Topic: Downpayment for House
Replies: 4
Views: 781

Re: Downpayment for House

House prices will not be under control for atleast 1 more year, if not more. With Covid, one nice thing, there is very good protection for home owners and someone losing their job or for whatever reason they cannot pay mortgage, they can sign up for forbearance, where atleast for a year, they can st...
by annu
Sun Apr 04, 2021 11:59 pm
Forum: Personal Investments
Topic: What do you think should my allocation to equities be
Replies: 6
Views: 713

Re: What do you think should my allocation to equities be

Just a thought, since you mentioned not in US anymore, is there an option to use the local bonds from where you are? For e.g. some places are still offering high yield in local currency bonds, I have seen as high as 7% for senior citizens. Big risk being it is in local currency not $.
by annu
Sun Apr 04, 2021 2:35 pm
Forum: Personal Investments
Topic: Where to go for cash position returns ?
Replies: 15
Views: 1042

Re: Where to go for cash position returns ?

returns are inversely related to risk. Not many safe options with high interest. Treasuries are paying decent, maybe an option.
by annu
Sat Apr 03, 2021 12:16 am
Forum: Investing - Theory, News & General
Topic: Real estate investing leverage advantage and any possible alternatives ?
Replies: 10
Views: 975

Re: Real estate investing leverage advantage and any possible alternatives ?

Real estate is not risk free, but especially starting out, probably nothing as good and as fast to increase net worth. This guy puts it really well, much better than I have been ever trying to explain this https://www.youtube.com/watch?v=zshlrp-6n1o
by annu
Sat Apr 03, 2021 12:11 am
Forum: Investing - Theory, News & General
Topic: UK - Time to Invest?
Replies: 28
Views: 1664

Re: UK - Time to Invest?

...I do own a Franklin fund already, just one issue I have seen liquidity and also they closed some funds so general concern if they liquidate more. FLGB has a nicely sized $205.98 Million in net assets and is perhaps not low enough to worry about it we go by the rule of thumb that "once a fun...
by annu
Sat Apr 03, 2021 12:08 am
Forum: Investing - Theory, News & General
Topic: Real Estate (TIAA vs. Fundrise, DiversyFund, etc.)
Replies: 33
Views: 2096

Re: Real Estate (TIAA vs. Fundrise, DiversyFund, etc.)

I know it is frowned upon here, but if you are interested in Real estate, depending on your net worth, owning single family home and renting is still a very good if not the best way to start investing in Real estate. If you can also house hack on top of it, it is even faster way to add to net worth....
by annu
Fri Apr 02, 2021 11:49 pm
Forum: Personal Investments
Topic: Cold feet before dumping 25K into crowdfunding real estate?
Replies: 40
Views: 4538

Re: Negative experience with Crowdstreet

Finding this is what stopped me from going in, had checked everything else about a storage facility fund, really liked all the numbers. But the hassle of tax time, really made it look like a lot more active investment then passive one.
by annu
Thu Apr 01, 2021 11:22 pm
Forum: Investing - Theory, News & General
Topic: Anybody have a high allocation of REIT's? Over 20%?
Replies: 5
Views: 775

Re: Anybody have a high allocation of REIT's? Over 20%?

I do, and as soon as they get to what I bought them for, will be selling right away. I have VNQ and VNQI, no dividends for a while as well
by annu
Thu Apr 01, 2021 10:34 pm
Forum: Personal Investments
Topic: Asset allocation question on windfall
Replies: 5
Views: 562

Re: Asset allocation question on windfall

Considering your kids age, maybe 529 is an option? You can do lumpsum/overcontribute above the yearly limit as well.
by annu
Thu Apr 01, 2021 4:42 pm
Forum: Investing - Theory, News & General
Topic: UK - Time to Invest?
Replies: 28
Views: 1664

Re: UK - Time to Invest?

Any other funds besides Franklin? This site claims to offer the Best UK ETFs for Q2 2021. But notably missing from their 3 ETF's is Franklin, which is strange... Just by looking at the expense alone, theirs are ZGBR 0.14%, EWUS 0.59%, FKU 0.80%, while Franklin's is only 0.09%. EWUS is a small-cap v...
by annu
Wed Mar 31, 2021 10:42 pm
Forum: Investing - Theory, News & General
Topic: UK - Time to Invest?
Replies: 28
Views: 1664

Re: UK - Time to Invest?

Any other funds besides Franklin?
by annu
Sun Mar 28, 2021 1:30 pm
Forum: Personal Investments
Topic: Margin investing VTI in taxable account
Replies: 17
Views: 1039

Re: Margin investing VTI in taxable account

If you make high income, why not buy every month, will probably make it easier to buy over a spread and also no margin. Issue with margin, you have to be aware if market goes down enough, your equities can be sold to make up for the money owed by the broker. if you still plan on doing this, IB(inter...
by annu
Wed Mar 24, 2021 6:35 pm
Forum: Personal Investments
Topic: Bought Canadian bitcoin ETF (BTCX.U) in a Roth, bad or good idea?
Replies: 13
Views: 657

Re: Bought Canadian bitcoin ETF (BTCX.U) in a Roth, bad or good idea?

An advantage over buying directly is that you have no need to worry about wallets and passwords and private keys. We've all heard about people who have significant BTC but can't access it, or literally physically lost it. So, yes, this is a good way to speculate in BTC without having to worry about...
by annu
Wed Mar 24, 2021 5:07 pm
Forum: Personal Investments
Topic: Bought Canadian bitcoin ETF (BTCX.U) in a Roth, bad or good idea?
Replies: 13
Views: 657

Re: Bought Canadian bitcoin ETF (BTCX.U) in a Roth, bad or good idea?

Its less then 1 year old. So could not get anything on portfoliovisulaizer.
But of late bitcoin has been following the market, almost alligned. In this case, why not buy bitcoin directly?
by annu
Sun Mar 21, 2021 9:14 pm
Forum: Personal Investments
Topic: New invester
Replies: 6
Views: 522

Re: New invester

2 to 3 years, CD is only viable option. Anything else(like 3 fund portfolio https://www.bogleheads.org/wiki/Three-fund_portfolio) or even 60 Stocks/40 bonds not a good idea for 2 to 3 as you can probably in loss around the time you need the money.
by annu
Tue Mar 16, 2021 6:26 pm
Forum: Personal Investments
Topic: We sold our business. Help us invest the windfall
Replies: 63
Views: 8402

Re: We sold our business. Help us invest the windfall

Best things my parents helped us do, leave college with no debts. We have scholarships, but anything on top of that, they covered, and it really did help each of us a lot. If you can do the same, I can tell you talking to my friends who had debt right out of school, many of them never could get out ...
by annu
Mon Mar 15, 2021 8:50 pm
Forum: Personal Investments
Topic: mortgage for mixed use vacation home?
Replies: 3
Views: 430

Re: mortgage for mixed use vacation home?

I dont like leverage. We have couple of Single family homes and have them paid off, it does make it difficult to avoid taxes, but also helps us being more selective when we are looking for renters, and did I mentioned no mortgage :D
by annu
Mon Mar 15, 2021 8:43 pm
Forum: Personal Investments
Topic: Invest in market or hold cash?
Replies: 22
Views: 2741

Re: Invest in market or hold cash?

Well you can do both :D.
I am doing monthly investments form paycheck as normal, but keeping extra cash that I plan to invest lump sum after April(Next CPI report will comming up and inftaion numbers are going to be high).
by annu
Mon Mar 15, 2021 8:39 pm
Forum: Personal Investments
Topic: DLP Capitol
Replies: 36
Views: 1661

Re: DLP Capitol

I spent a lot of time looking into these, my $0.02, the details are what will get you. There are layers of investors, with some in line ahead of you, especially if things go south. Also they do seem to target Physicians a lot more, as I feel due to higher cash flows maybe they do not followup as agg...
by annu
Sun Mar 14, 2021 8:47 pm
Forum: Personal Investments
Topic: where to put down payment money short term (approx. 1 year)?
Replies: 4
Views: 457

Re: where to put down payment money short term (approx. 1 year)?

Rate of return increases with rate of risk. Short of CD, there is not much else, especially for 1 year. A 60/40 Split(60% stocks and 40 bond), is probably safest choice, but definitely higher risk then CD and far from being a safe/sure bet.
by annu
Sun Mar 14, 2021 5:58 pm
Forum: Investing - Theory, News & General
Topic: Investing in Real Estate - Rental Income?
Replies: 23
Views: 2428

Re: Investing in Real Estate - Rental Income?

To compare markets look into roofstock.com.
For commercial crowdstreet is an option.

Roofstock has neighborhood classes, you can pick class a to see how rents compare. Considering you are doing all cash, 5% is very doable.
by annu
Fri Mar 12, 2021 3:59 pm
Forum: Personal Investments
Topic: Chase You Invest for buying Vanguard Funds?
Replies: 17
Views: 1155

Re: Chase You Invest for buying Vanguard Funds?

5 months is a long time to finish investing, especially with the money just sitting there. If it is long term, maybe going little faster may help. I also invest in VWIUX, and I also felt loyalty towards Fidelity as we always use them, but when Fidelity rep told me, there is $75 fee for buying it, I ...
by annu
Fri Mar 12, 2021 3:47 pm
Forum: Personal Investments
Topic: 401K : Have 15K in a Money market fund, want to move this to S&P500 index fund. Should I do it lumpsum or 2K over 8month
Replies: 20
Views: 1490

Re: 401K : Have 15K in a Money market fund, want to move this to S&P500 index fund. Should I do it lumpsum or 2K over 8m

Lump sum is easy, but be aware April with new inflation data, which will be expectedly worst, there will be volatility again for a little bit. So if you will be okay through it just go in now. I have been investing in new account I setup, and invested through last week and got some good deals on VTI...
by annu
Fri Mar 12, 2021 1:05 pm
Forum: Personal Investments
Topic: Investing 100K when market looks expensive
Replies: 3
Views: 903

Re: Investing 100K when markets looks expensive

I have been doing ITOT/IXUS(ishares versions of VTI/VXUS). So if market goes down will tax loss harvest into VT/VXUS, since we have VTI/VXUS is all other accounts(Tax deferred), will make tax loss harvesting a lot simpler to manage. Also if you move 100k to schwab, they giving out $500. Beyond that,...
by annu
Fri Mar 12, 2021 2:34 am
Forum: Personal Investments
Topic: Opinion on real estate investing 2021- Tampa, Florida
Replies: 12
Views: 1488

Re: Opinion on real estate investing 2021- Tampa, Florida

Buying needs to factor in property tax, mortgage interest (if any), maintenance/upkeep and capital improvements (remodeling and long lived repairs). Maintenance expense and capital improvements are often overlooked in the buy vs rent decision. And assign a financial value to your time spent on the ...
by annu
Thu Mar 11, 2021 4:23 pm
Forum: Investing - Theory, News & General
Topic: Tax costs for US and international value ETFs
Replies: 17
Views: 1625

Re: Tax costs for international value ETFs

I started doing ITOT/IXUS(iShares version of VTI/VXUS) mostly so that it is simpler to tax loss harvest to VTI/VXUS when needed as we are only using vanguard funds in all other accounts. WHile it is probably too late as already done investing 60% of money allocated, but will be interested in seeing ...
by annu
Thu Mar 11, 2021 4:18 pm
Forum: Investing - Theory, News & General
Topic: Which total stock market fund for $300k to invest?
Replies: 21
Views: 2903

Re: Which total stock market fund for $300k to invest?

I had some money to invest, so went with schwab, and also got their $500 bonus, and holding ITOT/IXUS(Ishares versions of VTI/VXUS). The plan is since we hold primarilty VTI/VXUS in other accounts including 401k/IRA, will be easy to tax loss harvest to VTI/VXUS(if neeed), then tlh from VTI/VXUS to s...
by annu
Thu Mar 11, 2021 4:04 pm
Forum: Personal Investments
Topic: Opinion on real estate investing 2021- Tampa, Florida
Replies: 12
Views: 1488

Re: Opinion on real estate investing 2021- Tampa, Florida

With mortgage rates so low, if you are ready to buy a home, buy now. If you are renting any payment is going towards someone else's mortgage, when you could be building equity for yourself.
by annu
Thu Mar 11, 2021 2:20 pm
Forum: Personal Investments
Topic: What broker(s) allow OTC stocks, caveat emptor stocks and sub 0.01 stocks
Replies: 12
Views: 1168

Re: What broker(s) allow OTC stocks, caveat emptor stocks and sub 0.01 stocks

Gambling should still imply some probability of winning :happy . I use fidelity as well, but if I dont see something there, just assumed that it is probably not worth the risk and hassle. [Disrespectful comment removed by moderator oldcomputerguy] I have a fidelity account and they have caveat empt...
by annu
Wed Mar 10, 2021 1:22 pm
Forum: Personal Investments
Topic: Long term treasury - keep or sell?
Replies: 16
Views: 1329

Re: Long term treasury - keep or sell?

With yields high, I plan on holding, otherwise you will be taking the loss. I think with higher yields, holding it as planned should compensate for loss in value. Since these are 20+ years, no point selling due to 6 months or less of downturn.
by annu
Mon Mar 08, 2021 11:47 pm
Forum: Personal Investments
Topic: VLGSX - A Short or Long Term Mistake?
Replies: 27
Views: 2579

Re: VLGSX - A Short or Long Term Mistake?

From my basic understanding, when I got long term bond, it was for 20+ years, so for variations short term will not worry too much. Also while it has gone down, yields have gone up, it was ~2% last I checked, so that should compensate. I have primarily been in https://fundresearch.fidelity.com/mutua...
by annu
Mon Mar 08, 2021 11:41 pm
Forum: Personal Investments
Topic: Int'l Equity Fund that Excluldes CHINA
Replies: 24
Views: 1983

Re: Which Emerging Markets ETF?

I have VWO(https://investor.vanguard.com/etf/profile/portfolio/vwo), liked its country holdings. If you wan to overload into one country, you can always buy some of country specific ETFs, I use Franklin ETF for that sepcifically, as I also wanted more exposure to a specific country
by annu
Mon Mar 08, 2021 8:26 pm
Forum: Personal Investments
Topic: Mortgage payoff options using PV retirement spreadsheet
Replies: 8
Views: 989

Re: Weighing out different mortgage payoff scenarios

We did payoff our mortgage, and only thing we used to decide that, added peace of mind, not having to plan/worry about mortgage was 100% worth it.
I never went the calculation route though
by annu
Sun Mar 07, 2021 12:16 am
Forum: Personal Investments
Topic: Best Use of Windfall
Replies: 18
Views: 2432

Re: Best Use of Windfall

Living off cash is pretty close to living off of Total US Stock Market Index fund. That's because the stock fund will pay a low yield of mostly qualified divdends that are taxed less than interest and return of capital is not taxed. So putting this money in cash is kind of a waste to me. This compl...
by annu
Sun Mar 07, 2021 12:11 am
Forum: Personal Investments
Topic: Commercial Real Estate
Replies: 22
Views: 2068

Re: Commercial Real Estate

For my first Commercial, bought an office building, building/developing a new property as your first will be a big undertaking. I will suggest research bit more including looking at Crowdstreet. Just like any other real estate purchase, all folks involved in selling or even buyers agent, get a cut o...
by annu
Tue Mar 02, 2021 1:32 am
Forum: Personal Investments
Topic: Fidelity 401K BrokerageLink Question - Transfer/Exchange Holding Period
Replies: 4
Views: 436

Re: Fidelity 401K BrokerageLink Question - Transfer/Exchange Holding Period

Just one headsup. Once money is in Brokeragelink, you will not be able to separate Pre vs Post tax contributions, nor even see how much of each you are using in any investment, which is the case in default settings.

I do brokeraglink as well, but liked the detailed view
by annu
Mon Mar 01, 2021 9:30 pm
Forum: Personal Investments
Topic: Home vs investing (is this the right time?)
Replies: 12
Views: 1380

Re: Home vs investing (is this the right time?)

Mortgage rates are very low, and you can get very good rates if you have good credit history. But housing market is also quite competitive. We did not have some big life changing event that made us realize we wanted a home, just that we have 2 kids, once they go to 3+, wanted to have a yard and also...
by annu
Mon Mar 01, 2021 9:21 pm
Forum: Personal Investments
Topic: Question on how to simulate VTSAX
Replies: 9
Views: 741

Re: Question on how to simulate VTSAX

I did below, also in Fidelity. 84% Vanguard 500 Index Fund (VFIAX), used VOO(Etf version) 16% Vanguard Extended Market Index Fund (VEXAX). VXF(etf version) Comes as below Large 24 29 24 mid. 5 6 6 small 2 2 2 used from the link: https://www.bogleheads.org/wiki/Approximating_total_stock_market
by annu
Mon Mar 01, 2021 9:09 pm
Forum: Personal Investments
Topic: Question on how to simulate VTSAX
Replies: 9
Views: 741

Re: Question on how to simulate VTSAX

I did below, also in Fidelity.

84% Vanguard 500 Index Fund (VFIAX), used VOO(Etf version)
16% Vanguard Extended Market Index Fund (VEXAX). VFX(etf version)

Comes as below

Large 24 29 24
mid5 6 6
2 2 2
by annu
Sun Feb 28, 2021 1:09 am
Forum: Personal Investments
Topic: Best place to park cash at Fidelity ?
Replies: 23
Views: 4045

Re: Best place to park cash at Fidelity ?

With a referal code, schwab will give you $500 for 100k deposited, in 45 days. Probably best option rate wise.
by annu
Fri Feb 26, 2021 12:24 pm
Forum: Personal Investments
Topic: fixing large growth/large tech tilted portfolio during a correction
Replies: 2
Views: 223

Re: fixing large growth/large tech tilted portfolio during a correction

What recent events? I have some money in MGK, https://investor.vanguard.com/etf/profile/MGK. A mega corp etf, but nothing changed there. WHat finds do you have which has seen big changes?
by annu
Fri Feb 26, 2021 12:18 pm
Forum: Personal Finance (Not Investing)
Topic: Reinvesting CG's after sale of property
Replies: 1
Views: 112

Re: Reinvesting CG's after sale of property

Only thing I can think of, if you have any capital loses, you can use them to offset some of the gains....
by annu
Fri Feb 26, 2021 12:09 pm
Forum: Personal Finance (Not Investing)
Topic: LegalZoom for simple Will/Testament
Replies: 10
Views: 749

Re: LegalZoom for simple Will/Testament

Depends, if you got money/assets, can get complicated. We recently got done making a revocable living trust. I used the legal plan from my company to get a lawyer and set it up. If your company has an option like that as well, probably cheapest to get it done that way. My employer had ~$15 a month o...
by annu
Fri Feb 26, 2021 12:05 pm
Forum: Personal Finance (Not Investing)
Topic: Any bonus offers to move/invest 100k
Replies: 13
Views: 1010

Re: Any bonus offers to move/invest 100k

Looks like Schwab is best @ $500, Merryl next @ 375. But need a referral for Schwab. If anyone has an account will appreciate a referral..... :D Per this post (updated 1/17/21), it looks like Merrill Edge bonus is $500 for $100k. If you want to go to Schwab, DM me for a referral link. Thanks for re...
by annu
Fri Feb 26, 2021 12:05 pm
Forum: Personal Finance (Not Investing)
Topic: Any bonus offers to move/invest 100k
Replies: 13
Views: 1010

Re: Any bonus offers to move/invest 100k

Thanks for quick replies. Merryl edge seems to be charging a fee, as below Other fees may apply. Free and $0 means there is no commission charged for these trades. Sales are subject to a transaction fee of between $0.01 and $0.03 per $1,000 of principal. There are costs associated with owning ETFs....