Search found 4 matches

by Rinkadink
Sat Mar 21, 2020 8:40 am
Forum: Personal Investments
Topic: Reinvesting dividends with Spec ID method at Vanguard
Replies: 5
Views: 240

Reinvesting dividends with Spec ID method at Vanguard

I am considering swithing from average cost to specific ID cost basis tracking in my Vanguard taxable account. It is 100% Vanguard Total Stock Market Index with semi monthly contributions. I don't have any plans to use this money in the foreseeable future. I have seen people say on here that people ...
by Rinkadink
Sat Feb 29, 2020 10:13 am
Forum: Personal Investments
Topic: Tips for spec ID cost basis with Vanguard
Replies: 4
Views: 303

Tips for spec ID cost basis with Vanguard

I have a few questions about specific ID cost basis tracking for my taxable Vanguard account. My plan is to buy and hold just two index funds. 1. I do not intend to do tax loss harvesting when the market goes down. That seems more complicated than I'm interested in. I just want to be able to avoid t...
by Rinkadink
Thu Feb 27, 2020 12:13 pm
Forum: Personal Investments
Topic: Paying down mortgage instead of buying bonds
Replies: 16
Views: 1297

Paying down mortgage instead of buying bonds

Lets say my budget allows for $1,000 to invest every month. My current asset allocation target is 85/15. So I would invest $850 into a total stock market index fund and $150 into a total bond market index fund. But what if instead I used the $150 as an extra principal payment on my 4% mortgage? I vi...
by Rinkadink
Mon Jan 20, 2020 5:42 pm
Forum: Personal Investments
Topic: Downside to ETFs?
Replies: 19
Views: 2098

Downside to ETFs?

I just opened a Vanguard taxable account. I was planning to invest in the total stock market index fund and the total bond market index fund. But I see that the ETF versions of those two funds have slightly lower expense ratios and no minimum investment requirement. And they are commission free. So ...