Search found 3489 matches

by iceport
Tue Feb 20, 2018 4:08 pm
Forum: Investing - Help with Personal Investments
Topic: Need Help with 401k - Getting back into Market
Replies: 3
Views: 369

Re: Need Help with 401k - Getting back into Market

Welcome JAD! Is it worth keeping some AA in the Fixed Account? Do I consider the Fixed Account as kind of bond allocation, since the only bond option under my plan is High Yield Bond? Wow, is that 4.30% fixed dollar yield for real? Is it net of all expenses and fees? If so, the answer is HECK YES it...
by iceport
Tue Feb 20, 2018 3:31 pm
Forum: Personal Finance (Not Investing)
Topic: Connecticut is charging sales tax on out of state purchases
Replies: 40
Views: 2470

Re: Connecticut is charging sales tax on out of state purchases

Connecticut is now charging sales tax on out of state purchases. A lot of national retailers do charge CT sales tax if they have a business presence in a given state. (Walmart, Sears, LL Bean, Amazon, Orvis etc) But CT has contacted many out of state retailers and requested lists of merchandise and...
by iceport
Tue Feb 20, 2018 12:30 pm
Forum: Personal Finance (Not Investing)
Topic: Connecticut is charging sales tax on out of state purchases
Replies: 40
Views: 2470

Re: Connecticut is charging sales tax on out of state purchases

I've probably done somewhere around 2500 CT returns in the last 10 years and everyone was asked if they has any UseTax to report. I think I could count the number on one hand of those who answered Yes. They are taking a calculated risk, as have I. In my case, the dollar amounts are small, and so is...
by iceport
Tue Feb 20, 2018 11:20 am
Forum: Personal Finance (Not Investing)
Topic: Connecticut is charging sales tax on out of state purchases
Replies: 40
Views: 2470

Re: Connecticut is charging sales tax on out of state purchases

Connecticut has always charged Use Tax on untaxed items bought out-of-state, net of any sales tax charged. This is reported on your CT income tax return. You must enter "0" if there are no out-of-state untaxed (or under taxed) purchases to declare. Since you've been paying this all along (right????...
by iceport
Tue Feb 20, 2018 10:01 am
Forum: Investing - Theory, News & General
Topic: Staying Motivated: How do you ward off hopelessness?
Replies: 37
Views: 3907

Re: Staying Motivated: How do you ward off hopelessness?

Sometimes I resort to a mental backpacking analogy. It's not uncommon to encounter a miserable stretch of trail, one that is physically or aesthetically unpleasant in some significant way. If long enough, these stretches can have a profound effect on mood and can sap one's enjoyment and motivation. ...
by iceport
Tue Feb 20, 2018 9:16 am
Forum: Investing - Theory, News & General
Topic: Sequence of returns risk while accumulating
Replies: 50
Views: 2843

Re: Sequence of returns risk while accumulating

Also, what conceptually is sequence of returns risk during accumation. Overall, buying high for much of the period would give you less shares. Also, I would tend to think high valuations during the early part of accumulation would be most problematic since these early contributions tend to give the...
by iceport
Tue Feb 20, 2018 7:24 am
Forum: Investing - Help with Personal Investments
Topic: Will REIT funds ever see another drawdown like 2008?
Replies: 46
Views: 3732

Re: Will REIT funds ever see another drawdown like 2008?

I have stocks, bonds, and gold shares in a portfolio now. I know REITs will help diversify further but I am concerned about owning real estate, because of the past. Any thoughts? I think an allocation to US real estate and/or international real estate is perfectly fine. It's also perfectly fine to ...
by iceport
Mon Feb 19, 2018 9:16 pm
Forum: Investing - Help with Personal Investments
Topic: Will REIT funds ever see another drawdown like 2008?
Replies: 46
Views: 3732

Re: Will REIT funds ever see another drawdown like 2008?

livesoft wrote:
Mon Feb 19, 2018 9:01 pm
No, it's only when selling which happens after RBD buying that there is no pre-defined sell signal, so I might as well call it emotional selling.
Isn't a sell always paired with a buy?
by iceport
Mon Feb 19, 2018 8:52 pm
Forum: Investing - Help with Personal Investments
Topic: Will REIT funds ever see another drawdown like 2008?
Replies: 46
Views: 3732

Re: Will REIT funds ever see another drawdown like 2008?

livesoft wrote:
Mon Feb 19, 2018 8:39 pm
Actually, purchases are not emotional, but triggered by specific events after those events occur.
So it's only when you're making an "Advanced RBD Play" that emotions rule your market timing? Longer term market timing is not emotional?
by iceport
Mon Feb 19, 2018 8:30 pm
Forum: Investing - Help with Personal Investments
Topic: Will REIT funds ever see another drawdown like 2008?
Replies: 46
Views: 3732

Re: Will REIT funds ever see another drawdown like 2008?

livesoft wrote:
Mon Feb 19, 2018 8:16 pm
And my point is that it is probably OK for me to "wait" in Total Stock Market until I buy some VNQ.
Waiting until your proprietary emotional evaluation system tells you it's time to market-time? :|
by iceport
Mon Feb 19, 2018 12:43 pm
Forum: Investing - Theory, News & General
Topic: Taxable fund placement
Replies: 7
Views: 460

Re: Taxable fund placement

OP, you might be interested in this analysis: Tax cost of international in tax-deferred . Currently, US and foreign stocks have about the same relative tax cost. Both lose about the same amount if held in a taxable rather than a tax-deferred account, so it does not matter much which one is held wher...
by iceport
Mon Feb 19, 2018 12:02 pm
Forum: Investing - Theory, News & General
Topic: "The Morning After" by Jonathan Clements
Replies: 15
Views: 3138

Re: "The Morning After" by Jonathan Clements

His advice is always sound and solid and as indicated calming and much better than most of the financial porn out there. Having said that more often than not I don’t feel like I typical learn much new from him. I guess some people need to be reminded of these basic principles on a daily basis. Jona...
by iceport
Sat Feb 17, 2018 11:02 am
Forum: Investing - Theory, News & General
Topic: How to deal with regret
Replies: 87
Views: 7364

Re: How to deal with regret

Anyway thank you, and and thanks to all the kind people who have replied sharing their stories and encouraging me. I feel better now. Okay, I don't have any words of wisdom for you, Lauretta. About as close as I can come by way of a consolation is to congratulate you on being human and having your ...
by iceport
Sat Feb 17, 2018 10:20 am
Forum: Investing - Theory, News & General
Topic: "The Morning After" by Jonathan Clements
Replies: 15
Views: 3138

Re: "The Morning After" by Jonathan Clements

Jonathan Clements just published a third article in what could easily be considered an excellent trilogy: 1. The Morning After (2/6/2018) 2. Taking Stock (2/9/2018) 3. Tales to Be Told (2/17/2018) An interesting action item for the next crash from the latest article that I hadn't considered until no...
by iceport
Fri Feb 16, 2018 11:07 pm
Forum: Investing - Help with Personal Investments
Topic: Classification for Global Real Estate ETF (Vanguard)
Replies: 3
Views: 237

Re: Classification for Global Real Estate ETF (Vanguard)

I count it as real estate in my major asset class allocation (US, foreign, real estate, fixed income), and then split my real estate allocation between US and foreign in my subclass allocation. I hold 10% of my portfolio in real estate, so I hold 5% each in Vanguard's US and foreign real estate fun...
by iceport
Fri Feb 16, 2018 9:24 pm
Forum: Investing - Theory, News & General
Topic: Article on Bogleheads in Philly.com--The Bogleheads celebrate 20 years of low-cost index funds with patron 'Saint Jack'
Replies: 17
Views: 1014

Re: Article on Bogleheads in Philly.com--The Bogleheads celebrate 20 years of low-cost index funds with patron 'Saint Ja

LadyGeek wrote:
Fri Feb 16, 2018 9:21 pm
Apparently, you only get a limited number of free views before it's blocked. I just got blocked for the month. Bummer.
Clearing the cache doesn't reset the count?
by iceport
Fri Feb 16, 2018 9:10 pm
Forum: Investing - Theory, News & General
Topic: "The Morning After" by Jonathan Clements
Replies: 15
Views: 3138

Re: "The Morning After" by Jonathan Clements

Jonathan's newsletter article dated February 6, was written just after the S&P 500 declined 4 1/2 percent and many Bogleheads were scared because no one knew how much lower it would go. His article titled, " The Morning After ," is full of sound advice to remember when the market drops again (as it...
by iceport
Fri Feb 16, 2018 8:56 pm
Forum: Investing - Theory, News & General
Topic: Retirees: The common sense withdrawal method
Replies: 113
Views: 9232

Re: Retirees: The common sense withdrawal method

When I retired in 2000, I found many retail financial/investment advisors were still using 7% for a retirement withdrawal rate. This reminds me of a basic retirement class (read: infomercial) I took in 2007. One piece used a chart comparing running balances for a portfolio of 6-month CDs and a bala...
by iceport
Fri Feb 16, 2018 5:08 pm
Forum: Investing - Theory, News & General
Topic: Better not taxed now or taxed later?
Replies: 23
Views: 1699

Re: Better not taxed now or taxed later?

Is it better to take money out of an IRA in the 0% tax bracket and then have it in a taxable account, or to let it grow tax-free in the IRA and then pay income tax on it later? Why settle for "better?" The "best" option would probably be to convert as much of it to a Roth IRA as possible while stay...
by iceport
Fri Feb 16, 2018 12:46 pm
Forum: Investing - Help with Personal Investments
Topic: I didn't tax-loss harvest this month, did you?
Replies: 86
Views: 4883

Re: I didn't tax-loss harvest this month, did you?

Just an update: my broker, Merrill Edge, helpfully adjusted my tax lots to account for the wash sale. I checked their accounting with the logic of Pub 550, and it was correct. It is pretty painless and ultimately of no real effect on my taxes or their complexity. Glad it worked out well for you! I ...
by iceport
Fri Feb 16, 2018 12:06 pm
Forum: Investing - Theory, News & General
Topic: Vanguard LifeStrategy Funds vs. Target Date Funds
Replies: 63
Views: 5376

Re: Vanguard LifeStrategy Funds vs. Target Date Funds

Further, most of these target date funds eventually move to a very conservative AA of something like 30/70, which is outside the recommended range suggested by the safe withdrawal rate research. It must not be outside the recommended range according to the research at Vanguard, Fidelity, and the ot...
by iceport
Fri Feb 16, 2018 11:42 am
Forum: Investing - Theory, News & General
Topic: Retirees: The common sense withdrawal method
Replies: 113
Views: 9232

Re: Retirees: The common sense withdrawal method

for those trying to figure out if they have enough to retire. Figuring out whether you have enough and actually managing the withdrawal are two different problems. Yes, but they are intimately related; figuring out how much can prudently be spent from a given portfolio is common to both. Obviously,...
by iceport
Fri Feb 16, 2018 9:35 am
Forum: Investing - Theory, News & General
Topic: Retirees: The common sense withdrawal method
Replies: 113
Views: 9232

Re: Retirees: The common sense withdrawal method

This is also called "the Taylor Larimore method." It is what I follow. Congratulations on your good fortune, jebmke. This might work out well for some, but it seems hardly appropriate as general guidance or for those trying to figure out if they have enough to retire. There are some important cavea...
by iceport
Thu Feb 15, 2018 4:04 pm
Forum: Investing - Help with Personal Investments
Topic: Gut check: is this lifestyle creep?
Replies: 37
Views: 5427

Re: Gut check: is this lifestyle creep?

This is just my opinion but if you are saving 30% of your income and continue to do so in the future, lifestyle creep is irrelevant. +1 I would not call it lifestyle creep if it does not impact savings rate negatively and does not impact ones financial stability. You might agree that it is irreleva...
by iceport
Thu Feb 15, 2018 3:50 pm
Forum: Investing - Theory, News & General
Topic: Do you currency hedge Int'l?
Replies: 18
Views: 828

Re: Do you currency hedge Int'l?

But that isn't necessarily true for rebalancing between non-correlated assets with similar long term risk/reward expectations. If two assets are non-correlated and have similar long term risk/reward expectations it doesn't matter which one you chose or what the mix is. In the long run you will wind...
by iceport
Thu Feb 15, 2018 1:04 pm
Forum: Investing - Theory, News & General
Topic: How many of you use the "4% rule" during retirement?
Replies: 61
Views: 7233

Re: How many of you use the "4% rule" during retirement?

As I have read the various threads on the 4% rule, it is not typically used as a withdrawal strategy, it is more typically used as FI indicator. Not sure about this - my understanding is that it is a withdrawal strategy. I retired at 65 (two years in Sept. 2018), and am planning to use it for 65-69...
by iceport
Thu Feb 15, 2018 12:16 pm
Forum: Investing - Theory, News & General
Topic: Do you currency hedge Int'l?
Replies: 18
Views: 828

Re: Do you currency hedge Int'l?

... could help to provide a rebalancing bonus, through selling high and/or buying low. Rebalancing is about risk control not about achieving some kind of "bonus". In the long run rebalncing is going to reduce your return not give you a bonus. This is pretty clear when we are talking stocks and bond...
by iceport
Thu Feb 15, 2018 11:52 am
Forum: Investing - Theory, News & General
Topic: Do you currency hedge Int'l?
Replies: 18
Views: 828

Re: Do you currency hedge Int'l?

I do not currency hedge international because it defeats the purpose of reducing correlation with domestic. Ok, I understand the diversification benefit, but there's also a currency risk, particularly if you are retired say and you are withdrawing from your portfolio: if a big chunk of it has forei...
by iceport
Thu Feb 15, 2018 10:00 am
Forum: Investing - Theory, News & General
Topic: RBD alert [Really Bad Day]
Replies: 86
Views: 10049

Re: RBD alert [Really Bad Day]

Huh. That's it? That's all there is to employing the fabled RBD System of market timing? You can even wait until the market closes, then just check rebalancing bands? This sure seems anticlimactic, hardly worthy of an "alert." In the worst case scenario — say someone doesn't get the alert in time —...
by iceport
Wed Feb 14, 2018 11:24 pm
Forum: Investing - Help with Personal Investments
Topic: Gut check: is this lifestyle creep?
Replies: 37
Views: 5427

Re: Gut check: is this lifestyle creep?

If someone makes 100k and saves 35%, spends 65% and then earns 200k and still saves 35% there is no change in relative savings or spending. Are you saying that if a person doubles their spending, as long as their relative saving rate stays the same it's not lifestyle creep? Seriously? This isn't wo...
by iceport
Wed Feb 14, 2018 7:37 pm
Forum: Investing - Theory, News & General
Topic: Using cFiresim
Replies: 14
Views: 1482

Re: Using cFiresim

So just to confirm, it sounds like yes one calculates based on portfolio highs. I do factor in a range of error to be conservative. That was not my advice. If you are not yet retired, you should use the current portfolio value, not the last peak portfolio value. There is nothing precise about this....
by iceport
Wed Feb 14, 2018 7:12 pm
Forum: Investing - Help with Personal Investments
Topic: Gut check: is this lifestyle creep?
Replies: 37
Views: 5427

Re: Gut check: is this lifestyle creep?

This is just my opinion but if you are saving 30% of your income and continue to do so in the future, lifestyle creep is irrelevant. +1 I would not call it lifestyle creep if it does not impact savings rate negatively and does not impact ones financial stability. You might agree that it is irreleva...
by iceport
Wed Feb 14, 2018 7:03 pm
Forum: Investing - Theory, News & General
Topic: Using cFiresim
Replies: 14
Views: 1482

Re: Using cFiresim

First, if you are using this version ( http://www.cfiresim.com/input.php ), you can set the data options in the upper right to investigate max initial spending and the minimum success rate to 100% (if that's really what you want). So you don't need trial and error for that. On your primary question,...
by iceport
Tue Feb 13, 2018 8:01 pm
Forum: Investing - Help with Personal Investments
Topic: Am I Wasting My Tax Deferred Space
Replies: 8
Views: 1317

Re: Am I Wasting My Tax Deferred Space

The question is just does it make sense to go all bonds in tax deferred. Thanks I think so, because it should be more tax-efficient overall. You've got a great bond fund to use in the 401k. I don't really follow the reasoning that a larger tax-deferred account would be better for your beneficiaries...
by iceport
Tue Feb 13, 2018 6:47 pm
Forum: Investing - Help with Personal Investments
Topic: Am I Wasting My Tax Deferred Space
Replies: 8
Views: 1317

Re: Am I Wasting My Tax Deferred Space

I have a portfolio that is is roughly 21% of the assets in tax deferred between a 401K (15%) and an IRA. I am comfortable with a 60/40 AA which I currently hold across all accounts. I am in the highest tax bracket in a high tax state and am considering shifting all of my FI to the 401K. In the 401K...
by iceport
Tue Feb 13, 2018 3:53 pm
Forum: Investing - Help with Personal Investments
Topic: Gut check: is this lifestyle creep?
Replies: 37
Views: 5427

Re: Gut check: is this lifestyle creep?

Am I courting lifestyle creep or are taxable savings taxable savings? I believe you are "courting" lifestyle creep. (That's a great way to put it.) That's not intended to be a judgement, just an observation. Everyone must find the right balance between preparing for the future and immediate gratifi...
by iceport
Tue Feb 13, 2018 8:37 am
Forum: Investing - Help with Personal Investments
Topic: Help with Tax Loss Harvesting
Replies: 41
Views: 1798

Re: Help with Tax Loss Harvesting

Wait! I said I choose not to tax loss harvest in a situation almost identical to the OP, and you tell me (a) that I am off topic and (b) that I should go read about tax loss harvesting???? Hope there’s still room in this forum for an old fashioned buy and hold investor. The disconnect is that if do...
by iceport
Mon Feb 12, 2018 1:22 pm
Forum: Investing - Help with Personal Investments
Topic: Are REITs essentially taboo for years now with rising rates?
Replies: 55
Views: 5219

Re: Are REITs essentially taboo for years now with rising rates?

What you are implying is market timing based on valuations which is a part of an active management approach which the data is pretty clear from the BSB and BHB studies is a losers game. Actually, it's even more "interesting" than that. As far as it's been explained to me (not very far), livesoft ba...
by iceport
Mon Feb 12, 2018 1:11 pm
Forum: Investing - Help with Personal Investments
Topic: Are REITs essentially taboo for years now with rising rates?
Replies: 55
Views: 5219

Re: Are REITs essentially taboo for years now with rising rates?

I will keep my 10% allocation to REITs and rebalance as needed (5% in a domestic REIT index and 5% in an int'l REIT index). Exactly the same here. 8-) My VNQ allocation was a real drag on my overall results last year. When my portfolio hit a major rebalancing band in December I decided to rebalance...
by iceport
Sun Feb 11, 2018 6:42 pm
Forum: Investing - Theory, News & General
Topic: Help new boglehead understand expense ratios
Replies: 11
Views: 792

Re: Help new boglehead understand expense ratios

I guess the short answer, then, is that you really should not try to compare two funds with different asset allocations. The ER is charged to the fund on an ongoing basis, and with rare exceptions possible, all fund returns are reported net of the expense ratio fees. Note: The fund returns DO NOT ac...
by iceport
Sun Feb 11, 2018 6:27 pm
Forum: Investing - Theory, News & General
Topic: Help new boglehead understand expense ratios
Replies: 11
Views: 792

Re: Help new boglehead understand expense ratios

Hi, It is my understanding that if you have two funds with the same average return the one with the lower expense ratio will have the better long term result, but I am not sure how to best compare two funds with different returns. I have some EKJAX (Wells Fargo Premier Large Company Growth ) in an ...
by iceport
Sun Feb 11, 2018 5:09 pm
Forum: Investing - Help with Personal Investments
Topic: Help with Tax Loss Harvesting
Replies: 41
Views: 1798

Re: Help with Tax Loss Harvesting

Wait! I said I choose not to tax loss harvest in a situation almost identical to the OP, and you tell me (a) that I am off topic and (b) that I should go read about tax loss harvesting???? Hope there’s still room in this forum for an old fashioned buy and hold investor. The disconnect is that if do...
by iceport
Sun Feb 11, 2018 4:58 pm
Forum: Investing - Theory, News & General
Topic: How does one emotionally keep it together during market swings?
Replies: 70
Views: 4088

Re: How does one emotionally keep it together during market swings?

It's interesting that we're already 11 replies deep and nobody's yet mentioned the obvious: Read the Bogleheads forum! I suppose that's a version of finding others you can trust to help keep your long term perspective intact. But that's a perfectly valid tactic. Just as professional money managers o...
by iceport
Sun Feb 11, 2018 2:39 pm
Forum: Investing - Theory, News & General
Topic: Just how safe is a short-term corporate bond fund?
Replies: 33
Views: 2929

Re: Just how safe is a short-term corporate bond fund?

I would throw out that a corporate index's NAV has market volatility to contend with in addition to potential changes in NAV due to interest rate changes. OTOH, an FDIC insured savings account has neither risk factor. While perhaps unmeasurable, that does have value and let's not forget the OP's po...
by iceport
Sun Feb 11, 2018 2:18 pm
Forum: Investing - Theory, News & General
Topic: A glidepath formula
Replies: 15
Views: 1777

Re: A glidepath formula

I took from them the idea that "becoming too conservative just when your portfolio gets large" can be a real mistake depending on life expectancy. My only contribution to this interesting thread is along the lines of the observation above. Your analysis does not challenge the decision to drop equit...
by iceport
Sun Feb 11, 2018 12:58 pm
Forum: Investing - Theory, News & General
Topic: Just how safe is a short-term corporate bond fund?
Replies: 33
Views: 2929

Re: Just how safe is a short-term corporate bond fund?

VSCSX is yielding about 2.3% or slightly less monthly over the last few months. It's NAV has declined .99% over the past 12 months. Net to you roughly 1.3%. Ally Bank currently paying 1.45% on savings accounts and is FDIC insured. Do not confuse SEC% with monthly yield and changes in NAV. I'd leave...
by iceport
Sun Feb 11, 2018 11:44 am
Forum: Investing - Theory, News & General
Topic: Just how safe is a short-term corporate bond fund?
Replies: 33
Views: 2929

Re: Just how safe is a short-term corporate bond fund?

VSCSX is yielding about 2.3% or slightly less monthly over the last few months. It's NAV has declined .99% over the past 12 months. Net to you roughly 1.3%. Ally Bank currently paying 1.45% on savings accounts and is FDIC insured. Do not confuse SEC% with monthly yield and changes in NAV. I'd leave...
by iceport
Sat Feb 10, 2018 6:30 pm
Forum: Investing - Theory, News & General
Topic: Just how safe is a short-term corporate bond fund?
Replies: 33
Views: 2929

Re: Just how safe is a short-term corporate bond fund?

livesoft wrote:
Sat Feb 10, 2018 6:25 pm
^Yes, but the chart was not supposed to have anything to do with VSCSX as noted in the post. :)
True, but the comparisons of a ST bond fund to an IT bond fund might not be appropriate for the OP's question.