Search found 139 matches

by Robert20
Sat Jul 04, 2020 5:33 pm
Forum: Personal Investments
Topic: Taxable account has higher returns?
Replies: 21
Views: 2100

Re: Taxable account has higher returns?

The max limit for a roth 401k is $19500 and IRA is $6000 per year Combined that is $25500 max limit per year. Taxable accounts have no limits. So if I'm investing $10k per month, I'll have way more money invested annually in the stock market correct? Even after paying the 15% long term capital gain...
by Robert20
Sat Jul 04, 2020 10:19 am
Forum: Personal Investments
Topic: Have muni bonds become too dangerous?
Replies: 86
Views: 7693

Re: Have muni bonds become too dangerous?

Any views on Vanguard Tax Exempt High Yield Bond fund? When the muni bond crash occurred in March I lost $50k in this fund in just one day. I always thought muni bonds were "safe" now we know they aren't. I have used this fund for years. I always knew there was risk because it was "high yield" but ...
by Robert20
Wed Jul 01, 2020 10:59 pm
Forum: Personal Investments
Topic: What is the best investment to have for 50 years?
Replies: 16
Views: 1907

Re: What is the best investment to have for 50 years?

dogagility wrote:
Wed Jul 01, 2020 9:42 pm
100% stock index fund. World index sounds about right to me.
Will it be there next 50 years?. How sure we will VT/VTWAX be there for next 50 years?
by Robert20
Sun Jun 28, 2020 7:59 pm
Forum: Personal Investments
Topic: Tax Loss Harvest Question
Replies: 29
Views: 1154

Re: Tax Loss Harvest Question

nix4me wrote:
Sat Jun 27, 2020 2:59 pm
My wife invests every month in VTSAX in her Roth IRA.
I want to sell some shares of VTI in our taxable account, and buy VOO.

Is this a wash sale?
One in Roth and one in Taxable.. I dont think you can do TLH in Roth.
by Robert20
Sun Jun 28, 2020 3:28 pm
Forum: Personal Investments
Topic: Am I Headed for a Retirement Tax Bomb?
Replies: 66
Views: 9400

Re: Am I Headed for a Retirement Tax Bomb?

About how much did you save in total taxes? Which meant that you spent how much on taxes now to save how much later? This is the wrong question. It does not work that way. You will almost always pay more tax if you pay it later rather than earlier. This is because your accounts are usually growing....
by Robert20
Sat Jun 27, 2020 2:44 pm
Forum: Personal Investments
Topic: Am I Headed for a Retirement Tax Bomb?
Replies: 66
Views: 9400

Re: Am I Headed for a Retirement Tax Bomb?

We've been very disciplined to get where we are. I don't want tax ignorance to screw us up when we start accessing the fruits of our labor. CF About 20 years before retirement I was warned by a financial advisor about taxes. I was told be careful, you may have your head handed to you. Unfortunately...
by Robert20
Wed Jun 17, 2020 10:46 pm
Forum: Personal Investments
Topic: Market downtrend expected?
Replies: 9
Views: 1249

Market downtrend expected?

Is market downtrend expected in near future?. If so, would it be wise to move to CASH or continue as is.

What would be the suggestion?

Stay the course is best option?
by Robert20
Wed Jun 17, 2020 10:44 pm
Forum: Personal Investments
Topic: selling ETFs, buying Mutual Funds
Replies: 27
Views: 1506

Re: selling ETFs, buying Mutual Funds

MF have front load fees.. ETFs dont have any. As per me, ETFs are best.
by Robert20
Sat Jun 13, 2020 6:03 pm
Forum: Personal Investments
Topic: 401K At work and traditional IRA
Replies: 13
Views: 486

Re: 401K At work and traditional IRA

Are you all saying nerdwallet link/message is incorrect?

https://www.nerdwallet.com/taxes/tax-ca ... nw_gn2_4.0

https://postimg.cc/TyL6TkYF
by Robert20
Sat Jun 13, 2020 4:07 pm
Forum: Personal Investments
Topic: 401K At work and traditional IRA
Replies: 13
Views: 486

Re: 401K At work and traditional IRA

It depends on your salary, but it sounds like in your case, the answer is no, you can't make a deductible contribution to your IRA. How much you contribute to the 401k is completely irrelevant to your IRA, just the fact that you have a 401k available to you. so which is true?.. Post #2 or Post #3?....
by Robert20
Sat Jun 13, 2020 3:43 pm
Forum: Personal Investments
Topic: 401K At work and traditional IRA
Replies: 13
Views: 486

Re: 401K At work and traditional IRA

It depends on your salary, but it sounds like in your case, the answer is no, you can't make a deductible contribution to your IRA. How much you contribute to the 401k is completely irrelevant to your IRA, just the fact that you have a 401k available to you. so which is true?.. Post #2 or Post #3?....
by Robert20
Sat Jun 13, 2020 3:12 pm
Forum: Personal Investments
Topic: 401K At work and traditional IRA
Replies: 13
Views: 486

401K At work and traditional IRA

Quick question.. If employer offers 401k and if I maximize (or pay 10K only), cant I allowed to invest in traditional IRA for tax deduction?. This shows I am not eligible.. If you already contribute to a 401(k), contributing to an IRA will not have tax benefits. https://www.nerdwallet.com/taxes/tax-...
by Robert20
Sat Jun 13, 2020 2:55 pm
Forum: Personal Investments
Topic: Roth IRA most aggressive fund
Replies: 26
Views: 1957

Re: Roth IRA most aggressive fund

Dakota wrote:
Sat Jun 13, 2020 10:57 am
what is the most aggressive vanguard fund or other, for Roth IRA, more than likely Roth will be used for heirs and charity within 20 years.
VTI and VUG
by Robert20
Thu Jun 11, 2020 10:33 pm
Forum: Personal Investments
Topic: Should I get rid of my Variable Universal Life Insurance?
Replies: 18
Views: 1178

Re: Should I get rid of my Variable Universal Life Insurance?

So far, I have contributed $360,000 into the Variable Universal Life Insurance policy ($72,000 for the past 5 years). My goal in purchasing this plan was to have more money saved for retirement since I am maxing out the other retirement vehicles. I realize now that I may have made a bad mistake in ...
by Robert20
Wed Jun 10, 2020 3:30 pm
Forum: Personal Investments
Topic: VTSAX vs. VFIAX - What Am I Missing?
Replies: 50
Views: 3193

Re: VTSAX vs. VFIAX- I'm Struggling!

Hyperchicken wrote:
Wed Jun 10, 2020 2:58 pm
There is small different in taxation.

VFIAX is 100% qualified dividends.

VTSAX is mostly qualified dividends, and a little bit of section 199A dividends.
So VFIAX is better from tax purposes (if held in taxable account)?
by Robert20
Tue Jun 09, 2020 9:17 pm
Forum: Personal Investments
Topic: Portfolio to sleep better
Replies: 39
Views: 2855

Re: [Would like to setup a three-fund portfolio]

[Moved into a new thread from: The Three-Fund Portfolio --admin LadyGeek] We are on a Target Date Plan in our workplace retirement account. We started rather late to contribute to 401k accounts and enjoyed seeing the growth of our investment in the last couple of years (thanks to the aggressive sto...
by Robert20
Tue Jun 09, 2020 7:34 am
Forum: Personal Investments
Topic: Sell ETF before dividend distribution or after?
Replies: 5
Views: 339

Re: Sell ETF before dividend distribution or after?

HappyJack wrote:
Tue Jun 09, 2020 7:26 am
I am planning on selling etf VEU (in a taxable account) I should get a $700 dividend June 30. Should I sell before the distribution or after. Thanks.
you can sell 1 day after ex-dividend date... You get amount credited on payment date.
by Robert20
Tue Jun 09, 2020 7:19 am
Forum: Personal Investments
Topic: Chasing Individual Stocks
Replies: 60
Views: 3849

Re: Chasing Individual Stocks

Cruises and airlines are absolutely skyrocketing, Norweigian is up 107% since it's lows in April, CCL - Carnival is up 100%, airlines DAL, AA is up 60% The funny part about cruises is that nothing has fundamentally changed - there isn't any new information that cruising is going to pick up, it's pu...
by Robert20
Sun Jun 07, 2020 8:11 pm
Forum: Personal Investments
Topic: What to buy in taxable, Fidelity
Replies: 36
Views: 2843

Re: What to buy in taxable, Fidelity

Suggestions from me..

VTI and VTEB in taxable accounts.
by Robert20
Sun Jun 07, 2020 2:09 pm
Forum: Personal Investments
Topic: Investment Portfolio Feedback
Replies: 13
Views: 793

Re: Investment Portfolio Feedback

Also buy VT instead of VXUS.. VT covers 50% of intl. So will be Positive in most years...
by Robert20
Sun Jun 07, 2020 10:53 am
Forum: Personal Investments
Topic: 401k Options
Replies: 20
Views: 747

Re: 401k Options

The expense ratios are in order to the funds listed above. 1.42% American Funds Growth Fund Of America R2 1.49% American Funds 2055 Target Date Retirement R2 1.41% American Funds 2010 Target Date Retirement R2 1.41% American Funds 2015 Target Date Retirement R2 1.41% American Funds 2020 Target Date...
by Robert20
Fri Jun 05, 2020 3:29 pm
Forum: Personal Investments
Topic: FDIC Insurance above $250K
Replies: 21
Views: 1243

Re: FDIC Insurance above $250K

Can one allocate CDs across several banks with total value of 250K at each bank and maintain FDIC insurance for all, or is $250K the maximum FDIC protection for all CDs (checking/savings/MMDA/CDs) at all banks? Am referring to accounts for a single person not living in Mass. I have read about CDARS...
by Robert20
Fri Jun 05, 2020 2:02 pm
Forum: Personal Investments
Topic: Small BND Position in taxable account
Replies: 5
Views: 594

Re: Small BND Position in taxable account

Hello Bogleheads, I am managing a small sum for a family member in a taxable account. She was lucky enough to buy all stocks at the bottom and today she instructed me to move 30% to bonds. I have moved the 30% to cash. The 30% is a four-figure sum. She does not want to hold the bond fund in a Roth ...
by Robert20
Thu Jun 04, 2020 8:34 pm
Forum: Personal Investments
Topic: Mutual Fund Minimum
Replies: 11
Views: 901

Re: Mutual Fund Minimum

At Vanguard, the $3,000 initial investment is per mutual fund you intend to use. So if you wanted to start off with US Stocks (VTSAX) and US Bonds (VBTLX) you could put $3,000 in each fund. Eventually, when you have enough saved up, you could branch out into International Stocks (VTIAX). If you don...
by Robert20
Thu Jun 04, 2020 3:02 pm
Forum: Personal Investments
Topic: Rebalancing from a 100% stock portfolio.
Replies: 19
Views: 1796

Re: Rebalancing from a 100% stock portfolio.

Why to sell stocks now?. Cant you just buy bonds from now onwards?
by Robert20
Tue Jun 02, 2020 6:07 pm
Forum: Personal Investments
Topic: Does every one here only have 3 funds in their portfolios?
Replies: 131
Views: 8067

Re: Does every one here only have 3 funds in their portfolios?

I just placed sell orders for all the mutual funds & ETFs that are not total stock / bond / international markets index funds. I understand that this is Bogleheads and that this is also deeply personal but is the 3 fund portfolio the norm here? I don't intend to offend anyone. We've been with this ...
by Robert20
Tue Jun 02, 2020 6:00 pm
Forum: Personal Investments
Topic: Moving from Municipal Bonds to...?
Replies: 5
Views: 761

Re: Moving from Municipal Bonds to...?

Worries about municipal bonds being called makes for an anxious state of mind. The entire portfolio is composed of Triple A, insured bonds. I depend on the interest payments amounting to 46,000/yr. Thinking of moving to Vanguard for allocation for the purpose of avoiding a depletionary future. Advi...
by Robert20
Sun May 31, 2020 11:20 am
Forum: Personal Investments
Topic: New Investor how much to invest ?
Replies: 13
Views: 778

Re: New Investor how much to invest ?

Age 44+ Spouse 40 New to investing. Currently I have Roth ira with vanguard from 6 years (40K+). Roth IRa is also Vanguard target date fund. I don't have any 401K Spouse has 401K from employer ( 200K+). Vanguard target date fund. Our Cash was sitting in CDs all these years or was sitting in money m...
by Robert20
Sat May 30, 2020 1:14 pm
Forum: Personal Investments
Topic: M1 or SoFi Customer Service
Replies: 28
Views: 998

Re: M1 or SoFi Customer Service

I've done semi-monthly automatic mutual fund purchases for 20 years, and would like to start doing that with ETFs. None of the brokerages I use (Vanguard, Fidelity, TDA, Chase) support that. The only way that I've found is through M1 or SoFi. M1 is currently running a promo with up to $2500 transfe...
by Robert20
Fri May 29, 2020 8:11 pm
Forum: Investing - Theory, News & General
Topic: 70/30 - Expected Real Return?
Replies: 69
Views: 5186

Re: 70/30 - Expected Real Return?

I also have 70/30 as my AA. I don't think you are being conservative with the 4% real return. I think that isn't a bad guess and time will tell what will happen. If you happened to use the bottom of the recent drop as your starting point for your 4% that would help your numbers. Why everyone uses j...
by Robert20
Thu May 28, 2020 12:24 pm
Forum: Personal Investments
Topic: Buying Voo - Robinhood or Vanguard?
Replies: 41
Views: 1790

Re: Buying Voo - Robinhood or Vanguard?

I'm about to put money into VOO on a regular basis (DCA, taxable account). Is there any advantage/disadvantage to buy VOO via Robinhood App or should I buy it directly at the source (Vanguard)? Robinhood does now fractional shares so that might be something which is cool since I could just buy in d...
by Robert20
Wed May 27, 2020 9:15 pm
Forum: Personal Investments
Topic: Using VGT in portfolio
Replies: 19
Views: 1067

Re: Using VGT in portfolio

Hi, I have an aggressive portfolio with 90% stocks (mostly Index funds) and 10% bonds (mostly VBTLX), as I am still young. I want to add more weightage to tech companies in my portfolio. I was thinking of allocating 10% of my portfolio to VGT, under the assumption that VGT will (mostly) outperform ...
by Robert20
Wed May 27, 2020 1:43 pm
Forum: Personal Investments
Topic: VIG vs VYM ROTH IRA
Replies: 12
Views: 395

Re: VIG vs VYM ROTH IRA

Hey all, I am 30 years old and have a Roth IRA with VTI and VXUS. I was thinking of adding a dividend ETF such as VIG or VYM and was seeing which on would be better in my situation. Or even just keep adding to VTI and not even bother with the dividend etfs. I obviously have a good amount of time so...
by Robert20
Wed May 27, 2020 1:08 pm
Forum: Personal Investments
Topic: VIG vs VYM ROTH IRA
Replies: 12
Views: 395

Re: VIG vs VYM ROTH IRA

Hey all, I am 30 years old and have a Roth IRA with VTI and VXUS. I was thinking of adding a dividend ETF such as VIG or VYM and was seeing which on would be better in my situation. Or even just keep adding to VTI and not even bother with the dividend etfs. I obviously have a good amount of time so...
by Robert20
Tue May 26, 2020 5:18 pm
Forum: Personal Investments
Topic: Taxable account has higher returns?
Replies: 21
Views: 2100

Re: Taxable account has higher returns?

The max limit for a roth 401k is $19500 and IRA is $6000 per year Combined that is $25500 max limit per year. Taxable accounts have no limits. So if I'm investing $10k per month, I'll have way more money invested annually in the stock market correct? Even after paying the 15% long term capital gain...
by Robert20
Mon May 25, 2020 6:55 pm
Forum: Personal Investments
Topic: Taxable account has higher returns?
Replies: 21
Views: 2100

Re: Taxable account has higher returns?

The max limit for a roth 401k is $19500 and IRA is $6000 per year Combined that is $25500 max limit per year. Taxable accounts have no limits. So if I'm investing $10k per month, I'll have way more money invested annually in the stock market correct? Even after paying the 15% long term capital gain...
by Robert20
Mon May 25, 2020 9:27 am
Forum: Personal Investments
Topic: Fun Money in Health Stocks
Replies: 11
Views: 1164

Re: Fun Money in Health Stocks

renegade06 wrote:
Mon May 25, 2020 8:22 am
I like investing “fun money” in ARKG. The fund invests in innovative/next generation medical technology. The fund manager, Cathie Wood, is excellent.

Out of 36 stocks they, top 10 contributes 60%.. Vow too risky ...

Instead why dont u invest in all 36 stocks in M1finance and avoid 0.75% ER?
by Robert20
Sun May 24, 2020 9:16 pm
Forum: Personal Investments
Topic: Time until money doubles
Replies: 26
Views: 2658

Re: Time until money doubles

stocknoob4111 wrote:
Sun May 24, 2020 8:41 pm
The projection going forward is about 3% return on stocks and zero on bonds so effective growth at 2.55% using rule of 72 would give you around 29 years or so for your money to double.
Just 3% for next 20 years? Really?
by Robert20
Sun May 24, 2020 2:21 pm
Forum: Personal Investments
Topic: Why Vanguard Seems to Be Pushing Us Towards ETFs?
Replies: 50
Views: 4800

Re: Why Vanguard Seems to Be Pushing Us Towards ETFs?

I'm curious to get perspective from others on what appears to be a gradual shift in Vanguard's preference for its customers to use their ETFs in lieu of their mutual funds. They prominently tout how easy it is to convert from MFs to ETFs. I'm hearing that their PAS will eventually no longer support...
by Robert20
Sat May 23, 2020 11:21 pm
Forum: Personal Investments
Topic: Two bond funds, same index, vastly different maturities
Replies: 9
Views: 828

Re: Two bond funds, same index, vastly different maturities

Welcome to the forum. The iShares fund statistic "Weighted average maturity" is considering the bonds may be prepaid or called before the scheduled maturity date. See the info bubble next to the statistic. From the Vanguard page, they show the average stated maturity for the benchmark is 13.1 years...
by Robert20
Sat May 23, 2020 1:17 pm
Forum: Personal Investments
Topic: Chasing Individual Stocks
Replies: 60
Views: 3849

Re: Chasing Individual Stocks

Yeah, that's gutsy. I can't imagine putting $100K into ONE stock. I've heard that old saying ... no guts, no glory... Anyone who's got ~$2M in TSM/S&P500 (which seemingly is most bogleheads) has $100k or more in MSFT and in AAPL. Good question... So what happens to VTI if tomorrow microsoft/APPLE f...
by Robert20
Wed May 20, 2020 9:43 pm
Forum: Personal Investments
Topic: View ETF Returns for 1 week / month
Replies: 8
Views: 359

Re: View ETF Returns for 1 week / month

How can I view 1 week, 1 month, 3 months, 6 months, 1 year YTD performance for ETF / Mutual Funds? I find it easier to see the ETF / Mutual fund performance at different time intervals in a tabular format. Vanguard does not offer granularity for less than a year. Did not see such an option in Yahoo...
by Robert20
Wed May 20, 2020 5:59 pm
Forum: Personal Investments
Topic: Best place to gradually save $6000 to max-out Roth IRA contribution in January
Replies: 54
Views: 3909

Re: Best place to gradually save $6000 to max-out Roth IRA contribution in January

So sorry -- it turns out I have a more follow up question: Context : 1) I have maxed my 2020 IRA contribution 2) I am now purchasing VTI in a taxable, with possibility of selling them to fund my 2021 Roth in 01/2021 (see below). 3a) If by the end of the year I can TLH, I will, and repurchase VTI in...
by Robert20
Wed May 20, 2020 10:42 am
Forum: Personal Investments
Topic: Individual stock for son's birthday
Replies: 54
Views: 4520

Re: Individual stock for son's birthday

Hello, I am thinking of buying a couple of shares of stock for my son's birthday. What I have in mind is something that has a large appreciation potential, but not something that is completely ridiculous like penny stocks. In other words, I would like to be aggressive but not crazy. Any ideas? This...
by Robert20
Tue May 19, 2020 4:25 pm
Forum: Personal Investments
Topic: ETF versus MF
Replies: 29
Views: 1559

Re: ETF versus MF

In my opinion, ETFs are better: 1. Lower expense ratios: This is important outside the Vanguard universe, where expense ratios are higher. This is especially important when you invest in foreign stocks, because foreign stock funds (especially emerging markets) have higher expense ratios. 2. Lower t...
by Robert20
Tue May 19, 2020 11:23 am
Forum: Personal Investments
Topic: Best place to hold 100k emergency fund?
Replies: 25
Views: 2384

Re: Best place to hold 100k emergency fund?

Hello I need recommendations on where to hold EF? Up to this point I’ve held in a large bank earning next to nothing Thanks Assuming u dont need entire 100K imdtly at any point in time.... say u need only 30K imdtly.. U can keep this 30K in online savings bank which earns 1.5% interest. Remaining 7...
by Robert20
Tue May 19, 2020 11:19 am
Forum: Personal Investments
Topic: Best place to gradually save $6000 to max-out Roth IRA contribution in January
Replies: 54
Views: 3909

Re: Best place to gradually save $6000 to max-out Roth IRA contribution in January

Open discover bank online savings account and fund IRA via that. Whatever money sitting there, it earns 1.5% interest.
by Robert20
Mon May 18, 2020 6:44 pm
Forum: Personal Investments
Topic: Did I choose wrong index and allocations?
Replies: 19
Views: 2102

Re: Did I choose wrong index and allocations?

Blue55 wrote:
Mon May 18, 2020 6:17 pm
You can withdraw your Roth IRA contributions (but not earnings) at any time for any reason. So fund the Roth IRA. In an emergency you can pull it out.
After 5 years?.. right?
by Robert20
Mon May 18, 2020 3:13 pm
Forum: Personal Investments
Topic: Best place to gradually save $6000 to max-out Roth IRA contribution in January
Replies: 54
Views: 3909

Re: Best place to gradually save $6000 to max-out Roth IRA contribution in January

Hello! Is there a recommend method for saving/"storing" $6,000 over the course of each year for the purpose of maxing out a Roth IRA contribution at the start of each new year? My initial thought is to gradually over-fund an emergency fund by $6,000, and then transfer it to my Roth IRA for each new...
by Robert20
Mon May 18, 2020 1:40 pm
Forum: Personal Investments
Topic: Trading vs. Holding
Replies: 72
Views: 2284

Re: Trading vs. Holding

Show me which one of your ETFs or mutual funds you picked up last week beat my trades? I'll be holding my breath How much time u r spending to research/bu/sell etc? I was taught about money and stocks beginning at a young age.....I am a trustee of about $20 million dollars in trust accounts that ha...