Search found 15 matches

by mosilaby
Mon Feb 22, 2021 12:22 pm
Forum: Personal Investments
Topic: Suggestions for 27yo engineer, ~$1mm windfall, looking to DIY growth
Replies: 21
Views: 3988

Re: "Managing a Windfall"

I agree. There is no hurry to get the money invested so parking the money someplace real safe for six months or longer to learn more, come up with a plan, and get used to having the money is very reasonable. I've seen suggestions on other posts to sit on a windfall for 6-12 months while someone for...
by mosilaby
Sat Feb 20, 2021 10:32 am
Forum: Investing - Theory, News & General
Topic: Asset Allocation & Rebalance Google Sheet
Replies: 0
Views: 174

Asset Allocation & Rebalance Google Sheet

There are others out there, but here is a Google Sheet I created to monitor how far out of desired allocation a portfolio moves: Click for Asset Allocation & Rebalance Google Sheet Some notes: This is not my portfolio, just sample data Not intended to simply plug and play - You will need to look...
by mosilaby
Sat Feb 06, 2021 11:52 pm
Forum: Personal Investments
Topic: Merrill Edge best choice for higher net worth accounts?
Replies: 90
Views: 22533

Re: Merrill Edge best choice for higher net worth accounts?

I like Merrill Edge for everything except for our 529s (Vanguard wins here) and a Donor Advised Fund (Fidelity wins here). A lot of it is personal preference but I like both the Merrill Edge web and mobile apps. When I go to Vanguard to look at some of my wife's investments, I find it to be a bit co...
by mosilaby
Mon Feb 01, 2021 12:52 pm
Forum: Investing - Theory, News & General
Topic: Tax Equivalent Yield - Using Marginal Tax Rate? Include NII Tax?
Replies: 4
Views: 367

Re: Tax Equivalent Yield - Using Marginal Tax Rate? Include NII Tax?

Thanks for the replies everyone! This makes sense. I was coming at it from a low ordinary income, high bond allocation perspective and was already including the bond income to calculate the marginal rate. It's obvious to me now that this doesn't make sense. As a hypothetical, if one earns 50K in ord...
by mosilaby
Sun Jan 31, 2021 8:51 am
Forum: Investing - Theory, News & General
Topic: Tax Equivalent Yield - Using Marginal Tax Rate? Include NII Tax?
Replies: 4
Views: 367

Tax Equivalent Yield - Using Marginal Tax Rate? Include NII Tax?

Hi All, I've been trying to work through the calculations I have found here and elsewhere regarding tax equivalent yield to see if munis are worth it for me. So, here's the calc I find most places. They either just say "tax rate" or more frequently "marginal tax rate" Taxable Equ...
by mosilaby
Thu Jan 14, 2021 1:39 pm
Forum: Personal Investments
Topic: VTEB SEC Yield vs Merrill Edge Estimated Income
Replies: 3
Views: 335

Re: VTEB SEC Yield vs Merrill Edge Estimated Income

Thank you both for the replies. Very helpful! I'll be interested to see how income works out here in the upcoming year.
by mosilaby
Wed Jan 13, 2021 1:39 pm
Forum: Personal Investments
Topic: VTEB SEC Yield vs Merrill Edge Estimated Income
Replies: 3
Views: 335

VTEB SEC Yield vs Merrill Edge Estimated Income

Hi all, Vanguard Tax-Exempt Bond ETF (VTEB - https://investor.vanguard.com/etf/profile/VTEB) has a 30 day SEC yield of 0.98%. Merrill Edge has a nice "Estimated Investment Income" report that, by my calculations, has VTEB paying out about 1.99%. i.e. if I have $100K in VTEB, it estimates t...
by mosilaby
Sun Dec 13, 2020 1:06 pm
Forum: Investing - Theory, News & General
Topic: Short term bond ETF holding period (i.e. BSV)
Replies: 13
Views: 955

Re: Short term bond ETF holding period (i.e. BSV)

Thank you all for the replies! This has been helpful for me to understand some more of the mechanics of these bond etfs.
by mosilaby
Sun Dec 13, 2020 9:54 am
Forum: Investing - Theory, News & General
Topic: Short term bond ETF holding period (i.e. BSV)
Replies: 13
Views: 955

Re: Short term bond ETF holding period (i.e. BSV)

As pointed out above, the Yield To Maturity of the portfolio that makes up Vanguard's Short-Term Bond Fund (BSV) is 0.4% Maybe chalk this up to my misunderstanding. The 12-month yield is 1.90%. My understanding is that this is the sum of the prior 12 months interest. So, not the current or forward ...
by mosilaby
Sat Dec 12, 2020 11:43 pm
Forum: Investing - Theory, News & General
Topic: Short term bond ETF holding period (i.e. BSV)
Replies: 13
Views: 955

Short term bond ETF holding period (i.e. BSV)

Short term index ETFs such as BSV seem pretty stable, price-wise, and have a much better return than a high yield savings account. I understand that a fund such as BSV is comprised of 1-5 year bonds, but is there a rule of thumb for the minimum amount of time one should reasonably expect to keep mon...
by mosilaby
Sun Dec 06, 2020 10:27 pm
Forum: Investing - Theory, News & General
Topic: Database, R/Python package, or API for getting fund information
Replies: 11
Views: 1201

Re: Database, R/Python package, or API for getting fund information

If you're used to working/living in spreadsheets, you can use Google Sheets and pull data from google finance: https://support.google.com/a/users/answer/9308730?hl=en https://support.google.com/docs/answer/3093281 Example formula: =GOOGLEFINANCE("VTI") Other than that you can google "...
by mosilaby
Sat Oct 17, 2020 7:34 pm
Forum: Personal Investments
Topic: Strategy for selling ISOs
Replies: 6
Views: 695

Re: Strategy for selling ISOs

From the cost basis and the 83b for the early exercise, it sounds like she might have purchased the shares pretty early when the company was small-ish. If she meets the requirements for Qualified Small Business Stock you could pay 0% on the federal LT gains. The early exercise starts the clock earli...
by mosilaby
Tue Oct 13, 2020 6:00 pm
Forum: Personal Investments
Topic: How do I preserve what I have? Feeling jittery - please review portfolio?
Replies: 29
Views: 3610

Re: How do I preserve what I have? Feeling jittery - please review portfolio?

Tax Rate: 22% Federal, 6% State, city tax 3.87% As far as I know, PA has a flat 3.07% income tax rate: https://www.revenue.pa.gov/GeneralTaxInformation/Tax%20Types%20and%20Information/PIT/Pages/default.aspx#:~:text=Pennsylvania%20personal%20income%20tax%20is,not%20federally%20taxed%20as%20corporati...
by mosilaby
Mon Oct 05, 2020 1:48 pm
Forum: Personal Investments
Topic: Bond Funds - rebalance to include? understanding bond fund terms?
Replies: 5
Views: 617

Re: Bond Funds - rebalance to include? understanding bond fund terms?

Rather than reply individually to each post, thank you all for the helpful responses! This definitely put some clarity around #1 and #3. I see that my concern regarding on bond share price is irrelevant in the long term and I shouldn't worry about this. Risk tolerance is subjective and individual, s...
by mosilaby
Sat Oct 03, 2020 3:22 pm
Forum: Personal Investments
Topic: Bond Funds - rebalance to include? understanding bond fund terms?
Replies: 5
Views: 617

Bond Funds - rebalance to include? understanding bond fund terms?

Hi All! My first post, though I've been doing lots of research here. I have read the various wiki pages here on bonds as well as a ton of posts. 1) Bad time to get into bonds? I've been researching whether or not to diversify into bond Funds/ETFs (some munis for the tax efficiency and some others as...