Search found 671 matches

by JustinR
Fri Aug 10, 2018 5:03 am
Forum: Investing - Theory, News & General
Topic: The Final, Definitive Thread on Brokerage Transfer Bonuses
Replies: 1119
Views: 193793

Re: The Final, Definitive Thread on Brokerage Transfer Bonuses

Reposting my question for the new page: When a brokerage matches another brokerage's bonus offer, do they also match the time-to-hold limits? For example, if ME requires you to hold the money there for 3 months, but TDA requires one year, would TDA: A) match ME's bonus along with the 3 month timefra...
by JustinR
Thu Aug 09, 2018 5:48 am
Forum: Investing - Theory, News & General
Topic: Fidelity Files for two Fidelity ZERO℠ Funds (0.00% ER total stock and total international mutual funds)
Replies: 619
Views: 51907

Re: Fidelity Files for two Fidelity ZERO℠ Funds (0.00% ER total stock and total international mutual funds)

So after total costs (expense ratios and tax efficiency both considered), which comes out ahead: the Fidelity ZERO funds or their Vanguard equivalents?

In other words, which costs less in a taxable account?
by JustinR
Wed Aug 08, 2018 8:34 pm
Forum: Investing - Help with Personal Investments
Topic: Investment Advice - Lump sum investing
Replies: 15
Views: 1139

Re: Investment Advice - Lump sum investing

What's your question?

Correct, lump sum is better than DCA.
by JustinR
Mon Aug 06, 2018 6:58 pm
Forum: Investing - Theory, News & General
Topic: "Don't Obsess About Expense Ratios"
Replies: 209
Views: 17223

Re: "Don't Obsess About Expense Ratios"

I like how Bogleheads philosophy has been "all things equal, keep your expense ratios as low as possible because that's the only thing you can control and best predictor of success, it's just math!" Then a non-Vanguard company comes out with lower fees and the forums are now full of "well actually i...
by JustinR
Mon Aug 06, 2018 4:34 pm
Forum: Investing - Theory, News & General
Topic: "Age in Bonds" fails almost everyone
Replies: 217
Views: 12541

Re: "Age in Bonds" fails almost everyone

A bunch of stuff All you did was compare one arbitrary allocation (age in bonds) to another (target retirement funds) while declaring one of them to be "right" and therefore the other one automatically "fails". You could've saved everybody time by just saying "Age in bonds fails because it's not th...
by JustinR
Mon Aug 06, 2018 2:12 am
Forum: Investing - Theory, News & General
Topic: Fidelity Files for two Fidelity ZERO℠ Funds (0.00% ER total stock and total international mutual funds)
Replies: 619
Views: 51907

Re: Fidelity Files for two Fidelity ZERO℠ Funds (0.00% ER total stock and total international mutual funds)

I have about $60,000 in a Vanguard taxable account, in vtsax. This is my only taxable mutual fund investment. I'm going to give it about 1 month, for Vanguard to respond. That should be enough time, don't you guys think? At that time, I'm moving this entire modest taxable account to Fidelity. 0.00%...
by JustinR
Fri Aug 03, 2018 6:32 am
Forum: Investing - Theory, News & General
Topic: The Final, Definitive Thread on Brokerage Transfer Bonuses
Replies: 1119
Views: 193793

Re: The Final, Definitive Thread on Brokerage Transfer Bonuses

When a brokerage matches another brokerage's bonus offer, do they also match the time-to-hold limits? For example, if ME's clawback timeframe is 3 months, but TDA's is one year, would TDA:

A) match ME's bonus along with the 3 month timeframe, or
B) match ME's bonus but with a 1 year timeframe?
by JustinR
Wed Aug 01, 2018 8:38 pm
Forum: Investing - Theory, News & General
Topic: Fidelity Files for two Fidelity ZERO℠ Funds (0.00% ER total stock and total international mutual funds)
Replies: 619
Views: 51907

Re: Fidelity Files for two Fidelity ZERO℠ Funds (0.00% ER total stock and total international mutual funds)

1) Will they offer ETF equivalents?

2) What's to stop other brokerages from offering the same funds? Fidelity offers Vanguard funds does it not?
by JustinR
Wed Aug 01, 2018 8:35 pm
Forum: Investing - Help with Personal Investments
Topic: HSA's - when does it make sense?
Replies: 37
Views: 3180

Re: HSA's - when does it make sense?

Use Lively as your HSA custodian. $2.50 a month and you have access to all available funds and ETFs at TD Ameritrade.
by JustinR
Sun Jul 29, 2018 5:25 am
Forum: Investing - Theory, News & General
Topic: Help Me Understand Bond Funds
Replies: 13
Views: 1239

Re: Help Me Understand Bond Funds

To me, the hard thing to tell about how my bond funds are performing are all the dividends. Your fund could be lower than what you bought it at but you actually made it up in dividends. This applies to equities too, I guess. But with equities you have an easier at-a-glance way to tell how it's perfo...
by JustinR
Sun Jul 29, 2018 4:47 am
Forum: Investing - Theory, News & General
Topic: The Final, Definitive Thread on Brokerage Transfer Bonuses
Replies: 1119
Views: 193793

Re: The Final, Definitive Thread on Brokerage Transfer Bonuses

I thought I'd give an update on Fidelity since the decent promos they have are unlisted and require calling them. I started with 'Etrade is offering $2500 for 1mil+ plus 500 trades for 60 days, can you match and what are your bonuses at other levels in case I decide to transfer in more?'. $1mil-$2....
by JustinR
Fri Jul 20, 2018 9:06 pm
Forum: Investing - Help with Personal Investments
Topic: Saturna/Lively HSA question
Replies: 7
Views: 431

Re: Saturna/Lively HSA question

Yea OP, looks like you might be able to do a rollover for free if you want to leave Saturna. Worth looking into.
by JustinR
Fri Jul 20, 2018 7:04 pm
Forum: Investing - Help with Personal Investments
Topic: Saturna/Lively HSA question
Replies: 7
Views: 431

Re: Saturna/Lively HSA question

What is Saturna's monthly fee if any?

What does early closure fee mean? Did you mean account closure?
by JustinR
Fri Jul 20, 2018 5:20 pm
Forum: Investing - Theory, News & General
Topic: Invest in Tesla?
Replies: 306
Views: 19388

Re: Invest in Tesla?

Absolutely not.
by JustinR
Fri Jul 20, 2018 2:58 pm
Forum: Investing - Theory, News & General
Topic: Is HSA Bank + TD Ameritrade still the best HSA choice?
Replies: 81
Views: 15697

Re: Is HSA Bank + TD Ameritrade still the best HSA choice?

I've decided to transfer my HSA Bank/TDA Brokerage HSA account to Lively. - Have people been assessed an exit fee by HSA Bank? - I gather that I should first go through the process of setting up the account at Lively, get my bank setup with them too and then after getting all that done, email Livel...
by JustinR
Thu Jul 12, 2018 1:53 am
Forum: Investing - Help with Personal Investments
Topic: Target date funds....unsophisticated?
Replies: 64
Views: 4758

Re: Target date funds....unsophisticated?

Quick post here.... Myself and my wife are currently maxing out our Roth’s with Vanguard 2055 funds....we are also funding employer matiching accounts, taxable, etc....but wanted to focus on the target date funds. I recently read a post of a member where they called target date funds “unsophisticat...
by JustinR
Wed Jul 11, 2018 6:01 pm
Forum: Investing - Theory, News & General
Topic: The Final, Definitive Thread on Brokerage Transfer Bonuses
Replies: 1119
Views: 193793

Re: The Final, Definitive Thread on Brokerage Transfer Bonuses

Ally Trading has some decent bonuses (I posted on these a few months back, but they don't seem to have changed) Make sure that you're a totally new customer to Ally/Tradeking. Also, last I checked, you needed to make some transactions at about $15 total. You can get the same $200 for 25k transfer e...
by JustinR
Tue Jul 10, 2018 8:20 pm
Forum: Investing - Theory, News & General
Topic: Home ownership vs investing -- condos vs renting, etc
Replies: 108
Views: 5703

Re: Home ownership vs investing -- condos vs renting, etc

Renting is financially better than buying a house mainly due to the existence of apartments. For a renter, this means you're able to rent a place smaller than a house. You can rent the exact amount of space you need and no more. I certainly advocate not buying a bigger home than one needs. My under...
by JustinR
Tue Jul 10, 2018 7:43 pm
Forum: Investing - Theory, News & General
Topic: Home ownership vs investing -- condos vs renting, etc
Replies: 108
Views: 5703

Re: Home ownership vs investing -- condos vs renting, etc

You actually lose money by buying a house instead of renting an apartment. Why do you think so? I would like to hear more about that. In terms of personal lifestile, I am fine renting at this point. I'm really mostly interested in the financial aspect. Renting is financially better than buying a ho...
by JustinR
Tue Jul 10, 2018 6:44 pm
Forum: Investing - Theory, News & General
Topic: Home ownership vs investing -- condos vs renting, etc
Replies: 108
Views: 5703

Re: Home ownership vs investing -- condos vs renting, etc

You actually lose money by buying a house instead of renting an apartment. So your assertion that buying reduces living costs is incorrect right off the bat. Buying a house is a lifestyle choice, not a financial one. Many people understand this and buy a house anyway. In this case it's not seen as a...
by JustinR
Sun Jul 08, 2018 8:38 pm
Forum: Investing - Theory, News & General
Topic: Why 3-funds and not 4-funds or even 2-funds?
Replies: 56
Views: 4607

Re: Why 3-funds and not 4-funds or even 2-funds?

Nobody said you can't use a 1-fund, 2-fund, or 4-fund using the same philosophy as the 3-fund.

It's perfectly fine.

What the 3-fund gets you is flexibility in your international allocation preference (different for everyone) and tax efficiency optimization. That's it.
by JustinR
Sat Jul 07, 2018 10:27 pm
Forum: Investing - Help with Personal Investments
Topic: Pitfalls of real estate investing
Replies: 39
Views: 4164

Re: Pitfalls of real estate investing

Your dad's making a mistake. He would get better returns with the three-fund portfolio and with 10,000% less stress.
by JustinR
Sat Jul 07, 2018 5:04 am
Forum: Investing - Help with Personal Investments
Topic: Tech tilt as hedge against rising cost of living in Bay Area
Replies: 37
Views: 2966

Re: Tech tilt as hedge against rising cost of living in Bay Area

Again, I'd want some evidence that linked the cost of living in that area to tech stocks. Something must be causing cost of living increase. Tech compensation explains it, I can't think of other reason at the moment. Isn't it actually due to scarcity of housing? Crazy high demand, physically limite...
by JustinR
Sat Jul 07, 2018 12:22 am
Forum: Investing - Help with Personal Investments
Topic: Where to put international?
Replies: 35
Views: 3549

Re: Where to put international?

The spreadsheet takes into account the foreign tax credit, which you only get in taxable. So, for VXUS if the efficiency number is higher than VTI (for example) that means that even with the foreign tax credit , VXUS is still less tax efficient than VTI. So in this case you should put VXUS in tax-a...
by JustinR
Thu Jul 05, 2018 6:22 pm
Forum: Investing - Help with Personal Investments
Topic: 401k - Target Retirement Fund a good idea?
Replies: 6
Views: 661

Re: 401k - Target Retirement Fund a good idea?

Yes, go with the target retirement fund 100%. Once you're more knowledgeable and have other accounts (IRA, taxable, etc) you may split it up into separate funds for optimal tax efficiency (if you want to). Right now that's not important at all. What's important is you get started as soon as possible...
by JustinR
Thu Jul 05, 2018 3:20 pm
Forum: Investing - Help with Personal Investments
Topic: Where to put international?
Replies: 35
Views: 3549

Re: Where to put international?

I'm looking at the spreadsheet https://www.bogleheads.org/forum/viewtopic.php?t=242137 Can somebody help me understand? - Why are QDI tax rate is 23.8%? - The assumption seems to be tax-sheltered account, right? I don't see tax credit any place I thought that the point of the OP is relative tax-eff...
by JustinR
Thu Jul 05, 2018 5:20 am
Forum: Investing - Help with Personal Investments
Topic: Where to put international?
Replies: 35
Views: 3549

Re: Where to put international?

I suppose if you live in a state that has no income tax and your income is so low that you don't pay federal income taxes either, international is more tax efficient than US. For most people, international is less tax efficient than US. OP would need to plug in his own numbers into the spreadsheet ...
by JustinR
Thu Jul 05, 2018 5:01 am
Forum: Investing - Help with Personal Investments
Topic: Where to put international?
Replies: 35
Views: 3549

Re: Where to put international?

Place international in your tax-advantaged accounts. Would you recommend that for me as well? Even though I am being PAID by the IRS (tax credit more than fund ERs plus fund taxes) to hold international in my taxable account? As others have noted, it's not one size fits all. I suppose if you live i...
by JustinR
Thu Jul 05, 2018 4:31 am
Forum: Investing - Help with Personal Investments
Topic: Where to put international?
Replies: 35
Views: 3549

Re: Where to put international?

Place international in your tax-advantaged accounts.
by JustinR
Wed Jul 04, 2018 4:03 am
Forum: Investing - Theory, News & General
Topic: Lump Sum Investing Put Simply
Replies: 16
Views: 1094

Re: Lump Sum Investing Put Simply

Surely with up and down markets DCA is better? Why do people say lump sum is slightly better? 1) Because DCA makes absolutely no sense at all (logically). Let me give you two examples: Example1: You have $1,000,000 in your 401k or Roth IRA (so that tax isn't an issue). You can, today, take it all o...
by JustinR
Mon Jul 02, 2018 5:30 am
Forum: Investing - Help with Personal Investments
Topic: Husband's job finally has a 401k offering with unusual funds
Replies: 29
Views: 2066

Re: Husband's job finally has a 401k offering with unusual funds

I'd do "Nationwide S&P 500 Index Fund - Class R 0.77%" since it's the cheapest. Easy choice.
by JustinR
Sun Jul 01, 2018 11:32 pm
Forum: Investing - Theory, News & General
Topic: The Final, Definitive Thread on Brokerage Transfer Bonuses
Replies: 1119
Views: 193793

Re: The Final, Definitive Thread on Brokerage Transfer Bonuses

When asking these brokerages if they'll match other institution's bonuses, can I do it over email or chat or is it better to call?
by JustinR
Sun Jul 01, 2018 8:56 pm
Forum: Investing - Help with Personal Investments
Topic: Question on "If You Can, How Millenials Can Get Rich Slowly"
Replies: 30
Views: 3759

Re: Question on "If You Can, How Millenials Can Get Rich Slowly"

One example is your parents, in-laws, grandparents, coworkers, barista, random people off the street, and friends will tell you to buy a house because renting is "throwing money away." I bet you've already heard this common truth before, and as an adult you'll hear it 10000x more. This advice is com...
by JustinR
Sun Jul 01, 2018 8:37 pm
Forum: Investing - Theory, News & General
Topic: The Final, Definitive Thread on Brokerage Transfer Bonuses
Replies: 1119
Views: 193793

Re: The Final, Definitive Thread on Brokerage Transfer Bonuses

https://www.merrilledge.com/cmaoffer

Am I correct that there's no minimum time to keep your funds in the ME account (other than the 90 days to get the bonus)?

So you can tranfer out after you get the bonus with no claw back?
by JustinR
Sun Jul 01, 2018 6:44 am
Forum: Personal Consumer Issues
Topic: Can I buy a Tesla?
Replies: 103
Views: 7076

Re: Can I buy a Tesla?

No. Get FI first (enough money to retire now), then think about what you want to splurge on. Also, the Model 3 has many well known quality control issues: The Biggest Problems Tesla Model 3 Owners Have Reported Model 3 owners report quality problems. Do they care? Tesla Model 3 Falls Short of a Cons...
by JustinR
Sun Jul 01, 2018 3:26 am
Forum: Investing - Help with Personal Investments
Topic: What % of your equity is int’l?
Replies: 141
Views: 8133

Re: What % of your equity is int’l?

The current international market cap, 47.1%.

I believe if you're going to follow a philosophy like "own the market," you should actually do that.
by JustinR
Fri Jun 29, 2018 8:29 pm
Forum: Investing - Help with Personal Investments
Topic: Starting the "Three Fund Portfolio"
Replies: 13
Views: 2241

Re: Starting the "Three Fund Portfolio"

If the $30,000 is ready to be invested, you should invest all of it now.

If you're not ready to do that, don't worry about Admiral status or not. It won't make any real difference and you'll be able to easily convert once you hit the minimum.
by JustinR
Fri Jun 29, 2018 12:22 pm
Forum: Investing - Theory, News & General
Topic: "homemade dividends" from Total Stock Market fund
Replies: 135
Views: 8922

Re: "homemade dividends" from Total Stock Market fund

I am struggling to understand how making your own dividends from a total stock market fund is a superior strategy for someone in retirement. I don't doubt that the total index is a great idea - only that taking off slices of it to make a dividend would present problems for me that owning a dividend...
by JustinR
Thu Jun 28, 2018 5:45 am
Forum: Investing - Theory, News & General
Topic: 2017 Relative Tax Efficiency
Replies: 75
Views: 12599

Re: 2017 Relative Tax Efficiency

So I tried putting in VNQ myself and I got 1.42 . Can someone check my work? Expense ratio: 0.12 Dividend distribution: =(0.00572+0.17301+0.41627+0.0077+0.23291+0.56039+0.0082+0.24832+0.59747+0.01214+0.36742+0.88404) Next four rows as: 0 It's a little complicated because the distribution page has, ...
by JustinR
Thu Jun 28, 2018 12:02 am
Forum: Investing - Theory, News & General
Topic: Are we just way over complicating this?
Replies: 113
Views: 7303

Re: Are we just way over complicating this?

A new and growing trend is "I'm sick of my stable, high paying job because somebody is mean to me; should I just quit?" Probably a sign of changing demographics..... :twisted: Actually more people in this generation will FIRE than any before it due to exactly that mindset. They don't take [poor --a...
by JustinR
Wed Jun 27, 2018 9:10 pm
Forum: Investing - Theory, News & General
Topic: Are we just way over complicating this?
Replies: 113
Views: 7303

Re: Are we just way over complicating this?

A new and growing trend is "I'm sick of my stable, high paying job because somebody is mean to me; should I just quit?" Probably a sign of changing demographics..... :twisted: Actually more people in this generation will FIRE than any before it due to exactly that mindset. They don't take [poor --a...
by JustinR
Wed Jun 27, 2018 2:49 pm
Forum: Investing - Theory, News & General
Topic: Are we just way over complicating this?
Replies: 113
Views: 7303

Re: Are we just way over complicating this?

Having a single fund isn't tax efficient though...
by JustinR
Wed Jun 27, 2018 2:09 am
Forum: Investing - Theory, News & General
Topic: Is day trading profitable?
Replies: 36
Views: 3207

Re: Is day trading profitable?

No, it's not.
by JustinR
Mon Jun 25, 2018 10:32 pm
Forum: Investing - Help with Personal Investments
Topic: VTI -> VTSAX
Replies: 15
Views: 1634

Re: VTI -> VTSAX

I don't get why you can't have both in the same account?

Just keep your VTI and buy VTSAX with automatic investments?
by JustinR
Mon Jun 25, 2018 10:25 pm
Forum: Investing - Help with Personal Investments
Topic: Help me understand Roth vs Traditional IRA
Replies: 34
Views: 1533

Re: Help me understand Roth vs Traditional IRA

Traditional is better for nearly everyone. You're correct about being able to save on taxes later. That's the power of deferring taxes, you can control how and when you're taxed later. In fact, with a Traditional IRA and some strategy, it's possible to ultimately pay $0 taxes on it. Google "Roth Con...
by JustinR
Mon Jun 25, 2018 4:42 am
Forum: Investing - Theory, News & General
Topic: As time goes on, will total market investing become more perfect, and tilting strategies less?
Replies: 18
Views: 1509

As time goes on, will total market investing become more perfect, and tilting strategies less?

Back when the stock market began, things were done on paper, information wasn't accessible, and there were more inefficiencies people could exploit to beat the market. Today we have the internet and everyone has access to almost any information they want, and it's only getting better. As time goes, ...
by JustinR
Sun Jun 24, 2018 8:07 pm
Forum: Investing - Help with Personal Investments
Topic: “Buying the Dividend”
Replies: 17
Views: 1974

Re: “Buying the Dividend”

Go to your fund page's distribution tab, such as: https://investor.vanguard.com/mutual-funds/profile/distributions/vtsax The "Reinvest date" column (also known as Ex-Dividend date) is what you're looking for. If you buy on that day you won't get the dividend. If you buy before that date you will. W...
by JustinR
Sun Jun 24, 2018 1:31 am
Forum: Investing - Help with Personal Investments
Topic: "Never time the market" vs. lump sum investment
Replies: 68
Views: 5213

Re: "Never time the market" vs. lump sum investment

Let's say you had a million dollars invested in a Roth IRA (this isn't realistic, it's just to remove tax out of the scenario). You can, today, take it all out of the market and DCA back in over a year. Would you do that? Of course not, because it doesn't make any sense. DCA is not only a losing str...
by JustinR
Sat Jun 23, 2018 5:42 pm
Forum: Investing - Help with Personal Investments
Topic: “Buying the Dividend”
Replies: 17
Views: 1974

Re: “Buying the Dividend”

Go to your fund page's distribution tab, such as: https://investor.vanguard.com/mutual-fu ... ions/vtsax

The "Reinvest date" column (also known as Ex-Dividend date) is what you're looking for.

If you buy on that day you won't get the dividend. If you buy before that date you will.