Search found 427 matches

by JustinR
Sat Jan 06, 2018 10:32 am
Forum: Investing - Theory, News & General
Topic: Does Rebalancing Really Matter, Especially in Taxable?
Replies: 14
Views: 1375

Re: Does Rebalancing Really Matter, Especially in Taxable?

The purpose of rebalancing is to maintain your asset allocation, not for performance.
by JustinR
Sun Dec 24, 2017 8:17 pm
Forum: Investing - Theory, News & General
Topic: [Yahoo Finance no longer works - Alternatives to download securities quotes]
Replies: 263
Views: 31631

Re: How to Get Stock Quotes Into Excel

I'm lost. I don't know what I'm doing wrong. I'm running Excel 2010. I downloaded the 2017.11.30 Zip file from this link: https://smf-add-in.blogspot.ca/2017/11/new-zip-file-version-20171130.html I installed the first one that came up in the Zip file, RCH_Stock_Market_Functions. When I go to File--...
by JustinR
Sat Dec 23, 2017 6:12 pm
Forum: Investing - Theory, News & General
Topic: One answer to the Dividend stocks puzzle from behavioral finance
Replies: 184
Views: 12970

Re: One answer to the Dividend stocks puzzle from behavioral finance

Another factor which the author did not address is that how a person is first introduced to investing also carries a lot of weight regarding their ability to change. That is quite an interesting observation. Do you know of any articles about it? I don't know about that as a data driven observation ...
by JustinR
Sat Dec 23, 2017 6:10 pm
Forum: Investing - Theory, News & General
Topic: One answer to the Dividend stocks puzzle from behavioral finance
Replies: 184
Views: 12970

Re: One answer to the Dividend stocks puzzle from behavioral finance

"selling shares led to an equivalent outcome." If you have an $8mm portfolio if 23 individual stocks, deciding what to sell every 3 months would be extremely difficult. Plus, as you sell down your portfolio the dividend income decreases. The reality for me is that selling shares is not an equivalen...
by JustinR
Sat Dec 16, 2017 10:45 pm
Forum: Investing - Theory, News & General
Topic: 2nd million is easier!
Replies: 123
Views: 23552

Re: 2nd million is easier!

For me it looks something like this: Starting in 1993: 8 years $500k - 2001 10 years $1 million - 2004 12 years $2 million - 2006 17 years $5 million - 2010 21 years $10 million - 2014 24 years $15 million - 2017 In the past 12 months I added over $2.3 million to my net worth, approximately half of...
by JustinR
Sat Dec 16, 2017 5:53 pm
Forum: Investing - Theory, News & General
Topic: 2nd million is easier!
Replies: 123
Views: 23552

Re: 2nd million is easier!

Has anyone been tracking their net worth on a spreadsheet?

For some reason, my line is linear, even though it would seem it should be somewhat exponential (like a curve). What's your line like?
by JustinR
Fri Dec 15, 2017 11:03 pm
Forum: Investing - Theory, News & General
Topic: What is total return vs. dividend investing?
Replies: 85
Views: 10138

Re: What is total return vs. dividend investing?

Thanks for the replies. You answered my question in theory, but not mathematically. From what I understand, when a dividend is issued, doesn't the stock price drop that exact amount? So mathematically the dividend is exactly the same as selling your stock, except it's forced and you pay more taxes ...
by JustinR
Fri Dec 15, 2017 10:29 pm
Forum: Investing - Theory, News & General
Topic: What is total return vs. dividend investing?
Replies: 85
Views: 10138

Re: What is total return vs. dividend investing?

Justin, Think of it this way. You & I are retired. We both have a portfolio of $1 Million. I' am living off of the dividends/interest. Your selling off your portfolio. Which portfolio do you think is going to last longer? The Trinity Study 4% rule was all about a 30 year sell off of the portfolio. ...
by JustinR
Fri Dec 15, 2017 5:40 am
Forum: Investing - Theory, News & General
Topic: What is total return vs. dividend investing?
Replies: 85
Views: 10138

Re: What is total return vs. dividend investing?

Is a dividend basically just a "forced sale" of your stock? What's the mathematical difference between dividends and manually selling your stock? It seems like dividends are worse in every way, since some percentage of it could be taxed as normal income. What's the benefit of dividends over manually...
by JustinR
Wed Dec 13, 2017 10:42 pm
Forum: Investing - Theory, News & General
Topic: Do ETFs have the same issue as mutual funds at year end (distributions)?
Replies: 13
Views: 2065

Re: Do ETFs have the same issue as mutual funds at year end (distributions)?

Stock ETFs will rarely pay capital-gains distributions, except just after getting started. For example, Vanguard FTSE All-World Ex-US Small-Cap started near the 2009 market bottom. In 2009 and 2010, it had to sell shares to handle index changes, and everything was way up, so it distributed some cap...
by JustinR
Thu Dec 07, 2017 6:47 pm
Forum: Investing - Theory, News & General
Topic: Is SEC Yield a good way to pick a bond fund?
Replies: 9
Views: 1188

Re: Is SEC Yield a good way to pick a bond fund?

Vanguard gives the SEC yield of TIPS funds without the inflation component. (Footnote G) This is (IMO) a superior way to do it. You can come up with your own estimate for future inflation and apply it yourself. For iShares, you'd have to look up what assumption they are making. Here's a WSJ article...
by JustinR
Thu Dec 07, 2017 5:28 am
Forum: Investing - Theory, News & General
Topic: Is SEC Yield a good way to pick a bond fund?
Replies: 9
Views: 1188

Is SEC Yield a good way to pick a bond fund?

I don't really understand the SEC Yield. People recommended looking at that metric when comparing bond funds. For example: STIP (iShares 0-5 Year TIPS Bond ETF) SEC Yield: 5.55% 1yr: 0.47% 3yr: 0.57% 5yr: 0.11% Inception: 1.02% Huh? How are the past returns so low but the SEC Yield so high? Should I...
by JustinR
Wed Dec 06, 2017 12:52 am
Forum: Investing - Theory, News & General
Topic: Why would I invest in this bond fund vs keeping it in a savings account?
Replies: 3
Views: 966

Why would I invest in this bond fund vs keeping it in a savings account?

For my HSA, I need to put my money into a treasuries fund so I don't get taxed by my state. This is the commission fee option from TDA. At those returns, I could do better just parking it in a "high interest" savings account (1.2% or so). Am I missing something? Why would anyone invest in this? http...
by JustinR
Sat Dec 02, 2017 5:27 am
Forum: Investing - Theory, News & General
Topic: Filling up the Roth IRA first
Replies: 13
Views: 1301

Re: Filling up the Roth IRA first

See I have the money and I could take care of it the Roth in January but I had planned to spread out the payments of $5500 over the course of the year. Am I missing out by sticking to this strategy? I think you're missing something very basic about investing. The whole point of investing is that we...
by JustinR
Sat Nov 25, 2017 3:57 pm
Forum: Investing - Theory, News & General
Topic: Why does everyone keep increasing their international stock %?
Replies: 101
Views: 9115

Re: Why does everyone keep increasing their international stock %?

Always amazes me the folks get hammered for loving Mr. Bogles advice.... on a forum called BOGLEheads. :confused Why aren't the "loving Mr. Bogles advice" folks advocating for tilting heavily to corporate bonds or going 100% equity for those eligible for Social Security? Why are the vast majority o...
by JustinR
Sat Nov 25, 2017 1:51 pm
Forum: Investing - Theory, News & General
Topic: HSA: "Pay out of pocket" vs Withdraw math problem
Replies: 48
Views: 3442

Re: HSA: "Pay out of pocket" vs Withdraw math problem

What? You're paying yourself for medical costs you paid out of pocket in the past. You're not actually using tax free money to buy a motorcycle. What you guys are calling #3 (saving receipts and then using that credit later to buy a motorcycle), isn't actually a thing. I think you are still not get...
by JustinR
Fri Nov 24, 2017 11:33 pm
Forum: Investing - Theory, News & General
Topic: Why does everyone keep increasing their international stock %?
Replies: 101
Views: 9115

Re: Why does everyone keep increasing their international stock %?

One reason I admire Jack so much is that he doesn't feel obligated to follow or agree with the current trend, although he doesn't hesitate to start one if he believes it's right! It seems that everyone is arguing with Jack these days about the wisdom of holding a significant percentage of one's por...
by JustinR
Fri Nov 24, 2017 11:22 pm
Forum: Investing - Theory, News & General
Topic: HSA: "Pay out of pocket" vs Withdraw math problem
Replies: 48
Views: 3442

Re: HSA: "Pay out of pocket" vs Withdraw math problem

Nobody's answered your question because the answer is "it depends on your tax rates during accumulation and on withdrawal from either account." The differences are likely small. But most people don't see the value in picking #1 or #2 because there really is a distinct #3. #3: Pay out of pocket, sav...
by JustinR
Fri Nov 24, 2017 4:28 pm
Forum: Investing - Theory, News & General
Topic: HSA: "Pay out of pocket" vs Withdraw math problem
Replies: 48
Views: 3442

Re: HSA: "Pay out of pocket" vs Withdraw math problem

Many folks are actually arguing for #3: Pay out of pocket, save receipts, grow tax free. After retirement use receipts to withdraw tax-free and spend it on non-medical expenses. That's the same as #1. Nobody's really answered my question. Phrased a different way, if you could convert your 401k mone...
by JustinR
Fri Nov 24, 2017 5:18 am
Forum: Investing - Theory, News & General
Topic: Why does everyone keep increasing their international stock %?
Replies: 101
Views: 9115

Re: Why does everyone keep increasing their international stock %?

Bogleheads: "We believe that we don't know how any holdings will perform, so we buy the market. *Except US vs International."
by JustinR
Fri Nov 24, 2017 4:43 am
Forum: Investing - Theory, News & General
Topic: HSA: "Pay out of pocket" vs Withdraw math problem
Replies: 48
Views: 3442

HSA: "Pay out of pocket" vs Withdraw math problem

Help me reconcile this one. HSA medical costs. You can either: Pay out of pocket and keep the money invested in your HSA to grow tax free Withdraw from your HSA and invest it in your taxable account Most people suggest the first one, paying out of pocket. This is the tax consequence: Pay out of pock...
by JustinR
Mon Nov 06, 2017 7:18 am
Forum: Investing - Theory, News & General
Topic: Fellow TDA bogleheads [TDA dropping Vanguard ETFs from commission-free list]
Replies: 511
Views: 51365

Re: Fellow TDA bogleheads [TDA dropping Vanguard ETFs from commission-free list]

Just got an email that Jan 19 is the new commission free deadline for everybody. We have extended the commission-free transition period for legacy ETFs until January 19, 2018. All new funds are available to trade commission-free today. After January 19, 2018, the 84 legacy funds will still be avail...
by JustinR
Tue Oct 31, 2017 3:08 pm
Forum: Investing - Theory, News & General
Topic: Fellow TDA bogleheads [TDA dropping Vanguard ETFs from commission-free list]
Replies: 511
Views: 51365

Re: Fellow TDA bogleheads [TDA dropping Vanguard ETFs from commission-free list]

Just got an email that Jan 19 is the new commission free deadline for everybody. We have extended the commission-free transition period for legacy ETFs until January 19, 2018. All new funds are available to trade commission-free today. After January 19, 2018, the 84 legacy funds will still be availa...
by JustinR
Mon Oct 23, 2017 10:13 am
Forum: Investing - Theory, News & General
Topic: Is HSA Bank + TD Ameritrade still the best HSA choice?
Replies: 37
Views: 5256

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

ffuser1 wrote:
Mon Oct 23, 2017 5:31 am
I'm with HSA Authority. $36/year. Vanguard Admiral shares. Schwab provides the user interface. No one else uses them? Seems like a good option to me...
No other fees? To trade? Any minimums?
by JustinR
Fri Oct 20, 2017 10:42 pm
Forum: Investing - Theory, News & General
Topic: Has the general public ever been correct about market crashes?
Replies: 47
Views: 4122

Re: Has the general public ever been correct about market crashes?

Everyone right now seems to think that a crash is imminent. AAII (thanks Arctic) is neutral to bullish now. Members don't seem to expect an imminent crash. http://www.aaii.com/sentimentsurvey Hmmmm... Maybe that means that a crash IS imminent then? Someone should do a study of how that survey did t...
by JustinR
Fri Oct 20, 2017 10:02 pm
Forum: Investing - Theory, News & General
Topic: Has the general public ever been correct about market crashes?
Replies: 47
Views: 4122

Re: Has the general public ever been correct about market crashes?

Everyone right now seems to think that a crash is imminent. AAII (thanks Arctic) is neutral to bullish now. Members don't seem to expect an imminent crash. http://www.aaii.com/sentimentsurvey Hmmmm... Maybe that means that a crash IS imminent then? Someone should do a study of how that survey did t...
by JustinR
Fri Oct 20, 2017 4:47 pm
Forum: Investing - Theory, News & General
Topic: Has the general public ever been correct about market crashes?
Replies: 47
Views: 4122

Has the general public ever been correct about market crashes?

Everyone right now seems to think that a crash is imminent. Which makes me wonder if the exact opposite is true.

Has the public ever been right about anything market timing related?

Is "think the opposite of what everyone else thinks the market's headed" a viable strategy?
by JustinR
Thu Oct 19, 2017 10:27 pm
Forum: Investing - Theory, News & General
Topic: Is HSA Bank + TD Ameritrade still the best HSA choice?
Replies: 37
Views: 5256

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

Lively+TDA likely the best choice if you are investing every dollar long-term. There is a great deal of whining about the commission free ETF changes, but that there are still good some very good options in the new commission free list. +1 I just moved my employer-sponsored HSA to Lively+TD Ameritr...
by JustinR
Thu Oct 19, 2017 4:36 am
Forum: Investing - Theory, News & General
Topic: Is HSA Bank + TD Ameritrade still the best HSA choice?
Replies: 37
Views: 5256

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

tigermilk wrote:
Thu Oct 19, 2017 4:22 am
Do you not have a no fee option? I've got HSA Bank and TDA, and if my HSA Bank balance is $5k or higher, there are no monthly fees.
I don't think it's worth saving $5.50 a month to park $5,000 instead of investing it, right?
by JustinR
Wed Oct 18, 2017 11:57 pm
Forum: Investing - Theory, News & General
Topic: Is HSA Bank + TD Ameritrade still the best HSA choice?
Replies: 37
Views: 5256

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

Lively+TDA likely the best choice if you are investing every dollar long-term. There is a great deal of whining about the commission free ETF changes, but that there are still good some very good options in the new commission free list. According to the site , there's only a $2.50 to invest and tha...
by JustinR
Wed Oct 18, 2017 10:39 pm
Forum: Investing - Theory, News & General
Topic: Is HSA Bank + TD Ameritrade still the best HSA choice?
Replies: 37
Views: 5256

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

. . . Edit: So far, it seems Lively is the best provider. Only $2.50/mo investment fee to invest through TDAmeritrade, and that's it. No minimums. With HSA Bank, there are the following monthly fees: $3.00 HSA service fee $2.50 investment service fee TDAmeritrade offers some commission-free ETFs. So...
by JustinR
Tue Oct 17, 2017 10:43 pm
Forum: Investing - Theory, News & General
Topic: Does bond length matter for investing in bond funds?
Replies: 20
Views: 1932

Re: Does bond length matter for investing in bond funds?

Johm221122 wrote:
Tue Oct 17, 2017 9:36 pm
JustinR
If interest rates go up, will the long term bonds go negative?
Depends on how much rates go up,dividend(interest) may keep it from going negative
Then it doesn't seem like there's any downside to going the higher yield long term bonds?
by JustinR
Tue Oct 17, 2017 9:48 pm
Forum: Investing - Theory, News & General
Topic: Does bond length matter for investing in bond funds?
Replies: 20
Views: 1932

Re: Does bond length matter for investing in bond funds?

Zithron wrote:
Tue Oct 17, 2017 9:41 pm
Sounds like you're using bond funds in place of equities to avoid losing gains to taxes. So why not do a mix of the two, similar what you'd do with equities and lower risk bonds?
Nope. This is part of my bond allocation.

It's just depressing to see it making 0.5% more than my savings account.
by JustinR
Tue Oct 17, 2017 9:12 pm
Forum: Investing - Theory, News & General
Topic: Does bond length matter for investing in bond funds?
Replies: 20
Views: 1932

Re: Does bond length matter for investing in bond funds?

Thank you for posting this thread, though I know it has been discussed many times. I also live in California and share the overall "meh" feeling about investing my HSA in an investment that bears 1.7% interest (that's the current SEC Yield for ITE, the intermediate Treasury ETF). And yet, a couple ...
by JustinR
Tue Oct 17, 2017 2:30 am
Forum: Investing - Theory, News & General
Topic: Does bond length matter for investing in bond funds?
Replies: 20
Views: 1932

Does bond length matter for investing in bond funds?

HSAs are not recognized in CA. So in my HSA, I invest in government bonds that have minimal state taxes. I've been investing in VGIT (Vanguard Intermediate-Term Government Bond ETF). TDAmeritrade is going to start charging commissions for VG ETFs , so I'm looking for a substitute. I'm currently comp...
by JustinR
Mon Oct 16, 2017 1:10 pm
Forum: Investing - Theory, News & General
Topic: Fellow TDA bogleheads [TDA dropping Vanguard ETFs from commission-free list]
Replies: 511
Views: 51365

Re: TD Ameritrade Drops Vanguard From Revamped Commission-Free ETF Lineup TD Ameritrade will nearly triple its overall c

Probably ITE (SPDR Bloomberg Barclays Intermediate Term Treasury ETF) at 10 bp. It's a 1-10 year treasury fund rather than a 3-10, but it's similar to VGIT. Probably ITE (SPDR Bloomberg Barclays Intermediate Term Treasury ETF) at 10 bp. It's a 1-10 year treasury fund rather than a 3-10, but it's si...
by JustinR
Mon Oct 16, 2017 12:35 pm
Forum: Investing - Theory, News & General
Topic: Fellow TDA bogleheads [TDA dropping Vanguard ETFs from commission-free list]
Replies: 511
Views: 51365

Re: TD Ameritrade Drops Vanguard From Revamped Commission-Free ETF Lineup TD Ameritrade will nearly triple its overall c

Press release and full list of ETFs: https://s1.q4cdn.com/959385532/files/doc_downloads/Expanded-Commission-Free-ETF-Program.pdf What's the best equivalent for VGIT ? I have that in my HSA so that I have to pay minimal state taxes, since CA doesn't recognize HSAs. Looking for a commission-free bond...
by JustinR
Mon Oct 16, 2017 5:41 am
Forum: Investing - Theory, News & General
Topic: Rebalancing - Personal Philosophies
Replies: 43
Views: 3997

Re: Rebalancing - Personal Philosophies

I rebalance with new money.

So everytime I invest, which can vary from weeks to months apart. Otherwise I'd do it once a year.
by JustinR
Sat Oct 14, 2017 4:46 am
Forum: Investing - Theory, News & General
Topic: How much international stock? A suggestion.
Replies: 228
Views: 47788

Re: How much international stock? A suggestion.

All due respect and reverence for Jack Bogle's advice does not change the fact that on this one topic, he represents a relatively isolated perspective. Iceport: He may "represent a relatively isolated perspective " but since 1993 when he first advocated "20% or less in international stocks" -- he h...
by JustinR
Tue Sep 05, 2017 10:14 pm
Forum: Investing - Theory, News & General
Topic: Do retiree BHs actually run down their portfolios?
Replies: 73
Views: 8925

Re: Do retiree BHs actually run down their portfolios?

I am a retiree, genetically programmed to be a frugal spender and a BH. I read about all these Withdrawal Rates, etc. But, frankly, do real-life BH retirees ever have declining portfolios? Let's face it, any market decline will be followed up immediately by a tightening up of the WR. Even an annual...
by JustinR
Mon Sep 04, 2017 8:44 pm
Forum: Investing - Theory, News & General
Topic: What is the "safe, safe" withdrawal rate?
Replies: 38
Views: 4703

Re: What is the "safe, safe" withdrawal rate?

i saw a thread in which the SWR was decried by people here, because it doesnt consider inflation. I think that there are contradictory answers to the safe SWR. is it inflation indexed? Indexed to healthcare costs? Not indexed? Doesnt make sense, so i ignore that advice. The 4% rule is adjusted for ...
by JustinR
Mon Sep 04, 2017 9:36 am
Forum: Investing - Theory, News & General
Topic: What are you up YTD? [Year To Date]
Replies: 1728
Views: 304963

Re: What are you up YTD? [Year To Date]

Why doesn't Vanguard's personal performance page give you a return percentage for YTD? Selecting any time period other than "Since inception" removes the Rate of Return %. Click on year to date. Then just divide "investment returns" by "beginning balance". If you are making regular monthly withdraw...
by JustinR
Mon Sep 04, 2017 9:06 am
Forum: Investing - Theory, News & General
Topic: Michael Kitces 4% rule podcast on Madfientist
Replies: 355
Views: 39222

Re: Michael Kitces 4% rule podcast on Madfientist

Thanks for the reply. I guess I don't understand what portion is taken from the stable income versus the VPW. The wiki says your "base income" should come from the stable portion, which is the TIPS/CD ladder or an annuity. But it doesn't say what "base" means...is that the total of your required sp...
by JustinR
Mon Sep 04, 2017 8:23 am
Forum: Investing - Theory, News & General
Topic: Michael Kitces 4% rule podcast on Madfientist
Replies: 355
Views: 39222

Re: Michael Kitces 4% rule podcast on Madfientist

Justin, So VPW is not really viable for retirees in their 30s like you said, correct? You should download the spreadsheet and look. The second thing it does it ask you how you are when you are retire. By default it uses 65 but you can set it to 50 or even 15 if you want. VPW has nothing that inhere...
by JustinR
Mon Sep 04, 2017 7:19 am
Forum: Investing - Theory, News & General
Topic: What are you up YTD? [Year To Date]
Replies: 1728
Views: 304963

Re: What are you up YTD? [Year To Date]

Why doesn't Vanguard's personal performance page give you a return percentage for YTD?

Selecting any time period other than "Since inception" removes the Rate of Return %.
by JustinR
Mon Sep 04, 2017 6:58 am
Forum: Investing - Theory, News & General
Topic: Michael Kitces 4% rule podcast on Madfientist
Replies: 355
Views: 39222

Re: Michael Kitces 4% rule podcast on Madfientist

So VPW is not really viable for retirees in their 30s like you said, correct? You should download the spreadsheet and look. The second thing it does it ask you how you are when you are retire. By default it uses 65 but you can set it to 50 or even 15 if you want. VPW has nothing that inherently pre...
by JustinR
Mon Sep 04, 2017 4:29 am
Forum: Investing - Theory, News & General
Topic: Michael Kitces 4% rule podcast on Madfientist
Replies: 355
Views: 39222

Re: Michael Kitces 4% rule podcast on Madfientist

Such a plan can use our Wiki's Variable Percentage Withdrawal (VPW) method, a withdrawal method which adapts to the retiree's retirement horizon, asset allocation, and portfolio returns during retirement. It combines the best ideas of the constant-dollar, constant-percentage, and 1/N withdrawal met...
by JustinR
Sun Sep 03, 2017 2:06 am
Forum: Investing - Theory, News & General
Topic: Michael Kitces 4% rule podcast on Madfientist
Replies: 355
Views: 39222

Re: Michael Kitces 4% rule podcast on Madfientist

Can someone explain the bond/TIPS ladder? How is that income for retirement? From what I'm reading you reinvest the principal, No, you spend the principal. Each year, one bond or TIPS matures. Its value is enough to cover that year's expenses, or only your "floor" expenses if that's how you designe...
by JustinR
Sat Sep 02, 2017 10:52 pm
Forum: Investing - Theory, News & General
Topic: Do you reinvest your dividends/capital gains?
Replies: 76
Views: 9771

Re: Do you reinvest your dividends/capital gains?

Retirement accounts: reinvest

Taxable: cash the check, invest to rebalance. This lets you rebalance in your taxable without selling.