Search found 231 matches
- Sat Mar 05, 2016 9:20 pm
- Forum: Personal Investments
- Topic: HSA to HSA transfer question
- Replies: 4
- Views: 787
HSA to HSA transfer question
I wonder if anyone knows the answer to this question. I recently stopped contributing to a self insured HSA that I have through Optum Health Bank. I really liked this account because all my money went to the Vanguard Wellington fund which was an available option and the website is easy to navigate and follow. I recently took a job with a large corporation and they offer health care benefits and also contribute to the existing HSA that they have established with the HDHP insurance company they use. I do know that it is legal to make unlimited transfers, not a yearly rollover, from one HSA plan to another. My question is : Do you know if it is possible to direct the custodian of my new HSA to transfer the money as it gets deducted from my pay...
- Sat Oct 24, 2015 1:37 pm
- Forum: Personal Investments
- Topic: Help me with this simple math please
- Replies: 16
- Views: 2131
Re: Help me with this simple math please
Thank you for the help everyone.
- Sat Oct 24, 2015 8:10 am
- Forum: Personal Investments
- Topic: Help me with this simple math please
- Replies: 16
- Views: 2131
Re: Help me with this simple math please
Therein lies my confusion, is it even possible to have a simple math calculation to just estimate what the amount would be, and if it is possible, does anyone here know how to do it. I don't, so that is why I ask. Thanks
- Sat Oct 24, 2015 7:39 am
- Forum: Personal Investments
- Topic: Help me with this simple math please
- Replies: 16
- Views: 2131
Re: Help me with this simple math please
Would that be the SEC yield of 2.90 %
- Sat Oct 24, 2015 7:20 am
- Forum: Personal Investments
- Topic: Help me with this simple math please
- Replies: 16
- Views: 2131
Help me with this simple math please
If I put $100,000 into the Wellesly Admiral fund VWIAX at the beginning of 2015, what would be the % yield in dividends per year? In other words, what could I expect as a return at least for this year for my investment in this fund? Thank you
- Fri Jul 31, 2015 12:41 pm
- Forum: Investing - Theory, News & General
- Topic: The Three-Fund Portfolio
- Replies: 3898
- Views: 2434596
Re: The Three Fund Portfolio
I am thinking about adding some TIPS to my 3 fund portfolio. Can anyone comment on VTIP vs VIPSX and why one would be better? Thank you.
- Sun Jul 26, 2015 2:58 pm
- Forum: Investing - Theory, News & General
- Topic: The Three-Fund Portfolio
- Replies: 3898
- Views: 2434596
Re: The Three Fund Portfolio
Just ignore my last question, I had it all backwards went back and reread what I needed to and answered my own question. Sorry for the confusion
- Sun Jul 26, 2015 9:01 am
- Forum: Investing - Theory, News & General
- Topic: The Three-Fund Portfolio
- Replies: 3898
- Views: 2434596
Re: The Three Fund Portfolio
VBTLX = Vanguard Total Bond Market Index Adm not the international.
I guess my question simply is this, "is it wrong to place this fund in a tax deferred account if I have the space for it"? I would prefer just to use the TFP and not a Target retirement fund. thank you
I guess my question simply is this, "is it wrong to place this fund in a tax deferred account if I have the space for it"? I would prefer just to use the TFP and not a Target retirement fund. thank you
- Sat Jul 25, 2015 9:29 pm
- Forum: Personal Investments
- Topic: Regarding expense ratios
- Replies: 4
- Views: 686
Regarding expense ratios
I am the custodial manager for the various IRA tax deferred accounts owned by myself and my wife at Vanguard. I would like to convert all we both have to the Three Fund Portfolio by Taylor Larrimore. My question is regarding ER would it be more expensive to put all her money in the TFP and all my money in the TFP or (with her permission of course) just pool all the money as together and use three funds between the two of us ? I hope this question is clear. Thank you
- Sat Jul 25, 2015 8:30 pm
- Forum: Investing - Theory, News & General
- Topic: The Three-Fund Portfolio
- Replies: 3898
- Views: 2434596
Re: The Three Fund Portfolio
A quick question with hopefully a quick answer.
I have enough money to buy the three fund portfolio in Admiral shares.
I do not have enough money to fill my tax deferred accounts and "spill over" into my taxable account.
Would it still be prudent to just put the VBTLX in the tax deferred account for now or just purchase a Target date Fund and call it a day?
I have enough money to buy the three fund portfolio in Admiral shares.
I do not have enough money to fill my tax deferred accounts and "spill over" into my taxable account.
Would it still be prudent to just put the VBTLX in the tax deferred account for now or just purchase a Target date Fund and call it a day?
- Sun Jul 05, 2015 11:53 am
- Forum: Personal Investments
- Topic: Best fund or ETF for Emergency fund allocaion?
- Replies: 7
- Views: 943
Re: Best fund or ETF for Emergency fund allocaion?
I read the article. I presently have all my Emergency fund in tax advantaged accounts and thought that if I needed my money quickly, then it would be more liquid in a taxable account that I could open up.
- Sun Jul 05, 2015 11:41 am
- Forum: Personal Investments
- Topic: Best fund or ETF for Emergency fund allocaion?
- Replies: 7
- Views: 943
Re: Best fund or ETF for Emergency fund allocaion?
Ok, but irregardless of the specific vehicle (cash,cd,ETF), so the idea is that the Emergency fund should be in a Taxable account for liquidity instead of in a tax deferred account?
- Sun Jul 05, 2015 11:28 am
- Forum: Personal Investments
- Topic: Best fund or ETF for Emergency fund allocaion?
- Replies: 7
- Views: 943
Best fund or ETF for Emergency fund allocaion?
Best fund or ETF for emergencyfund allocation in a taxable account? Any opinions?
- Mon Mar 16, 2015 5:47 am
- Forum: Personal Investments
- Topic: Roth for Emergency funds??
- Replies: 5
- Views: 963
Re: Roth for Emergency funds??
Thank you for the information and I will read it.
So my next question would be what would be good fund/ETF equivalents to cash for my emergency funds if being kept in a ROTH?
So my next question would be what would be good fund/ETF equivalents to cash for my emergency funds if being kept in a ROTH?
- Mon Mar 16, 2015 4:35 am
- Forum: Personal Investments
- Topic: Roth for Emergency funds??
- Replies: 5
- Views: 963
Roth for Emergency funds??
Hello
I am asking if it wise to use a Roth IRA for emergency funds. Can a Roth be liquidated quickly and is there penalties if taken out early?
Thank you
I am asking if it wise to use a Roth IRA for emergency funds. Can a Roth be liquidated quickly and is there penalties if taken out early?
Thank you
- Fri Oct 31, 2014 4:05 pm
- Forum: Investing - Theory, News & General
- Topic: What does this mean? [1 for 2 reverse share split]
- Replies: 3
- Views: 1010
What does this mean? [1 for 2 reverse share split]
I got this off the Vanguard website when I looked up VOO
A 1-for-2 reverse share split occurred on October 24, 2013. Historical price information is unadjusted.
A 1-for-2 reverse share split occurred on October 24, 2013. Historical price information is unadjusted.
- Mon Jun 02, 2014 3:37 pm
- Forum: Investing - Theory, News & General
- Topic: Swenson question
- Replies: 10
- Views: 1743
Re: Swenson question
I am ready to allocate what I have saved in cash to the portfolio presented by Swenson in Unconventional success. My question to the forum is
Why would it not be wise to go all in tonight? Thanks for all the help
Why would it not be wise to go all in tonight? Thanks for all the help
- Sun Jun 01, 2014 12:04 pm
- Forum: Investing - Theory, News & General
- Topic: Swenson question
- Replies: 10
- Views: 1743
Swenson question
I just re read unconventional success and was wondering why he didn't make any mention at all about precious metals as a hedge against inflation. In fact he didn't even mention gold at all even as a non-core asset to not invest in. I wonder why no mention of this asset class either way?
- Sun May 25, 2014 8:58 pm
- Forum: Investing - Theory, News & General
- Topic: Question about REITS??
- Replies: 54
- Views: 5082
Question about REITS??
"REITS are an allocation distinct from equities." What say you?
- Thu May 22, 2014 2:44 pm
- Forum: Investing - Theory, News & General
- Topic: What do you think of this portfolio?
- Replies: 17
- Views: 1993
Re: What do you think of this portfolio?
Thanks for the advice, can't argue with logic.
- Thu May 22, 2014 10:45 am
- Forum: Investing - Theory, News & General
- Topic: What do you think of this portfolio?
- Replies: 17
- Views: 1993
What do you think of this portfolio?
Any comments on this portfolio would be welcome. I backtested it to 1972 and CAGR was over 11%
30% VTI Total Stock Market
15% VXUS Total international
15% VGLT Long bond
10% VBR Small cap value
10% VNQ REIT
10% VTIP Short term tips
5% Gold
5% VWO Emerging markets
Just up for discussion? Thanks for the comments.
30% VTI Total Stock Market
15% VXUS Total international
15% VGLT Long bond
10% VBR Small cap value
10% VNQ REIT
10% VTIP Short term tips
5% Gold
5% VWO Emerging markets
Just up for discussion? Thanks for the comments.
- Sat May 17, 2014 6:55 am
- Forum: Personal Investments
- Topic: Modified David Swenson portfolio??
- Replies: 2
- Views: 624
Modified David Swenson portfolio??
Here is a modified version of the David Swenson portfolio I am considering - your comments are welcome. Thank you
My emergency funds are full
-25% in Vanguard Total Stock Market Index (VTSMX)
- 10% in Vanguard Wellesley Income Fund (VWINX)
- 10% in Gold
- 10% in Vanguard REIT Index (VGSIX)
- 15% in Vanguard Total International Stock (VGTSX)
- 5% in Vanguard Emerging Markets Stock Index Fund(VEIEX)
- 10% in Vanguard Inflation Protected Securities (VIPSX)
- 15% in Vanguard Long Term Treasury Index (VUSTX)
Could someone post a link that I may utilize to back test this set up?
My emergency funds are full
-25% in Vanguard Total Stock Market Index (VTSMX)
- 10% in Vanguard Wellesley Income Fund (VWINX)
- 10% in Gold
- 10% in Vanguard REIT Index (VGSIX)
- 15% in Vanguard Total International Stock (VGTSX)
- 5% in Vanguard Emerging Markets Stock Index Fund(VEIEX)
- 10% in Vanguard Inflation Protected Securities (VIPSX)
- 15% in Vanguard Long Term Treasury Index (VUSTX)
Could someone post a link that I may utilize to back test this set up?
- Wed Mar 05, 2014 8:07 am
- Forum: Personal Investments
- Topic: Where to put money for Emergency fund?
- Replies: 6
- Views: 1044
Re: Where to put money for Emergency fund?
So, basically, I will keep my Emergency funds in my Roth, HSA and a small amount in my taxable brokerage account and that should suffice for liquidity purposes.
Now for my taxable account, does the fund VMLTX make sense?
Thank you
Now for my taxable account, does the fund VMLTX make sense?
Thank you
- Wed Mar 05, 2014 7:47 am
- Forum: Personal Investments
- Topic: Where to put money for Emergency fund?
- Replies: 6
- Views: 1044
Re: Where to put money for Emergency fund?
Ok, thank you, I read the Wiki
I guess my main question is if I hold all of my emergency funds in my tax advantaged accounts (which I presently do) with short term T-bill, short term Treasury bonds, Money market account and if/when I need to access it--will there be a tax penalty? From what I read, the answer is yes (so this may not be the right place to keep it all). So that being the case, it would be best to still continue to keep the money in my tax advantaged accounts fully funded but maybe to start a "new emergency fund" by adding to my taxable or savings or cds/I-bonds? Does this make sense?
Thank you
I guess my main question is if I hold all of my emergency funds in my tax advantaged accounts (which I presently do) with short term T-bill, short term Treasury bonds, Money market account and if/when I need to access it--will there be a tax penalty? From what I read, the answer is yes (so this may not be the right place to keep it all). So that being the case, it would be best to still continue to keep the money in my tax advantaged accounts fully funded but maybe to start a "new emergency fund" by adding to my taxable or savings or cds/I-bonds? Does this make sense?
Thank you
- Wed Mar 05, 2014 5:50 am
- Forum: Personal Investments
- Topic: Where to put money for Emergency fund?
- Replies: 6
- Views: 1044
Where to put money for Emergency fund?
I have primarily all tax deferred IRA accounts, Roth IRA, Simple IRA, rollover IRA, rollover brokerage, Roth brokerage and an HSA account with Optum Health Bank.
I have a joint brokerage account with my wife that is not tax deferred.
I want to have a liquid emergency fund--which account would allow me access without tax penalties if I need to withdraw?
Which fund would you recommend for the above?
Thank you for your time and advice.
I have a joint brokerage account with my wife that is not tax deferred.
I want to have a liquid emergency fund--which account would allow me access without tax penalties if I need to withdraw?
Which fund would you recommend for the above?
Thank you for your time and advice.
- Sat Mar 01, 2014 11:09 am
- Forum: Personal Consumer Issues
- Topic: Purchasing physical gold??
- Replies: 71
- Views: 14345
Purchasing physical gold??
For those of you who practice this, where to you usually buy? I would like some leads to follow. Thank you
- Fri Jan 24, 2014 11:19 am
- Forum: Personal Investments
- Topic: QID split 4:1 today
- Replies: 5
- Views: 1061
QID split 4:1 today
What does this mean exactly?
- Tue Jan 21, 2014 6:58 am
- Forum: Personal Investments
- Topic: Where to put emergency funds?
- Replies: 29
- Views: 3210
Re: Where to put emergency funds?
Thanks Livesoft
So, let me get this straight then. It would be more prudent to keep all emergency funds in a taxable or Roth account simply due to the fact that I am under 59.5 and would have to pay penalties upon withdrawal from a tax advantaged account?
So, let me get this straight then. It would be more prudent to keep all emergency funds in a taxable or Roth account simply due to the fact that I am under 59.5 and would have to pay penalties upon withdrawal from a tax advantaged account?
- Tue Jan 21, 2014 5:25 am
- Forum: Personal Investments
- Topic: Where to put emergency funds?
- Replies: 29
- Views: 3210
Re: Where to put emergency funds?
I own enough BIL SPDR Barclays 1-3 Month T-Bill ETF in my Vanguard Rollover IRA account.
Is this a good place to keep this for emergency funds??
If I needed to access this, will I have withdrawal penalties??
Thanks for the advice
Is this a good place to keep this for emergency funds??
If I needed to access this, will I have withdrawal penalties??
Thanks for the advice
- Mon Jan 20, 2014 8:35 pm
- Forum: Personal Investments
- Topic: Where to put emergency funds?
- Replies: 29
- Views: 3210
Re: Where to put emergency funds?
Even in a tax advantaged accountlivesoft wrote:If I had an emergency fund, I would use VSCSX for the first-tier, then probably VEA for the 2nd tier and then VTI for the 3rd tier.
- Mon Jan 20, 2014 8:32 pm
- Forum: Personal Investments
- Topic: Where to put emergency funds?
- Replies: 29
- Views: 3210
Re: Where to put emergency funds?
Kerplunk
Is this fund in a tax advantaged?
Is this fund in a tax advantaged?
- Mon Jan 20, 2014 8:06 pm
- Forum: Personal Investments
- Topic: Where to put emergency funds?
- Replies: 29
- Views: 3210
Re: Where to put emergency funds?
ok, let me ask it this way.
What fund do you use for your emergency money?
What fund do you use for your emergency money?
- Mon Jan 20, 2014 7:46 pm
- Forum: Personal Investments
- Topic: Where to put emergency funds?
- Replies: 29
- Views: 3210
Where to put emergency funds?
What part of the portfolio is best suited for emergency funds. I mainly have tax advantaged accounts and Roths. I also have a taxed brokerage account with my wife
Thanks
Thanks
- Sun Jan 12, 2014 10:50 am
- Forum: Investing - Theory, News & General
- Topic: I bonds and Vanguard
- Replies: 12
- Views: 2548
I bonds and Vanguard
Is it possible to purchase I bonds through Vanguard?
Thanks
Thanks
- Fri Jan 03, 2014 12:05 pm
- Forum: Personal Finance (Not Investing)
- Topic: Simple IRA question
- Replies: 2
- Views: 312
Simple IRA question
I manage the Simple IRA for my business, just added an employee on to it (small business) and have a question about matching.
The rules say I am to match up to 3% of employee's salary. My question is, what if she just wants $10 taken out of each paycheck instead of my other employee who has $75 deducted each paycheck, do I have to match the same amount for each employee? Assume they both make the same salary and 3% would be $40 a paycheck. Thanks
The rules say I am to match up to 3% of employee's salary. My question is, what if she just wants $10 taken out of each paycheck instead of my other employee who has $75 deducted each paycheck, do I have to match the same amount for each employee? Assume they both make the same salary and 3% would be $40 a paycheck. Thanks
- Sun Dec 01, 2013 5:34 pm
- Forum: Personal Investments
- Topic: Secondary market bond buying
- Replies: 4
- Views: 629
Re: Secondary market bond buying
I have to buy from a brokerage like Vanguard because these will be going into a tax deferred acount
The recommendation from the Permanent Portfolio {PP} is to redeem some 30 yr Treasuries at the 10 year mark and buy new 30 yr Treasuries. I am wondering though if I hold these in a tax deferred brokerage account and sell some on the secondary market through Vanguard, how it will be handled from a tax perspective?
The recommendation from the Permanent Portfolio {PP} is to redeem some 30 yr Treasuries at the 10 year mark and buy new 30 yr Treasuries. I am wondering though if I hold these in a tax deferred brokerage account and sell some on the secondary market through Vanguard, how it will be handled from a tax perspective?
- Sun Dec 01, 2013 5:33 pm
- Forum: Personal Investments
- Topic: Secondary market bond buying
- Replies: 4
- Views: 629
Re: Secondary market bond buying
Not using a treasury fund or ETF because I am trying to hold true to the Harry Browne Permanent Portfolio recommendations of buying and holding individual 30 yr Treasury bonds. ER=zero, so I like that too.
- Sun Dec 01, 2013 10:42 am
- Forum: Personal Investments
- Topic: Secondary market bond buying
- Replies: 4
- Views: 629
Secondary market bond buying
Hello
I would like to buy bonds or bills or notes on the secondary market from Vanguard and I am a Voyager client. I didn't pull the trigger yet and will call them when they open next week. I was just wondering if someone can answer my question here, first:
Q. The Vanguard order form shows a $100 redemption fee, what is this? Does this mean that when I want to sell my 30 year Treasury bond that it will cost me $100? If anyone has been through this process with Vanguard please let me know.. Thank you
By the way, it is the same redemption fee for Notes or Bills and I want to do this to for my Cash portion, but just want to be sure.
I would like to buy bonds or bills or notes on the secondary market from Vanguard and I am a Voyager client. I didn't pull the trigger yet and will call them when they open next week. I was just wondering if someone can answer my question here, first:
Q. The Vanguard order form shows a $100 redemption fee, what is this? Does this mean that when I want to sell my 30 year Treasury bond that it will cost me $100? If anyone has been through this process with Vanguard please let me know.. Thank you
By the way, it is the same redemption fee for Notes or Bills and I want to do this to for my Cash portion, but just want to be sure.
- Tue Nov 12, 2013 1:42 pm
- Forum: Investing - Theory, News & General
- Topic: Harry Browne Permanent Portfolio question
- Replies: 73
- Views: 7783
Re: Harry Browne Permanent Portfolio question
Thank you linenfort that link was exactly what I was looking for. Much appreciated.
- Tue Nov 12, 2013 7:11 am
- Forum: Investing - Theory, News & General
- Topic: Harry Browne Permanent Portfolio question
- Replies: 73
- Views: 7783
Re: Harry Browne Permanent Portfolio question
This is the poster that asked the original question----guess we all got sidetracked.
I have another question though, maybe Craigr is still here?
Would VT be a logical substitute for VTI for the stock portion of the PP? Any thoughts. Thanks
I have another question though, maybe Craigr is still here?
Would VT be a logical substitute for VTI for the stock portion of the PP? Any thoughts. Thanks
- Sun Nov 10, 2013 5:29 pm
- Forum: Investing - Theory, News & General
- Topic: Harry Browne Permanent Portfolio question
- Replies: 73
- Views: 7783
Re: Harry Browne Permanent Portfolio question
craigr - any thoughts on my all in ETF Permanent portfolio?
- Sat Nov 02, 2013 2:06 pm
- Forum: Investing - Theory, News & General
- Topic: Harry Browne Permanent Portfolio question
- Replies: 73
- Views: 7783
Re: Harry Browne Permanent Portfolio question
This is what I did - all in at one time: CASH SPDR Barclays 1-3 Month T-Bill ETF (BIL) 13% Vanguard Short-Term Treasury Fund Investor Shares (VFISX) 7% Vanguard Limited-Term Tax-Exempt Fund Investor Shares (VMLTX) 2% Vanguard Short-Term Bond Index Fund Investor Shares (VBISX) 3% I had no flexibility with the last three funds, part of my HSA and a joint account so had to keep these open and/or only good choices available BONDS iShares Barclays 20+ Year Treasury Bond Fund (TLT) 25% STOCKS Vanguard Total Stock Market ETF (VTI) 25% GOLD iShares Gold Trust (IAU) 12% ETFS Physical Swiss Gold Shares (SGOL) 13% Everything but the VMLTX held in tax deferred accounts, all dividends and gains will be reinvested with the same fund/ETF Any new money wil...
- Wed Oct 23, 2013 11:50 am
- Forum: Investing - Theory, News & General
- Topic: Harry Browne Permanent Portfolio question
- Replies: 73
- Views: 7783
Re: Harry Browne Permanent Portfolio question
Sorry I wasn't clear.
I was talking about the 25% cash allocation
I already have 25% TLT
I was talking about the 25% cash allocation
I already have 25% TLT
- Wed Oct 23, 2013 5:51 am
- Forum: Investing - Theory, News & General
- Topic: Harry Browne Permanent Portfolio question
- Replies: 73
- Views: 7783
Harry Browne Permanent Portfolio question
Which fund would you be more comfortable owning in the Permanent Portfolio for the 25% Treasury bond section
either VSBSX or VFIRX I can choose either of these in my ROTH (can't add ETF's here). I already own about 12% BIL in another tax deferred account so wanted to add one of these. Thanks for the help
either VSBSX or VFIRX I can choose either of these in my ROTH (can't add ETF's here). I already own about 12% BIL in another tax deferred account so wanted to add one of these. Thanks for the help
- Tue Oct 22, 2013 10:54 am
- Forum: Investing - Theory, News & General
- Topic: Harry Browne’s Permanent Portfolio
- Replies: 130
- Views: 21632
Re: Harry Browne’s Permanent Portfolio
OP here again
Which fund would you be more comfortable owning in the Permanent Portfolio for the 25% Treasury bond section
either VSBSX or VFIRX I can choose either of these in my ROTH (can't add ETF's here). I already own about 12% BIL in another tax deferred acount so wanted to add one of these. Thanks for the help
Which fund would you be more comfortable owning in the Permanent Portfolio for the 25% Treasury bond section
either VSBSX or VFIRX I can choose either of these in my ROTH (can't add ETF's here). I already own about 12% BIL in another tax deferred acount so wanted to add one of these. Thanks for the help
- Tue Oct 15, 2013 2:14 pm
- Forum: Investing - Theory, News & General
- Topic: Harry Browne’s Permanent Portfolio
- Replies: 130
- Views: 21632
Re: Harry Browne’s Permanent Portfolio
Any logic in recommending GLD instead of GTU or IAU? or would a mix of these make any difference in a tax deferred acount. Just trying to narrow my search. Thanks
- Tue Oct 15, 2013 12:24 pm
- Forum: Investing - Theory, News & General
- Topic: Harry Browne’s Permanent Portfolio
- Replies: 130
- Views: 21632
Re: Harry Browne’s Permanent Portfolio
Thanks for the reply "staythecourse"
I should mention, I have all tax advantaged accounts - - does that may a difference for the ETF/Fund choices since TLH won't come in to play?
I should mention, I have all tax advantaged accounts - - does that may a difference for the ETF/Fund choices since TLH won't come in to play?
- Tue Oct 15, 2013 10:33 am
- Forum: Investing - Theory, News & General
- Topic: Harry Browne’s Permanent Portfolio
- Replies: 130
- Views: 21632
Re: Harry Browne’s Permanent Portfolio
Ok, I think I am going to do the PP as suggested by Craig and MTex and of course Mr. Browne himself.
I am exhausted from all the reading I have done, but am glad I did it now.
Question 1
For the 25% bond portion is there any reason to choose VUSTX over TLT strategically. Presently I own both.
For the 25% stock portion is there any reason why VTI is a better option than VT
For the 25% cash portion would a split of BIL and SHY be wise if I want to "invest a little" over my emergency fund
For the 25% gold portion does a split of IAU/SGOL/GLD/GTU offer any advantages
Question 2
Would you recommend "all in now" or litlle by little over time?
Thank you
I am exhausted from all the reading I have done, but am glad I did it now.
Question 1
For the 25% bond portion is there any reason to choose VUSTX over TLT strategically. Presently I own both.
For the 25% stock portion is there any reason why VTI is a better option than VT
For the 25% cash portion would a split of BIL and SHY be wise if I want to "invest a little" over my emergency fund
For the 25% gold portion does a split of IAU/SGOL/GLD/GTU offer any advantages
Question 2
Would you recommend "all in now" or litlle by little over time?
Thank you
- Fri Aug 16, 2013 4:43 am
- Forum: Investing - Theory, News & General
- Topic: Two theory questions, please?
- Replies: 5
- Views: 676
Two theory questions, please?
Question 1
Assume I hold 100 shares of VUSTX.
1. Assume the value of the fund decreased by 50%, when the dividend pays out, does it pay on all 100 shares, or just the 50%?
2. If my new portfolio allocation calls for just the amount that is now in the negative to be my actual allocation, do I just keep and hold this lost amount of shares and wait it out or sell new shares bringing the new positive amount equal to what was lost. Hopefully someone understands what I am asking.
Thank you as always for the assistance.
Assume I hold 100 shares of VUSTX.
1. Assume the value of the fund decreased by 50%, when the dividend pays out, does it pay on all 100 shares, or just the 50%?
2. If my new portfolio allocation calls for just the amount that is now in the negative to be my actual allocation, do I just keep and hold this lost amount of shares and wait it out or sell new shares bringing the new positive amount equal to what was lost. Hopefully someone understands what I am asking.
Thank you as always for the assistance.
- Mon Aug 12, 2013 6:19 pm
- Forum: Personal Investments
- Topic: ROTH IRA fund question? VMLTX
- Replies: 9
- Views: 749