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fishdrzig

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 a...

fishdrzig

Thank you for the help everyone.

fishdrzig

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

fishdrzig

Would that be the SEC yield of 2.90 %

fishdrzig

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

fishdrzig

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.

fishdrzig

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

fishdrzig

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

fishdrzig

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 mo...

fishdrzig

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...

fishdrzig

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.

fishdrzig

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?

fishdrzig

Best fund or ETF for emergencyfund allocation in a taxable account? Any opinions?

fishdrzig

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?

fishdrzig

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

fishdrzig

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.

fishdrzig

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

fishdrzig

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?

fishdrzig

"REITS are an allocation distinct from equities." What say you?

fishdrzig

Thanks for the advice, can't argue with logic.

fishdrzig

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 t...

fishdrzig

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 ...

fishdrzig

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

fishdrzig

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, ...

fishdrzig

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 ...

fishdrzig

For those of you who practice this, where to you usually buy? I would like some leads to follow. Thank you

fishdrzig

What does this mean exactly?

fishdrzig

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?

fishdrzig

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

fishdrzig

livesoft 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.

Even in a tax advantaged account

fishdrzig

Kerplunk
Is this fund in a tax advantaged?

fishdrzig

ok, let me ask it this way.
What fund do you use for your emergency money?

fishdrzig

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

fishdrzig

Is it possible to purchase I bonds through Vanguard?
Thanks

fishdrzig

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 dedu...

fishdrzig

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 broker...

fishdrzig

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.

fishdrzig

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 re...

fishdrzig

Thank you linenfort that link was exactly what I was looking for. Much appreciated.

fishdrzig

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

fishdrzig

craigr - any thoughts on my all in ETF Permanent portfolio?

fishdrzig

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...

fishdrzig

Sorry I wasn't clear.
I was talking about the 25% cash allocation
I already have 25% TLT

fishdrzig

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...

fishdrzig

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. T...

fishdrzig

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

fishdrzig

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?

fishdrzig

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 th...

fishdrzig

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 ke...

fishdrzig

thanks

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