Search found 9922 matches

by rkhusky
Wed Sep 23, 2020 7:10 am
Forum: Personal Investments
Topic: Initial Investment Allocation (from 7 figs in cash), IRA, & Roth IRA
Replies: 1
Views: 155

Re: Initial Investment Allocation (from 7 figs in cash), IRA, & Roth IRA

Choose Vanguard Institutional Index Fund in her 401K. For the rest there are many options: Use Total Stock, Total International and Total Bond, or a LifeStrategy Fund (Moderate Growth), or a Target Retirement fund (2025 or 2030) in your Rollover IRA. Use Total Stock in your other IRA's and Total Int...
by rkhusky
Wed Sep 23, 2020 6:57 am
Forum: Personal Investments
Topic: No 401K at Work
Replies: 4
Views: 615

Re: No 401K at Work

Usually, you should consider all your retirements accounts as one portfolio (combined husband and wife) and strategize based on that. Examples: stock/bond ratio, stock/bond glide path, US/Int'l ratio. You should maximize all tax-advantaged retirement accounts (401k, IRA, HSA) before contributing to ...
by rkhusky
Tue Sep 22, 2020 8:52 pm
Forum: Personal Investments
Topic: TLH question
Replies: 22
Views: 1053

Re: TLH question

What I see are: A wash sale occurs when you sell or trade stock or securities at a loss and within 30 days before or after the sale you: 1.Buy substantially identical stock or securi-ties, 2.Acquire substantially identical stock or se-curities in a fully taxable trade, 3.Acquire a contract or optio...
by rkhusky
Tue Sep 22, 2020 8:41 pm
Forum: Personal Investments
Topic: TLH question
Replies: 22
Views: 1053

Re: TLH question

What I see are: A wash sale occurs when you sell or trade stock or securities at a loss and within 30 days before or after the sale you: 1.Buy substantially identical stock or securi-ties, 2.Acquire substantially identical stock or se-curities in a fully taxable trade, 3.Acquire a contract or optio...
by rkhusky
Tue Sep 22, 2020 8:37 pm
Forum: Personal Investments
Topic: TLH question
Replies: 22
Views: 1053

Re: TLH question

3. My taxable has VTSAX, and I was thinking of a TLH partner in VFIAX; however, most of my retirement accounts are VFIAX and/or S&P500 index funds. If I TLH VTSAX with VFIAX, and if future TLH opportunities arise, I may want to TLH VFIAX and VTSAX. Any tips or recs of maybe a better TLH partner for...
by rkhusky
Tue Sep 22, 2020 8:31 pm
Forum: Personal Investments
Topic: Any reason not to convert VG MFs to ETFs? (Retirement Acct)
Replies: 6
Views: 467

Re: Any reason not to convert VG MFs to ETFs? (Retirement Acct)

Another thought: If you are psychologically inclined to tinker with your portfolio ETFs are worse than MFs. With MFs you cant really do much during market swings in the day and that is a good thing imo. I agree mutual funds remove the temptation to play the market. With equivalent MFs and ETFs at V...
by rkhusky
Tue Sep 22, 2020 2:37 pm
Forum: Personal Investments
Topic: Few questions on backdoor Roth
Replies: 10
Views: 487

Re: Few questions on backdoor Roth

goaapl wrote: Tue Sep 22, 2020 1:17 pm
Is my understanding correct?

1. Sell all the positions today, total worth 10K
2. Next week move 10K to Roth
3. Pay taxes for $10K in 2020 returns
You wouldn’t have to wait until next week for #2, could happen the same day.
by rkhusky
Tue Sep 22, 2020 2:28 pm
Forum: Personal Investments
Topic: Few questions on backdoor Roth
Replies: 10
Views: 487

Re: Few questions on backdoor Roth

mhalley wrote: Tue Sep 22, 2020 12:48 pm If you are over the limit for doing a regular roth, the traditional IRA needs to be zero by Dec 31 to make a backdoor roth possible.
That’s not correct. You can still do the Backdoor Roth, but you will need to pay extra taxes.
by rkhusky
Tue Sep 22, 2020 6:58 am
Forum: Investing - Theory, News & General
Topic: Vanguard Multifactor fund VFMF has had a bad year
Replies: 93
Views: 4760

Re: VFMF has had a bad year

If tilting to small and value is chasing performance, then so is tilting towards equities. There are good reasons to tilt to small/value that don't depend on small/value offering higher risk adjusted returns (as measured by sharpe ratio). Large growth stocks and small value stocks are much more sim...
by rkhusky
Tue Sep 22, 2020 6:52 am
Forum: Non-US Investing
Topic: I am looking for a crypto-broker! Where do you buy your bitcoin/etherum/etc?
Replies: 18
Views: 957

Re: I am looking for a crypto-broker! Where do you buy your bitcoin/etherum/etc?

batman wrote: Tue Sep 22, 2020 5:07 am The other reason I want to own some crypto is that I see many younger people being interested in it and if I ask them they say they prefer it to gold or other assets.
What special knowledge/insights/foresight do young people have in regards to investing?
by rkhusky
Tue Sep 22, 2020 6:47 am
Forum: Personal Investments
Topic: TLH question
Replies: 22
Views: 1053

Re: TLH question

3. My taxable has VTSAX, and I was thinking of a TLH partner in VFIAX; however, most of my retirement accounts are VFIAX and/or S&P500 index funds. If I TLH VTSAX with VFIAX, and if future TLH opportunities arise, I may want to TLH VFIAX and VTSAX. Any tips or recs of maybe a better TLH partner for...
by rkhusky
Mon Sep 21, 2020 1:55 pm
Forum: Personal Investments
Topic: How often does underlying holdings and sectors change in Index Fund (VTSAX)
Replies: 4
Views: 349

Re: How often does underlying holdings and sectors change in Index Fund (VTSAX)

A cap weighted fund would also need to adjust its holdings if a company issued more stock shares or bought back shares.
by rkhusky
Mon Sep 21, 2020 7:08 am
Forum: Personal Investments
Topic: International out of Roth
Replies: 5
Views: 521

Re: International out of Roth

You don't get the foreign tax credit if you hold VXUS in a tax-advantaged account, like an IRA or 401K. But, if you hold VXUS in a taxable account, then you will pay extra tax versus a Total US fund because VXUS currently pays more in dividends and more of the dividends are not qualified. It's mostl...
by rkhusky
Sun Sep 20, 2020 8:36 pm
Forum: Investing - Theory, News & General
Topic: If I buy into an ETF/Mutual Fund, are new shares generated?
Replies: 6
Views: 433

Re: If I buy into an ETF/Mutual Fund, are new shares generated?

You own shares in an ETF or mutual fund. You are not a shareholder of the stocks - you cannot vote at a shareholder meeting. A total stock market investment does not affect prices. A sector fund investment would affect prices by some minuscule amount. So doesn't the ETF/MF buy and sell stocks to tr...
by rkhusky
Sun Sep 20, 2020 8:29 pm
Forum: Investing - Theory, News & General
Topic: If I buy into an ETF/Mutual Fund, are new shares generated?
Replies: 6
Views: 433

Re: If I buy into an ETF/Mutual Fund, are new shares generated?

You own shares in an ETF or mutual fund. You are not a shareholder of the stocks - you cannot vote at a shareholder meeting.

A total stock market investment does not affect prices. A sector fund investment would affect prices by some minuscule amount.
by rkhusky
Sun Sep 20, 2020 7:00 am
Forum: Personal Finance (Not Investing)
Topic: Improving the TSP [for current participants]
Replies: 427
Views: 67561

Re: Improving the TSP [for current participants]

Easier login and more security for My Account How is it an easier login when you eliminate a method to get a 2-factor code. I have to laugh every time a business tells me they are improving things by making things more difficult or reducing choices or increasing prices. I'm getting annoyed with Van...
by rkhusky
Sun Sep 20, 2020 6:33 am
Forum: Personal Consumer Issues
Topic: Grocery store didn't tell me Shingrix was $160
Replies: 197
Views: 12836

Re: Grocery store didn't tell me Shingrix was $160

Our health care system is so messy. In January 2020, I attempted to fill a prescription for a relative at a Walgreens. The copay had been $10 for a 90-day supply for a couple of years. However, the pharmacy wanted to charge $30. I asked why because my relative had the same insurance with no change ...
by rkhusky
Sat Sep 19, 2020 9:24 pm
Forum: Personal Consumer Issues
Topic: Are deleted videos on Iphone really deleted?
Replies: 17
Views: 2038

Re: Are deleted videos on Iphone really deleted?

If you have a passcode set for your phone and data encryption is turned on, you don't have to worry much about securely deleting files.
by rkhusky
Sat Sep 19, 2020 11:35 am
Forum: Personal Consumer Issues
Topic: Are deleted videos on Iphone really deleted?
Replies: 17
Views: 2038

Re: Are deleted videos on Iphone really deleted?

With flash memory it is much more difficult to retrieve deleted files but also harder to wipe specific files.
by rkhusky
Sat Sep 19, 2020 10:20 am
Forum: Investing - Theory, News & General
Topic: Lars Kroijer: If you are not in Total World (VT or VTWAX) you are market timing!
Replies: 46
Views: 3695

Re: Lars Kroijer: If you are not in Total World (VT or VTWAX) you are market timing!

You are not a market timer unless you make investment decisions based on current or anticipated market conditions. And there must be some element of time variation in your investing.

If you maintain a fixed allocation to US, you are not market timing.
by rkhusky
Sat Sep 19, 2020 7:48 am
Forum: Personal Investments
Topic: Portfolio shift
Replies: 9
Views: 563

Re: Portfolio shift

Are these funds in a 401k/IRA or in a taxable account? If both, list which funds are in which type of account. If you are looking to simplify, I would recommend Total Stock Market, Total International, and Total Bond. If this is all in 401k/IRA and you want to maintain a 60/40 allocation through ret...
by rkhusky
Sat Sep 19, 2020 7:04 am
Forum: Personal Finance (Not Investing)
Topic: The WR in practice [Withdrawal Rate]
Replies: 67
Views: 3809

Re: The WR in practice [Withdrawal Rate]

My withdrawal rate will be 3.5% and I'm planning on taking out that amount (per month) for life. So that would be $2,916.67. Just realize this is a rough planning amount. You won't actually be withdrawing that amount each month in retirement. You will withdraw whatever you happen to need. Therefore...
by rkhusky
Fri Sep 18, 2020 9:29 pm
Forum: Personal Investments
Topic: Fund Performance Comparisons
Replies: 23
Views: 1241

Re: Fund Performance Comparisons

Since inception doesn’t matter unless the dates are the same. It is better to look at a plot than a few numbers. That way you can see if there were any short periods of under or over performance that are driving the overall performance. And you can try to figure out the likelihood of those periods o...
by rkhusky
Fri Sep 18, 2020 8:25 pm
Forum: Personal Investments
Topic: STAR fund in a taxable account
Replies: 3
Views: 465

Re: STAR fund in a taxable account

If a mutual fund is desired, use something like TR2065. It is 90% stock and will stay that way for 20 years.
Or just wait to have $3k saved up. It won’t matter in the long term.
by rkhusky
Fri Sep 18, 2020 9:30 am
Forum: Investing - Theory, News & General
Topic: Vanguard Multifactor fund VFMF has had a bad year
Replies: 93
Views: 4760

Re: VFMF has had a bad year

I'd hope not, but given the Boglehead affinity for performance-chasing I wouldn't be surprised. Yes, like so many that invest in small value stocks because they did well in the past. Or those that jump into momentum or quality or profitability or low volatility stocks because they performed well in...
by rkhusky
Fri Sep 18, 2020 7:53 am
Forum: Investing - Theory, News & General
Topic: Vanguard Multifactor fund VFMF has had a bad year
Replies: 93
Views: 4760

Re: VFMF has had a bad year

I'd hope not, but given the Boglehead affinity for performance-chasing I wouldn't be surprised. Yes, like so many that invest in small value stocks because they did well in the past. Or those that jump into momentum or quality or profitability or low volatility stocks because they performed well in...
by rkhusky
Fri Sep 18, 2020 7:10 am
Forum: Investing - Theory, News & General
Topic: Vanguard Multifactor fund VFMF has had a bad year
Replies: 93
Views: 4760

Re: VFMF has had a bad year

I'd hope not, but given the Boglehead affinity for performance-chasing I wouldn't be surprised. Yes, like so many that invest in small value stocks because they did well in the past. Or those that jump into momentum or quality or profitability or low volatility stocks because they performed well in...
by rkhusky
Thu Sep 17, 2020 8:27 pm
Forum: Personal Investments
Topic: Thoughts on Cap-Weighting vs holding Small-Cap and Mid-Cap on their own?
Replies: 9
Views: 610

Re: Thoughts on Cap-Weighting vs holding Small-Cap and Mid-Cap on their own?

I suggest you consider all the IP, technologies, brands, and subsidiaries that the large companies own. Are you better off, as an investor, if they remain part of the large companies or split off as smaller companies? Or does it matter?
by rkhusky
Thu Sep 17, 2020 10:11 am
Forum: Personal Investments
Topic: Advice: Vanguard funds
Replies: 20
Views: 1636

Re: Advice: Vanguard funds

I suggest you look at target date funds. For example, Vanguard’s Target Retirement 2030 might be appropriate (or 2025). Just let Vanguard handle everything for you.
by rkhusky
Thu Sep 17, 2020 6:51 am
Forum: Investing - Theory, News & General
Topic: AQR still singing the same song
Replies: 114
Views: 8628

Re: AQR still singing the same song

Technical analysis involves timing, i.e. studying signals as a function of time. Calculating Beta does not involve timing. Beta is calculated over a time period. It's absolutely a function of time. And not all technical analysis is about precise timing either. Sure, the beta of an investment fluctu...
by rkhusky
Thu Sep 17, 2020 6:47 am
Forum: Personal Investments
Topic: VTSAX or VWELX
Replies: 4
Views: 821

Re: VTSAX or VWELX

Hello, I am wondering, where do I add additional $10,000 that I have currently to invest. It’s a taxable account. I have both VTSAX and VWELX. I would appreciate any guidance or suggestions you might be able to provide. Wellington (VWELX) is not tax efficient, so is best held in a tax-advantaged ac...
by rkhusky
Wed Sep 16, 2020 3:22 pm
Forum: Personal Consumer Issues
Topic: Grocery store didn't tell me Shingrix was $160
Replies: 197
Views: 12836

Re: Grocery store didn't tell me Shingrix was $160

Surprised that payment was not required at the time of service if it was clear that it wasn’t covered by insurance. If OP provided insurance info and the insurance didn’t pay, then OP is on the hook for payment and likely signed a form to that effect. The only way that the store has any liability is...
by rkhusky
Wed Sep 16, 2020 3:12 pm
Forum: Personal Investments
Topic: Huge loss on FDX single stock
Replies: 94
Views: 7121

Re: Huge loss on FDX single stock

OP could have sold FDX last year and bought VTSAX. Then after 30 days could have rebought FDX if doing so was favorable, ie Tax Loss Harvest. Claim the loss and tax break and perhaps maintain the position to see if it jumped back up in the future.
by rkhusky
Wed Sep 16, 2020 7:04 am
Forum: Investing - Theory, News & General
Topic: AQR still singing the same song
Replies: 114
Views: 8628

Re: AQR still singing the same song

Not even traditional academic theory in finance can escape technical analysis. Take a concept that's as simple and commonplace as beta for instance. If beta is useful as any kind indicator of a stock's expected returns or price volatility then even the use of beta could be considered a kind of tech...
by rkhusky
Wed Sep 16, 2020 6:59 am
Forum: Personal Investments
Topic: Substituting bond with RE/utility ETFs?
Replies: 46
Views: 2671

Re: Substituting bond with RE/utility ETFs?

I understand they're not bonds, I just want to get rid of BND. With all portfolio stabilization/rebalancing considerations, I do not feel good with keeping 20% of my portfolio in something equaling to a guaranteed loss (after inflation). Quit looking at portions of your portfolio and look at the pe...
by rkhusky
Tue Sep 15, 2020 8:37 pm
Forum: Personal Investments
Topic: Which are taxed first long-term capital gains or short-term capital gains?
Replies: 9
Views: 980

Re: Which are taxed first long-term capital gains or short-term capital gains?

The QD & CG worksheet starts with Taxable Income from line 11b, which includes wages and all cap gains. The lesser of LTCG and LTCG + STCG is then subtracted (which is essentially the LTCG). The tax on this is computed (which is essentially wages + STCG). The tax on the LTCG is computed and added to...
by rkhusky
Tue Sep 15, 2020 8:49 am
Forum: Investing - Theory, News & General
Topic: Tax Loss harvesting and LT losses carryover - confused
Replies: 19
Views: 868

Re: Tax Loss harvesting and LT losses carryover - confused

Yes, but the loss does not have to be carried over till next year - whatever you have after offsetting this gain can be used to reduce your taxable income this year. Up to $3000/year. And I don’t think you have a choice. Any remainder is carried over to the next year. I would not generate gains, sh...
by rkhusky
Tue Sep 15, 2020 8:42 am
Forum: Personal Investments
Topic: My four plan vanguard portfolio !
Replies: 40
Views: 3931

Re: My four plan vanguard portfolio !

It’s good to hold different funds in taxable and tax-advantaged for TLH’ing and avoiding wash sales. You could use VOO in taxable and VTI in the IRA or vice-versa. Use Large Cap Index for a TLH partner.
by rkhusky
Tue Sep 15, 2020 6:39 am
Forum: Personal Investments
Topic: Vanguard Roth Performance
Replies: 17
Views: 1518

Re: Vanguard Roth Performance

Stay the course with your TR 2020 fund (VTWNX). No one knows what the future holds.

Since TR 2020 is currently at 50/50, I presume you have other holdings that bring your total up to an AA of 60/40.
by rkhusky
Mon Sep 14, 2020 6:09 pm
Forum: Personal Investments
Topic: Safer investments for 8m over 2-3 years?
Replies: 28
Views: 2721

Re: Safer investments for 8m over 2-3 years?

tmbm50 wrote: Mon Sep 14, 2020 5:54 pm
I think I leaning towards a good mix of CDs,Tresuries and 10-20 stocks etc.
Hopefully you meant 10-20% in stocks, ie Total Stock Market and/or Total International Stock Market.
by rkhusky
Mon Sep 14, 2020 8:35 am
Forum: Personal Investments
Topic: Thoughts on VTWAX Rebalancing
Replies: 19
Views: 1092

Re: Thoughts on VTWAX Rebalancing

Comparing VT with a 60/40 combo of VTSMX/VGTSX using 5% rebalancing bands in PortfolioVisualizer finds that the 2-fund portfolio outperforms VT with CAGR of 11.64% vs 10.68% and STD of 15.48% vs 16.06% from Jan 2009 - Aug 2020. For Jan 2015 - Aug 2020, the results are CAGR of 8.79% vs 8.38% and STD...
by rkhusky
Mon Sep 14, 2020 6:36 am
Forum: Personal Finance (Not Investing)
Topic: Question on marginal tax rate when dividends/LTCG are included
Replies: 4
Views: 439

Re: Question on marginal tax rate when dividends/LTCG are included

You generally only get a different marginal rate if some dividends/LTCG are being pushed into a higher bracket. The LTCG rate of 20% kicks in at a MAGI > $496,600. There is also the Net Investment Income Tax (NIIT) of 3.8% that kicks in with a MAGI > $250K for MFJ. Does the AMT affect you? What perc...
by rkhusky
Mon Sep 14, 2020 6:28 am
Forum: Personal Finance (Not Investing)
Topic: FIRE Calculator Accurate?
Replies: 13
Views: 1844

Re: FIRE Calculator Accurate?

It's an issue of false precision. Retirement in 20-30 years seems reasonable. Re-evaluate in 10 years. If the estimate says another 10 years, re-evaluate 5 years after that.
by rkhusky
Sun Sep 13, 2020 7:11 pm
Forum: Personal Investments
Topic: Thoughts on VTWAX Rebalancing
Replies: 19
Views: 1092

Re: Thoughts on VTWAX Rebalancing

Comparing VT with a 60/40 combo of VTSMX/VGTSX using 5% rebalancing bands in PortfolioVisualizer finds that the 2-fund portfolio outperforms VT with CAGR of 11.64% vs 10.68% and STD of 15.48% vs 16.06% from Jan 2009 - Aug 2020. For Jan 2015 - Aug 2020, the results are CAGR of 8.79% vs 8.38% and STD ...
by rkhusky
Sun Sep 13, 2020 6:53 am
Forum: Personal Investments
Topic: How to adjust asset allocation
Replies: 6
Views: 539

Re: How to adjust asset allocation

It's best to arrange your portfolio so you can do all your rebalancing in tax advantaged accounts (401k, IRA). It's best if you do not have the same funds in taxable as you do in tax-advantaged accounts (see tax loss harvesting and wash sales). Since you are using S&P 500 in your 401k, you might wan...
by rkhusky
Sat Sep 12, 2020 9:23 pm
Forum: Investing - Theory, News & General
Topic: AQR still singing the same song
Replies: 114
Views: 8628

Re: AQR still singing the same song

typical.investor wrote: Sat Sep 12, 2020 8:39 pm
Well, I think factor investing explains recent returns quite well.
Actually, factor models explain many investment returns quite well. Factor investing has very little to do with factor models, other than both involve factors.
by rkhusky
Sat Sep 12, 2020 12:18 pm
Forum: Personal Finance (Not Investing)
Topic: FEDVIP [Federal Employees Dental and Vision Insurance Program]
Replies: 24
Views: 2048

Re: Chosing FEDVIP

For many years we used Fed BC/BS Medical for dental cleanings, checkups and xrays, and paid out of pocket for everything else. We added GEHA Dental when the kids needed braces. I didn't realize at the time about the second payer setup, where the dentist has to submit to BCBS first and then to GEHA, ...
by rkhusky
Sat Sep 12, 2020 10:17 am
Forum: Personal Investments
Topic: Efficient liquidation of Vanguard funds
Replies: 12
Views: 1253

Re: Efficient liquidation of Vanguard funds

The answer depends on your priorities. Is it more important to reduce the number of funds versus doing the most optimal thing regarding taxes? I think it is fine to liquidate funds that have zero or small gains in order to simplify the portfolio, even if the shares have a mix of gains or losses. It ...
by rkhusky
Fri Sep 11, 2020 9:30 pm
Forum: Personal Investments
Topic: Customer Service & Ease-Of-Use: Vanguard vs. Fidelity
Replies: 64
Views: 5501

Re: Customer Service & Ease-Of-Use: Vanguard vs. Fidelity

palanzo wrote: Fri Sep 11, 2020 6:17 pm Probably not much better. JD Power gets paid for it's "surveys".
I would guess that most polling services get paid.