Search found 5024 matches

by rkhusky
Mon Apr 16, 2018 10:00 pm
Forum: Investing - Help with Personal Investments
Topic: TSP Allocation
Replies: 14
Views: 1118

Re: TSP Allocation

You can even split the TSP into Roth if it helps you. I plan to split 50:50 into traditional:Roth TSP: 6-months into traditional (emphasis on G & F funds), then 6-months into Roth TSP (emphasis on C, S, & maybe I funds). This would minimize tax drag down the road. Rebalancing can occur in Roth IRA,...
by rkhusky
Mon Apr 09, 2018 3:25 pm
Forum: Personal Consumer Issues
Topic: KeePass random generator
Replies: 17
Views: 1793

Re: KeePass random generator

How are you sure there isn't a problem? And, if you are using a copy/paste or auto-fill method for passwords, there isn't much effort in changing passwords. It's not like you are trying to memorize them. What problem are you solving by changing one strong password to another, and why is NIST not aw...
by rkhusky
Mon Apr 09, 2018 3:20 pm
Forum: Investing - Theory, News & General
Topic: Swedroe: Look Beyond 60/40 Portfolio
Replies: 237
Views: 14767

Re: Swedroe: Look Beyond 60/40 Portfolio

If, on the other hand, one looks for incremental return by adding unique and independent risks/ sources of return, then there is a reasonable chance some of them will go down less or maybe be positive at the bad times for market beta. There is not enough history on these new products to say whether...
by rkhusky
Mon Apr 09, 2018 7:57 am
Forum: Investing - Theory, News & General
Topic: Swedroe: Look Beyond 60/40 Portfolio
Replies: 237
Views: 14767

Re: Swedroe: Look Beyond 60/40 Portfolio

The one big unifying theme is portfolio efficiency. The common theme to all of the potential portfolio additions Larry recommends is a better portfolio. That can be described several ways: same expected return with smaller standard deviation, moving closer to the efficient frontier, minimizing vola...
by rkhusky
Mon Apr 09, 2018 7:31 am
Forum: Investing - Help with Personal Investments
Topic: Asset Allocation w/ Special Needs Child
Replies: 16
Views: 794

Re: Asset Allocation w/ Special Needs Child

I am currently at 60/40 across all accounts to reflect my moderately conservative temperament. I wonder if I need to increase my equity allocation as a result of this potential need for us to cover therapy costs during childhood and adolescence, and the potential of needing to provide into adulthoo...
by rkhusky
Mon Apr 09, 2018 7:12 am
Forum: Personal Consumer Issues
Topic: KeePass random generator
Replies: 17
Views: 1793

Re: KeePass random generator

If you have a good strong password, you probably don't need to change it more than once every year or two. For sites that don't allow strong passwords, you should change more frequently, perhaps every 3 or 6 months. If you use strong, unique passwords, why do you need to change them at all, unless ...
by rkhusky
Mon Apr 09, 2018 7:09 am
Forum: Personal Finance (Not Investing)
Topic: What tax forms do I need?
Replies: 4
Views: 250

Re: What tax forms do I need?

Gill wrote:
Mon Apr 09, 2018 6:51 am
Form 1040 and related schedules.
Gill
+1
Work through the 1040 and it will tell you what additional forms you need.
by rkhusky
Sun Apr 08, 2018 9:33 pm
Forum: Investing - Help with Personal Investments
Topic: 529 Rebalance?
Replies: 3
Views: 363

Re: 529 Rebalance?

Longtime lurker, first time poster. 👋 I currently have Vanguard 529 accounts for my young children (under 4). Both accounts are evenly divided between growth and aggressive growth age-based funds. With their college 15-17 years out, do you think it would be wise to rebalance to a more conservative ...
by rkhusky
Sun Apr 08, 2018 9:18 pm
Forum: Personal Consumer Issues
Topic: KeePass random generator
Replies: 17
Views: 1793

Re: KeePass random generator

If you have a good strong password, you probably don't need to change it more than once every year or two. For sites that don't allow strong passwords, you should change more frequently, perhaps every 3 or 6 months.
by rkhusky
Sat Apr 07, 2018 5:07 pm
Forum: Investing - Theory, News & General
Topic: Value premium harvestable?
Replies: 39
Views: 2280

Re: Value premium harvestable?

I do that in the US not because I'm certain of factor outperformance but rather because TSM, my large core holding, is itself tilted to LCG and technology. The cap-weighted total stock market is the baseline and, as such, has no tilts. The point, I believe, is that if you break down the U.S. total ...
by rkhusky
Sat Apr 07, 2018 2:29 pm
Forum: Investing - Theory, News & General
Topic: Value premium harvestable?
Replies: 39
Views: 2280

Re: Value premium harvestable?

garlandwhizzer wrote:
Sat Apr 07, 2018 11:57 am
I do that in the US not because I'm certain of factor outperformance but rather because TSM, my large core holding, is itself tilted to LCG and technology.
The cap-weighted total stock market is the baseline and, as such, has no tilts.
by rkhusky
Sat Apr 07, 2018 11:07 am
Forum: Investing - Help with Personal Investments
Topic: What is the best way to inherit a large IRA amount
Replies: 7
Views: 829

Re: What is the best way to inherit a large IRA amount

Unless there is another source of income, it looks like your parents would be in the 22% tax bracket with just the RMD's. That's sort of an average tax bracket. And the next tax bracket up is only 24%, which is also average. I wouldn't characterize that as generating a very large tax bill. They coul...
by rkhusky
Sat Apr 07, 2018 7:38 am
Forum: Personal Finance (Not Investing)
Topic: Tax withholding allowances
Replies: 6
Views: 552

Re: Tax withholding allowances

You first need to find how much each allowance is worth. Many states use the federal amount which is $4150 (yearly) for 2018. You can find the federal rules in Publication 15. Then you need to find how the state taxes income - is it a flat tax or are there brackets, and what are the tax rate(s)? Aga...
by rkhusky
Sat Apr 07, 2018 7:29 am
Forum: Investing - Theory, News & General
Topic: Value premium harvestable?
Replies: 39
Views: 2280

Re: Value premium harvestable?

asif408 wrote:
Sat Apr 07, 2018 6:30 am
And that is that starting and ending points matter, even over long periods.
+1
by rkhusky
Fri Apr 06, 2018 6:22 am
Forum: Investing - Help with Personal Investments
Topic: Annuity to ROTH Conversion
Replies: 4
Views: 360

Re: Annuity to ROTH Conversion

It was a cash inheritance to the tune of several 100 thousand. She and I are both newly retired. Have multiple investments/pension/etc. I am 64. She is 65 Was looking for a place to park the monies because staying in the abomination is not an option. Didn't know enough about ROTH's but seemed like ...
by rkhusky
Thu Apr 05, 2018 9:43 pm
Forum: Investing - Theory, News & General
Topic: Is absolute momentum market timing ?
Replies: 21
Views: 1485

Re: Is absolute momentum market timing ?

Where are the factor fans? Could you imagine a thread titled "Is small-cap value market timing?" Exactly, for me momentum is only a factor like another and not a market timing strategy People who invest in small value stay in small value for years. They don’t switch between value and growth every t...
by rkhusky
Wed Apr 04, 2018 7:10 pm
Forum: Personal Finance (Not Investing)
Topic: NY passes law to get around SALT limit
Replies: 47
Views: 5627

Re: NY passes law to get around SALT limit

Also not sure if this helps. With $24k in standard deduction, would have to have lots of other deductions or very large property taxes to bother making payments to this "charity". [...] Many in NYS do pay more than $14k, in property tax, but certainly not all, and it remains TBD if you can get the ...
by rkhusky
Wed Apr 04, 2018 6:57 pm
Forum: Investing - Theory, News & General
Topic: Is absolute momentum market timing ?
Replies: 21
Views: 1485

Re: Is absolute momentum market timing ?

Yes it's 100% stocks or 100% depending on the state of the market. Absolute momentum (SPX, Bonds) vs B&H is flat for the period 1970 to 2000 but spreading since then ("thanks" to the two bear markets) Too rich for my blood. Sounds like gambling to me. Hopefully you are doing this in a tax-advantage...
by rkhusky
Wed Apr 04, 2018 1:11 pm
Forum: Personal Finance (Not Investing)
Topic: NY passes law to get around SALT limit
Replies: 47
Views: 5627

Re: NY passes law to get around SALT limit

Da5id wrote:
Wed Apr 04, 2018 1:07 pm
The tax professors cited above clearly would know this, but I gather this is a different category of contribution?
Thanks. I missed the post by SuzBanyan above.
by rkhusky
Wed Apr 04, 2018 1:02 pm
Forum: Personal Finance (Not Investing)
Topic: NY passes law to get around SALT limit
Replies: 47
Views: 5627

Re: NY passes law to get around SALT limit

I thought you could not benefit from charitable contributions? And, if you did, you had to subtract the value of the benefit from the charitable contribution? While the state can certainly reduce its own tax through this mechanism, that does not necessarily mean that the federal government has to ac...
by rkhusky
Wed Apr 04, 2018 12:49 pm
Forum: Investing - Theory, News & General
Topic: Is absolute momentum market timing ?
Replies: 21
Views: 1485

Re: Is absolute momentum market timing ?

I am currently investing my money through the process of dual momentum (relative momentum on the strongest asset during the last 12m between S&P500 and Developed ex-US) I thought momentum strategies only looked at the past couple of months or less. and absolute momentum ( = times series momentum: i...
by rkhusky
Wed Apr 04, 2018 8:18 am
Forum: Personal Finance (Not Investing)
Topic: taxes: e-file vs. paper
Replies: 51
Views: 3403

Re: taxes: e-file vs. paper

I prefer filing directly with the IRS and state. And I find filing a paper return quite easy using the pdf's provided by the IRS. I imagine the forms are formatted so that they can scan the paper right into an electronic file, with minimal manual data entry. I thought so too but in another thread e...
by rkhusky
Wed Apr 04, 2018 7:48 am
Forum: Personal Finance (Not Investing)
Topic: How did you file your income taxes?
Replies: 77
Views: 3786

Re: How did you file your income taxes?

I use a spreadsheet throughout the year to estimate taxes. I copy the final numbers into the IRS pdf forms, print and mail. I usually owe, so my cashed check serves as notice that the IRS received my return. I only have 1040 and Scheds A, B & D (w/8949). And often haven't had D. In the future won't ...
by rkhusky
Wed Apr 04, 2018 7:35 am
Forum: Personal Finance (Not Investing)
Topic: taxes: e-file vs. paper
Replies: 51
Views: 3403

Re: taxes: e-file vs. paper

I just can't understand why anyone would prefer to send in paper returns, when e-filing is so much easier, and you get an immediate acknowledgement that your return was in fact filed. I always owe -- haven't had a refund for 25 years. As always, this year IRS will take their money by direct debit o...
by rkhusky
Tue Apr 03, 2018 7:30 am
Forum: Investing - Theory, News & General
Topic: Bonds in TSP - but what if it’s split 50% Roth TSP?!
Replies: 20
Views: 1517

Re: Bonds in TSP - but what if it’s split 50% Roth TSP?!

RamblinDoc wrote:
Tue Apr 03, 2018 3:01 am
However I anticipate to be in a higher tax bracket later with a pension
If you expect to be in a higher tax bracket in retirement than you are right now, maximizing Roth would be a better choice.
by rkhusky
Tue Apr 03, 2018 7:21 am
Forum: Investing - Help with Personal Investments
Topic: Suspected Quicken Bug on Capital Gains
Replies: 6
Views: 574

Re: Suspected Quicken Bug on Capital Gains

And the amount you sold wasn't so large that rounding errors could cause a $100 discrepancy (i.e. you bought a million shares at $1.0001 or sold a million shares at $0.9999)?
by rkhusky
Tue Apr 03, 2018 7:16 am
Forum: Investing - Help with Personal Investments
Topic: Moving FROM Vanguard Admiral-Class TO Vanguard Investor-Class
Replies: 11
Views: 1394

Re: Moving FROM Vanguard Admiral-Class TO Vanguard Investor-Class

Perhaps you can just move them as they are and Fidelity will automatically convert them to Investor as part of the process, since they don't offer Admiral shares. Give it a try. Either Fidelity will do it or they will tell you that you have to convert to Investor first.
by rkhusky
Tue Apr 03, 2018 7:06 am
Forum: Investing - Help with Personal Investments
Topic: Tax loss harvesting
Replies: 5
Views: 436

Re: Tax loss harvesting

You may need $3000 to open the MM, but once it's open you don't need to maintain a $3000 minimum. In terms of brokerage accounts, others have complained that in a brokerage account you can't direct dividends/cap gains to any account you want - you have to send them to your sweep account, others don'...
by rkhusky
Tue Apr 03, 2018 7:01 am
Forum: Investing - Help with Personal Investments
Topic: Rebalance TRowePrice 401k to help with Vanguard TLH
Replies: 7
Views: 514

Re: Rebalance TRowePrice 401k to help with Vanguard TLH

Thanks for the advice. Is it true that I would need to wait 30 days from the most recent investment or reinvestment (from dividends or automatic investments) into that fund before I can sell it for a TLH? I remember it being 30 days from the last purchase and then you need to wait another 30 days a...
by rkhusky
Tue Apr 03, 2018 6:48 am
Forum: Personal Finance (Not Investing)
Topic: closing my 401K in the middle of doing backdoor roth IRA?
Replies: 10
Views: 662

Re: closing my 401K in the middle of doing backdoor roth IRA?

1. roll my 401k into an IRA and keep it with my FA (assuming same fee schedule). This would make me ineligible to do my backdoor roth right? pro-rata rule... You are not ineligible. It's just that the pro-rata rule makes it a not very good option. 2. roll it into my new employers 401K plan. I don't...
by rkhusky
Mon Apr 02, 2018 6:44 am
Forum: Investing - Theory, News & General
Topic: Bonds in TSP - but what if it’s split 50% Roth TSP?!
Replies: 20
Views: 1517

Re: Bonds in TSP - but what if it’s split 50% Roth TSP?!

I would put stocks and bonds in the TSP, Roth IRA's and in taxable, with a bias towards bonds in TSP and stocks in Roth IRA's and taxable. Without knowing more information, it's difficult to provide more specifics.
by rkhusky
Sun Apr 01, 2018 7:57 am
Forum: Investing - Help with Personal Investments
Topic: A basic, elementary question on why it makes sense to invest more in stocks than bonds despite dividend rates
Replies: 18
Views: 1856

Re: A basic, elementary question on why it makes sense to invest more in stocks than bonds despite dividend rates

When people here talk about dividend yield, it is usually in terms of tax inefficiency, i.e. the higher the yield the less efficient in a taxable account. In a taxable account, you have to pay taxes every year on the dividends at your current marginal income tax rate . If you have an efficient stoc...
by rkhusky
Sat Mar 31, 2018 3:03 pm
Forum: Personal Finance (Not Investing)
Topic: taxes: e-file vs. paper
Replies: 51
Views: 3403

Re: taxes: e-file vs. paper

If the US IRS had this capability, I would e-file. I object to having to pay someone, buy software, or have my data pass through another entity, in order to file taxes. I would be happy if the IRS set up a drop box to upload fillable pdf's. In 2002, the IRS agreed not to provide e-filing services d...
by rkhusky
Sat Mar 31, 2018 9:24 am
Forum: Investing - Help with Personal Investments
Topic: A basic, elementary question on why it makes sense to invest more in stocks than bonds despite dividend rates
Replies: 18
Views: 1856

Re: A basic, elementary question on why it makes sense to invest more in stocks than bonds despite dividend rates

Fidelity's SP500 index fund has a dividend yield of .93%. So $10,000 invested would receive $93 in yearly dividends. Fidelity's international index fund has a dividend yield of 2.36%. So $10,000 invested would receive $236 in yearly dividends. And Fidelity's bond index fund has a dividend yield of ...
by rkhusky
Sat Mar 31, 2018 8:21 am
Forum: Investing - Help with Personal Investments
Topic: These 3 Admiral Shares Funds?
Replies: 11
Views: 1404

Re: These 3 Admiral Shares Funds?

If I go with VTSAX, VTIAX and VBTLX as my 3 fund portfolio in a ROTH, the 3 ER's total .20% ER, while the LifeStrategy Moderate Growth is .13 ER%. So wouldn't the LifeStrategy be a bit cheaper? Don't total them - average would be more appropriate. And it should be a weighted average, which reduces ...
by rkhusky
Sat Mar 31, 2018 8:17 am
Forum: Investing - Help with Personal Investments
Topic: In September I will turn 70. A question on rebalancing
Replies: 6
Views: 967

Re: In September I will turn 70. A question on rebalancing

BTW, I have been rebalancing about annually but not sure if it is not a waste of time and money. Rebalancing shouldn't cost anything if it is done in a tax-advantaged account. And it doesn't take that long, maybe 5-10 minutes if you have your three asset classes in three funds. And if you like, jus...
by rkhusky
Fri Mar 30, 2018 8:12 pm
Forum: Personal Finance (Not Investing)
Topic: taxes: e-file vs. paper
Replies: 51
Views: 3403

Re: taxes: e-file vs. paper

You can even save a .tax file to your hard drive and then upload it directly to the Canada Revenue Agency. If the US IRS had this capability, I would e-file. I object to having to pay someone, buy software, or have my data pass through another entity, in order to file taxes. I would be happy if the...
by rkhusky
Fri Mar 30, 2018 10:22 am
Forum: Investing - Theory, News & General
Topic: Should I be worried about the S&P Index fund ?
Replies: 51
Views: 5675

Re: Should I be worried about the S&P Index fund ?

Note that one of the reasons Google renamed their company to "Alphabet" is to better convey how large of a conglomerate they are Perhaps someone could explain how breaking Alphabet into its constituent parts to form separate companies, so that it is not so large a component of the S&P500, would mak...
by rkhusky
Fri Mar 30, 2018 10:16 am
Forum: Investing - Theory, News & General
Topic: % Portfolio Wieght Concerns?
Replies: 23
Views: 1244

Re: % Portfolio Wieght Concerns?

If one of the large companies split apart into 5 separate companies, would that make you more comfortable? Even though each of those now separate companies would be doing exactly what they were doing before with exactly the same products, just now with separate accounting, legal, management, etc gro...
by rkhusky
Fri Mar 30, 2018 5:45 am
Forum: Investing - Help with Personal Investments
Topic: Rollover to Vanguard requires brokerage account?
Replies: 20
Views: 1390

Re: Rollover to Vanguard requires brokerage account?

Having the Quantity times the Price not equal the Amount, as in the brokerage listing, is irritating. Your brokerage account shows purchases of mutual funds with non-integer share prices, so the quantity will have some round-off error. For some reason, Vanguard is reporting to 4 digits even though ...
by rkhusky
Thu Mar 29, 2018 7:34 pm
Forum: Investing - Help with Personal Investments
Topic: Rollover to Vanguard requires brokerage account?
Replies: 20
Views: 1390

Re: Rollover to Vanguard requires brokerage account?

Below is an example screen for the transactions from a mutual fund account: https://s31.postimg.org/b8vp0fekb/mutualfund.png Here are transactions for a brokerage account: https://s31.postimg.org/x9c1gk4sr/brokerage.png Having the Quantity times the Price not equal the Amount, as in the brokerage li...
by rkhusky
Thu Mar 29, 2018 8:23 am
Forum: Personal Finance (Not Investing)
Topic: taxes: e-file vs. paper
Replies: 51
Views: 3403

Re: taxes: e-file vs. paper

Depending on your income, you may have to pay to e-file. Some people pay for tax-prep software, which can include free e-file.

Or you can download fillable pdf's or obtain paper forms and mail your paper return for the cost of postage.
by rkhusky
Thu Mar 29, 2018 6:15 am
Forum: Personal Finance (Not Investing)
Topic: Interest only vs. Traditional mortgage
Replies: 7
Views: 774

Re: Interest only vs. Traditional mortgage

I think it depends on what is more important, a lower payment or paying less interest, similar to deciding between a 15 and 30 year loan. Interest-only is like an infinite-year loan. If you can invest the payment difference and earn more than the interest difference, such that your total return is g...
by rkhusky
Thu Mar 29, 2018 6:01 am
Forum: Investing - Help with Personal Investments
Topic: Total return vs dividends
Replies: 54
Views: 4463

Re: Total return vs dividends

My other question is that if my portfolio generates consistent dividends and interest income, I’ll never be forced to sell shares when the market is down. If the stock market is down, then one would sell bonds for living expenses. And then further rebalance if necessary, by selling more bonds and b...
by rkhusky
Wed Mar 28, 2018 2:22 pm
Forum: Personal Finance (Not Investing)
Topic: How Do You Value Your Home for Net Worth Purposes?
Replies: 150
Views: 9003

Re: How Do You Value Your Home for Net Worth Purposes?

I track total net worth and retirement account net worth. I use our city's estimate of value, which is reasonable since we live in suburbia with many similar houses being bought/sold.
by rkhusky
Wed Mar 28, 2018 7:08 am
Forum: Investing - Help with Personal Investments
Topic: Rebalance TRowePrice 401k to help with Vanguard TLH
Replies: 7
Views: 514

Re: Rebalance TRowePrice 401k to help with Vanguard TLH

No where does IRS guidance say that 401k's are included in wash sales. IRAs and taxable accounts yes. 401k, no. I will speculate that one of the reasons is because of your exact issue - you do not have full control of the account. And nowhere does the IRS say that 401k's are exempted. Like the defi...
by rkhusky
Tue Mar 27, 2018 2:36 pm
Forum: Investing - Theory, News & General
Topic: Tax Efficiency of Mutual Funds
Replies: 7
Views: 555

Re: Tax Efficiency of Mutual Funds

Hi, I'm trying to make the taxable portion of our portfolio more tax-efficient. For stock mutual funds, is there a relationship between capital gains distributions (which are tax inefficient) to non-qualified dividends (also tax inefficient)? In other words, are funds which have NQ dividends also l...
by rkhusky
Tue Mar 27, 2018 2:27 pm
Forum: Investing - Help with Personal Investments
Topic: Time to sell intermerdiate and long term bonds?
Replies: 19
Views: 1744

Re: Time to sell intermerdiate and long term bonds?

:confused I have BIV and BLV and VCLT in my taxable brokerage account. Since I purchased them in 2016 I've lost 7.31% of the intermediate bond ETF, 8.66% of the long term and 5.74% of the long term corporate bond ETF. Something on the order of $1600. With interest rates unlikely to go down is it ti...
by rkhusky
Tue Mar 27, 2018 6:48 am
Forum: Investing - Theory, News & General
Topic: Grok's LMP-4: The 3-legged stool approach to retirement planning
Replies: 114
Views: 7489

Re: Grok's LMP-4: The 3-legged stool approach to retirement planning

Rather than equal thirds, why not just set the asset level of the TIPs and/or annuity leg so that it plus SS covers projected expenses in real terms? This would then be the income flooring method, and because projected expenses are covered, any remaining assets then could be invested aggressively o...
by rkhusky
Mon Mar 26, 2018 6:52 pm
Forum: Investing - Help with Personal Investments
Topic: Should I rebalance Fidelity Portfolio?
Replies: 10
Views: 858

Re: Should I rebalance Fidelity Portfolio?

For example, if you want a 60/40 portfolio with 40% of stocks in Int'l, then go with 36/24/40 US/Int'l/Bonds per the funds identified in the previous posts. If you want a 50/50 portfolio, use 30/20/50 US/Int'l/Bonds. And for 40/60, it would be 24/16/60. Using just the Total US, Total Int'l, and Tota...