Search found 54 matches

by rad doc
Fri Feb 09, 2018 3:23 pm
Forum: Investing - Theory, News & General
Topic: "The stock market is officially in a correction... here's what usually happens next"
Replies: 83
Views: 14605

Re: "The stock market is officially in a correction... here's what usually happens next"

Okay, I'll admit it. I'm a market timer now. It started in 2009 when I went from 70/30 to 100% equities because they were cheap IMO. Stayed 100/0 until Oct 2017- went to 30/70 because equities are overpriced IMO. When my FB friends were posting their 401k statements online, I went to 20/80. I'll ge...
by rad doc
Fri Dec 01, 2017 3:50 pm
Forum: Investing - Help with Personal Investments
Topic: Is investing in the stock market just like investing in a house for appreciation?
Replies: 33
Views: 1813

Re: Is investing in the stock market just like investing in a house for appreciation?

Well, yes hence I used the word return which can be a gain or loss. Depending on the market though, housing may be less volatile.
by rad doc
Fri Dec 01, 2017 2:32 pm
Forum: Personal Finance (Not Investing)
Topic: I Can "Afford" This Right? (New Car)
Replies: 60
Views: 5384

Re: I Can "Afford" This Right? (New Car)

Didn't read everyone's response, but you can afford it. To be honest, depending on what you're looking for, don't buy that Lexus if you're wanting a "sports car". Severely overpriced and under powered. I picked up a 2007 911 Turbo for myself within that price range. Best bargain for a car that does...
by rad doc
Fri Dec 01, 2017 2:08 pm
Forum: Investing - Help with Personal Investments
Topic: Is investing in the stock market just like investing in a house for appreciation?
Replies: 33
Views: 1813

Re: Is investing in the stock market just like investing in a house for appreciation?

Well they are similar in that they are both speculative! One nice thing about housing is the return may be on a higher leveraged amount.
by rad doc
Wed Nov 29, 2017 6:21 pm
Forum: Investing - Theory, News & General
Topic: A time to EVALUATE your jitters
Replies: 255
Views: 235079

Re: A time to EVALUATE your jitters

By all means, you were and most here are very helpful! Good questions. I suppose to start, I would feel more comfortable if the metrics such as the CAPE, didnt suggest the market is so grossly overvalued, only higher during dot com bubble and actually at the same level as the Great Depression. Now, ...
by rad doc
Wed Nov 29, 2017 4:09 pm
Forum: Investing - Theory, News & General
Topic: A time to EVALUATE your jitters
Replies: 255
Views: 235079

Re: A time to EVALUATE your jitters

Yes, I understand all the data is known to market participants, hence efficient markets. I am not really proposing market timing just a general consensus that market conditions suggest now may not be the best time to put it all in. If market does take a dramatic down turn, history says it could take...
by rad doc
Wed Nov 29, 2017 2:01 am
Forum: Investing - Theory, News & General
Topic: A time to EVALUATE your jitters
Replies: 255
Views: 235079

Re: A time to EVALUATE your jitters

Relevant to jitters and overvaluation, what would somone do with a new lump sum at such times? I posted about windfall in prior thread that now has me at around 20% equity, rest in cash. I am hesitant to go up to my target 70% equity now. What are peoples thoughts on moving up to 50% and having rest...
by rad doc
Tue Oct 17, 2017 9:13 am
Forum: Investing - Help with Personal Investments
Topic: Windfall and advice
Replies: 52
Views: 6100

Re: Windfall and advice

Thank you.

Would anyone care to weigh in on putting the whole thing in the market now versus spreading it out/DCA? Lots of talk about "full valuation" etc. However, target retirement is quite a bit away for me.
by rad doc
Thu Oct 12, 2017 11:16 am
Forum: Investing - Help with Personal Investments
Topic: Windfall and advice
Replies: 52
Views: 6100

Re: Windfall and advice

To update, I spoke with Steve Evanson of Evanson Asset. Very nice, smart guy. $625 per quarter. I still will talk to a few other low fee advisors and decide to go alone or pick an advisor. I am sure I could manage it but the low cost provides some peace of mind that in the event something happens to...
by rad doc
Mon Oct 09, 2017 4:34 pm
Forum: Investing - Help with Personal Investments
Topic: Windfall and advice
Replies: 52
Views: 6100

Re: Windfall and advice

several radio personalities have a checklist of questions to ask advisors. ric edelman, Clark howard, Dave Ramsey, etc. you can find the checklist on their websites or in their books. who is proposing fees of 0.1%? I do not think that will be financial advice, only investment management. Thanks. Th...
by rad doc
Mon Oct 09, 2017 2:30 pm
Forum: Investing - Help with Personal Investments
Topic: Windfall and advice
Replies: 52
Views: 6100

Re: Windfall and advice

If I do interview a few advisors, what questions would you guys suggest. Obviously have to be low cost, flat fee passive manager. No commission. ?AA, TLH and other tax management. Frequency of consultation? Other fees? Recommend funds? Frequency of rebalancing?
by rad doc
Mon Oct 09, 2017 11:47 am
Forum: Investing - Help with Personal Investments
Topic: Windfall and advice
Replies: 52
Views: 6100

Re: Windfall and advice

I agree with a lot of the points here. I am just wondering if for my sanity low fee advisors may be worth it. It’s painful to see your portfolio drop 50k in a day. 500k in a day or a few would be very stressful. You do not have time to rebalance once or twice a year, but have time to watch daily fl...
by rad doc
Mon Oct 09, 2017 11:43 am
Forum: Investing - Help with Personal Investments
Topic: Windfall and advice
Replies: 52
Views: 6100

Re: Windfall and advice

If i did continue diy, why not keep current allocation? 40% Total, 25% international, 10% small caps, 10% reit, 15% bond The allocation is completely up to you, based on your comfort level. No need to change, but you've suggested that you feel your bond allocation is low, and then expressed worry a...
by rad doc
Mon Oct 09, 2017 11:36 am
Forum: Investing - Help with Personal Investments
Topic: Windfall and advice
Replies: 52
Views: 6100

Re: Windfall and advice

ruralavalon wrote:
Mon Oct 09, 2017 11:26 am
Your IRAs are with what fund company?

What funds are offered in your 401k? Please give fund names, tickers and expense ratios.
Roth IRA are both Vanguard Total Market. 401k is with Fidelity and taxable is Vanguard.
by rad doc
Mon Oct 09, 2017 11:01 am
Forum: Investing - Help with Personal Investments
Topic: Windfall and advice
Replies: 52
Views: 6100

Re: Windfall and advice

If i did continue diy, why not keep current allocation? 40% Total, 25% international, 10% small caps, 10% reit, 15% bond The allocation is completely up to you, based on your comfort level. No need to change, but you've suggested that you feel your bond allocation is low, and then expressed worry a...
by rad doc
Mon Oct 09, 2017 10:57 am
Forum: Investing - Help with Personal Investments
Topic: Windfall and advice
Replies: 52
Views: 6100

Re: Windfall and advice

I agree with a lot of the points here. I am just wondering if for my sanity low fee advisors may be worth it. It’s painful to see your portfolio drop 50k in a day. 500k in a day or a few would be very stressful. You do not have time to rebalance once or twice a year, but have time to watch daily fl...
by rad doc
Mon Oct 09, 2017 10:14 am
Forum: Investing - Help with Personal Investments
Topic: Windfall and advice
Replies: 52
Views: 6100

Re: Windfall and advice

If i did continue diy, why not keep current allocation? 40% Total, 25% international, 10% small caps, 10% reit, 15% bond
by rad doc
Mon Oct 09, 2017 10:01 am
Forum: Investing - Help with Personal Investments
Topic: Windfall and advice
Replies: 52
Views: 6100

Re: Windfall and advice

I agree with a lot of the points here. I am just wondering if for my sanity low fee advisors may be worth it. It’s painful to see your portfolio drop 50k in a day. 500k in a day or a few would be very stressful. You think an advisor is going to protect your portfolio from volatility? No, obviously ...
by rad doc
Mon Oct 09, 2017 8:37 am
Forum: Investing - Help with Personal Investments
Topic: Windfall and advice
Replies: 52
Views: 6100

Re: Windfall and advice

Rebalancing takes 15 minutes a year. Do you really not have 15 minutes a year? You rebalance only once a year? I agree with a lot of the points here. I am just wondering if for my sanity low fee advisors may be worth it. It’s painful to see your portfolio drop 50k in a day. 500k in a day or a few w...
by rad doc
Sun Oct 08, 2017 9:30 pm
Forum: Investing - Help with Personal Investments
Topic: Windfall and advice
Replies: 52
Views: 6100

Re: Windfall and advice

If the only thing you're worried about is rebalancing, why not just go with Vanguard LifeStrategy? LifeStrategy Growth is basically an 80-20 stock-bond fund with international included, auto-rebalances, and has an expense of 0.15% (which is FAR less than you'd pay for a comparable adviser to do the...
by rad doc
Sun Oct 08, 2017 9:21 pm
Forum: Investing - Help with Personal Investments
Topic: Windfall and advice
Replies: 52
Views: 6100

Re: Windfall and advice

Debt: 400k mortgage at 3.5%, 100k student loans at 2% Why not pay off all your debts first? Then put 70% of what is left in Vanguard Total Stock Index Fund and 30% in the Intermediate Term Tax Exempt Bond fund (is that aggressive enough)? Simple to rebalance (takes 5 minutes tops including the time...
by rad doc
Sun Oct 08, 2017 9:08 pm
Forum: Investing - Help with Personal Investments
Topic: Windfall and advice
Replies: 52
Views: 6100

Re: Windfall and advice

Vanguard PAS ? Also read the Wiki: "Managing a Windfall". Also: Tell nobody. Thanks, have read the wiki several times! Have thought about PAS but it is 0.3% which given size of portofolio is about as much or more than eam and cardiff just like betterment. For that amount, would one of the low fee p...
by rad doc
Sun Oct 08, 2017 8:51 pm
Forum: Investing - Help with Personal Investments
Topic: Windfall and advice
Replies: 52
Views: 6100

Re: Windfall and advice

I would definintely do 100% in tax managed balanced for taxable. Yes, it is conservative. So what, the market has had a huge run, and with your salary you dont have to take risk with this money. 50/50 - calculate it out - it will be plenty by the time you hit retirement if it returns historical num...
by rad doc
Sun Oct 08, 2017 8:19 pm
Forum: Investing - Help with Personal Investments
Topic: Windfall and advice
Replies: 52
Views: 6100

Re: Windfall and advice

John Laurens wrote:
Sun Oct 08, 2017 8:07 pm
If you don’t want to do any rebalancing, I would do 100% tax managed balanced in taxable and 100% life strategy growth in tax advantaged.

Regards,
John
Thanks, that seems a bit conservative with near 50% in bonds.
by rad doc
Sun Oct 08, 2017 7:35 pm
Forum: Investing - Help with Personal Investments
Topic: Windfall and advice
Replies: 52
Views: 6100

Re: Windfall and advice

I would use Betterment. Set your stock/bond allocations and let them handle the rebalancing, TLH, and if you use their coordinated portfolios, asset location. Will consider them but the fees would be almost the same or perhaps even a bit more since they are a flat 0.25% regardless of account size. ...
by rad doc
Sun Oct 08, 2017 6:51 pm
Forum: Investing - Help with Personal Investments
Topic: Windfall and advice
Replies: 52
Views: 6100

Re: Windfall and advice

Gill wrote:
Sun Oct 08, 2017 6:50 pm
Are you saying your are receiving a seven-figure windfall in addition to the potential for a similar sized inheritance?
Gill
Correct, low digit 7 figures like 2-3 each.
by rad doc
Sun Oct 08, 2017 6:47 pm
Forum: Investing - Help with Personal Investments
Topic: Windfall and advice
Replies: 52
Views: 6100

Windfall and advice

Hello all, I would love some advice from anyone who has time. Portfolio is below. However, it will grow significantly do to a 7 figure windfall. I am strongly considering going with a low fixed fee passive advisor such as EAM or Cardiff. Reasons being, job requires significant time and I am afraid I...
by rad doc
Sat Jun 18, 2016 6:13 pm
Forum: Personal Consumer Issues
Topic: Any Porsche 911 owners here?
Replies: 142
Views: 18730

Re: Any Porsche 911 owners here?

Well, the Model X is slower to 60 than all but the base Carrera so no it would not "blow the doors off of a 911". The Model S Ludicrous is a different story but even than would get killed in real performance testing not just a drag race. The performance of the two vehicles is really incomparable. I...
by rad doc
Sat Jun 18, 2016 8:35 am
Forum: Personal Consumer Issues
Topic: Any Porsche 911 owners here?
Replies: 142
Views: 18730

Re: Any Porsche 911 owners here?

Well, the Model X is slower to 60 than all but the base Carrera so no it would not "blow the doors off of a 911". The Model S Ludicrous is a different story but even than would get killed in real performance testing not just a drag race. The performance of the two vehicles is really incomparable. In...
by rad doc
Sat Jun 18, 2016 7:36 am
Forum: Personal Consumer Issues
Topic: Any Porsche 911 owners here?
Replies: 142
Views: 18730

Re: Any Porsche 911 owners here?

I am a MAJOR car guy and have wanted a 911 since I was a kid, as have many. I cant tell you how much time I have spent on rennlist reading, researching, drooling. So, here is a scenario for you guys. I am probably what you would categorize as high income, low net worth!! Sounds negative, but I am un...
by rad doc
Tue Apr 28, 2015 11:08 am
Forum: Investing - Help with Personal Investments
Topic: Take Two. New complicated member needs help in several areas
Replies: 37
Views: 3389

Re: Take Two. New complicated member needs help in several a

Roth 401k is definitely a mistake. Should do traditional. I think you are too aggressive. Would drop to no more than 63% stocks (age in bonds). You are not financially experienced to handle a large decline in a larger portfolio. Can you provide a more detailed response regarding 401k? I am in a sim...
by rad doc
Tue Apr 28, 2015 9:38 am
Forum: Investing - Help with Personal Investments
Topic: Take Two. New complicated member needs help in several areas
Replies: 37
Views: 3389

Re: Take Two. New complicated member needs help in several a

Roth 401k is definitely a mistake. Should do traditional. I think you are too aggressive. Would drop to no more than 63% stocks (age in bonds). You are not financially experienced to handle a large decline in a larger portfolio. Can you provide a more detailed response regarding 401k? I am in a sim...
by rad doc
Tue Apr 28, 2015 8:29 am
Forum: Investing - Help with Personal Investments
Topic: Take Two. New complicated member needs help in several areas
Replies: 37
Views: 3389

Re: Take Two. New complicated member needs help in several a

Roth 401k is definitely a mistake. Should do traditional. I think you are too aggressive. Would drop to no more than 63% stocks (age in bonds). You are not financially experienced to handle a large decline in a larger portfolio. Can you provide a more detailed response regarding 401k? I am in a sim...
by rad doc
Fri Dec 26, 2014 9:51 pm
Forum: Investing - Help with Personal Investments
Topic: Tax-Loss Harvest question
Replies: 13
Views: 1317

Re: Tax-Loss Harvest question

Ha, I meant average cost not DCA. Worked all xmas so mind is a little jumbled!
by rad doc
Fri Dec 26, 2014 6:20 pm
Forum: Investing - Help with Personal Investments
Topic: Tax-Loss Harvest question
Replies: 13
Views: 1317

Re: Tax-Loss Harvest question

Ok, one other question and it may be basic but I am still learning the taxable investment process. When I sell, I should sell all 32k worth of shares. Correct? I have not selected an accounting method with Vanguard but it should not matter if its DCA or other if I am selling all of it. Am I understa...
by rad doc
Fri Dec 26, 2014 11:51 am
Forum: Investing - Help with Personal Investments
Topic: Tax-Loss Harvest question
Replies: 13
Views: 1317

Re: Tax-Loss Harvest question

Lafder, I have not calculated savings yet. I do not have any additional holdings currently in my taxable acct. However, if I funded a different asset allocation at my current savings rate it would only take a few months to rebalance again. livesoft, thanks. My guess would be the higher tax rate for ...
by rad doc
Fri Dec 26, 2014 11:28 am
Forum: Investing - Help with Personal Investments
Topic: Tax-Loss Harvest question
Replies: 13
Views: 1317

Re: Tax-Loss Harvest question

So your suggestion per the chart is to buy VEU and VFSVX in 90/10 for 30 days? Also, does it matter that is short term loss? No sure I am clear the differences b/w tax loss harvesting short vs long term losses.

Again thanks a ton.
by rad doc
Fri Dec 26, 2014 11:15 am
Forum: Investing - Help with Personal Investments
Topic: Tax-Loss Harvest question
Replies: 13
Views: 1317

Re: Tax-Loss Harvest question

I am light on bond but I wouldnt be moving $2100 but the full 32k. That is all my taxable and about 12% of total investments so it would be a shift in allocation to put that much in bonds. livesoft, thanks for the suggestion. Will look at each of those. Do you guys think it would be wise to tax loss...
by rad doc
Fri Dec 26, 2014 10:50 am
Forum: Investing - Help with Personal Investments
Topic: Tax-Loss Harvest question
Replies: 13
Views: 1317

Tax-Loss Harvest question

Hello everyone. I need some help and suggestions. I have read as much as possible about tax-loss harvesting and in general I think my strategy is to avoid it. However, I am starting to think it might be a good idea this year. I just started a taxable acct in last 6 months and have about 32k in VTIAX...
by rad doc
Sat Feb 15, 2014 9:05 pm
Forum: Investing - Help with Personal Investments
Topic: Asset protection strategy
Replies: 50
Views: 5648

Re: Asset protection strategy

Exactly, get professional advice and make up your own mind. Nothing is 100% . Research and come to your own conclusions. That is what I did and it is a very small price to pay for an added an additional layer of protection. We are talking a very tiny fraction of other insurance expenses most pay fo...
by rad doc
Sat Feb 15, 2014 8:15 pm
Forum: Investing - Help with Personal Investments
Topic: Asset protection strategy
Replies: 50
Views: 5648

Re: Asset protection strategy

Jay Adkisson argues that you are 99% safe if you never even buy umbrella insurance or excess insurance or set up LLCs, so you are dealing with an arcane rare-event region when you go for higher asset protection, so if you want to go there then you need a good asset protection lawyer that is detaile...
by rad doc
Sat Feb 15, 2014 8:09 pm
Forum: Investing - Help with Personal Investments
Topic: Asset protection strategy
Replies: 50
Views: 5648

Re: Asset protection strategy

Jay Adkisson argues that you are 99% safe if you never even buy umbrella insurance or excess insurance or set up LLCs, so you are dealing with an arcane rare-event region when you go for higher asset protection, so if you want to go there then you need a good asset protection lawyer that is detaile...
by rad doc
Sat Feb 15, 2014 12:19 pm
Forum: Investing - Help with Personal Investments
Topic: Asset protection strategy
Replies: 50
Views: 5648

Re: Asset protection strategy

Jay Adkisson argues that you are 99% safe if you never even buy umbrella insurance or excess insurance or set up LLCs, so you are dealing with an arcane rare-event region when you go for higher asset protection, so if you want to go there then you need a good asset protection lawyer that is detaile...
by rad doc
Fri Feb 14, 2014 10:09 pm
Forum: Investing - Help with Personal Investments
Topic: Asset protection strategy
Replies: 50
Views: 5648

Re: Asset protection strategy

See good asset protection attorney, never know what can happen. Laws vary by state. In Texas, I formed an LP. I would add that contrary to EmergDoc's statement (though his site is great!), you can protect taxable accounts and it is not that really that complicated other that filing taxes for LP. Som...
by rad doc
Sat Feb 08, 2014 9:07 pm
Forum: Personal Finance (Not Investing)
Topic: Tax reporting IRA rollover no 1099-R
Replies: 12
Views: 3164

Re: Tax reporting IRA rollover no 1099-R

My mistake. Looks like it actually did transfer 1/2/2014. But they say they will issue one for the next tax year. I am a bit confused on the Roth backdoor. If I fully fund mine and my spouses traditional IRA now for 2013, and then do the rollover it counts as the 2014? So do I fund now, then again i...
by rad doc
Sat Feb 08, 2014 2:57 pm
Forum: Personal Finance (Not Investing)
Topic: Tax reporting IRA rollover no 1099-R
Replies: 12
Views: 3164

Re: Tax reporting IRA rollover no 1099-R

I will call Vanguard and ask why I did not receive it. I looked into my online documents and there is nothing there either. Re: HSA and Backdoor IRA. Yes, I was referring to both funding and the immediate rollover this year, for the 2013 tax year. Thanks for the tip on reporting without the forms, f...
by rad doc
Sat Feb 08, 2014 2:13 pm
Forum: Personal Finance (Not Investing)
Topic: Tax reporting IRA rollover no 1099-R
Replies: 12
Views: 3164

Tax reporting IRA rollover no 1099-R

I did a rollover from a pretax traditional IRA to a pretax 401k account. No tax implications but do I need to report it and if so where? I did not receive a 1099-R. It was a direct transfer from Vanguard to Fidelity, I never touched the monies. Also, when you fund HSA and do the back door Roth for t...
by rad doc
Fri Dec 06, 2013 9:30 pm
Forum: Investing - Help with Personal Investments
Topic: IRA reverse rollover
Replies: 3
Views: 1413

Re: IRA reverse rollover

Great, thank you very much. Her is account is indeed small, actually around 10k as in your example so we will just pay the taxes. There is no basis on her IRA. My account is pretty small too but no reason to pay more taxes I suppose since I can use the 401k to roll into. Then we should be good to go...
by rad doc
Fri Dec 06, 2013 8:34 pm
Forum: Investing - Help with Personal Investments
Topic: IRA reverse rollover
Replies: 3
Views: 1413

IRA reverse rollover

This may be a stupid question but I could not find the answer. I would like to rollover my traditional IRA into my pretax 401k account so I can backdoor fund a roth IRA without owing takes on my existing traditional IRA. The reverse rollover doesn't count towards annual contribution does it? I am ma...
by rad doc
Mon Dec 19, 2011 10:10 pm
Forum: Investing - Help with Personal Investments
Topic: Roth 401k error
Replies: 9
Views: 1069

Re: Roth 401k error

Looks like I am getting a big tax bill! If payroll corrects it and the custodian corrects the type of account you want it in, the tax bill will be the same as if it had been done correctly. Maybe you're thinking the tax withholding wasn't enough. You can fix that through payroll if you are still ge...