Search found 36 matches

by jatwell
Sun Aug 16, 2020 7:57 am
Forum: Personal Investments
Topic: Choosing an SCV ETF
Replies: 10
Views: 859

Re: Choosing an SCV ETF

In the past SLYV has been less efficient in taxable accounts due to large distributions. I chose to sick with IJS in taxable even with higher expense ratio, but now that VIOV is same cost, would go with it. https://www.bogleheads.org/forum/viewtopic.php?t=191842 Supposedly that's fixed per the threa...
by jatwell
Thu Aug 06, 2020 4:53 am
Forum: Investing - Theory, News & General
Topic: My learning path: Shift From Ray Dalio AW to Harry Browne PP
Replies: 25
Views: 2263

Re: My learning path: Shift From Ray Dalio AW to Harry Browne PP

Check out the PP forum http://www.gyroscopicinvesting.com/forum/ I see the PP as a great defensive portfolio once you've won, but maybe not good for accumulators. You'll find most adopters of this portfolio use it for a percentage overall of the money they can't lose and then have a variable portfol...
by jatwell
Wed Jul 08, 2020 6:24 am
Forum: Personal Investments
Topic: Am I oversaving?
Replies: 39
Views: 4376

Re: Am I oversaving?

If your inherited IRA balance is ~$200k and RMD is $13k, I would say it would likely be depleted well before age 67. 4% is usually quoted as a safe withdrawal rate, that would be $8k/yr. I definitely wouldn't count on ~$17k/yr from it in retirement. I would model the RMD increase vs different expect...
by jatwell
Sun Apr 12, 2020 7:23 am
Forum: Personal Investments
Topic: Portfolio Review Request - Permanent Portfolio
Replies: 23
Views: 1545

Re: Portfolio Review Request - Permanent Portfolio

Both the size & value split was 50/50 in the 60/40 version. 50% US LB, SV and Int LV/SB. Basically half large and small, half value and blend with 70% overall US. In the 70/30 version I looked at doing 10% EM vs adding 10% MCV. Really could done 5% of both, but stuck to 10% min overall rule. Didn't ...
by jatwell
Fri Apr 10, 2020 9:09 pm
Forum: Personal Investments
Topic: Portfolio Review Request - Permanent Portfolio
Replies: 23
Views: 1545

Re: Portfolio Review Request - Permanent Portfolio

Here's something to consider and it's what I plan on transitioning too once I've "won the game" - the 60(stock)/40(not stock) variety: 20% US SCV (VBR/VIOV) 20% US LCB (SP500) 10% Int LV (EFV/IVLU) 10% Int SB/SV (VSS/AVDV) 10% Cash/STT (iBonds for me) 15% LTT (TLT/VGLT) 15% Gold (AAAU) Right now, I ...
by jatwell
Sun Mar 15, 2020 5:32 pm
Forum: Personal Finance (Not Investing)
Topic: Experience w/LenderFi's Rate Insurance Program???
Replies: 13
Views: 1737

Re: Experience w/LenderFi's Rate Insurance Program???

Seems more like a way to guarantee you keep the mortgage 6 months.
by jatwell
Sat Mar 14, 2020 3:34 pm
Forum: Personal Investments
Topic: Yet another TLH Question w/ wash sale
Replies: 9
Views: 355

Re: Yet another TLH Question w/ wash sale

Thanks for the great replies! It seems I will never be able to deduct ~$234 of the $5k losses to offset future cap gains or $3k/yr of ordinary income.

Not too costly a lesson thankfully!
by jatwell
Sat Mar 14, 2020 12:33 pm
Forum: Personal Investments
Topic: Yet another TLH Question w/ wash sale
Replies: 9
Views: 355

Re: Yet another TLH Question w/ wash sale

Thanks, since both these accounts are at Fidelity they should catch this, correct? I understand it's still on me to report this correctly on taxes.

RZV is SP600 Pure Value (148 stocks)
VIOV is SP600 Value (440 stocks)
by jatwell
Sat Mar 14, 2020 11:30 am
Forum: Personal Investments
Topic: Yet another TLH Question w/ wash sale
Replies: 9
Views: 355

Yet another TLH Question w/ wash sale

I just opened a taxable account the middle of last year, so have never attempted to TLH before. I've done a couple of TLH transactions recently and it seemed pretty straightforward since I do not reinvest dividends and hadn't purchased anything in the past 30 days outside my 401k (no like funds ther...
by jatwell
Sat Feb 22, 2020 7:52 am
Forum: Personal Finance (Not Investing)
Topic: Refinance 3.25% 7/1 ARM now into 2.875% 15 year fixed?
Replies: 8
Views: 1014

Re: Refinance 7/1 ARM now if rate = 30 year fixed?

Since you're paying it down with extra payments, why not a 15yr @ 2.75%?
by jatwell
Mon Jan 20, 2020 9:06 am
Forum: Investing - Theory, News & General
Topic: Where does the money go when the S&P goes down?
Replies: 53
Views: 6803

Re: Where does the money go when the S&P goes down?

Another good way to think about it... The price of a stock is just the price of the very last share sold, not the price that all other outstanding shares that have ever been sold. It is the price people are willing to buy shares, constantly changing AND basically that's applied to all outstanding sh...
by jatwell
Thu Jan 16, 2020 10:22 pm
Forum: Investing - Theory, News & General
Topic: IJJ vs. IVOV - Mid Cap Value
Replies: 5
Views: 520

Re: IJJ vs. IVOV - Mid Cap Value

Another fund to consider in the past was MDYV since it was the cheapest, but looks like Vanguard's recent price reduction brought IVOV in line.
by jatwell
Thu Jan 16, 2020 10:09 pm
Forum: Personal Investments
Topic: Approaching Roth IRA Income Limit; When/How to Transition to Backdoor?
Replies: 31
Views: 1896

Re: Approaching Roth IRA Income Limit; When/How to Transition to Backdoor?

Got it FiveK but I don't really agree with the wiki link since there are some gotchas due to ordering. If you have immediately converted all non deductible trad IRA contributions to Roth and NEVER had any Roth conversions that included earnings or taxable contributions, you are 100% right. You can w...
by jatwell
Thu Jan 16, 2020 4:55 pm
Forum: Personal Investments
Topic: Approaching Roth IRA Income Limit; When/How to Transition to Backdoor?
Replies: 31
Views: 1896

Re: Approaching Roth IRA Income Limit; When/How to Transition to Backdoor?

1. There is a small downside if you need to withdraw contributions without penalty before agree 59.5 (assuming you've already had a Roth acct > 5 years). You will not be able to withdraw contribution amounts from the conversion penalty free until 5 years after the conversion. See here for more deta...
by jatwell
Thu Jan 16, 2020 6:40 am
Forum: Personal Investments
Topic: Receiving inheritance: is a backdoor Roth advisable?
Replies: 23
Views: 2282

Re: Receiving inheritance: is a backdoor Roth advisable?

Will any of the $600k be in an inherited IRA?

If the answer is yes, this might open up more possibilities for you.
by jatwell
Thu Jan 16, 2020 6:29 am
Forum: Personal Investments
Topic: Approaching Roth IRA Income Limit; When/How to Transition to Backdoor?
Replies: 31
Views: 1896

Re: Approaching Roth IRA Income Limit; When/How to Transition to Backdoor?

1. There is a small downside if you need to withdraw contributions without penalty before agree 59.5 (assuming you've already had a Roth acct > 5 years). You will not be able to withdraw contribution amounts from the conversion penalty free until 5 years after the conversion. See here for more detai...
by jatwell
Sat Oct 12, 2019 7:37 am
Forum: Personal Investments
Topic: Can't do this alone-need a financial planner-please help!
Replies: 50
Views: 11508

Re: Can't do this alone-need a financial planner-please help!

BTW if you liquidate taxable holdings and hit minimum $100k to buy FZDXX, 100% with doing it before purchasing VTI/VXUS. Your position in FZDXX can drop well below (I only maintain ~$5k in it) yet you'll always be able to transfer new money to it. I don't see a need to move taxable to another broker...
by jatwell
Sat Oct 12, 2019 7:31 am
Forum: Personal Investments
Topic: Can't do this alone-need a financial planner-please help!
Replies: 50
Views: 11508

Re: Can't do this alone-need a financial planner-please help!

The hard part seems to be complete! As others have said, just put your bonds in non-taxable only. Treat all accounts together as 100% of your portfolio, no need to maintain percentages in each account. Do you know the cost basis for all securities in taxable? What is the total loss and total gain? L...
by jatwell
Tue Aug 20, 2019 9:25 am
Forum: Investing - Theory, News & General
Topic: Savings Bonds - how to keep track of them
Replies: 20
Views: 2484

Re: Savings Bonds - how to keep track of them

I use a combo of Google Sheets (no personal data, chart of bond values, published to web) and Excel locally on my computer (with actual amounts of personal bonds and other investments) and it works really well. From this post, I got the function for google sheets. I setup a tab w/ all the different ...
by jatwell
Sun Aug 04, 2019 9:46 pm
Forum: Personal Investments
Topic: What to do with AA in IRA & Roth if taxable gets really big?
Replies: 6
Views: 586

Re: What to do with AA in IRA & Roth if taxable gets really big?

Yes, total expense including taxes is the bottom number, tax efficiency is how well they work in a taxable account. https://www.bogleheads.org/wiki/Exchange-traded_fund It's not too bad, buy during market hours (some say ~2PM) and put in a buy limit order between the bid and ask. This gap shouldn't ...
by jatwell
Sun Aug 04, 2019 9:18 pm
Forum: Personal Investments
Topic: All Weather Replication
Replies: 8
Views: 1310

Re: All Weather Replication

I don't hold an all weather portfolio, but have some similar asset classes. There are options that fit.

TLT - You could go with Vanguard VGLT/VLGSX
IEI - Vanguard VGIT/VSIGX
GLD - I would check out AAAU personally, backed by Australian Gov't, redeemable for physical and low 0.18 expense ratio
by jatwell
Sun Aug 04, 2019 9:08 pm
Forum: Personal Investments
Topic: What to do with AA in IRA & Roth if taxable gets really big?
Replies: 6
Views: 586

Re: What to do with AA in IRA & Roth if taxable gets really big?

You can check out this thread to see how tax efficient various funds are: https://www.bogleheads.org/forum/viewtopic.php?t=242137 You can adjust your tax bracket. For Total International, the iShares IXUS seems to be best from an overall cost perspective for taxable of the ones on the sheet. This sh...
by jatwell
Sat Aug 03, 2019 7:02 am
Forum: Investing - Theory, News & General
Topic: Simple vs Complex Index Portfolio
Replies: 26
Views: 3138

Re: Simple vs Complex Index Portfolio

Check out: https://portfoliocharts.com/ Specifically the Portfolio Matrix chart. A lot of good info there and a way to quantify potential benefits of tilting to factors, etc with a lot of sample portfolios including the tried & true 60/40. Sometimes return is not the only thing to look at, there are...
by jatwell
Sat Jun 01, 2019 8:01 am
Forum: Personal Consumer Issues
Topic: inexpensive outdoor security camera
Replies: 19
Views: 2223

Re: inexpensive outdoor security camera

https://electronics.woot.com/offers/blink-xt-camera-system-or-add-on-camera Try Blink XT as someone mentioned above. $70 for camera with sync module (just need one sync module for up to 10 cameras) and $60 for add'l. They have 2 year battery life with two lithium AA and no wires. App is pretty good ...
by jatwell
Sun Oct 14, 2018 7:11 am
Forum: Personal Finance (Not Investing)
Topic: Fidelity "FidSafe" Free online storage of documents - is this safe?
Replies: 49
Views: 11216

Re: Fidelity "FidSafe" Free online storage of documents - is this safe?

Also remember flash drives have a limited life span. Up to ten years for a high quality one, but not forever.
by jatwell
Sat Mar 31, 2018 7:11 am
Forum: Personal Finance (Not Investing)
Topic: Can I refi and still get a lower rate right now? UPDATE: Bonus HELOC??
Replies: 31
Views: 3053

Re: Can I refi and still get a lower rate right now?

Why not do a heloc and aggressively pay it back. Keep your current MTG and rate and don't overpay.
by jatwell
Sat Mar 17, 2018 7:18 am
Forum: Personal Finance (Not Investing)
Topic: Doing a Backdoor Roth Early in the Tax Year
Replies: 9
Views: 1481

Re: Doing a Backdoor Roth Early in the Tax Year

There is a difference in contributions and conversions when doing withdrawals.

If you don't plan on taking out the money until after 5 years and 59.5 it won't make much difference though.

https://www.kitces.com/blog/understandi ... nversions/
by jatwell
Sat May 14, 2016 5:41 am
Forum: Personal Finance (Not Investing)
Topic: Roth Conversions, I-Bonds, and 2210
Replies: 5
Views: 1057

Re: Roth Conversions, I-Bonds, and 2210

Just file an extension with a $5k overpayment before tax deadline. That way you don't have to overpay throughout the year and you can fully do your taxes and know exactly what you owe. As mentioned, wait a few weeks before officially filling after the extension. There's a section here halfway down c...
by jatwell
Sun Jan 20, 2013 8:18 pm
Forum: Personal Consumer Issues
Topic: Home voip options
Replies: 34
Views: 3684

Re: Home voip options

I've been very happy w/ VOIPO. They usually have a 2 year special and are backed by a very popular web hosting company HostGator. It's $149 for 2 years + $36 for taxes = $185 for 2 years. There is no monthly tax charge as you pay it all up front. Basically it's just like Vonage for MUCH cheaper. No ...
by jatwell
Fri Dec 28, 2012 12:16 am
Forum: Personal Investments
Topic: Reminder: 5 Year Rule on Roth Conversions
Replies: 30
Views: 3040

Re: Reminder: 5 Year Rule on Roth Conversions

I don't know... I've had a tIRA account (and Roth as well) for the past 4-5 years with Fidelity. Every other year I do a non-deductible tIRA contribution followed by an immediate conversion to my Roth IRA after it settles (4-5 days, back-door Roth). During the conversion, their system asks if you wa...
by jatwell
Tue Oct 09, 2012 9:35 pm
Forum: Investing - Theory, News & General
Topic: Can you still get paper I-Bond tax refund for 2012?
Replies: 8
Views: 1270

Re: Can you still get paper I-Bond tax refund for 2012?

I really like TFB's idea of filing an extension and overpaying by $5000 (or if you're getting a refund, however much to make $5000 total). You can even file an extension well before 4/15 and a week or two later file you taxes. I plan on doing this in 2012. http://thefinancebuff.com/backdoor-to-paper...