Bogleheads.org

Copernicus

Ferdinand2014 wrote: ↑
Fri May 22, 2020 6:34 pm
It seems you are good. Especially if your wife can continue to provide health insurance until Medicare kicks in.

That's the critical factor.

Copernicus

I say this because the leadership of the S&P 500 changes every decade. If you positioned your portfolio based on buying stocks of the biggest and most successful companies in 2000, you would’ve missed Amazon, Facebook, Apple, and Google. You would’ve had Microsoft, which is an exception for its lon...

Copernicus

I have 60/40 AA with index funds and "pre-Bogleheads" individual stocks with taxable gains. When the markets move, I notice the movements because I know my index funds are moving in sync. On the other hand, I am kind of oblivious to the individual stock positions! Disney is down, HON is down, both h...

Copernicus

I realized (harvested) losses back in 2008-2009 that were multiples of your projected loss. I still have not used up those losses completely and continue to harvest losses when they show up. The result has been that I have not had to pay any capital gains taxes for more than a decade despite sellin...

Copernicus

I would like to read all their new posts. I missed that one in my post above, although I did leave it as an exercise to the reader. So how to you definite new posts? How about last 7 days. So bookmark, in your browser, Taylor's posts in the last 7 days https://www.bogleheads.org/forum/search.php?au...

Copernicus

Prominent members like Taylor, nisiprius, Rick Ferri.............I would like to read all their new posts. Is there a way to subscribe to the user's posts so I get maybe a daily list or something like that?
Thanks.
C

Copernicus

I rarely say something is a must-read or a must-listen , but I'm making an exception with this podcast. Jeff Levine CPA/PFS, CFP is my guest for this special Rick Ferri Hi Rick, This interview is a wonderful help to individual investors. It is a "must listen"! I appreciate your interviewing style i...

Copernicus

Clemblack wrote: ↑
Thu Mar 19, 2020 12:08 pm
I'm down about 30%.

Sorry to read that. Trying to understand - Was your AA 100% stocks?

Copernicus

Yess!!Please.

Copernicus

Thank you!

Copernicus

No personal experience, but I wouldn’t compare it to a Solo 401k. It provides for auto deductions from a bank account to a Roth IRA for a management fee of slightly less than 1% (including the fund fees). It is invested in State Street funds. It’s not available to those whose income is too high to ...

Copernicus

Has any self-employed forum member in California signed up for this program?
Please share your experience, how it compares to solo 401k, etc.
Thanks.
c

Copernicus

https://www.mymoneyblog.com/wordpress/wp-content/uploads/2017/11/us_intl_cycle-720x268.gif Not sure I need to know anything more than that. I invest in International at 10% of total portfolio, about 15% of stock allocation. The cycles of outperformance last a few years. If someone is uncomfortable ...

Copernicus

Notes/Questions: 1. My mother currently owns her house and will have future pension income of $57k. She currently spends around $47k annually, so her pension covers her regular ongoing expenses . She wants to be able use her investable assets for car purchases, major house repairs, and healthcare, ...

Copernicus

malabargold wrote: ↑
Wed Feb 20, 2019 6:54 pm
Generation-skipping trust is what we set up

Currently, couples could exempt $22.4 million in estate.
Is it true that Generation-skipping trust are needed only by people with net worth above the current estate exemptions ( high net worth individuals ), for example, more than 22.4 million?

Copernicus

I now have a 60/40 portfolio. When rebalancing during last 2 years, I moved money from stocks allocation to fixed income. I elected to not buy bonds. I left new money in money market, with yield partially protect against inflation. So, my allocation now is 60/20/20 stocks/bonds/cash. I feel this sho...

Copernicus

All sounds good, but moving 5 points isn't a big change. Absolutely correct, but it was equal to 4 years of college tuition (my youngest is a senior in high school), so it wasn't nothing... :) If you are thinking about long term performance, 5% changes in allocation does not make big enough differe...

Copernicus

^
livesoft, Good point! Thanks!

Copernicus

^
nisiprius, Yes! Thanks!

Copernicus

...How does one get access to the legacy M* charting tool now?... http://quotes.morningstar.com/chart/fund/chart?t=VSMGX after replacing "VSMGX" with the desired ticker symbol. If you make a typo or type a symbol Morningstar doesn't have data for, you'll get back to the current Morningstar site, i....

Copernicus

Thanks to all who participated in this thread. I used a legacy M* growth-of chart dates 01/27/2018 to 11/16/2019. Legacy M* charts have a problem at both end points, so one-day changes make a difference. I love , but can only get the new one. How does one get access to the legacy M* charting tool n...

Copernicus

Interesting approach. I don't see much risk in this if the projections are made fairly accurately. - Is this not similar to the "bucket" approach? One could put the money for own retirement in a very conservative portfolio enough to fight inflation and have little bit of growth (maybe) - like 10/90 ...

Copernicus

My suggestion is that you use Vanguard Portfolio Allocation Models to help you decide the allocation you can live with if the stock market takes a dive tomorrow--then invest NOW in that allocation. Best wishes. Taylor Jack Bogle's Words of Wisdom: "The beauty of owning the market is that you elimin...

Copernicus

For a young person with Math and quantitative aptitude, I would strongly advise looking into ACTUARY career. Go to https://www.soa.org/ and check out education tracks
https://pathways.soa.org/
This is a highly competitive field w highly paid career tracks. Explore!!

- C

Copernicus

For each month since 1993, I subtracted the returns of the diversified portfolio from the returns of the S&P 500 assuming an initial $100 investment (so the index value starts at 100) then plotted the cumulative return. https://i.imgur.com/s7tJyp1.png?1 When the index is above 100, the diversified ...

Copernicus

They are all very similar. If I were looking into this, I would just pick the in-house one that does not cost a trading fee. After buying it, don't watch the investment too much; just "Stay the Course"!

Copernicus

Where do you get your TLH opportunities, and does TLH benefit count for any significant return in your portfolio? I have not found sufficient TLF opportunities to the the concept very seriously. The market has been in a general up trend, most Bogleheads invest for the long term, hold only a few asse...

Copernicus

In Morningstar, If I start with a growth chart of VFINX and compare a stock with it, does the chart include reinvested dividends of the stock in it's growth numbers? Does anyone know?

Copernicus

Go to morningstar.com and enter the symbol for your stock. It will give you the total return (includes reinvested dividends) for various time periods. You can look up the symbol for the S&P 500 index fund and observe total returns for the same periods, and make the comparison you desire. Morningsta...

Copernicus

I have some individual stocks bought in the pre-Bogleheads days. I need to compare the total return on each against S&P 500 total return. In Morningstar, If I start with a growth chart of VFINX and compare a stock with it, does the chart include reinvested dividends of the stock in it's growth numbe...

Copernicus

I am also looking into QDI to select ETFs to hold for many years. I suppose that QDI of a fund can change due to events during a calendar year. However, does a QDI of a fund or ETF change significantly and trend higher/lower over several years? (If it does, then this strategy may not be a great one...

Copernicus

I am also looking into QDI to select ETFs to hold for many years. I suppose that QDI of a fund can change due to events during a calendar year. However, does a QDI of a fund or ETF change significantly and trend higher/lower over several years? (If it does, then this strategy may not be a great one?)

Copernicus

flyingaway wrote: ↑
Wed May 16, 2018 7:10 pm
Because otherwise you would have worked too long.

+1 !!

Copernicus

If you want an accurate HR monitor, look for a chest-strap and avoid the wrist monitors. At this point, anything from Suunto, Garmin and Polar will function as well as any normal person needs them to. I was going to make the same point. Wrist based are ok, but you have to go chest strap if you want...

Copernicus

Plan A: - Reduce risk level of overall portfolio, Wider rebalancing bands to just control risk level, not grow principal by buying low/selling high Not sure what this means, not rebalancing as often would seem to increase risk. - Moderate future growth of IRAs and RMD by concentrating taxable bonds...

Copernicus

I think plan A is reasonable. A couple other considerations that may or may not be relevant to your situation. 1. Set up contingent beneficiaries for the bigger IRA. (This supposes that there are children to whom one would want to bequeath all or part of an IRA.) Leave instructions for surviving sp...

Copernicus

Retirement strategy up here for comments: Background: - Both spouses older than 60 yrs. - One, older spouse retired, second spouse would enjoy working for another 4 years. Both have IRAs. - The bigger IRA RMD 4 yrs away, smaller IRA RMD 10 years away. - Sufficient funds in bigger IRA to pay for annu...

Copernicus

If one was to calculate using your and Morningstar methods, the numbers will be different. However, the rank order should remain the same. Am I correct? I don't think you are correct. So much depends on one's personal taxes and morningstar makes a big assumption about that which does not apply to t...

Copernicus

I'm still waiting for Morningstar to explain how their tax cost ratios for VTSAX and VTI can both be simultaneously correct considering that the two share classes have identical stakes in the underlying fund. In the meantime, I use my own calcuations . Thank you, triceratop. Your calculations are u...

Copernicus

To decide tax efficient place for certain ETFs in my tax deferred and taxable accounts, I looked at their Tax Cost ratios on Morningstar. I found that international stock index ETFs are better than, but not too much better than BND. The rank order is consistent with the wiki, but I thought I will po...

Copernicus

Thank you, Wagnerjb!

Copernicus

I checked my 2016 and earlier returns prepared by an accountant. In all those years, he had listed carryover FTC numbers at the end of the Fed return printout he gave me, but there was no entry on line 10, Form 1116 and AMT 1116. Why he did not use CO, which I think might have given me a bigger ref...

Copernicus

I checked my 2016 and earlier returns prepared by an accountant. In all those years, he had listed carryover FTC numbers at the end of the Fed return printout he gave me, but there was no entry on line 10, Form 1116 and AMT 1116. Why he did not use CO, which I think might have given me a bigger refu...

Copernicus

I don't fully understand your questions, but: You might have had a "regular tax" carryover statement and an "AMT" carryover statement. Or you may have a carryover statement that shows what credits are available for this year, and another carryover statement showing what credits are available for ne...

Copernicus

First year using TurboTax. Until now, the tax accountant has two pages of Foreign Tax Carryover Statement. Pages 1 and 2 have the same title, but numbers are different, page 2 numbers are higher. He says he had used Simplified Method for foreign tax credit. I paid AMT each year. My foreign tax paid ...

Copernicus

I attended the virtual meeting, my first one on 3/13, and found it really useful! THANKS to the organizers and presenter!

Copernicus

Wonderful! Thanks to both replies!

Copernicus

Form 1116 (regular) shows lower foreign tax credit than AMT Form 1116. Why does TurboTax use the smaller amount on 1040 line 48?

Copernicus

Last year, my accountant filled out regular Form 1116 and also AMT Form 1116 for foreign tax of $1526 paid on foreign income of $ 11293. Since he filled both regular and AMT 1116 forms, I suppose that he did not use the "simplified method". I called the accountant 2-3 times, but he is not responding...

Copernicus

I would like to join virtual discussions. I just emailed a request to the email address given. Do I need to do more?

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