Search found 24 matches

by nickeld
Wed Sep 14, 2016 11:17 am
Forum: Personal Investments
Topic: Short Term Cash Investment
Replies: 15
Views: 1757

Re: Short Term Cash Investment

What are some good options for storing a large chunk of short term cash (will be needed within 1 year)? Right now it is an Ally checking account which on a relative basis versus CD's and such earns a pretty decent yield. Any suggestions would be greatly appreciated Not sure if you meant "savin...
by nickeld
Tue Sep 13, 2016 11:23 am
Forum: Personal Investments
Topic: Short Term Cash Investment
Replies: 15
Views: 1757

Re: Short Term Cash Investment

Toons wrote:Others might disagree,
As there is risk of principal loss,but
I would feel comfortable with
Vanguard Short Term Investment Grade.
:happy
Thanks, I might think about a portion in short term bonds
by nickeld
Tue Sep 13, 2016 11:16 am
Forum: Personal Investments
Topic: Short Term Cash Investment
Replies: 15
Views: 1757

Re: Short Term Cash Investment

Thanks everyone, confirmed my hunch
by nickeld
Tue Sep 13, 2016 11:15 am
Forum: Personal Investments
Topic: Short Term Cash Investment
Replies: 15
Views: 1757

Re: Short Term Cash Investment

What are some good options for storing a large chunk of short term cash (will be needed within 1 year)? Right now it is an Ally checking account which on a relative basis versus CD's and such earns a pretty decent yield. Any suggestions would be greatly appreciated Not sure if you meant "savin...
by nickeld
Tue Sep 13, 2016 8:47 am
Forum: Personal Investments
Topic: Short Term Cash Investment
Replies: 15
Views: 1757

Short Term Cash Investment

What are some good options for storing a large chunk of short term cash (will be needed within 1 year)? Right now it is an Ally checking account which on a relative basis versus CD's and such earns a pretty decent yield. Any suggestions would be greatly appreciated
by nickeld
Fri Nov 27, 2015 7:02 pm
Forum: Personal Investments
Topic: Cost Basis
Replies: 10
Views: 1153

Re: Cost Basis

It might also help to look at the tax forms that are filed after taking a capital gain or capital loss in any given tax year. In the case of the Federal return take a look at Schedule D and Form 8949. Investors need to keep track of the cost of every purchase including dividend reinvestments. The d...
by nickeld
Fri Nov 27, 2015 6:57 pm
Forum: Personal Investments
Topic: Cost Basis
Replies: 10
Views: 1153

Re: Cost Basis

nickeld...........you are mixing up the concepts of cost basis and cost basis per share. Investments, dividend reinvestments, etc. increase the $$$ cost basis,a fundamental measure. Cost basis per share is a derived quantity = $$$ cost basis/# shares and has no particular meaning unless you are usi...
by nickeld
Fri Nov 27, 2015 6:52 pm
Forum: Personal Investments
Topic: Cost Basis
Replies: 10
Views: 1153

Re: Cost Basis

Cost basis is very simple: It is what you paid to buy shares. It really has nothing to do with dividends. Forget about the dividends. How much did you pay to buy the shares? Dividends are just another way of getting cash (aka money aka $$ aka dollars) to buy shares. Dividends do not reduce cost bas...
by nickeld
Thu Nov 26, 2015 6:48 pm
Forum: Personal Investments
Topic: Cost Basis
Replies: 10
Views: 1153

Cost Basis

In a taxable account if you take dividends in cash from company XYZ and invest into an existing holding in company ABC, does that affect your cost basis in ABC? I've been reading in various places that if you were to reinvest the cash dividends into XYZ (the dividend issuing company) , that your cos...
by nickeld
Thu Mar 12, 2015 9:48 pm
Forum: Personal Investments
Topic: Ideas/Strategies to Invest in Taxable Account
Replies: 27
Views: 4142

Re: Ideas/Strategies to Invest in Taxable Account

What are your monthly expenses? If you're able to save a sizable portion of your income and continue investing into dividends stocks you should be able to live off of the dividends far sooner than 20-30+ years out, especially if you already have 200K in such stocks. In my opinion I would continue in...
by nickeld
Wed Mar 04, 2015 12:24 pm
Forum: Personal Investments
Topic: VEXMX versus VGRAX
Replies: 7
Views: 1147

Re: VEXMX versus VGRAX

Thanks everyone for the input @jhfenton - I've held this fund since about 2003 so I missed out on most of the outperformance it seems from 1996-2000. I'm in the process of going back over my statements to calculate my personal return & time weighted return. I'm not considering purchasing more in...
by nickeld
Tue Mar 03, 2015 1:12 pm
Forum: Personal Investments
Topic: VEXMX versus VGRAX
Replies: 7
Views: 1147

VEXMX versus VGRAX

Is it just me or has this front loaded mutual fund from Invesco (VGRAX) significantly outperformed over the last 20 years Vanguard's comparable mid-cap index fund VEXMX ? Looking at the past 10 years is much closer, but I was very surprised when looking at the 20 year timeframe. I'm just looking at ...
by nickeld
Wed Feb 18, 2015 1:16 pm
Forum: Personal Investments
Topic: Rebalance w/ contribution calculation
Replies: 10
Views: 1324

Re: Rebalance w/ contribution calculation

Yes, I did note that in the original post. This basically just turned into a math problem that I wanted to solve, but it could be useful in theory if I wanted to see what it would take to bring everything mathematically back in line. But you're right in practice it's not going to be applicable as I'...
by nickeld
Wed Feb 18, 2015 12:44 pm
Forum: Personal Investments
Topic: Rebalance w/ contribution calculation
Replies: 10
Views: 1324

Re: Rebalance w/ contribution calculation

Thanks everyone, one_smiley your logic makes sense. I was attempting to do something similar, but wasn't quite getting it to work out properly
by nickeld
Tue Feb 17, 2015 5:38 pm
Forum: Personal Investments
Topic: Rebalance w/ contribution calculation
Replies: 10
Views: 1324

Re: Rebalance w/ contribution calculation

It's almost seems like it needs to be an iterative approach of some sort. If I apply something like this (below) I can actually calculate the new total (the first pass). B5 is the current total, B2 is the account actual $, D2 is the target %, and F2 is the over/under $ based on the difference betwee...
by nickeld
Tue Feb 17, 2015 5:20 pm
Forum: Personal Investments
Topic: Rebalance w/ contribution calculation
Replies: 10
Views: 1324

Re: Rebalance w/ contribution calculation

Sure logically that makes sense if it only requires <=100 to fix the allocation and you're contributing 100. What if I don't know what my contribution should be, I want to find out what dollar amount I need to contribute in order to fix the allocation. So in essence the new total is unknown at this ...
by nickeld
Mon Feb 16, 2015 11:33 pm
Forum: Personal Investments
Topic: Rebalance w/ contribution calculation
Replies: 10
Views: 1324

Rebalance w/ contribution calculation

Maybe it's too late in the night or this requires more than simple math, but I can't figure out how to calculate the dollar amount needed to correct my allocation via contributions (not rebalancing internally by selling or moving existing funds). I can easily calculate that for example some fund is ...
by nickeld
Sat Jan 24, 2015 12:18 pm
Forum: Personal Investments
Topic: Target Portfolio Discount Double Check
Replies: 5
Views: 1149

Re: Target Portfolio Discount Double Check

Thanks, that's what I figured. Nothing too crazy going on with this portfolio
by nickeld
Sat Jan 24, 2015 12:22 am
Forum: Personal Investments
Topic: Target Portfolio Discount Double Check
Replies: 5
Views: 1149

Re: Target Portfolio Discount Double Check

Yeah I think I will increase my international allocation to 30% of stocks (24% of total). I'm going to instead now go with a total international fund to pick up the emerging market ~18% allocation within that total international fund. The assets will end up as such: Desired Asset allocation: 80% sto...
by nickeld
Fri Jan 23, 2015 7:51 pm
Forum: Investing - Theory, News & General
Topic: Expense Ratio & Sales Load Impact Over Time
Replies: 4
Views: 882

Re: Expense Ratio & Sales Load Impact Over Time

Thanks for the help, I've updated the spreadsheet accordingly
by nickeld
Tue Jan 20, 2015 10:35 am
Forum: Personal Investments
Topic: Target Portfolio Discount Double Check
Replies: 5
Views: 1149

Re: Target Portfolio Discount Double Check

Thank you for taking a look. Perhaps I will end up with some emerging market investments afterall
by nickeld
Mon Jan 19, 2015 5:15 pm
Forum: Personal Investments
Topic: Target Portfolio Discount Double Check
Replies: 5
Views: 1149

Target Portfolio Discount Double Check

Hi, I was wondering if someone could double check my target portfolio at which I will arrive once I transfer my Roth Ira to Vanguard. I want to make sure my allocations look reasonable based on my targets outlined below. I decided to only go with developed markets for my international exposure inste...
by nickeld
Sat Jan 17, 2015 6:50 pm
Forum: Investing - Theory, News & General
Topic: Expense Ratio & Sales Load Impact Over Time
Replies: 4
Views: 882

Re: Expense Ratio & Sales Load Impact Over Time

Great thank you! Could you explain in a little more detail how you arrived at $10,044.48 for the first month ?
by nickeld
Sat Jan 17, 2015 2:54 pm
Forum: Investing - Theory, News & General
Topic: Expense Ratio & Sales Load Impact Over Time
Replies: 4
Views: 882

Expense Ratio & Sales Load Impact Over Time

I was wondering if someone could double check my spreadsheet calculation, or provide any feedback on it? I'm attempting to forecast the impact of the ER and front end sales load fees on regular monthly investments over the course of 120 months. I'm in the ballpark when comparing my calculations agai...