Search found 58036 matches

by livesoft
Sun Jan 21, 2018 8:36 pm
Forum: Investing - Theory, News & General
Topic: Automated Tax Loss Harvesting by Robo Advisor - Anyone with real results?
Replies: 27
Views: 1686

Re: Automated Tax Loss Harvesting by Robo Advisor - Anyone with real results?

No, each roboadvisor allocation has their own tilts. This is an old article but reviews many different robos and their tilts http://www.etf.com/sections/blog/22982-inside-robo-advisor-asset-allocation.html?nopaging=1 . There's also my own old Google Sheets post that lists out a bunch of Robos and t...
by livesoft
Sun Jan 21, 2018 8:34 pm
Forum: Investing - Help with Personal Investments
Topic: A 4-5% rebalance to bonds barely budges risk/return
Replies: 34
Views: 1900

Re: A 4-5% rebalance to bonds barely budges risk/return

Asset allocation explains about 90% of portfolio variability. That seems like "much" to me. That's an idea from a misquote of the study that people tend to be aware of. I think the misrepresentation has taken on a life of its own. Variability in a portfolio is just how much it goes up and down and ...
by livesoft
Sun Jan 21, 2018 6:26 pm
Forum: Investing - Help with Personal Investments
Topic: VNQ ETF -- Taxable? How is it any different than other ETFs?
Replies: 2
Views: 237

Re: VNQ ETF -- Taxable? How is it any different than other ETFs?

Since you have VNQ in taxable, you have more information than any of us about its taxing properties. Can you please tell us what the 1099-DIV for VNQ has for every number? You can use the 2016 1099-DIV if you do not have the 1099-DIV for 2017. In contrast, I have 1099-DIV from my VLCAX (large-cap in...
by livesoft
Sun Jan 21, 2018 4:53 pm
Forum: Investing - Theory, News & General
Topic: VCLT: slight performance difference in fund vs ETF?
Replies: 9
Views: 327

Re: VCLT: slight performance difference in fund vs ETF?

(3)...ETF dividends are reinvested with a market-on-open order a few days later. In my experience, you don't get good pricing on those. Hmm, I didn't know that. As far as I am aware, this is only at Vanguard Brokerage Services and not for Fidelity, TDAmeritrade, et al. I would believe that performa...
by livesoft
Sun Jan 21, 2018 4:34 pm
Forum: Investing - Theory, News & General
Topic: Automated Tax Loss Harvesting by Robo Advisor - Anyone with real results?
Replies: 27
Views: 1686

Re: Automated Tax Loss Harvesting by Robo Advisor - Anyone with real results?

Is it fair to write that practically all the Robos are using small-cap and value- tilted portfolios and models for their clients? So when small-cap value does poorly as it did in 2017, then all the Robos should trail the performance of a 3-fund total market weighted portfolio unless the Robos do som...
by livesoft
Sun Jan 21, 2018 3:49 pm
Forum: Investing - Theory, News & General
Topic: Which brokerage for individual 401k?
Replies: 13
Views: 321

Re: Which brokerage for individual 401k?

This is the comparison link I used when I was looking into it: http://thecollegeinvestor.com/18174/comparing-the-most-popular-solo-401k-options/ Thanks. A quick read tells me they should put in the table at the end about no-commission ETFs which are mentioned in the text. The table leaves the impre...
by livesoft
Sun Jan 21, 2018 3:42 pm
Forum: Investing - Theory, News & General
Topic: Which brokerage for individual 401k?
Replies: 13
Views: 321

Re: Which brokerage for individual 401k?

ivk5 wrote:
Sun Jan 21, 2018 3:32 pm
One of the bloggers who posts here regularly (i think tfb) has a post with a good comparison. A quick search should dig it up.
WCI had an article from 2014 which is dated. It had question marks for TDAmeritrade which I think is one of the better options nowadays.
by livesoft
Sun Jan 21, 2018 3:02 pm
Forum: Investing - Theory, News & General
Topic: Which brokerage for individual 401k?
Replies: 13
Views: 321

Re: Which brokerage for individual 401k?

I have an individual 401(k) at TDAmeritrade. I have a zero-balance Roth 401(k) option and I checked the box "allow loans", too, but I have no idea how a loan would work and do not intend to ever create a 401(k) loan. I am quite happy with my individual 401(k) at TDAmeritrade. It's been easy and no i...
by livesoft
Sun Jan 21, 2018 2:59 pm
Forum: Investing - Help with Personal Investments
Topic: What is the best way to change current investments to tilt to SCV
Replies: 2
Views: 201

Re: What is the best way to change current investments to tilt to SCV

You could buy IJS in your taxable account, say with the $59,320 you mentioned, but maybe paying off debt is a better idea for the $59,320.
by livesoft
Sun Jan 21, 2018 2:44 pm
Forum: Personal Consumer Issues
Topic: what is the best mouse poison?
Replies: 25
Views: 877

Re: what is the best mouse poison?

The typical baits sold at Home Depot and Lowe's work fine. We just put chunks of TomCat green bait out in the attic where our dog can't get to it. We don't put the bait into "stations." When we smell a dead rat, I go looking for it and if I can find it, I just put it in the garbage. If I can't find ...
by livesoft
Sun Jan 21, 2018 10:26 am
Forum: Investing - Help with Personal Investments
Topic: Income in retirement questions
Replies: 12
Views: 1393

Re: Income in retirement questions

VPGDX that managed fund from Vanguard sounds like a real possibility, I never knew it existed. It might make things easier for me. With my work, I have the option to take a Lump Sum or a regular Pension. If I take the regular Pension, my Social Security and invest the remainder in VPGDX I think tha...
by livesoft
Sun Jan 21, 2018 10:16 am
Forum: Investing - Help with Personal Investments
Topic: A 4-5% rebalance to bonds barely budges risk/return
Replies: 34
Views: 1900

Re: A 4-5% rebalance to bonds barely budges risk/return

Admiral wrote:
Sun Jan 21, 2018 8:34 am
livesoft: to what end?
You will see that asset allocation does not matter that much.
by livesoft
Sun Jan 21, 2018 10:11 am
Forum: Investing - Theory, News & General
Topic: Portfolio Watch still sucks, international composition edition
Replies: 8
Views: 604

Re: Portfolio Watch still sucks, international composition edition

Morningstar X-Ray (Premium and Free) still has some problems where it sometimes only has data for domestic stocks and it always benchmarks to the S&P 500 even though few people's entire portfolio would be represented by this index. The benchmark problem is particularly galling as I am sure their In...
by livesoft
Sun Jan 21, 2018 8:28 am
Forum: Investing - Help with Personal Investments
Topic: A 4-5% rebalance to bonds barely budges risk/return
Replies: 34
Views: 1900

Re: A 4-5% rebalance to bonds barely budges risk/return

You might enjoy looking at the performances of the various Vanguard LifeStrategy funds for the past 3-, 5-, 10-years by using morningstar.com to compare them on the Performance tab.
by livesoft
Sun Jan 21, 2018 7:53 am
Forum: Local Chapters and Bogleheads Community
Topic: My daughter got her dream job [Proud Papa]
Replies: 37
Views: 2264

Re: My daughter got her dream job

Thanks for the report and congrats to both Daughter and Dad.

I am mentoring a MSW who works in Manhattan, too. Do you mind sending me a PM of your daughter's starting salary and benefits?
by livesoft
Sun Jan 21, 2018 7:10 am
Forum: Investing - Theory, News & General
Topic: Portfolio Watch still sucks, international composition edition
Replies: 8
Views: 604

Re: Portfolio Watch still sucks, international composition edition

And to help folks who land on this thread, there are quite a few other tools that do what Vang Port Watch purports to do:
viewtopic.php?t=150267
by livesoft
Sun Jan 21, 2018 4:40 am
Forum: Investing - Theory, News & General
Topic: Rebalancing Bands-Someone please explain??
Replies: 4
Views: 425

Re: Rebalancing Bands-Someone please explain??

Is the explanation in the bogleheads wiki sufficient? How about the links in the wiki?

https://www.bogleheads.org/wiki/Rebalancing
by livesoft
Sun Jan 21, 2018 4:00 am
Forum: Investing - Help with Personal Investments
Topic: VYMI/VIGI in Taxable or Roth - is the foreign tax credit worth it?
Replies: 5
Views: 413

Re: VYMI/VIGI in Taxable or Roth - is the foreign tax credit worth it?

^And if one is accumulating shares of VWO and DGS, I imagine both will give one plenty of tax-loss harvesting opportunities which are not part of the tax-efficiency calculations in that thread.
by livesoft
Sun Jan 21, 2018 3:32 am
Forum: Investing - Theory, News & General
Topic: Automated Tax Loss Harvesting by Robo Advisor - Anyone with real results?
Replies: 27
Views: 1686

Re: Automated Tax Loss Harvesting by Robo Advisor - Anyone with real results?

The $3K is net (capital losses - capital gains), so it can be worth more to you, and you can also carry it forward [in unlimited amounts and use it to offset realized capital gains in any amount, and use that to offset ordinary income each year] at $3K a year. [...] When I read that statement, it l...
by livesoft
Sun Jan 21, 2018 3:16 am
Forum: Investing - Help with Personal Investments
Topic: Sell Home Depot?
Replies: 46
Views: 3132

Re: Sell Home Depot?

1.9% of your portfolio? HD is also 0.8% of Total US Stock Market Index, so it's not like all the rest of us don't have a significant slug of it. I don't see any point of owning the individual stock except to give you a good feeling in social media forums or when you drive by a full HD parking lot. I...
by livesoft
Sun Jan 21, 2018 3:01 am
Forum: Investing - Help with Personal Investments
Topic: Pull back on retirement saving to increase savings for kids' college?
Replies: 19
Views: 1053

Re: Pull back on retirement saving to increase savings for kids' college?

This is a first world problem. You have investable assets of 7-figures now and as you wrote 18-20 years away from spending money on college. If your portfolio isn't going up by more than $400K a year in 20 years, then something really bad happened along the way. Basically, it doesn't matter what you...
by livesoft
Sat Jan 20, 2018 10:40 pm
Forum: Investing - Help with Personal Investments
Topic: Simplify My Portfolio!
Replies: 5
Views: 644

Re: Simplify My Portfolio!

So I would work out a combination of the stable value fund and the Target Retirement Income fund to get all your fixed income allocation into the 401(k) for starters. That would be just 2 funds in the 401(k). The Roths appear to be small enough that they would hold one fund each. Maybe a Total US in...
by livesoft
Sat Jan 20, 2018 9:48 pm
Forum: Investing - Theory, News & General
Topic: Post Your Morningstar Box Style
Replies: 68
Views: 2720

Re: Post Your Morningstar Box Style

SCV_Lawyer wrote:
Sat Jan 20, 2018 11:22 am
I take some comfort in that I am very close to the styles of livesoft!
The correlation coefficient between our two 9-box style grids is 0.9684.
by livesoft
Sat Jan 20, 2018 9:11 pm
Forum: Investing - Help with Personal Investments
Topic: ROTH IRA Provider
Replies: 3
Views: 294

Re: ROTH IRA Provider

Fidelity, Schwab, and TDAmeritrade are the only places I would recommend if you require face-to-face. But every time you do face-to-face you will be asked to stray onto a path that costs you money and is not really in your best interest. That's just the way face-to-face works. Can you say, "No!" whe...
by livesoft
Sat Jan 20, 2018 9:00 pm
Forum: Investing - Help with Personal Investments
Topic: Simplify My Portfolio!
Replies: 5
Views: 644

Re: Simplify My Portfolio!

What is the current yield of the Stable Value fund? If decent, that would be the fixed income (aka bond) allocation. Otherwise, the idea to use Target Retirement Income Trust (what fraction of that fund is in bond funds) is an excellent idea. Your muni bond funds probably have losses, so that you ca...
by livesoft
Sat Jan 20, 2018 7:04 pm
Forum: Personal Finance (Not Investing)
Topic: Discussing a 529 with your kids
Replies: 48
Views: 2451

Re: Discussing a 529 with your kids

529 assets are not the only money available, so I don't think my kids paid any attention to any dollar amounts. They certainly didn't pay attention to the free $12,000 from Federal government tax credits.
by livesoft
Sat Jan 20, 2018 6:45 pm
Forum: Personal Finance (Not Investing)
Topic: Discussing a 529 with your kids
Replies: 48
Views: 2451

Re: Discussing a 529 with your kids

Our kids had checking account and debit cards since about age 13 or 14. We paid their allowances by money transfer. They know about money. When FAFSA time rolled around, we filled it out together, so my oldest knew about our entire financial situation. I'm a big believer in not hiding anything and t...
by livesoft
Sat Jan 20, 2018 6:36 pm
Forum: Personal Finance (Not Investing)
Topic: Form 1099-R IRA/SEP/SIMPLE box affecting refund
Replies: 52
Views: 1772

Re: Form 1099-R IRA/SEP/SIMPLE box affecting refund

But somewhere in the process you are telling the software that this is a conversion, correct? Just did our 2017 taxes using as only source/proof of income a Vanguard 1099-R and Code for Box 7 = 07. HR Block 2017 Deluxe did not ask me if we did a conversion when moving funds from a T-IRA to a Roth I...
by livesoft
Sat Jan 20, 2018 5:02 pm
Forum: Investing - Theory, News & General
Topic: Case study Broker trade executions
Replies: 212
Views: 21748

Re: Case study Broker trade executions

@alec, I agree. I often see my orders displayed which can be bad because it means my limit order is probably mis-priced and everybody else knows it. :twisted:
by livesoft
Sat Jan 20, 2018 5:00 pm
Forum: Personal Finance (Not Investing)
Topic: Shortchange your match -- true for all employers?
Replies: 18
Views: 1402

Re: Shortchange your match -- true for all employers?

I have had one employer that offered a year-end true-up. Two other employers only matched per pay period. To front-load a 401k with the employers that did not offer a true-up provision I would calculate the minimum base contribution per pay period that would get me the match. Anything above that wa...
by livesoft
Sat Jan 20, 2018 4:49 pm
Forum: Investing - Theory, News & General
Topic: Post Your Morningstar Box Style
Replies: 68
Views: 2720

Re: Post Your Morningstar Box Style

I am coming to the conclusion that mostly slice-and-dicers know about the Morningstar style grid and folks who have Total Market weights don't care about the Morningstar style grid.
by livesoft
Sat Jan 20, 2018 4:27 pm
Forum: Investing - Theory, News & General
Topic: Fellow TDA bogleheads [TDA dropping Vanguard ETFs from commission-free list]
Replies: 516
Views: 51944

Re: Fellow TDA bogleheads [TDA dropping Vanguard ETFs from commission-free list]

I understand what you are doing and why you are doing it.

But in the end since share prices fluctuate, the only thing that matters with dividend reinvestment to me is the number of shares I get since that's what I will be selling in the future.
by livesoft
Sat Jan 20, 2018 4:11 pm
Forum: Investing - Theory, News & General
Topic: Fellow TDA bogleheads [TDA dropping Vanguard ETFs from commission-free list]
Replies: 516
Views: 51944

Re: Fellow TDA bogleheads [TDA dropping Vanguard ETFs from commission-free list]

It is OK that you believe that there is no rounding error, but that doesn't mean you are not missing 0.00034 shares that you should not be missing.

Perhaps 2, 3, 4, or a dozen more people can confirm what I am writing.
by livesoft
Sat Jan 20, 2018 4:09 pm
Forum: Personal Finance (Not Investing)
Topic: Shortchange your match -- true for all employers?
Replies: 18
Views: 1402

Re: Shortchange your match -- true for all employers?

Not true for all employers. In particular, there is the so-called "true up" used by many employers to fix this situation. My spouse's employer does NOT have a true up and one has to be particularly diligent to get the full company match including on contributions from two bonuses that appear in Dece...
by livesoft
Sat Jan 20, 2018 1:55 pm
Forum: Investing - Theory, News & General
Topic: Case study Broker trade executions
Replies: 212
Views: 21748

Re: Case study Broker trade executions

Here is another SPSB example from January 11: https://i.imgur.com/PGtGVQK.png There is one trade that really stands out. That is one reason for the screen capture. I had several orders to buy at the 30.42 that were getting no love. Then all of a sudden, they all executed. I surmise that somebody got...
by livesoft
Sat Jan 20, 2018 1:45 pm
Forum: Investing - Theory, News & General
Topic: Case study Broker trade executions
Replies: 212
Views: 21748

Re: Case study Broker trade executions

Were you looking at the order book at the time? That happens to me too and my guess is always that the volume wasn't sufficient to hit me given how low in the book I am. Yes. Here is a screen capture from about 20 to 25 minutes after entering orders: https://i.imgur.com/ysyCjzU.png The thing to not...
by livesoft
Sat Jan 20, 2018 11:09 am
Forum: Investing - Theory, News & General
Topic: Post Your Morningstar Box Style
Replies: 68
Views: 2720

Re: Post Your Morningstar Box Style

One can use leading zeroes to keep things pseudo-monospaced

17 16 16
11 10 09
10 08 03
by livesoft
Sat Jan 20, 2018 9:32 am
Forum: Investing - Theory, News & General
Topic: Why can you only send dividends/capital gains from vanguard funds to your bank account at vanguard?
Replies: 8
Views: 784

Re: Why can you only send dividends/capital gains from vanguard funds to your bank account at vanguard?

Can you have the money market fund automatically put any money in it in your bank account? Or do you have to manually do it? That's a good question which I don't know the answer to. It would be funny though if any money in the money market fund was swept to your external checking account. So you tr...
by livesoft
Sat Jan 20, 2018 9:06 am
Forum: Investing - Theory, News & General
Topic: Case study Broker trade executions
Replies: 212
Views: 21748

Re: Case study Broker trade executions

There are dark pools, high frequency traders, order selling, and deals to let others see orders before they get listed on an exchange. But since you didn't say whether order was a buy or sell, I couldn't follow your numbers. For the past 2 days I never got fills on some limit orders to buy set at th...
by livesoft
Sat Jan 20, 2018 8:59 am
Forum: Investing - Help with Personal Investments
Topic: retirement portfolio advice for couple in early 50s
Replies: 12
Views: 1431

Re: retirement portfolio advice for couple in early 50s

We are doing Roth conversions in a similar situation, so I say do Roth conversions.
by livesoft
Sat Jan 20, 2018 8:41 am
Forum: Personal Finance (Not Investing)
Topic: Gifting to Divest Appreciated Shares
Replies: 3
Views: 197

Re: Gifting to Divest Appreciated Shares

Without filling out her 2018 tax return I don't think anyone can answer you. It reads like she can be claimed as your dependent, but I cannot tell. If so, the tax laws suggest that she will pay a high rate on any realized capital gains. If she is not your dependent nor can be claimed as your depende...
by livesoft
Fri Jan 19, 2018 9:14 pm
Forum: Investing - Help with Personal Investments
Topic: Best International Small Cap Option
Replies: 5
Views: 556

Re: Best International Small Cap Option

VSS of course. It still trades free if you get your rep to give you a free trade every time you will need it.
by livesoft
Fri Jan 19, 2018 6:42 pm
Forum: Investing - Help with Personal Investments
Topic: Inherited Stocks, Dividends, and Taxes
Replies: 10
Views: 479

Re: Inherited Stocks, Dividends, and Taxes

I'm not following the dividend versus ST cap gains thing. The paid dividends will be qualified dividends as long as the investment pays dividends eligible for qualified status. That is, your personal holding period has always been met. So the dividend will not be treated as a ST cap gains. Any share...
by livesoft
Fri Jan 19, 2018 5:01 pm
Forum: Investing - Help with Personal Investments
Topic: Which is faster - Push or Pull - Transfer of cash into investment accounts
Replies: 19
Views: 1304

Re: Which is faster - Push or Pull - Transfer of cash into investment accounts

Every pair of institutions is different, so you may have to do the experiment yourself. I know that one can transfer between a Wells Fargo checking account and a Wells Trade brokerage account (push or pull) in less than an hour. The last two times I did a transfer it took about 15 minutes.
by livesoft
Fri Jan 19, 2018 4:48 pm
Forum: Personal Consumer Issues
Topic: Do we need an emergency supplies kit (go bag)?
Replies: 46
Views: 3129

Re: Do we need an emergency supplies kit (go bag)?

We don't have a go bag, but we have "stay" kit. I think all our documents are a matter of public record, so could be replaced easily. When a hurricane is pending, we review and place the stay kit in the master bathroom. We also consider whether to create a go bag each time the stay kit is staged, bu...
by livesoft
Fri Jan 19, 2018 11:26 am
Forum: Investing - Help with Personal Investments
Topic: Vanguard Portfolio Watch Evaluation -- Help Needed.
Replies: 14
Views: 764

Re: Vanguard Portfolio Watch Evaluation -- Help Needed.

^Once again, Vanguard Port Watch completely ignores international funds and stocks when it reports on value tilts, so one will get zero info about such tilts for one's international holdings and those holdings will have no influence about the reported tilts of US holdings. This is stated right there...
by livesoft
Fri Jan 19, 2018 11:14 am
Forum: Investing - Help with Personal Investments
Topic: Inherited Stocks, Dividends, and Taxes
Replies: 10
Views: 479

Re: Inherited Stocks, Dividends, and Taxes

You are incorrect about the 60 days after thing. That is because it is the 60 days before or after the day the dividend occurred which means you already fulfilled that. The shares purchased with the dividends paid in the past 365 dyas are so-called short-term shares and one would pay cap gains tax a...
by livesoft
Fri Jan 19, 2018 11:05 am
Forum: Investing - Theory, News & General
Topic: Case study Broker trade executions
Replies: 212
Views: 21748

Re: Case study Broker trade executions

I was selling a small amount of a fairly high volume ETF (around $10,000) at Etrade today, and I had set a limit order for (say) 20.50 over an hour ago. That is amazing, but after you replaced without AON set, what happened? If one watches real-time trades, then the typical size is about 100 to 200...
by livesoft
Fri Jan 19, 2018 10:37 am
Forum: Investing - Help with Personal Investments
Topic: Vanguard Portfolio Watch Evaluation -- Help Needed.
Replies: 14
Views: 764

Re: Vanguard Portfolio Watch Evaluation -- Help Needed.

No, you should do nothing. If you do not like the alert then get rid of your Wellesley. :) Note that your international fund is not included in that value/blend/growth analysis as stated in the fine print. I will guess that your Total US stock fund is about 3 times the value of your Wellesley fund.