Search found 60599 matches

by livesoft
Tue Jun 19, 2018 10:53 am
Forum: Investing - Help with Personal Investments
Topic: Asset Location question – Mimicking Asset Allocation in 401k and taxable
Replies: 13
Views: 180

Re: Asset Location question – Mimicking Asset Allocation in 401k and taxable

Do you think it wasn't a problem for you mostly because you happen to early retire during the bull market. (I am assuming here as I don't know your exact timeline) I semi-retired in 2007 and saw my equities drop by about 50%. My taxable account was 100% equities and has been that way for at least a...
by livesoft
Tue Jun 19, 2018 10:43 am
Forum: Investing - Help with Personal Investments
Topic: Asset Location question – Mimicking Asset Allocation in 401k and taxable
Replies: 13
Views: 180

Re: Asset Location question – Mimicking Asset Allocation in 401k and taxable

ImmigrantSaver wrote:
Tue Jun 19, 2018 10:38 am
..., I might end up with significantly less money to live on. Is that a valid concern, or am I stuck in some mental accounting trap?
Not a valid concern in my opinion. I am was early retired. Now I am simply retired because I got old.
by livesoft
Tue Jun 19, 2018 10:40 am
Forum: Investing - Theory, News & General
Topic: Very confused with the current market
Replies: 89
Views: 7319

Re: Very confused with the current market

Drawbacks of market timing: 1) need to sell at right time, 2) need to buy at right time, ... These statements are commonly made about market timing, but they are completely bogus and don't really help in any discussion dissing market timing. To wit, market timing doesn't need to be perfect, so one ...
by livesoft
Tue Jun 19, 2018 10:33 am
Forum: Investing - Help with Personal Investments
Topic: Sanity check my 529 decision? High earners.
Replies: 1
Views: 148

Re: Sanity check my 529 decision? High earners.

Makes sense. Nothing to see here. Move along.
by livesoft
Tue Jun 19, 2018 10:23 am
Forum: Investing - Help with Personal Investments
Topic: Asset Location question – Mimicking Asset Allocation in 401k and taxable
Replies: 13
Views: 180

Re: Asset Location question – Mimicking Asset Allocation in 401k and taxable

I don't see any cons to having some international in any of your accounts nor in all of your accounts. I have international in taxable, Roth, and tax-deferred. I do all of my rebalancing in tax-deferred where there are no tax consequences. I do all of my tax-loss harvesting in taxable because it is ...
by livesoft
Tue Jun 19, 2018 9:25 am
Forum: Investing - Help with Personal Investments
Topic: Taxable Investment Help
Replies: 7
Views: 510

Re: Taxable Investment Help

Out of curiosity, is there any other funds I should be looking at or any other suggestions you may have? I have seen VGTSX mentioned for additional international exposure as well. If not, I will just split it in VTSAX and VBTLX as recommended above. VGTSX is Total International Stock Index fund. Th...
by livesoft
Tue Jun 19, 2018 8:03 am
Forum: Investing - Help with Personal Investments
Topic: Taxable Investment Help
Replies: 7
Views: 510

Re: Taxable Investment Help

VBINX is the balanced index fund of about 60% total US stock market index (like VTSAX) and 40% Total US bond index (like VBTLX)). If you buy it, then it will be just like buying VTSAX and VBTLX. So the risk is there and you are only fooling yourself into a mental accounting trick. Both VTSAX and VBT...
by livesoft
Tue Jun 19, 2018 7:54 am
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 6626
Views: 1430788

Re: Anyone buying today?

if today turns out to be an RBD, then Yes, I will buy today.

I have in my investment notes for April 2, 2018:
April 2:
Trade war drop in stocks! VTI is down 3%!
It looks like VTI (total stock market) is up about 7% since then.
by livesoft
Mon Jun 18, 2018 8:52 am
Forum: Investing - Theory, News & General
Topic: Ex-dividend days: Is there typically anything out of the ordinary?
Replies: 4
Views: 668

Re: Ex-dividend days: Is there typically anything out of the ordinary?

Typically? No. But sometimes the ex-dividend day coincides with something like the FOMC meeting press conference or other newsworthy announcement.
by livesoft
Mon Jun 18, 2018 6:49 am
Forum: Investing - Help with Personal Investments
Topic: STAR vs. 3-Fund Portfolio
Replies: 14
Views: 1326

Re: STAR vs. 3-Fund Portfolio

It is written everywhere that "Past performance ... yada yada yada." One doesn't know if future performance will be the same. Indeed, one can look further back in time to see what STAR did. And that goes for index funds as well. So one can judge performance, but to what future? Perhaps a visual idea...
by livesoft
Mon Jun 18, 2018 12:04 am
Forum: Personal Consumer Issues
Topic: how to make friends in new location?
Replies: 53
Views: 3811

Re: how to make friends in new location?

With a close friend you can share your secrets, be vulnerable, and make proverbial 2am calls. I have found that many people share vulnerable secrets with me because I may only be an acquaintance that they see often. For instance, cancer diagnosis, death of a spouse, debilitating health issues, past...
by livesoft
Sun Jun 17, 2018 11:49 pm
Forum: Personal Finance (Not Investing)
Topic: Why pay cash for a car?
Replies: 227
Views: 25933

Re: Why pay cash for a car?

I think that nowadays the dealer just doesn't care whether you pay cash or finance --- except that the finance person is another way to sow Fear, Uncertainty, and Doubt and try to up-sell you on other things. Funny thing on the last car I bought, I had a 0%-loan going for 100% of the purchase, but t...
by livesoft
Sun Jun 17, 2018 7:22 pm
Forum: Personal Consumer Issues
Topic: how to make friends in new location?
Replies: 53
Views: 3811

Re: how to make friends in new location?

I meet many people walking my dog. Great conversations of all kinds almost every single day.

My advice -- wait for it -- Get a dog!

Added: But if you get a dog, be a good citizen and clean up after it and don't let it pee on someone's grass unless they approve. ;)
by livesoft
Sun Jun 17, 2018 6:20 pm
Forum: Investing - Help with Personal Investments
Topic: Small Cap Fund.
Replies: 4
Views: 445

Re: Small Cap Fund.

The main logic is that you want more small caps than the amount of small caps that total market index gives you.
by livesoft
Sun Jun 17, 2018 5:53 pm
Forum: Investing - Help with Personal Investments
Topic: 100% of international developed to small/mid?
Replies: 11
Views: 1029

Re: 100% of international developed to small/mid?

BFRAME wrote:
Sun Jun 17, 2018 5:50 pm
Care to elaborate?
I did already elaborate. Please re-read what I posted.
by livesoft
Sun Jun 17, 2018 5:52 pm
Forum: Personal Finance (Not Investing)
Topic: How much (green) cash at home for emergency ?
Replies: 62
Views: 4549

Re: How much (green) cash at home for emergency ?

And I wouldn't be using a very local credit union either that got closed because of lack of employees and lack of functional buildings. I wouldn't care what kind of network the credit union belonged to.
by livesoft
Sun Jun 17, 2018 5:46 pm
Forum: Investing - Theory, News & General
Topic: What do you sell after the emergency fund?
Replies: 25
Views: 1464

Re: What do you sell after the emergency fund?

My spouse and I are both over age 59.5, so our tax-advantaged accounts are all essentially available in that if we lost jobs, then the 401(k)s are ready for rollover / withdrawals. I am pretty sure we would just maintain our asset allocation. We would sell whatever created the least taxes for us. We...
by livesoft
Sun Jun 17, 2018 5:40 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard Balanced Index Fund Admiral Shares (VBIAX)
Replies: 22
Views: 1855

Re: Vanguard Balanced Index Fund Admiral Shares (VBIAX)

It is for me because it would cause me to pay more taxes than I need to and reduce the amounts that I convert to Roth at low tax rates.

Added: We are in the 12% marginal income tax bracket.
by livesoft
Sun Jun 17, 2018 3:34 pm
Forum: Investing - Help with Personal Investments
Topic: STAR vs. 3-Fund Portfolio
Replies: 14
Views: 1326

Re: STAR vs. 3-Fund Portfolio

I use STAR as a benchmark. I don't use it in my portfolio because: 1. Taxes. It is not tax efficient. 2. I can do better tax-wise and performance-wise with my own choices of index funds and putting them in decent account-type locations. But if you have only tax-advantaged accounts, then you can try ...
by livesoft
Sun Jun 17, 2018 2:59 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard admiral shares
Replies: 17
Views: 1166

Re: Vanguard admiral shares

I would not mind if someone said my calculations were suspicious.
by livesoft
Sun Jun 17, 2018 2:58 pm
Forum: Investing - Theory, News & General
Topic: Very confused with the current market
Replies: 89
Views: 7319

Re: Very confused with the current market

capcase wrote:
Sun Jun 17, 2018 2:34 pm
What's going wrong?
You are asking us to explain psychopaths. I don't know how to do that.
by livesoft
Sun Jun 17, 2018 2:56 pm
Forum: Personal Finance (Not Investing)
Topic: How much (green) cash at home for emergency ?
Replies: 62
Views: 4549

Re: How much (green) cash at home for emergency ?

During the flooding from Harvey, I think the amount of bribes paid to get people rescued were actually very very low.
by livesoft
Sun Jun 17, 2018 2:54 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard admiral shares
Replies: 17
Views: 1166

Re: Vanguard admiral shares

neilpilot wrote:
Sun Jun 17, 2018 2:47 pm
Does it explain how my calculations are incorrect?
I never wrote that your calculations are incorrect.
by livesoft
Sun Jun 17, 2018 2:45 pm
Forum: Personal Finance (Not Investing)
Topic: How much (green) cash at home for emergency ?
Replies: 62
Views: 4549

Re: How much (green) cash at home for emergency ?

Zero dollars because otherwise you would be like during Katrina with you out of your home and your cash underwater or in a burning house which in either case is useless since you wouldn't be able to get to your cash. Consider what happened with the recent volcano in Guatemala or the economic collaps...
by livesoft
Sun Jun 17, 2018 2:35 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard admiral shares
Replies: 17
Views: 1166

Re: Vanguard admiral shares

I would have used the minimum amounts for Admiral minus the minimum amounts for Investor share class for each of the funds I owned. Then multiply that by the difference in expense ratios. So say the average difference in amounts are $7K and one has 5 funds and the difference is 0.15% That's $7K * 5 ...
by livesoft
Sun Jun 17, 2018 1:16 pm
Forum: Personal Consumer Issues
Topic: Which Supermarket are you?
Replies: 123
Views: 5463

Re: Which Supermarket are you?

The responses in this thread (when there are enough of them) should likely end up representing the market share of each of the supermarkets in the US.
by livesoft
Sun Jun 17, 2018 1:05 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard admiral shares
Replies: 17
Views: 1166

Re: Vanguard admiral shares

In 2015, when I was mostly Admiral class MFs, the difference for all of our Admiral class holdings amounted to $2k-2.5k/yr. While this difference was not overwhelming, I consider this a bit more than "a joke". Since then we've converted almost all of my MFs to ETFs. I think your calculations are su...
by livesoft
Sun Jun 17, 2018 1:00 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard Monthly Estimated Cap Gain Distributions
Replies: 3
Views: 482

Re: Vanguard Monthly Estimated Cap Gain Distributions

No, it is not. Perhaps a better estimate is the previous year's cap gain distribution.
by livesoft
Sun Jun 17, 2018 12:43 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard admiral shares
Replies: 17
Views: 1166

Re: Vanguard admiral shares

I understand that admiral shares require a minimum balance of $10k. Just so you won't be surprised: The minimum balance is not always $10K and will depend on the actual fund as also mentioned by @DSInvestor. And Vanguard lets clients go below the initial minimum balance for extended periods of time...
by livesoft
Sun Jun 17, 2018 12:15 pm
Forum: Investing - Help with Personal Investments
Topic: Getting Inheritance-Portfolio Advice Needed
Replies: 5
Views: 325

Re: Getting Inheritance-Portfolio Advice Needed

2. How do you feel about charities and making charitable donations?
by livesoft
Sun Jun 17, 2018 11:58 am
Forum: Investing - Help with Personal Investments
Topic: MD&P just purchased X / sold Y [md&pharmacist]
Replies: 184
Views: 11075

Re: MD&P just purchased X / sold Y [md&pharmacist]

^I would also suggest posting a benchmark return or performance for comparison. After all, if one gets 30%, but an index fund benchmark makes 40%, then that is not impressive.
by livesoft
Sun Jun 17, 2018 11:52 am
Forum: Investing - Help with Personal Investments
Topic: Getting Inheritance-Portfolio Advice Needed
Replies: 5
Views: 325

Re: Getting Inheritance-Portfolio Advice Needed

1. No. 50:50 is fine. 2. You portfolio doesn't need to be more aggressive at all and looks perfect to me. But if you want more aggressive, just reduce your bond percentage. It is unclear how your inherited assets will be distributed across taxable, tax-deferred, and Roth accounts. Your bonds in tax-...
by livesoft
Sun Jun 17, 2018 11:41 am
Forum: Investing - Help with Personal Investments
Topic: Feedback on possible portfolio update
Replies: 5
Views: 258

Re: Feedback on possible portfolio update

It is fine and well within other typical portfolios.

However, you need to know the Emerging Markets are NOT small-caps, but are LARGE-caps, so if you were thinking EM was a small-cap value tilt in international, then it is most certainly not.
by livesoft
Sun Jun 17, 2018 11:31 am
Forum: Investing - Help with Personal Investments
Topic: Schwab Independent Franchise
Replies: 25
Views: 1670

Re: Schwab Independent Franchise

Since you know all this, I don't see why you wouldn't talk the person and simply ask him to transfer the money into your account as a bonus for yourself. After all, everything is negotiable. I also understand that Schwab has given cash bonuses in the past for acquisition of assets, so you might as w...
by livesoft
Sun Jun 17, 2018 10:50 am
Forum: Investing - Theory, News & General
Topic: Cash question
Replies: 14
Views: 1234

Re: Cash question

this strategy does require having enough money in each account to be able to meet your liabilities. if you had say, 25,000 of stock in taxable and then the market declined 50% before you had to sell you would not be able to do it. As @jeffyscott basically noted, this is not a problem for folks who ...
by livesoft
Sun Jun 17, 2018 10:40 am
Forum: Investing - Help with Personal Investments
Topic: MD&P just purchased X / sold Y [md&pharmacist]
Replies: 184
Views: 11075

Re: MD&P just purchased X / sold Y

livesoft wrote:
Sun Jun 10, 2018 8:35 am
This is going to be a great thread, so thanks for the attempt.
Just dropping by and putting a personal place holder here as a note to myself that nothing has happened yet.

And it looks like the stirred up ants have gone back to their daily grind.
by livesoft
Sun Jun 17, 2018 10:05 am
Forum: Investing - Help with Personal Investments
Topic: When is the June ex-dividend date for VTSAX
Replies: 25
Views: 2083

Re: When is the June ex-dividend date for VTSAX

I look at it this way: It's not an actual tax cost, but rather an advance payment. The value of the dividend is added to your tax basis, so you don't pay again. I hate this "added to your tax basis" statement because it is so bogus. With Cost Basis Method of Specific Identification, the cost basis ...
by livesoft
Sun Jun 17, 2018 10:00 am
Forum: Personal Consumer Issues
Topic: Which Supermarket are you?
Replies: 123
Views: 5463

Re: Which Supermarket are you?

I do not believe the organic hype. I shop at Kroger's, Walmart, HEB, Trader Joe's and wherever. The key criteria is convenience, so which store is closest to me gets my business. I do not buy in bulk either because I buy so little and so fresh that bulk doesn't make any sense at all. For instance, I...
by livesoft
Sun Jun 17, 2018 9:55 am
Forum: Investing - Help with Personal Investments
Topic: Tax implications of holding Wellesley Emergency in taxable
Replies: 8
Views: 812

Re: Tax implications of holding Wellesley Emergency in taxable

You can do the calculations yourself. See the distributions page of Welleley and then multiply each 2017 number by your number of shares: https://investor.vanguard.com/mutual-funds/profile/distributions/vwinx Then put that on your tax return (Form 1040 Schedule B) and see effect. You can also see th...
by livesoft
Sun Jun 17, 2018 9:36 am
Forum: Investing - Help with Personal Investments
Topic: Beginner's first stock suggested purchase
Replies: 5
Views: 291

Re: Beginner's first stock suggested purchase

A decent stock is the ETF VTI. A decent commission or transaction fee is $0. There is no reason in 2018 to ever every pay a commission to buy an investment. Don't do that.

"opened up an account" What kind of account? Where was this opened? You may be on your way to getting ripped off. Or not.
by livesoft
Sun Jun 17, 2018 9:35 am
Forum: Investing - Help with Personal Investments
Topic: When is the June ex-dividend date for VTSAX
Replies: 25
Views: 2083

Re: When is the June ex-dividend date for VTSAX

Not intending to hijack the thread but in a related question, are there some Vanguard funds (possibly money market mutual funds and/or bond funds??) which don't go by an ex-dividend date but rather pay a (for example) monthly dividend pro-rated based on the number of days you actually owned the fun...
by livesoft
Sun Jun 17, 2018 9:23 am
Forum: Investing - Help with Personal Investments
Topic: Kid's Online Access for Kid's Brokerage Accounts
Replies: 9
Views: 741

Re: Kid's Online Access for Kid's Brokerage Accounts

My MIL opened UTMA accounts. The kids didn't care and were not interested in seeing anything. When they cashed them in, they figured out how to log in and sell. Then they had dad help them figure out the taxes.

So I personally don't think the kids need access because they just don't/won't care.
by livesoft
Sun Jun 17, 2018 7:15 am
Forum: Investing - Help with Personal Investments
Topic: M1 Finance: What’s the Catch?
Replies: 10
Views: 1425

Re: M1 Finance: What’s the Catch?

The catch has also been described in this thread: viewtopic.php?f=1&t=236951&p=3964367
by livesoft
Sun Jun 17, 2018 5:33 am
Forum: Investing - Help with Personal Investments
Topic: Can we afford to drop our 401k contributions to pay for college?
Replies: 17
Views: 1955

Re: Can we afford to drop our 401k contributions to pay for college?

Just looking at the thread title and not the issue of work stoppage: We had my spouse borrow from her 401(k) and used the money to contribute to a 529 plan. The 401(k) loan was a good deal and kept the 401(k) "space" available. I suppose that one could borrow from one spouse's 401(k) in order to con...
by livesoft
Sat Jun 16, 2018 8:13 pm
Forum: Investing - Help with Personal Investments
Topic: Cash Drag
Replies: 5
Views: 723

Re: Cash Drag

Well, if the market is at an all-time high, then I sell equities to buy things. Those equities have gone up so much to get to the all-time high that I just simply rejoice in the profits I am making by just sitting on my butt.

Were you thinking that you are not allowed to sell anything to get cash?
by livesoft
Sat Jun 16, 2018 5:27 pm
Forum: Investing - Help with Personal Investments
Topic: 100% of international developed to small/mid?
Replies: 11
Views: 1029

Re: 100% of international developed to small/mid?

I think your premise is false and your math looks fishy to me, too.

Anyways, you can see that in 2018 so far, that Vanguard US Large-cap is up about 5% while VTMGX is down about -0.5%. Those performances are NOT similar and one might say that at least this year, not too correlated.
by livesoft
Sat Jun 16, 2018 4:39 pm
Forum: Personal Consumer Issues
Topic: Standard buyer's remorse or poorly timed enlightenment?
Replies: 40
Views: 3394

Re: Standard buyer's remorse or poorly timed enlightenment?

I want to write that I was in a non-dissimilar situation: 1. Didn't buy first home until older than you. 2. Lived in an apartment, but not rent-free until then. Also lived across the Sound from CT, so expensive. 3. Had 2 kids born in our later 30's, so we were older than you. 4. Lower salaries than ...
by livesoft
Sat Jun 16, 2018 3:23 pm
Forum: Personal Consumer Issues
Topic: African Safari: Worth it or Hype?
Replies: 57
Views: 4343

Re: African Safari: Worth it or Hype?

Worth it.
by livesoft
Sat Jun 16, 2018 3:18 pm
Forum: Investing - Help with Personal Investments
Topic: Retirement Reset - Best Strategy to (Re)Organize?
Replies: 7
Views: 1139

Re: Retirement Reset - Best Strategy to (Re)Organize?

One key component I want to add, though, is a non-tax-advantaged account to help me cover costs if I can (I hope) retire before I'm of age to tap into my retirement accounts. Sounds like the fund you mentioned would not be the right fit there? Cross that bridge when you come to it. That is, when yo...
by livesoft
Sat Jun 16, 2018 3:10 pm
Forum: Personal Consumer Issues
Topic: Standard buyer's remorse or poorly timed enlightenment?
Replies: 40
Views: 3394

Re: Standard buyer's remorse or poorly timed enlightenment?

You are so far from semi-retirement that you must purge those thoughts for another 10 years or so. In the meantime: Don't worry. Be happy.

But it is interesting to me that you registered today to make this as your first post. Very interesting indeed. Welcome.

Now get back to work.