Search found 58866 matches

by livesoft
Tue Feb 20, 2018 12:12 am
Forum: Investing - Help with Personal Investments
Topic: VAIPX/TIPS: To sell or not to sell
Replies: 8
Views: 436

Re: VAIPX/TIPS: To sell or not to sell

You mentioned 3 bond fund options: VFSUX, VFIJX, VAIPX. Do you have a plan on how to rebalance among them? The 1-year return of VAIPX and VFIJX is essentially identical at 0%. And for VFSUX it is 0.9%. All of those are less than the 1-year return of Vang MM Prime. At some point you will want to reba...
by livesoft
Mon Feb 19, 2018 9:18 pm
Forum: Investing - Help with Personal Investments
Topic: Will REIT funds ever see another drawdown like 2008?
Replies: 32
Views: 2494

Re: Will REIT funds ever see another drawdown like 2008?

iceport wrote:
Mon Feb 19, 2018 9:16 pm
Isn't a sell always paired with a buy?
Not for people who are rebalancing or tax-loss harvesting and not using RBD's for market timing.

It also seems that this thread has been successfully hijacked.
by livesoft
Mon Feb 19, 2018 9:01 pm
Forum: Investing - Help with Personal Investments
Topic: Will REIT funds ever see another drawdown like 2008?
Replies: 32
Views: 2494

Re: Will REIT funds ever see another drawdown like 2008?

No, it's only when selling which happens after RBD buying that there is no pre-defined sell signal, so I might as well call it emotional selling.
by livesoft
Mon Feb 19, 2018 8:39 pm
Forum: Investing - Help with Personal Investments
Topic: Will REIT funds ever see another drawdown like 2008?
Replies: 32
Views: 2494

Re: Will REIT funds ever see another drawdown like 2008?

Actually, purchases are not emotional, but triggered by specific events after those events occur.
by livesoft
Mon Feb 19, 2018 8:16 pm
Forum: Investing - Help with Personal Investments
Topic: Will REIT funds ever see another drawdown like 2008?
Replies: 32
Views: 2494

Re: Will REIT funds ever see another drawdown like 2008?

And my point is that it is probably OK for me to "wait" in Total Stock Market until I buy some VNQ.
by livesoft
Mon Feb 19, 2018 8:02 pm
Forum: Investing - Help with Personal Investments
Topic: Will REIT funds ever see another drawdown like 2008?
Replies: 32
Views: 2494

Re: Will REIT funds ever see another drawdown like 2008?

White Coat Investor wrote:
Mon Feb 19, 2018 7:57 pm
FWIW, my return in REITs from 2007 to present is an annualized 7.64%. Staying the course works, even when the timing of your initial entry is terrible.
FWIW, the return of VTSAX (Vanguard Total Stock Market Index fund) for the past 10 years is 9.83% annualized.
by livesoft
Mon Feb 19, 2018 7:58 pm
Forum: Personal Finance (Not Investing)
Topic: Considering move to Tulsa, OK
Replies: 8
Views: 911

Re: Considering move to Tulsa, OK

Tulsa is a great place to live. But you know, whether you will like it or not will probably heavily depend on where you live now and where you have lived in the past. For instance, if you have lived your whole life in Amarillo, then Tulsa would be a step up. And I have to mention earthquakes and flo...
by livesoft
Mon Feb 19, 2018 7:38 pm
Forum: Investing - Help with Personal Investments
Topic: Help! Preparing for Taxes
Replies: 8
Views: 466

Re: Help! Preparing for Taxes

I can't say what your taxes would be, but with $80K of investments, they cannot be something to worry about. You haven't given us any clue about your taxes that are often given here on the forum (marginal income tax rate, filing status, number of kids, kinds of income (wages, dividends, capital gain...
by livesoft
Mon Feb 19, 2018 7:16 pm
Forum: Investing - Help with Personal Investments
Topic: Help! Preparing for Taxes
Replies: 8
Views: 466

Re: Help! Preparing for Taxes

I think taxes will be easy. I think you are worried about nothing. One's financial institution (Vanguard and WellsFargo) will give you 1099-DIV, a 1099-B, and/or a consolidated 1099 documents each year. If you login to your WellsFargo account, you can find this very easily. Download it, print it out...
by livesoft
Mon Feb 19, 2018 7:05 pm
Forum: Personal Consumer Issues
Topic: Seeing Yellowstone National Park
Replies: 20
Views: 1781

Re: Seeing Yellowstone National Park

^Thanks! Great field report.
by livesoft
Mon Feb 19, 2018 6:51 pm
Forum: Investing - Help with Personal Investments
Topic: Adviser said I made a big mistake switching 403b to Aspire??
Replies: 9
Views: 575

Re: Adviser said I made a big mistake switching 403b to Aspire??

Sales pitch. Your advisor can charge what they want to do your taxes, so it reads like he threatened you with higher fees because you switched. You should probably find someone else to do your taxes. Maybe even you can do your own taxes and save his fees on that, too?
by livesoft
Mon Feb 19, 2018 6:46 pm
Forum: Investing - Help with Personal Investments
Topic: What do Bogleheads think of Passive income through Dividend Stocks
Replies: 26
Views: 2148

Re: What do Bogleheads think of Passive income through Dividend Stocks

Here is a decent discussion of what Bogleheads think of Passive Income through Dividend Stocks that was started in December 2017:
viewtopic.php?t=233637 It has 185 posts
by livesoft
Mon Feb 19, 2018 6:44 pm
Forum: Investing - Theory, News & General
Topic: "The Effects of Social Security Benefits and RMDs on Tax-Efficient Withdrawal Strategies"
Replies: 6
Views: 1101

Re: "The Effects of Social Security Benefits and RMDs on Tax-Efficient Withdrawal Strategies"

I want to make a couple of comments. 1. The suggested precision in the article is laughable. The "Portfolio Life" numbers to 4 significant digits are a joke. I suppose they needed them because the differences might not even show up without those 2 digits to the right of the decimal point. We all kno...
by livesoft
Mon Feb 19, 2018 6:31 pm
Forum: Investing - Help with Personal Investments
Topic: Will REIT funds ever see another drawdown like 2008?
Replies: 32
Views: 2494

Re: Will REIT funds ever see another drawdown like 2008?

Ha! I have posted in other recent REIT threads what I think about REITs nowadays. I will buy VNQ at some point in the future, but not now. In the meantime, I will invest the money earmarked for VNQ into Total US Stock Market Index fund.
by livesoft
Mon Feb 19, 2018 5:35 pm
Forum: Personal Consumer Issues
Topic: Seeing Yellowstone National Park
Replies: 20
Views: 1781

Re: Seeing Yellowstone National Park

davidsorensen32 wrote:
Mon Feb 19, 2018 11:03 am
... or get that dream photograph - the reflection of a rising or setting sun in a buffalo's eye (catchment light ?)
You mean sort of like this?

Image



That's part of a larger photo which cannot be posted due to size. https://i.imgur.com/CrNtZin.jpg
by livesoft
Mon Feb 19, 2018 5:10 pm
Forum: Investing - Help with Personal Investments
Topic: Rebalancing in a Bear Market
Replies: 7
Views: 530

Re: Rebalancing in a Bear Market

If I need more equities, then I sell bond fund shares to buy more equities. I don't care if bond fund shares are down or not. For any major rebalancing, I wait until the ETFs that I want to buy have a bona fide livesoft Really Bad Day as defined many times on bogleheads.org. That way, I don't rebala...
by livesoft
Mon Feb 19, 2018 4:14 pm
Forum: Investing - Theory, News & General
Topic: 2017 Relative Tax Efficiency
Replies: 2
Views: 230

Re: 2017 Relative Tax Efficiency

Happy Birthday! Thx.
by livesoft
Mon Feb 19, 2018 4:13 pm
Forum: Investing - Help with Personal Investments
Topic: Taxing First-in-First-out
Replies: 7
Views: 344

Re: Taxing First-in-First-out

You cannot pick and choose after the trade settles. There have always been specific rules about this and they have not changed. See IRS Publication 550.
by livesoft
Mon Feb 19, 2018 4:11 pm
Forum: Investing - Help with Personal Investments
Topic: Tax Adjusting a Taxable Account
Replies: 18
Views: 784

Re: Tax Adjusting a Taxable Account

This tax-adjusting thing is very personal. I'll give a crazy example of how it works for me: 1. When I withdraw from my taxable account, I have no tax liability and pay no taxes on the withdrawal. That's because qualified dividend income is not taxed for me, long-term capital gains are not taxed, an...
by livesoft
Mon Feb 19, 2018 3:38 pm
Forum: Personal Consumer Issues
Topic: Seeing Yellowstone National Park
Replies: 20
Views: 1781

Re: Seeing Yellowstone National Park

The Lodge is not the same as Old Faithful, nor is OF the same as all the other geysers in the Geyser Basin areas. And geysers are definitely part of Nature. The Lodge itself was less than 60 minutes of my time. We should do a survey of who has seen wild wolves in Yellowstone that were closer than a ...
by livesoft
Mon Feb 19, 2018 8:58 am
Forum: Investing - Help with Personal Investments
Topic: High ER funds with large cap gains - what to do ?
Replies: 7
Views: 521

Re: High ER funds with large cap gains - what to do ?

Formula discussed in the wiki: https://www.bogleheads.org/wiki/Paying_ ... itch_funds

If reinvesting distributions, stop that.

Consider donating shares to your Donor Advised Fund.
by livesoft
Mon Feb 19, 2018 8:48 am
Forum: Personal Finance (Not Investing)
Topic: What does it mean to be "in cash"?
Replies: 17
Views: 1018

Re: What does it mean to be "in cash"?

If one has Treasury bills held at TreasuryDirect.gov, they are considered liquid cash, but the reality is that it may take a while to get cash from them into your pocket, right?
by livesoft
Mon Feb 19, 2018 8:22 am
Forum: Investing - Help with Personal Investments
Topic: Scottrade migration to TDAM
Replies: 10
Views: 685

Re: Scottrade migration to TDAM

First, I never dealt with Scottrade, so don't know the answer to your first question. You should be comfortable enough to call up your local rep at the office you already deal with and ask them your questions. If not, then you should move to a place where you are comfortable asking questions. I woul...
by livesoft
Mon Feb 19, 2018 8:19 am
Forum: Investing - Help with Personal Investments
Topic: Switching from TDAM to VG implications
Replies: 13
Views: 552

Re: Switching from TDAM to VG implications

You also mentioned doing the buy/sell at the same time after moving the SPDR ETFs. In that case, the sell at Vanguard would cost a commission. Finally, note that TDAm has an account closure fee for some clients. In a strange twist, the commission to sell the SPDR ETF at Vanguard is $7 while the com...
by livesoft
Mon Feb 19, 2018 7:32 am
Forum: Investing - Help with Personal Investments
Topic: New retiree really needs help with tax-deferred monies
Replies: 4
Views: 484

Re: New retiree really needs help with tax-deferred monies

carolinaman wrote:
Mon Feb 19, 2018 7:22 am
I think moving all of your investments into VSMGX is a good idea.
I agree with this, too.
by livesoft
Mon Feb 19, 2018 7:29 am
Forum: Investing - Help with Personal Investments
Topic: Roth conversions to shrink RMDs
Replies: 15
Views: 992

Re: Roth conversions to shrink RMDs

Does she have money to pay the taxes on the conversion(s) from non-IRA sources?
by livesoft
Mon Feb 19, 2018 7:08 am
Forum: Personal Consumer Issues
Topic: Seeing Yellowstone National Park
Replies: 20
Views: 1781

Re: Seeing Yellowstone National Park

* Avoid Old faithful lodge like the plague - overcrowded, over expensive and absolutely against what the park stands for Actually, Old Faithful Lodge is exactly what the park stood for at one time. It is an extremely important historical building with daily tours. All visitors should participate in...
by livesoft
Mon Feb 19, 2018 7:00 am
Forum: Investing - Help with Personal Investments
Topic: Mechanics of rebalancing while in accumulation phase
Replies: 12
Views: 787

Re: Mechanics of rebalancing while in accumulation phase

Are there any aggregation services like PC or tools within Vanguard/Fidelity/Schwab when linking external accounts so you can view them within that brokerage which can set up notifications when your AA passes a threshold? Thanks! Yes, explained, shown, and discussed in this thread with screen captu...
by livesoft
Mon Feb 19, 2018 6:58 am
Forum: Investing - Help with Personal Investments
Topic: Switching from TDAM to VG implications
Replies: 13
Views: 552

Re: Switching from TDAM to VG implications

Presumably, you don't have very much in these ETFs at TDAM right now, so no reason not to sell them and start with fresh ETFs at Vanguard. If I was doing this, I would sell at TDAM after the short-term commission time had passed (31 days?) and move the cash. That way, the 1099-B would come from TDAM...
by livesoft
Sun Feb 18, 2018 10:06 pm
Forum: Investing - Help with Personal Investments
Topic: Recent market downturn and TLH
Replies: 8
Views: 335

Re: Recent market downturn and TLH

Vanguard's REIT fund is at 25.03. Anything you bought since around February 2016 would have been eligible for TLH. Vanguard's Total Bond fund is at 10.49. Anything you bought since around October 2016 would have been eligible for TLH. But probably only if bought in a taxable account. TYpically REIT...
by livesoft
Sun Feb 18, 2018 9:58 pm
Forum: Investing - Help with Personal Investments
Topic: Question regarding tax rate in retirement
Replies: 11
Views: 1099

Re: Question regarding tax rate in retirement

I suspect your tax rate will be zero. See this thread for starters: viewtopic.php?t=87471
A reason is that many families don't pay income taxes. Plus return of capital is not taxed.
by livesoft
Sun Feb 18, 2018 9:52 pm
Forum: Investing - Help with Personal Investments
Topic: Recent market downturn and TLH
Replies: 8
Views: 335

Re: Recent market downturn and TLH

See this thread: viewtopic.php?t=241113 It has 87 posts that help answer your question.
by livesoft
Sun Feb 18, 2018 9:51 pm
Forum: Personal Consumer Issues
Topic: Vancouver Vacation (Canada)
Replies: 18
Views: 1223

Re: Vancouver Vacation (Canada)

Ooops, kids all under 6? You can cover Vancouver in one day: Go to the Aquarium. Done.

There are also playgrounds in/near Stanley Park where the aquarium is located.
by livesoft
Sun Feb 18, 2018 6:50 pm
Forum: Forum Issues and Administration
Topic: Fewer Readers Despite Continued Market Volatility
Replies: 7
Views: 648

Re: Fewer Readers Despite Continued Market Volatility

Yes, bogleheads.org is a superb Market Timing Indicator. Also a superb Tax Loss Harvesting Indicator.
by livesoft
Sun Feb 18, 2018 6:47 pm
Forum: Investing - Help with Personal Investments
Topic: I reduced my exposure to US stocks before the correction.
Replies: 36
Views: 3154

Re: I reduced my exposure to US stocks before the correction.

What question?

If the question is "Can bond funds be used to rebalance into equity funds?" then the answer is "Definitely, Yes!"
by livesoft
Sun Feb 18, 2018 6:16 pm
Forum: Investing - Help with Personal Investments
Topic: I reduced my exposure to US stocks before the correction.
Replies: 36
Views: 3154

Re: I reduced my exposure to US stocks before the correction.

OK. In a less extreme example, if you were 60/40 always and stocks devalue for whatever reason, suddenly you might be 40/60 despite having made no manual reallocations. That is the time to reallocate to 60/40, correct? Effectively, youre treating the bond investment as cash but getting a better ROR...
by livesoft
Sun Feb 18, 2018 5:27 pm
Forum: Personal Consumer Issues
Topic: Do you wear a wedding band? [at a job interview]
Replies: 125
Views: 6749

Re: Do you wear a wedding band?

Yes, for most of 35 years. There were months when I didn't wear it due to broken bones, surgery, and ORIF.
by livesoft
Sun Feb 18, 2018 5:06 pm
Forum: Investing - Theory, News & General
Topic: Why investors shouldn’t panic over falling bond prices
Replies: 14
Views: 2834

Re: Why investors shouldn’t panic over falling bond prices

Doesn't this suggest that investors should get out of Total US Bond index funds, then buy back in after it drops another 2% whether that takes 1 month or 1 year? Doing that would not be panicking, but would be a rational decision to get off a dead horse. The one year return of Total US Bond Index fu...
by livesoft
Sun Feb 18, 2018 4:42 pm
Forum: Investing - Help with Personal Investments
Topic: Portfolio review; Suggestions on how to create early retirement income
Replies: 2
Views: 443

Re: Portfolio review; Suggestions on how to create early retirement income

1. I don't think it matters what you do. You could have less equities and see how you feel about that. 2. You don't need an income stream per se since you have one. I would invest for total return tax efficiently. Indeed, newly purchased equity funds in taxable are going to have the highest possibil...
by livesoft
Sun Feb 18, 2018 4:24 pm
Forum: Investing - Help with Personal Investments
Topic: Don't market time...i know, i know.
Replies: 34
Views: 4503

Re: Don't market time...i know, i know.

I don't think it matters much what you do now that you have sort of described your financial situation.
by livesoft
Sun Feb 18, 2018 3:22 pm
Forum: Investing - Help with Personal Investments
Topic: I reduced my exposure to US stocks before the correction.
Replies: 36
Views: 3154

Re: I reduced my exposure to US stocks before the correction.

I also reduced my exposure to stocks before the correction in a normal act of rebalancing. Then I increased my exposure to stocks at near the bottom of the correction in another act of rebalancing. Thank goodness because bond funds lost a ton of money during those 10 days. My point is that one can m...
by livesoft
Sun Feb 18, 2018 3:16 pm
Forum: Personal Consumer Issues
Topic: Seeing Yellowstone National Park
Replies: 20
Views: 1781

Re: Seeing Yellowstone National Park

In/out Jackson Hole was cheap for us. We went in September. Saw Grand Tetons and Yellowstone. Stayed in Jackson Hole, Colter Bay Village, and ranger housing in middle of Yellowstone. 10 days was about right, but we did quite a lot of hiking besides all the usual tourist attractions. There are severa...
by livesoft
Sun Feb 18, 2018 10:55 am
Forum: Personal Finance (Not Investing)
Topic: How to pay ZERO taxes in retirement with 6-figure expenses
Replies: 201
Views: 102919

Re: How to pay ZERO taxes in retirement with 6-figure expenses

I agree that if one changes the scenario, then things change. This thread started at the end of 2011. In the 6 years since, the stock market has done quite nicely with VTSAX more than doubling in value. Tax rates in theory have decreased, too. My recent updates to this thread showed that my spouse w...
by livesoft
Sun Feb 18, 2018 10:49 am
Forum: Investing - Help with Personal Investments
Topic: How to figure out total amount withdrawn from Vanguard into checking?
Replies: 2
Views: 327

Re: How to figure out total amount withdrawn from Vanguard into checking?

I can see all transactions (deposits) in my checking account with "VGI" in the text associated with the deposit, so that's what you can search on.
by livesoft
Sun Feb 18, 2018 10:26 am
Forum: Investing - Help with Personal Investments
Topic: Short treasuries or short term bond index fund?
Replies: 13
Views: 827

Re: Short treasuries or short term bond index fund?

An option often overlooked: Invest in 2-year (or shorter, if you prefer) treasury notes or bills at no cost through Treasury Direct. Well, there is a cost in your time and aggravation to set that up, transfer assets, etc. Plus if there is a 10% drop in one week in my equities, I would want the mone...
by livesoft
Sun Feb 18, 2018 10:23 am
Forum: Investing - Help with Personal Investments
Topic: Switching Total Domestic/Large Cap to Small/Mid Cap in Tax-Advantaged Accounts for TLH
Replies: 25
Views: 1184

Re: Switching Total Domestic/Large Cap to Small/Mid Cap in Tax-Advantaged Accounts for TLH

rhodnius wrote:
Sun Feb 18, 2018 3:57 am
... and they did not mention that VITPX could affect TLH VTSAX.
How would we even know that? You didn't tell us what VITPX was (see my first post in this thread).
by livesoft
Sun Feb 18, 2018 10:20 am
Forum: Investing - Help with Personal Investments
Topic: Short treasuries or short term bond index fund?
Replies: 13
Views: 827

Re: Short treasuries or short term bond index fund?

edgeagg wrote:
Sun Feb 18, 2018 10:03 am
So, if I had bought more into a bond fund this month, I would be looking at a short term loss of capital, would I not? Also, thanks a lot for the answers here.
Yes, you would have had a loss.

One can plot the total return of almost any fund to see what the gain/loss would be over any time range.
by livesoft
Sun Feb 18, 2018 10:11 am
Forum: Investing - Help with Personal Investments
Topic: Short treasuries or short term bond index fund?
Replies: 13
Views: 827

Re: Short treasuries or short term bond index fund?

Check out the plot of prices of BIL (1-3 month Treasury bill ETF) and SHY (1-3 year Treasury bond ETF) https://i.imgur.com/usfqNQH.png The sawtooth of BIL is just the monthly dividend accrual showing up in the price. I don't own either of these ETFs, but I might in the future. How does an investor k...
by livesoft
Sun Feb 18, 2018 10:01 am
Forum: Investing - Theory, News & General
Topic: Fellow TDA bogleheads [TDA dropping Vanguard ETFs from commission-free list]
Replies: 549
Views: 57586

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

@ftobin, thanks, I would have said it a different way but meant the same thing, so your wording is much better than I would have done. Thanks.