Search found 58054 matches

by livesoft
Mon Jan 22, 2018 9:22 pm
Forum: Investing - Help with Personal Investments
Topic: Investment Checkup
Replies: 18
Views: 889

Re: Investment Checkup

But can your spouse make contributions to that fund in the future?
by livesoft
Mon Jan 22, 2018 8:45 pm
Forum: Local Chapters and Bogleheads Community
Topic: Post your Financial Milestone Announcements Here
Replies: 109
Views: 8529

Re: Post your Financial Milestone Announcements Here

Yes, there is definitely room for improvement. :)
by livesoft
Mon Jan 22, 2018 8:39 pm
Forum: Local Chapters and Bogleheads Community
Topic: Post your Financial Milestone Announcements Here
Replies: 109
Views: 8529

Re: Post your Financial Milestone Announcements Here

A livesoft milestone: Our portfolio is up 7-figures since the low of 2 years ago. Yes, we did not make a million dollars in one year, but it took 2 years. And we paid less than about $7,000 in income taxes for those 2 years.
by livesoft
Mon Jan 22, 2018 8:34 pm
Forum: Investing - Help with Personal Investments
Topic: Recommendation from a Fee Only Advisor
Replies: 4
Views: 459

Re: Recommendation from a Fee Only Advisor

Both portfolios are well within the typical portfolios seen presented on the bogleheads.org forum. One has to realize that such portfolios do not turn out like backtesting has predicted, so your numbers are just numbers and I would not put any confidence in them. I've come to the conclusion that wha...
by livesoft
Mon Jan 22, 2018 8:24 pm
Forum: Investing - Help with Personal Investments
Topic: AA and early retirement
Replies: 1
Views: 160

Re: AA and early retirement

I think it should be based on when you need the funds, your ability to take risk, and your willingness for risk. AA should probably never be based on a retirement date. After all, one is not going to cash it all in and spend it in the first week of retirement. Best series on AA and early retirement:...
by livesoft
Mon Jan 22, 2018 8:07 pm
Forum: Investing - Help with Personal Investments
Topic: Need Advice on my Retirement Portfolio
Replies: 13
Views: 767

Re: Need Advice on my Retirement Portfolio

Advisor claims I am focused only on S&P the way my funds are set up. Also said I should not have bond funds (pushing individual intermediate bonds instead) and said he would use ETFs not mutual index funds. I just retired this year. Confused. It is probably in the best interest of the financial sal...
by livesoft
Mon Jan 22, 2018 7:47 pm
Forum: Investing - Help with Personal Investments
Topic: Investment Checkup
Replies: 18
Views: 889

Re: Investment Checkup

You should probably search the forum for "TIAA traditional annuity" and see how it is like a stable value fund.
by livesoft
Mon Jan 22, 2018 7:14 pm
Forum: Personal Consumer Issues
Topic: Work-out schedule for those in 60s
Replies: 41
Views: 2276

Re: Work-out schedule for those in 60s

Hmmm, every time I view this thread, it motivates me to go do another set of carrying dumbbells up and down the stairs. :)
by livesoft
Mon Jan 22, 2018 7:13 pm
Forum: Investing - Help with Personal Investments
Topic: Investment Checkup
Replies: 18
Views: 889

Re: Investment Checkup

So you have a TIAA traditional annuity paying almost double what the CD in taxable is paying, yet you are trying to get out of it, but not out of the CD. That doesn't make sense to me. I'd keep the TIAA TA and maybe add to it. You can put those Fidelity equity funds in taxable rather than in the 403...
by livesoft
Mon Jan 22, 2018 6:59 pm
Forum: Forum Issues and Administration
Topic: Doesn't seem like people respond to portfolio assessments like they did a few years ago.
Replies: 38
Views: 2216

Re: Doesn't seem like people respond to portfolio assessments like they did a few years ago.

I find the posting format cumbersome. There is a lot of extraneous information for me to wade through, and for me the bottom line is what is your current AA? It would be nice if there was an engine (ai?) that could parse the portfolios in the various accounts and https://www.bogleheads.org/forum/vi...
by livesoft
Mon Jan 22, 2018 6:39 pm
Forum: Forum Issues and Administration
Topic: Doesn't seem like people respond to portfolio assessments like they did a few years ago.
Replies: 38
Views: 2216

Re: Doesn't seem like people respond to portfolio assessments like they did a few years ago.

I used to respond to the "pimp my portfolio" threads all the time. But if the original post doesn't follow a format that my eyeballs can rake in in a moment, I just see what happens. In the past, I might have written, "Please update to follow the desired format in the Sticky." But that was a negativ...
by livesoft
Mon Jan 22, 2018 6:02 pm
Forum: Personal Consumer Issues
Topic: Work-out schedule for those in 60s
Replies: 41
Views: 2276

Re: Work-out schedule for those in 60s

I don't have a schedule and I don't have a gym membership. I do core exercises while cooking oatmeal for breakfast as described in another thread . The core exercises are pikes, weighted crunches, planks, push-ups. In addition, I will do some of the exercises described in this NYTimes piece How to B...
by livesoft
Mon Jan 22, 2018 4:07 pm
Forum: Investing - Theory, News & General
Topic: The regular investor can now trade the stock market 24 hours a day with TD Ameritrade
Replies: 38
Views: 1962

Re: The regular investor can now trade the stock market 24 hours a day with TD Ameritrade

Looks like Livesoft will now need to be on watch for the odd "RBN" (really bad night). :D Now I can lose money twice as fast! I'm excited. Yes, TDAm has had extended hours trading for awhile. If I recall correctly, TDAm would only accept limit orders and not market orders during extended hours trad...
by livesoft
Mon Jan 22, 2018 11:20 am
Forum: Investing - Theory, News & General
Topic: The regular investor can now trade the stock market 24 hours a day with TD Ameritrade
Replies: 38
Views: 1962

Re: The regular investor can now trade the stock market 24 hours a day with TD Ameritrade

I don't own any of these ETFs and do not anticipate owning any of the ETFs. If TDAm makes money from doing this, then I have no beef with it.
by livesoft
Mon Jan 22, 2018 9:07 am
Forum: Investing - Theory, News & General
Topic: The Power of Working Longer
Replies: 33
Views: 3623

Re: The Power of Working Longer

So if you saved only 10% annually during your 30 working years, you can make that look like you saved 15% annually during your 30 working years by working another 15 to 30 months or make it look like you saved 20% annually by working 2.5 to 5 years longer. Is the converse true? If you save 50% annua...
by livesoft
Mon Jan 22, 2018 8:18 am
Forum: Investing - Help with Personal Investments
Topic: Ready to give up on bond fund, Lost 2.25% past 6 months
Replies: 61
Views: 6158

Re: Ready to give up on bond fund, Lost 2.25% past 6 months

In the past 3 weeks Total US bond index funds have dropped 1% in value. This makes them a better bargain than they were at the beginning of the year. Many people are rebalancing from their equity funds into their bond funds nowadays. That's how investing works. If your stock funds had dropped 10%, w...
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: 36
Views: 2571

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: 38
Views: 2684

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: 4
Views: 467

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: 440

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: 36
Views: 2571

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: 18
Views: 737

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: 18
Views: 737

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: 18
Views: 737

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: 7
Views: 516

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: 33
Views: 1440

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: 15
Views: 1984

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: 38
Views: 2684

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: 12
Views: 1226

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: 38
Views: 2684

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: 39
Views: 2985

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: 12
Views: 1226

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: 476

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: 436

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: 36
Views: 2571

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: 49
Views: 3580

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: 31
Views: 2186

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: 676

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: 75
Views: 3545

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: 309

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: 676

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: 73
Views: 4305

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: 73
Views: 4305

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: 1830

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: 21845

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: 1710

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: 75
Views: 3545

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.