Search found 58018 matches

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: 12
Views: 845

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: 41
Views: 2688

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. I probably own more Apple and Microsoft comb...
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: 9
Views: 300

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: 530

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: 53
Views: 2023

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: 2
Views: 170

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: 530

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: 28
Views: 1323

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: 28
Views: 1323

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: 1732

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: 21698

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: 15
Views: 983

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: 53
Views: 2023

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: 51837

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: 51837

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: 15
Views: 983

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: 21698

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: 21698

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: 53
Views: 2023

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: 737

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: 21698

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: 1396

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: 192

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: 538

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: 472

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: 1284

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: 44
Views: 2847

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: 734

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: 472

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: 21698

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: 734

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.
by livesoft
Fri Jan 19, 2018 10:31 am
Forum: Investing - Theory, News & General
Topic: Rebalancing in last 12 months
Replies: 19
Views: 1338

Re: Rebalancing in last 12 months

What does academic literature say on frequency of rebalancing and effect on returns? I remember a fidelity article about best returns being for those who were deceased and didn’t touch their accounts. Total hearsay, so you remember hearsay. Here is more hearsay: I heard of a Fidelity article about ...
by livesoft
Fri Jan 19, 2018 9:10 am
Forum: Personal Consumer Issues
Topic: Family Balance and Children's Athletics
Replies: 35
Views: 2078

Re: Family Balance and Children's Athletics

Ok, I read about all the extreme behavior above (and some reasonable behavior) but I have to write that the vast majority of parents and families are very reasonable about sports activities for their children. Sports is a big part of life in the USA and other countries, so it is very useful to have ...
by livesoft
Fri Jan 19, 2018 7:35 am
Forum: Investing - Help with Personal Investments
Topic: High Dividend Stocks as bond substitute?
Replies: 29
Views: 1466

Re: High Dividend Stocks as bond substitute?

So your stocks had the return of the stock market which you could've gotten with investing in a couple of total stock market index funds. They are not bonds nor bond funds and should not be compared to bonds. If you want 100% equities and the risk that goes with that, then it is not a problem I think.
by livesoft
Fri Jan 19, 2018 7:19 am
Forum: Investing - Help with Personal Investments
Topic: New guy with a question
Replies: 4
Views: 481

Re: New guy with a question

I suggest putting your bond funds in your tax-deferred accounts such as a traditional IRA, then your tax-efficient equity funds can go into any of the 3 kinds of accounts: future tax-free (Roth), tax-deferred (trad. IRA/403b/401k/...), and/or taxable. And I would keep bond funds out of taxable and R...
by livesoft
Thu Jan 18, 2018 4:08 pm
Forum: Investing - Theory, News & General
Topic: $399 - New Course - Fire your Financial Advisor - By WhiteCoat Investor - Anyone?
Replies: 121
Views: 6973

Re: $399 - New Course - Fire your Financial Advisor - By WhiteCoat Investor - Anyone?

Yes, I think it is true. If rebalancing didn't make a meaningful change, then one can also say the expense ratio diference is also not meaningful. Behavioral issues also have an impact, too. I'll say this, too: Nobody rebalances like a computer algorithm, so those "studies" are always to be taking w...
by livesoft
Thu Jan 18, 2018 4:04 pm
Forum: Investing - Theory, News & General
Topic: Rebalancing in last 12 months
Replies: 19
Views: 1338

Re: Rebalancing in last 12 months

I go by tight bands and RBDs, so my records show I sold equities on at least 14 days in significant amounts including today. BTW, that's an advantage to using MSMoney: I can create a report that only shows sell transactions for equities greater than a given dollar amount over any date range. Plus ma...
by livesoft
Thu Jan 18, 2018 3:47 pm
Forum: Investing - Theory, News & General
Topic: $399 - New Course - Fire your Financial Advisor - By WhiteCoat Investor - Anyone?
Replies: 121
Views: 6973

Re: $399 - New Course - Fire your Financial Advisor - By WhiteCoat Investor - Anyone?

Not to get too off topic, but I thought this was at least partially debunked- the continuous and automatic fund rebalancing makes up for the slight increase in ER. Yes, I think that is essentially true, but there are still the taxes which would be a big deal for high income folks and low income fol...
by livesoft
Thu Jan 18, 2018 2:44 pm
Forum: Personal Consumer Issues
Topic: Family Balance and Children's Athletics
Replies: 35
Views: 2078

Re: Family Balance and Children's Athletics

In my area there are leagues for every age level and athletic ability, so no one is left out. So clearly parents can set their own boundaries. After about age 12 or so, the kids know if they are going to stop sports, play on school teams, play in church or Y leagues, or play AAU leagues. I coached y...
by livesoft
Thu Jan 18, 2018 1:41 pm
Forum: Investing - Theory, News & General
Topic: Is there a reason I can't do a single-transaction rebalance in my IRAs?
Replies: 9
Views: 922

Re: Is there a reason I can't do a single-transaction rebalance in my IRAs?

I have a taxable account and I do not want it to have the same asset allocation as my other accounts. I do not want multi-transaction things happening because I don't want to pay taxes that are trivially avoided. I make adjustments in my tax-advantaged accounts based on the entire portfolio asset al...
by livesoft
Thu Jan 18, 2018 1:39 pm
Forum: Investing - Help with Personal Investments
Topic: which Brokerage do you use...why?
Replies: 45
Views: 5105

Re: which Brokerage do you use...why?

I'm glad you mentioned dividends going to an external bank account. I'm looking at switching to Merrill Edge and this is a feature I want. Does anyone know how common this is among brokerages? I know Vanguard can do it with mutual funds but I don't think they can with an ETF. I have my Fidelity tax...
by livesoft
Thu Jan 18, 2018 1:05 pm
Forum: Personal Finance (Not Investing)
Topic: To the doctors on the forum
Replies: 88
Views: 4966

Re: To the doctors on the forum

I had the MRI discussion with my orthopedist last year. We discussed all MRI places within about a 10 mile radius and there were several of them. His reasoning for recommending a specific one was quite interesting: He liked the reports from the radiologist* that read the MRIs which also showed up in...
by livesoft
Thu Jan 18, 2018 12:44 pm
Forum: Investing - Theory, News & General
Topic: $399 - New Course - Fire your Financial Advisor - By WhiteCoat Investor - Anyone?
Replies: 121
Views: 6973

Re: $399 - New Course - Fire your Financial Advisor - By WhiteCoat Investor - Anyone?

I'm amused by this thread. WCI probably got tired of e-mails asking him "How do I fire my financial advisor?" At least now his answer can be simple: "Click on this."
by livesoft
Thu Jan 18, 2018 9:14 am
Forum: Investing - Help with Personal Investments
Topic: Selling Shares of UTMA Account
Replies: 29
Views: 1135

Re: Selling Shares of UTMA Account

Until one understands the new kiddie tax rules completely I think one cannot make a decision. If the UTMA is invested tax efficiently then it should not create any income that is taxed, so selling it is not so important. Since young adult is earning money, that earned money can be used to fund Roth ...
by livesoft
Thu Jan 18, 2018 8:43 am
Forum: Investing - Help with Personal Investments
Topic: Automatic Investing
Replies: 11
Views: 609

Re: Automatic Investing

I wonder if you can push from your checking to Fidelity checking (aka cash management account) and then have Fidelity do automatic investing from the CMA ?

You have a Fido CMA, right?
by livesoft
Wed Jan 17, 2018 7:39 pm
Forum: Investing - Help with Personal Investments
Topic: Should I sell Ishares and invest in index funds?
Replies: 5
Views: 444

Re: Should I sell Ishares and invest in index funds?

In general, i think many iShares ETFs are index funds, so it would not make sense to sell something like ITOT and buy a Vanguard total stock market index fund.

Thus, figure out what you really got and perhaps reveal your holdings here for more help.
by livesoft
Wed Jan 17, 2018 5:11 pm
Forum: Investing - Theory, News & General
Topic: Recent market gains
Replies: 18
Views: 1520

Re: Recent market gains

Bitcoin profits
by livesoft
Wed Jan 17, 2018 4:00 pm
Forum: Investing - Help with Personal Investments
Topic: Form 8606 filed preemptively before funding IRA
Replies: 6
Views: 341

Re: Form 8606 filed preemptively before funding IRA

Vanguard does not have anything to do with these forms.