Search found 35 matches

by vrr106
Fri Nov 01, 2019 10:09 am
Forum: Investing - Theory, News & General
Topic: If Burry proves to be right wouldn't this method be a pretty easy solution to circumvent problem he is describing?
Replies: 4
Views: 1118

Re: If Burry proves to be right wouldn't this method be a pretty easy solution to circumvent problem he is describing?

Leaving aside the details of Burry's arguments, I don't get your logic (assuming you are saying that Total Stock Market indexes are immune from lack of price discovery but an S&P 500 fund is not immune). Just going with Burry's theory, that would hold true for TSM as well because without that index,...
by vrr106
Fri Nov 01, 2019 9:07 am
Forum: Personal Investments
Topic: Maxing out 401k with percentage of income
Replies: 14
Views: 1125

Re: Maxing out 401k with percentage of income

My 401K administrator only lets me specify contributions as a whole number percentage of my pay. thus it's difficult to precisely contribute the maximum to the account each year. How do others deal with this? I was considering simply overfunding it early in the year and then asking for the differen...
by vrr106
Thu Oct 10, 2019 6:37 am
Forum: Personal Investments
Topic: What should I do about employer / industry risk in tech?
Replies: 36
Views: 3242

Re: What should I do about employer / industry risk in tech?

I don't see why I should expect the market for my skills to come back. It might, but it might not. This may be totally unsolicited advice not germane to the investment discussion, but in hindsight what worked for me was to grow my career on a management track as opposed to a technical track. Regard...
by vrr106
Wed Oct 09, 2019 5:15 pm
Forum: Personal Investments
Topic: What should I do about employer / industry risk in tech?
Replies: 36
Views: 3242

Re: What should I do about employer / industry risk in tech?

Yes, but it will change after wiping out a significant fraction of my savings at the same time I'm on longer able to find lucrative employment. I am in a similar situation - tech company, compensation well above average for a similar role in a non tech company etc. However, I don't view this as a c...
by vrr106
Wed Oct 09, 2019 3:16 pm
Forum: Personal Investments
Topic: What should I do about employer / industry risk in tech?
Replies: 36
Views: 3242

Re: What should I do about employer / industry risk in tech?

Total Stock Market is the most correlated to tech. Thanks for pulling up these numbers. I suspected the correlation would be high simply from looking at what total stock market holds, but I didn't realize it's that high. The top N holdings are a list of major tech employers. Many mid-sized tech com...
by vrr106
Wed Oct 09, 2019 2:52 pm
Forum: Personal Investments
Topic: How can I roll over an old employer 401K?
Replies: 6
Views: 645

Re: How can I roll over an old employer 401K?

I'm 29 and my annual AGI last year was a little over $250K. I have not yet contributed to any IRA's (I know, long story) but am really looking to set one up starting this year. I understand that given my AGI limits, I would need to contribute to traditional IRA and immediately roll over to Roth’s (...
by vrr106
Wed Oct 09, 2019 12:21 pm
Forum: Personal Investments
Topic: Where to allocate large stock sale proceeds given current allocation
Replies: 7
Views: 393

Re: Where to allocate large stock sale proceeds given current allocation

magicrat wrote:
Wed Oct 09, 2019 12:08 pm
Bonds go in pre-tax (not sure if this is what you mean by tax advantaged). Invest your cash according to your 85/15 target. Do not market time.
What I meant was that buying bonds in taxable would incur taxes. We are in the 37% tax bracket right now.
by vrr106
Wed Oct 09, 2019 10:55 am
Forum: Personal Investments
Topic: Where to allocate large stock sale proceeds given current allocation
Replies: 7
Views: 393

Re: Where to allocate large stock sale proceeds given current allocation

I should have added - my desired AA is 85/15 but I'm not sure if I should:
a. Rebalance tax advantaged to achieve this and allocate the available cash into taxable stock funds
b. Buy bonds in taxable (look for more tax efficiency?)
c. Worry about market timing at all?
by vrr106
Wed Oct 09, 2019 10:23 am
Forum: Personal Investments
Topic: Where to allocate large stock sale proceeds given current allocation
Replies: 7
Views: 393

Where to allocate large stock sale proceeds given current allocation

Hello all, We have a fairly large chunk of change (~$500K) in cash due to a recent sale of my company RSUs which I sold given it's current levels. I would like your thoughts on where to put this given the rest of our combined portfolio (wife and I) is as follows below. (Note that additional tax adva...
by vrr106
Tue Oct 08, 2019 10:32 am
Forum: Personal Finance (Not Investing)
Topic: Personal Capital website?
Replies: 26
Views: 2400

Re: Personal Capital website?

Anyone use this account aggregator service? While searching for aggregators, Personal Capital and Mint seemed to be the top two ones that kept coming up. I've just been using my Fidelity account up until now since it has this feature built-in, but it's kind of flaky, and doesn't want to work with a...
by vrr106
Tue Oct 08, 2019 10:29 am
Forum: Personal Finance (Not Investing)
Topic: 529 savings?
Replies: 19
Views: 2663

Re: 529 savings?

Retirement savings are on track (I hope!) so just focusing on 529 accounts here. Three kids 8, 6, and 0. I am 39 yo married. Current account balances: 8 year old = 52k 6 year old = 34k 0 year old = 4k We're currently saving 6k per kid per year. Planning on keeping this savings rate up until each ch...
by vrr106
Tue Sep 24, 2019 8:22 am
Forum: Personal Finance (Not Investing)
Topic: How to value RSU during salary negotiation
Replies: 36
Views: 3203

Re: How to value RSU during salary negotiation

I looked into this and found that our Megacorp has two distinct "ladders": technical and managerial. Currently, my role is technical, and I'm considering moving to a role on the managerial side. In terms of salary band, the move will be lateral, not a promotion as I stated earlier. I still do not u...
by vrr106
Wed Sep 18, 2019 4:02 pm
Forum: Personal Investments
Topic: Large one-time purchase: ETF or Admiral fund?
Replies: 18
Views: 1641

Re: Large one-time purchase: ETF or Admiral fund?

livesoft wrote:
Wed Sep 18, 2019 3:50 pm
OTOH, is there a real need to do a single order? Why not 3 orders? Or 5 orders over 4 days? Or something else?
Good point, there is not a real need to do a single order
by vrr106
Wed Sep 18, 2019 3:33 pm
Forum: Personal Investments
Topic: Large one-time purchase: ETF or Admiral fund?
Replies: 18
Views: 1641

Large one-time purchase: ETF or Admiral fund?

I traditionally have been buying Admiral funds on a monthly basis (mostly VTSAX and VFIAX) for my taxable account. I now have a fairly large amount of proceeds gained from selling company stock that I want to invest. Seems like the Qualified dividend ratio for ETF is slightly better than the fund (9...
by vrr106
Wed Aug 07, 2019 11:42 am
Forum: Personal Finance (Not Investing)
Topic: HSA Vs low/zero deductible plan comparison
Replies: 2
Views: 284

HSA Vs low/zero deductible plan comparison

Hi - I've searched for this but haven't found one. Has anyone come across a tool that can compare costs and benefits of using an HSA vs a low (in my case zero) deductible plan? I tend to have somewhat high healthcase expenses due to having 2 kids, wife going through Invisalign, kids needing braces a...
by vrr106
Tue Jul 16, 2019 8:54 am
Forum: Personal Finance (Not Investing)
Topic: College cost prediction and savings for 5, 3, and newborn
Replies: 102
Views: 6371

Re: College cost prediction and savings for 5, 3, and newborn

See the post below and search for others for similar themes: https://www.bogleheads.org/forum/viewtopic.php?f=2&t=271389&p=4353548#p4353548 I really don't think anyone can accurately predict the cost. If your kids end up getting into an elite Ivy, would you send them there or would you send them to ...
by vrr106
Mon May 20, 2019 11:50 am
Forum: Investing - Theory, News & General
Topic: Amazon....we all have seen this before :)
Replies: 62
Views: 9367

Re: Amazon....we all have seen this before :)

Hey Gang, Thoughts on Amazon as it appears that a lot of younger people are jumping on stocks like Amazon in hopes that they hit a grand slam. The stock as of now looks rock solid to me as it has a lot of diversification and in my opinion is not a one trick pony. With that being said we have all se...
by vrr106
Tue May 07, 2019 12:11 pm
Forum: Personal Investments
Topic: alternatives to 529 plans
Replies: 47
Views: 3413

Re: how much to invest in 529 plan

I used to DCA but I wish I did lump sums when my kids were younger. Very hard to answer the "how much" question which I have asked before and resulted in a 643-post thread (https://www.bogleheads.org/forum/viewtopic.php?f=2&t=271389&start=600) I think there are so many variables here that it's impos...
by vrr106
Tue May 07, 2019 8:19 am
Forum: Personal Investments
Topic: 45 and 43 years old, 2 kids: Please advice on Retirement/Asset Allocation/Tax Efficiency/Loan Prepayment
Replies: 10
Views: 2244

Re: 45 and 43 years old, 2 kids: Please advice on Retirement/Asset Allocation/Tax Efficiency/Loan Prepayment

I would definitely look at getting out of some of the tech stocks, especially if you are in a tech job and will be adding more via ESPP/RSUs.
Term Life - given you live in CA, have 2 kids near college age and dual income, I would go for $3M each for 10 or 15 years.
by vrr106
Mon May 06, 2019 9:12 am
Forum: Personal Finance (Not Investing)
Topic: What do you do with variable bonus?
Replies: 24
Views: 1948

Re: What do you do with variable bonus?

Congratulations on the promotion. My rule of thumb is to first invest the max allowable in 401k, ESPP, etc. where I have a employer match or discount (i.e. free money), then look for any major expenses that I cannot cover through regular cash flow (usually home repair related) and finally invest as ...
by vrr106
Thu Apr 25, 2019 7:36 am
Forum: Personal Investments
Topic: Buying Investment (Rental) Apartment Abroad While Living in California
Replies: 10
Views: 1006

Re: Buying Investment (Rental) Apartment Abroad While Living in California

5) Would it be smarter to create a company around the holding instead? Or will this be a logistic nightmare as well? I believe filing taxes will be pretty complicated in the first place since your rental income is taxable in the US subject to tax treaties. However, if you incorporate a company in F...
by vrr106
Mon Apr 15, 2019 2:43 pm
Forum: Personal Finance (Not Investing)
Topic: Career advice for 30 y/o in software sales
Replies: 16
Views: 1799

Re: Career advice for 30 y/o in software sales

I think you also need to factor the relative stability of each company, both in the short and long term. If you're in a mid-sized company that has been growing but will see a deceleration in growth, chances are you see less accerelators and lower OTE. OTOH if double digit growth is expected to conti...
by vrr106
Sun Feb 03, 2019 8:00 pm
Forum: Personal Finance (Not Investing)
Topic: Cost of college and 529
Replies: 642
Views: 27397

Re: Cost of college and 529

https://www.bogleheads.org/forum/viewtopic.php?f=2&t=255699&start=200 This is our actual experience from 2010- 2019. My daughter graduated from high school in 2010 and it is anticipated that by June 2019 she will have BSc, MD, MPH degrees and will start a medical residency and then support herself....
by vrr106
Fri Feb 01, 2019 1:05 pm
Forum: Personal Finance (Not Investing)
Topic: Cost of college and 529
Replies: 642
Views: 27397

Re: Cost of college and 529

KlangFool wrote:
Fri Feb 01, 2019 12:40 pm
1) I have one portfolio. I do not separate college funding from my one portfolio.

KlangFool
[/quote]

Do you have similar time horizons for education, retirement and other goals? My education horizon is 7 years (for my older kid) but retirement is 20ish. I can't do both in one portfolio
by vrr106
Fri Feb 01, 2019 12:51 pm
Forum: Personal Finance (Not Investing)
Topic: Cost of college and 529
Replies: 642
Views: 27397

Re: Cost of college and 529

I'm curious to hear how others on this forum are estimating future cost of college when it comes to their 529s. From my research: - 4 year cost for elite Private college in 2029 will be ~$500K - 4 year cost for good Public school (out of state) such as a Big Ten school will be ~$300K - 4 year in-st...
by vrr106
Fri Feb 01, 2019 6:57 am
Forum: Personal Finance (Not Investing)
Topic: Cost of college and 529
Replies: 642
Views: 27397

Re: Cost of college and 529

We assume the cost to be $250k for 4 years, times two kids, 10 and 13, and assume 5% inflation. We currently have $200k saved, will add $26k this year to 529s, and will increase that a bit every year thereafter through graduation. We assume we will pay $750k total in tomorrow's dollars. I think you...
by vrr106
Thu Jan 31, 2019 3:30 pm
Forum: Personal Finance (Not Investing)
Topic: Cost of college and 529
Replies: 642
Views: 27397

Re: Cost of college and 529

I am currently planning on 60k per year (240k total). My wife went to an expensive private university and wants the munchkin to go there too (roughly 50k per year, at current rates). I want her to go to in state public (we have several good schools), which would be less. Of course, she starts in ab...
by vrr106
Thu Jan 31, 2019 3:19 pm
Forum: Personal Finance (Not Investing)
Topic: Cost of college and 529
Replies: 642
Views: 27397

Re: Cost of college and 529

Having just done the college thing this past year, with a son who applied to in-state public colleges, out-of-state public colleges, out-of-state private colleges, we found: 1) The elite of the elite colleges do cost $65-$75K per year now, and have little need to provide merit based aid. The 1400 S...
by vrr106
Thu Jan 31, 2019 3:15 pm
Forum: Personal Finance (Not Investing)
Topic: Cost of college and 529
Replies: 642
Views: 27397

Re: Cost of college and 529

I'm curious to hear how others on this forum are estimating future cost of college when it comes to their 529s. From my research: - 4 year cost for elite Private college in 2029 will be ~$500K - 4 year cost for good Public school (out of state) such as a Big Ten school will be ~$300K - 4 year in-st...
by vrr106
Thu Jan 31, 2019 10:57 am
Forum: Personal Finance (Not Investing)
Topic: Cost of college and 529
Replies: 642
Views: 27397

Re: Cost of college and 529

I divided the estimates in half based on actual experience for my children's first years at a private elite university and a state university. I found all the estimates completely exaggerated. I think they assume your child will travel between the university and home 10 times via first class air fa...
by vrr106
Thu Jan 31, 2019 10:27 am
Forum: Personal Finance (Not Investing)
Topic: Cost of college and 529
Replies: 642
Views: 27397

Cost of college and 529

I'm curious to hear how others on this forum are estimating future cost of college when it comes to their 529s. From my research: - 4 year cost for elite Private college in 2029 will be ~$500K - 4 year cost for good Public school (out of state) such as a Big Ten school will be ~$300K - 4 year in-sta...
by vrr106
Thu Jul 05, 2018 12:24 pm
Forum: Investing - Theory, News & General
Topic: Best 401k Employer Match Structure
Replies: 132
Views: 15492

Re: Best 401k Employer Match Structure

OP - I would look at Glassdoor reviews for employer benefits. One company that stands out is Ultimate software - according to Glassdoor, they match 40% of the total contribution, so $7.4K/year if you max out.
by vrr106
Thu Jul 05, 2018 11:46 am
Forum: Personal Finance (Not Investing)
Topic: Affording a $1.8-2M house
Replies: 54
Views: 10052

Re: Affording a $1.8-2M house

Coming from a similar background (2 earners in tech, albeit in MCOL) I can completely understand the need for balancing quality of life while minimizing risk. Here is how we look at things, take it for what it's worth: 1. Based on income, even without stock appreciation, you can afford $2M and maybe...
by vrr106
Wed Feb 11, 2015 10:31 am
Forum: Personal Finance (Not Investing)
Topic: How do you figure out your W4 withholding?
Replies: 24
Views: 8423

Re: How do you figure out your W4 withholding?

if you're tax situation is not overly complicated from a deduction standpoint, I would run a withholding estimator 3-4 times a year and adjust withholdings to be as close to zero as possible. I just use the IRS calculator: http://www.irs.gov/Individuals/IRS-With ... Calculator