Search found 51 matches

by CRTR
Sun Jul 01, 2018 11:04 am
Forum: Investing - Help with Personal Investments
Topic: VFIAX - TD Ameritrade -> Vanguard [Vanguard 500 Index]
Replies: 18
Views: 764

Re: VFIAX - TD Ameritrade -> Vanguard

Ironically, you can't buy Admiral Class funds in a 401k at Vanguard. You are limited to Investor Class funds. Interestingly, you can buy Admiral Class funds at Etrade though you may have to pay $20 commission.
by CRTR
Sun Jul 01, 2018 10:58 am
Forum: Investing - Help with Personal Investments
Topic: High-tax bracket (35%), 401K maxed, should I max Mega Backdoor Roth IRA?
Replies: 8
Views: 1234

Re: High-tax bracket (35%), 401K maxed, should I max Mega Backdoor Roth IRA?

So, you have an employer sponsored 401k and an individual 401k? Just curious . . . . . How are you able to pull that off? Self-employed income? Are they unrelated employers (not part of "controlled groups")?
by CRTR
Sun Jul 01, 2018 10:49 am
Forum: Investing - Help with Personal Investments
Topic: Actively managed international funds vs index international funds.
Replies: 14
Views: 1532

Re: Actively managed international funds vs index international funds.

Hmmmmmm . . . . just for fun and to play Devil's Advocate/to stoke the active/passive debate: 1. Correct me if I'm wrong but Isn't the best performing international (NOT including global funds) fund at VG over the past 10, 15, 20 years an actively managed one? (See VINEX). I'm unaware of any world e...
by CRTR
Mon May 14, 2018 12:31 pm
Forum: Investing - Help with Personal Investments
Topic: Allocation to combine Dave Ramsey and Vanguard?
Replies: 79
Views: 7325

Re: Allocation to combine Dave Ramsey and Vanguard?

Hi guys! Looking for thoughts on the following asset allocation? Dave Ramsey recommends staying aggressive not just when young but even through retirement. His split is an even 25% for Growth and Income, Growth, Aggressive Growth, and International. I've heard this described as Large, Mid, Small, I...
by CRTR
Fri May 11, 2018 6:58 pm
Forum: Investing - Help with Personal Investments
Topic: RMD—Move Cash or Equity?
Replies: 5
Views: 723

Re: RMD—Move Cash or Equity?

Hmmm . .. .couple of thoughts, off the top of my head. 1. I manage my Mom's portfolio and she has some old Vanguard Wellington holdings in her taxable brokerage account. It is NOT that tax efficient, in my opinion. She loses 1-2% per year of the total return due to taxes. So, I'm not sure I agree co...
by CRTR
Tue May 08, 2018 11:48 am
Forum: Investing - Help with Personal Investments
Topic: Emergency Fund Investment Plan
Replies: 24
Views: 2538

Re: Emergency Fund Investment Plan

OK, I'm probably going to get flamed for this but going to put it out there anyway . . . I don't have an "emergency fund", per se. Never have, never will. What I do have is a HELOC. I promise to try not to flame, because 95% of your reasoning makes perfect sense to me. Still, as a guy who spent mos...
by CRTR
Tue May 08, 2018 11:24 am
Forum: Investing - Help with Personal Investments
Topic: Concerns about RMD for roth vs tIRA contribution
Replies: 37
Views: 2019

Re: Concerns about RMD for roth vs tIRA contribution

I can't tell you what you 'should' do but I can tell you our plans. We are putting: 50% of our savings into pretax 15% of our savings into Roth 35% of our savings into after tax I don't know what the future will hold but with that breakdown we feel like we are getting a good tax break now and will ...
by CRTR
Tue May 08, 2018 8:28 am
Forum: Investing - Help with Personal Investments
Topic: Looking for an individual 401k that will accept qualified plan rollovers
Replies: 9
Views: 417

Re: Looking for an individual 401k that will accept qualified plan rollovers

I would like to be able to roll over my retirement savings from my current company's 401k to the individual 401K to take advantage of ERISA protections. What new ERISA protections do you get in Solo 401k that you DONT have in your employer 401k? Especially, since an owner-only employer retirement p...
by CRTR
Tue May 08, 2018 8:20 am
Forum: Investing - Help with Personal Investments
Topic: Concerns about RMD for roth vs tIRA contribution
Replies: 37
Views: 2019

Re: Concerns about RMD for roth vs tIRA contribution

I can't tell you what you 'should' do but I can tell you our plans. We are putting: 50% of our savings into pretax 15% of our savings into Roth 35% of our savings into after tax I don't know what the future will hold but with that breakdown we feel like we are getting a good tax break now and will ...
by CRTR
Tue May 08, 2018 8:04 am
Forum: Investing - Help with Personal Investments
Topic: Emergency Fund Investment Plan
Replies: 24
Views: 2538

Re: Emergency Fund Investment Plan

OK, I'm probably going to get flamed for this but going to put it out there anyway . . . I don't have an "emergency fund", per se. Never have, never will. What I do have is a HELOC. It doesn't cost me anything. I can access it any time I want . . . .which has been never . . . it satisfies all the re...
by CRTR
Tue May 08, 2018 7:38 am
Forum: Investing - Help with Personal Investments
Topic: No Admiral Shares in a Vanguard Individual 401(k)
Replies: 46
Views: 12316

Re: No Admiral Shares in a Vanguard Individual 401(k)

Is this still true? I am trying to decide where to open my Individual 401(k) and would like to open it at Vanguard (where my other accounts are). However, if you can't buy the Admiral shares then I would consider opening elsewhere. On the White Coat Investor Podcast, I heard that you could open an ...
by CRTR
Sun May 06, 2018 11:59 am
Forum: Investing - Help with Personal Investments
Topic: Emergency Fund
Replies: 10
Views: 1449

Re: Emergency Fund

I keep 100% of my portfolio invested. I don't have an emergency fund, per se. I do have a HELOC that doesn't cost me anything and I can access the funds any time I need to . . . which has been never . . . Keeping 6 months expenses in cash or highly liquid, low volatility assets (no or low return, in...
by CRTR
Sun May 06, 2018 11:44 am
Forum: Investing - Help with Personal Investments
Topic: Barclays Schiller CAPE ETN
Replies: 14
Views: 1341

Re: Barclays Schiller CAPE ETN

This is an interesting thread in that it may have answered a long standing question I've had . . . . a work colleague has used the same advisor for 15-20 years. He boasts his portfolio performance (dollar weighted OR time weighted) consistently has beat the market. I, of course, was VERY skeptical ....
by CRTR
Fri Apr 27, 2018 12:53 pm
Forum: Investing - Help with Personal Investments
Topic: Considering a CD ladder
Replies: 45
Views: 7262

Re: Considering a CD ladder

May I ask, is there a simple "CD Ladder for Dummies" approach that you recommend? :?: I understand Fidelity has options, but it would also seem there would be additional costs associated with that. Frankly the above conversations are above my level of understanding/expertise. (thanks in advance) Th...
by CRTR
Fri Apr 27, 2018 12:38 am
Forum: Investing - Help with Personal Investments
Topic: Any Vanguard Global Min Vol Fans? (VMVFX)?
Replies: 13
Views: 1307

Re: Any Vanguard Global Min Vol Fans? (VMVFX)?

Yes, I am . . . . so far. . . . IN January 2015, I redeemed some shares in a partnership and opened a small joint account at Vanguard. For kicks and giggles, we split the money into 3 equal piles and invested each 1/3 into Global Equity (VHGEX), Total World Stock Index (VTWSX) and Minimum Volatility...
by CRTR
Thu Apr 26, 2018 12:55 pm
Forum: Investing - Help with Personal Investments
Topic: Considering a CD ladder
Replies: 45
Views: 7262

Re: Considering a CD ladder

I have some recent (~15 years) experience with CDs. Here are some thoughts . . . . . There is nothing wrong with your idea. I've been doing it for ~7 years in my Mom's account. Her returns have outpaced Vanguard Total Bond fund by significant margin, with less "risk" (volatility and no loss of princ...
by CRTR
Wed Apr 25, 2018 8:41 pm
Forum: Investing - Help with Personal Investments
Topic: Tax inefficiency
Replies: 5
Views: 472

Re: Tax inefficiency

well, tough to give my full opinion without knowing more but that won't stop me from tossing in my two bits anyway . . . how about gifting the shares with the lowest basis to the charity of her choice and unload the rest. With distributions that high, it won't take long to come out ahead . . . as tr...
by CRTR
Wed Apr 25, 2018 8:29 pm
Forum: Investing - Help with Personal Investments
Topic: anyone convert PONAX to PIMIX at Fidelity?
Replies: 10
Views: 1254

Re: anyone convert PONAX to PIMIX at Fidelity?

Funny you should ask/post this today. I sent a message to my Vanguard rep with the same question. For whatever reason, the minimum purchase of PIMIX in a Vanguard brokerage account is only $25k. I'll let you know as soon as I get word back. I did this a couple of years ago with Vanguard. While it w...
by CRTR
Mon Apr 23, 2018 3:46 pm
Forum: Investing - Help with Personal Investments
Topic: Evaluating moving DODFX to IEFA
Replies: 5
Views: 537

Re: Evaluating moving DODFX to IEFA

I have all my international position in DODFX. I am currently evaluating moving DODFX to IEFA. Lower costs and better performance. What do you guys think? Over the past 5 years the performance (total return, growth of $10k net of expenses) of the two funds is about the same. iShares Core MSCI EAFE ...
by CRTR
Mon Apr 23, 2018 3:35 pm
Forum: Investing - Help with Personal Investments
Topic: anyone convert PONAX to PIMIX at Fidelity?
Replies: 10
Views: 1254

Re: anyone convert PONAX to PIMIX at Fidelity?

Funny you should ask/post this today. I sent a message to my Vanguard rep with the same question. For whatever reason, the minimum purchase of PIMIX in a Vanguard brokerage account is only $25k. I'll let you know as soon as I get word back.
by CRTR
Mon Apr 23, 2018 3:21 pm
Forum: Investing - Help with Personal Investments
Topic: AA for HSA used for medical expenses
Replies: 7
Views: 574

Re: AA for HSA used for medical expenses

If you insist on using the HSA account for current medical expenses, your AA should be adjusted accordingly. In such a case, there is not a clear, simple answer. If you're expecting minimal/small expenses/withdrawals, you can be more aggressive with your AA (80/20 say). On the other hand, if you're ...
by CRTR
Fri Dec 15, 2017 12:42 pm
Forum: Personal Finance (Not Investing)
Topic: Student Loans vs 401K
Replies: 11
Views: 997

Re: Student Loans vs 401K

Hmmmm . . . . I probably wouldn't change a lot from what you're doing now but here are a couple thoughts: You might this useful reading: https://www.marketwatch.com/story/save-for-retirement-or-pay-student-loans-it-depends-on-the-math-2017-09-26 I'm in line with most others here: I would continue to...
by CRTR
Fri Dec 15, 2017 11:49 am
Forum: Investing - Help with Personal Investments
Topic: What happened to Bridgeway???
Replies: 14
Views: 1695

Re: What happened to Bridgeway???

DUH!!! Kinda embarrassing given I actually know this. Thanks! Hadn't noticed it before in years past and I've owned it for almost 20 years. I just checked back to 2009, the day NAV drop was never greater than 10% and I reinvest dividends so I guess I just missed it. LOL, maybe I should watch my port...
by CRTR
Fri Dec 15, 2017 11:29 am
Forum: Investing - Help with Personal Investments
Topic: What happened to Bridgeway???
Replies: 14
Views: 1695

What happened to Bridgeway???

I don't watch my portfolio/investments daily or even monthly but something caught my eye in Quicken last night. I noticed BRSIX (Bridgeway Ultra Small Company) NAV dropped 13.39% yesterday!!! Thought it was a Quicken problem so I went online and checked my balances on Etrade and saw same thing. Chec...
by CRTR
Wed Nov 29, 2017 8:18 am
Forum: Investing - Theory, News & General
Topic: Larry Swedroe: Managing Risk With Factors
Replies: 121
Views: 11472

Re: Larry Swedroe: Managing Risk With Factors

I agree costs are critical, and factor investing involves increased costs. The benefits are only potential, the costs are certain. That being said, I disagree with Taylor’s point that factor investing is based almost entirely on past performance. I think the factors (at least size, value, momentum,...
by CRTR
Wed Nov 29, 2017 8:13 am
Forum: Investing - Theory, News & General
Topic: Vanguard to launch US 'smart beta' ETFs - Will this board burn down?
Replies: 156
Views: 19262

Here they come: new Vanguard Factor Based ETFs

[merged CRTR's post into this existing thread - moderator prudent] My Flagship Rep mentioned these were coming this summer. Forgot about them until today when I got the official notice. Better late than never?? Vanguard U.S. Value Factor ETF —Long-term capital appreciation by investing in stocks wi...
by CRTR
Thu Nov 02, 2017 8:52 am
Forum: Investing - Help with Personal Investments
Topic: Vanguard Wellesley Income Fund VWIAX VS "Global" Wellesley Income Fund VGYAX? Should I move? Would you? Wellington?
Replies: 41
Views: 6285

Re: Vanguard Wellesley Income Fund VWIAX VS "Global" Wellesley Income Fund VGYAX? Should I move? Would you?

My apologies if someone already made this point above . . . .Not sure what your tax bracket is and what the impending "tax reform" package holds in store for us but also don't forget there may be tax consequences (15-20% LTCG tax) with the conversion.
by CRTR
Thu Oct 12, 2017 2:11 pm
Forum: Personal Finance (Not Investing)
Topic: Does Vanguard Allow Mega Backdoor Roth in an i401K?
Replies: 5
Views: 786

Re: Does Vanguard Allow Mega Backdoor Roth in an i401K?

I spent about 2 hours on the phone with them ~2 years ago trying to get the same answer. I finally did . . . Not if you use their turnkey i401k plan and doc. You can, however, use their small business plan. The issue is that it will cost you ~$2500, if I remember correctly (I may not). It wasn't a c...
by CRTR
Wed Oct 11, 2017 9:51 pm
Forum: Personal Finance (Not Investing)
Topic: Growing old without kids or younger caring relatives
Replies: 106
Views: 21665

Re: Growing old without kids or younger caring relatives

2. This particular operation is a for-profit entity. I learned from my friend that did some consulting work for them, share distributions were running ~20+% per year. So, in the setting of the above, owners maintained a ~20%/year yield. This is a breach of trust by your friend. As a consultant, one...
by CRTR
Wed Oct 11, 2017 2:07 pm
Forum: Personal Finance (Not Investing)
Topic: Growing old without kids or younger caring relatives
Replies: 106
Views: 21665

Re: Growing old without kids or younger caring relatives

I sure can. Happy to give you some reasons why I believe this to be the case. 1. During this same time interval, I managed 4 surgery centers in the same part of California. It follows that I'm familiar with employee and facility costs. During this same time interval, our overhead exceeded 3% in only...
by CRTR
Tue Oct 10, 2017 2:13 pm
Forum: Personal Finance (Not Investing)
Topic: Growing old without kids or younger caring relatives
Replies: 106
Views: 21665

Re: Growing old without kids or younger caring relatives

Saw this article on The New Yorker about professional guardians who systemically strip the elderly of their civil rights and assets. How the Elderly Lose Their Rights Guardians can sell the assets and control the lives of senior citizens without their consent—and reap a profit from it. http://bit.l...
by CRTR
Tue Oct 10, 2017 2:03 pm
Forum: Investing - Help with Personal Investments
Topic: Help with Portfolio please
Replies: 6
Views: 939

Re: Help with Portfolio please

Betablocker, Thanks for the thoughtful and complementary response. I think you and I might have some philosophical differences. At first glance, I 100% agree with you: 3 of 4 four funds in my IRA seem very risky. When taken as a whole, on the other hand, the portfolio is not that risky. It is a nice...
by CRTR
Tue Oct 10, 2017 11:59 am
Forum: Investing - Help with Personal Investments
Topic: Help with Portfolio please
Replies: 6
Views: 939

Re: Help with Portfolio please

Thanks very much for the response and your thoughts. Initially, I didn't think buying 15 jumbo CDs was that much work. I'd only have to roll over 2 per year thereafter. Having said that, funny you should say that about the Total Bond Fund. I'm about ready to throw in the towel and go with it. All th...
by CRTR
Tue Oct 10, 2017 11:12 am
Forum: Investing - Help with Personal Investments
Topic: Help with First Passively managed portfolio
Replies: 2
Views: 285

Re: Help with First Passively managed portfolio

Welcome to modern medicine! I'm a fellow Doc but on the other side of my employment history: just about to retire. I'm going to side with the "push back" people and recommend a lower allocation to bonds . . . and here is why: I believe there are two aspects to choosing portfolio risk: a person's ris...
by CRTR
Tue Oct 10, 2017 2:03 am
Forum: Investing - Help with Personal Investments
Topic: Help with Portfolio please
Replies: 6
Views: 939

Help with Portfolio please

Hi, I'm relatively new to the forum and have even posted a couple things, for fun. Now, I've come for some help/advice. . . . I'm 50 years old and have been slogging away as an anesthesiologist for the past 22. Early on (~1997-8), I received some investing advice from a long time friend who used to ...
by CRTR
Tue Oct 10, 2017 1:22 am
Forum: Investing - Help with Personal Investments
Topic: Bond help. 33 year old
Replies: 10
Views: 1522

Re: Bond help. 33 year old

Hmmmmmm . . . . I've been wrestling with a similar question lately as well. Here are a couple of thoughts . . . . 1. Was wondering why, given your age and 30 year timeline why you feel the need to add bonds to your portfolio? 2. Assuming that you subscribe to the conventional wisdom that bonds act a...
by CRTR
Thu Oct 05, 2017 8:53 am
Forum: Investing - Help with Personal Investments
Topic: TLTD - Int'l Developed Small/Value Tilt Fund
Replies: 9
Views: 902

Re: TLTD - Int'l Developed Small/Value Tilt Fund

here are my thoughts/issues, which mirror many of the above: 1. small trading volume and, therefore, pretty large bid/ask spreads, which will cost you when you trade. 2. seems to me to be more all cap than small cap 2. if you're interested in a Developed Market small cap, value tilted portfolio, DLS...
by CRTR
Thu Oct 05, 2017 8:31 am
Forum: Investing - Help with Personal Investments
Topic: Urge Vanguard to support better two-factor authentication
Replies: 5
Views: 2030

Re: Urge Vanguard to support better two-factor authentication

Spot on post! Could not agree more. Going to email my Vanguard rep today and request the same. Recently, Forbes ran an article, illustrating phone system vulnerability . . . in case there are any doubters. Here's the link for anyone interested . . . . https://www.forbes.com/sites/thomasbrewster/2017...
by CRTR
Thu Oct 05, 2017 12:29 am
Forum: Investing - Help with Personal Investments
Topic: Pension Now (Age 36) or Later (Age 65)?
Replies: 45
Views: 4174

Re: Pension Now (Age 36) or Later (Age 65)?

Arthur Andersen used to be a Big Five accounting firm with a pension plan as well. The failure of Arthur Andersen had zero to do with the management of their pension plan. What is your point? Is this more clear? A federal appeals court has overturned a $5 million judgment that ordered the insurer o...
by CRTR
Wed Oct 04, 2017 11:47 pm
Forum: Investing - Help with Personal Investments
Topic: Comments on my DFA/IFA-100 portfolio clone
Replies: 6
Views: 1064

Re: Comments on my DFA/IFA-100 portfolio clone

So this is a 100% equity portfolio and at least for 2017 YTD has trailed a total market weight benchmark performance by about 4%, right? One might call this a huge tracking error. I guess I wouldn't want a small-cap and value-tilted portfolio unless it does at least as well as a total market weight...
by CRTR
Wed Oct 04, 2017 11:20 pm
Forum: Investing - Help with Personal Investments
Topic: Comments on my DFA/IFA-100 portfolio clone
Replies: 6
Views: 1064

Comments on my DFA/IFA-100 portfolio clone

I posted this under another topic. Got a PM recommending that I start a new topic with it . . . so here it is . . . Well, I was off work today and bored . . . . . So, I decided to give a go at duplicating a well-known DFA based portfolio using VANGUARD and other available ETFs. I attempted to match ...
by CRTR
Wed Oct 04, 2017 1:07 pm
Forum: Investing - Theory, News & General
Topic: "Vanguard Funds vs. Dimensional Funds in New IFA Index Portfolios" -- What's The Deal?
Replies: 56
Views: 8638

Re: "Vanguard Funds vs. Dimensional Funds in New IFA Index Portfolios" -- What's The Deal?

Well, I was off work today and bored . . . . . So, I decided to give it a go at duplicating a well-known DFA based portfolio using VANGUARD and other available ETFs. I attempted to match each component of the old IFA 100/DFA portfolio using ETFs with similar Morningstar portfolio analytics and 10 ye...
by CRTR
Tue Jun 27, 2017 10:42 am
Forum: Investing - Help with Personal Investments
Topic: VWINX a 1-Stop Shop? [Vanguard Wellesley]
Replies: 51
Views: 12842

Re: VWINX a 1-Stop Shop? [Vanguard Wellesley]

Wellesley is an EXCELLENT choice for the 1-stop shopper retiree and here is why . . . . 1. Per Morningstar data, the fund has had a negative return in only 6 calendar years since 1971. ('73, -3.3%; '74, -6.4; '87, -2; '94, -4.5; '08, -9.8). This type of performance mitigates -- in fact, eliminates -...
by CRTR
Mon May 29, 2017 6:16 pm
Forum: Investing - Theory, News & General
Topic: Investing at Level 3 [any book reviews?]
Replies: 16
Views: 7976

Re: Investing at Level 3 [any book reviews?]

I finished reading the book and overall I enjoyed it until I started to probe at his numbers and analysis. I was very curious on the author's defensive strategy for retirement where you have a portion of your portfolio in a conservative investment (20%) and the rests in stocks (80%). The author poi...
by CRTR
Sun Nov 13, 2016 8:07 pm
Forum: Investing - Help with Personal Investments
Topic: Several options Listed for my Vanguard Taxable Investing
Replies: 11
Views: 2602

Re: Several options Listed for my Vanguard Taxable Investing

What did you end up doing? I am in a similar situation. Maxing out Simple IRA and Roth, both at Vanguard, with a 90/10 Target date fund (I'm 30). I am able to put an additional 15k per year into a taxable and $3500 per year into an HSA, but am feeling a bit overwhelmed with the different tax strate...
by CRTR
Sun Oct 30, 2016 6:34 pm
Forum: Investing - Theory, News & General
Topic: Investing at Level 3 [any book reviews?]
Replies: 16
Views: 7976

Re: Investing at Level 3 [any book reviews?]

So, I've received a couple of PM's and questions. Here are my responses: 1. specific "Safe Investments" or "defensive strategy" - he doesn't make exact, specific recommendations here but does offer guidelines and examples. The bottom line is the "safe investments" should highly liquid in one year di...
by CRTR
Sun Oct 30, 2016 12:10 am
Forum: Investing - Theory, News & General
Topic: Investing at Level 3 [any book reviews?]
Replies: 16
Views: 7976

Re: Investing at Level 3 [any book reviews?]

OK, so I bought it and read it. Here are my thoughts . . . . . In summary, it is brief treatise for retirement saving and spending. His is a "contrarian" approach in that he criticizes many of the most common and basic practices. Following are the meat and potatoes of his approach: 1. Market volatil...
by CRTR
Wed Aug 24, 2016 12:34 am
Forum: Investing - Help with Personal Investments
Topic: Best Place for my Solo 401k
Replies: 15
Views: 2849

Re: Best Place for my Solo 401k

TD Ameritrade!!! Ugh! Anybody interested in my TD Ameritrade experience?! So, after A LOT or research, I ent with TD Ameritrade for my new Solo 401k. I chose TDA because they have a large slate of Vanguard and Ishare ETFs in their commision free lineup. They allow a ROTH. They allow loans. They all...
by CRTR
Wed May 25, 2016 9:09 pm
Forum: Investing - Help with Personal Investments
Topic: Best Place for my Solo 401k
Replies: 15
Views: 2849

Re: Best Place for my Solo 401k

TD Ameritrade!!! Ugh! Anybody interested in my TD Ameritrade experience?! So, after A LOT or research, I ent with TD Ameritrade for my new Solo 401k. I chose TDA because they have a large slate of Vanguard and Ishare ETFs in their commision free lineup. They allow a ROTH. They allow loans. They allo...