Search found 255 matches

by Nearly A Moose
Thu Jul 07, 2016 10:17 am
Forum: Investing - Help with Personal Investments
Topic: Bond Funds - worth it?
Replies: 33
Views: 3181

Re: Bond Funds - worth it?

Less perfect comparisons can be made between bond funds, and some investors do fail to consider asymmetric credit risk, call risk, and other risks as well as how different funds interact with the rest of the portfolio. In this way, knowing a little and assuming too much can be costly. What you and ...
by Nearly A Moose
Wed Jul 06, 2016 4:09 pm
Forum: Investing - Help with Personal Investments
Topic: Savings Review and a Few Questions
Replies: 13
Views: 1132

Re: Savings Review and a Few Questions

Unsolicited advice that you didn't ask for, so feel free to disregard: how badly do you want a luxury car? Been there, done that (and seen my parents do that), and I'd have to have a ton of discretionary income to ever want to do that again. And I basically memorized each year's new car edition of M...
by Nearly A Moose
Wed Jul 06, 2016 4:00 pm
Forum: Investing - Help with Personal Investments
Topic: Bond Funds - worth it?
Replies: 33
Views: 3181

Re: Bond Funds - worth it?

I'm genuinely curious: for those who compare the current yield on different duration bond funds to the G fund or to other fixed income options like CDs, is this simply market timing / performance chasing for bonds? Asking in a serious way. You never hear folks here say "REITs are getting better...
by Nearly A Moose
Wed Jul 06, 2016 8:10 am
Forum: Personal Finance (Not Investing)
Topic: Townhouse VS Stand Alone House ?
Replies: 8
Views: 916

Re: Townhouse VS Stand Alone House ?

Townhouses or rowhouses are just fine. I live in one, and it's not my first. Even in my hundred year old house, I hardly ever hear neighbors. You can always do some looking into how active the HOA is and how tight knit the neighbors seem to be. Also, make sure you eyeball the adjoining townhouses wh...
by Nearly A Moose
Fri Jul 01, 2016 12:33 pm
Forum: Personal Finance (Not Investing)
Topic: Need help with a large bonus
Replies: 25
Views: 3001

Re: Need help with a large bonus

Take the money Don't try to be too cute with it Hold your nose and pay the taxes Enjoyed your 200-300k that is yours outright, that will never be taxed again (for you at least) This is a lot of money, but not so much than it's worth creating a side-job of hustles to get a little extra tax sheltering...
by Nearly A Moose
Fri Jul 01, 2016 12:25 pm
Forum: Personal Finance (Not Investing)
Topic: Applied for Internal Position - Wasn't Interviewed
Replies: 33
Views: 3454

Re: Applied for Internal Position - Wasn't Interviewed

Not sure why I want to wade into this feisty of a thread, but here goes: OP - it seems like you're looking for actionable advice going forward. I would suggest this: 1. Always keep a current resume. Depending on what you do, updating it quarterly might even make sense. 2. If you want to know whether...
by Nearly A Moose
Fri Jul 01, 2016 9:02 am
Forum: Personal Consumer Issues
Topic: "Logging into your Vanguard account is now one touch away."
Replies: 17
Views: 2874

Re: "Logging into your Vanguard account is now one touch away."

Despite updating I can't see it under settings, to turn it on ? Log in with your password and see if it asks if you'd like to turn it on. It doesn't, isn't under settings near Save Username either... I'll give it a few days, perhaps there is another update? Try manually checking for another update....
by Nearly A Moose
Fri Jul 01, 2016 8:51 am
Forum: Investing - Help with Personal Investments
Topic: Please show me why three fund is better than this...
Replies: 44
Views: 3476

Re: Please show me why three fund is better than this...

Perhaps you've already considered this, but have you played with the start dates? Back testing is very sensitive to the initial conditions at the start of the scenario. If you haven't already, you may want to run some Monte Carlo simulations to see the possible spread of outcomes. I think Portfolio ...
by Nearly A Moose
Thu Jun 30, 2016 2:49 pm
Forum: Personal Consumer Issues
Topic: "Logging into your Vanguard account is now one touch away."
Replies: 17
Views: 2874

Re: "Logging into your Vanguard account is now one touch away."

Despite updating I can't see it under settings, to turn it on ? Log in with your password and see if it asks if you'd like to turn it on. It doesn't, isn't under settings near Save Username either... I'll give it a few days, perhaps there is another update? Try manually checking for another update....
by Nearly A Moose
Fri Jun 24, 2016 11:39 pm
Forum: Investing - Help with Personal Investments
Topic: Any reason I can't TLH recent Intl purchase?
Replies: 3
Views: 542

Re: Any reason I can't TLH recent Intl purchase?

livesoft wrote:There is no problem tax-loss harvesting shares recently purchased. This is completely documented with screen captures in this thread:
Tax-loss harvesting documented.


Excellent, thanks, I was hoping you'd show up :D
by Nearly A Moose
Fri Jun 24, 2016 8:16 am
Forum: Investing - Help with Personal Investments
Topic: Any reason I can't TLH recent Intl purchase?
Replies: 3
Views: 542

Any reason I can't TLH recent Intl purchase?

Hey gang - I recently took over my portfolio and did a full reallocation, including purchasing and International index fund for the first time (in a taxable account). The international fund purchase cleared a couple weeks ago. I realized some short and long term gains when reallocating things. TLH i...
by Nearly A Moose
Fri Jun 24, 2016 8:03 am
Forum: Investing - Help with Personal Investments
Topic: Housing/mortgages the boglehead way
Replies: 20
Views: 1944

Re: Housing/mortgages the boglehead way

This isn't really an answer, but a few things to think about. First, someone is going to ask you for more details about the potential new house/mortgage, such as whether you mean it would be 25% of your income to pay the new mortgage until you sell your old house, after which you'll put those procee...
by Nearly A Moose
Thu Jun 23, 2016 11:57 am
Forum: Investing - Help with Personal Investments
Topic: Laws regarding trustee for relative's estate
Replies: 36
Views: 1877

Re: Laws regarding trustee for relative's estate

Allow me to add what others seem to be getting at indirectly: being a trustee can be a very challenging experience, especially when you have multiple trusts for different people, a lot of money is involved, the individual is being cagey and holding information close, and there seems to be the potent...
by Nearly A Moose
Thu Jun 23, 2016 11:45 am
Forum: Investing - Help with Personal Investments
Topic: Help me figure out whether my mother's FA knows what they're doing
Replies: 38
Views: 3098

Re: Help me figure out whether my mother's FA knows what they're doing

I don't have the depth of experience that some of the folks who have already responded have, but if you go forward with a meeting, you should make sure you understand what the FA's investment strategy is, whether he/she is following a specific methodology, etc. For example, you should figure out how...
by Nearly A Moose
Thu Jun 16, 2016 9:32 am
Forum: Investing - Help with Personal Investments
Topic: 31 y/o help with investing an inheritance
Replies: 24
Views: 2603

Re: 31 y/o help with investing an inheritance

OP, you mention college savings for potential children. At some point you'll want to look into 529 plans and how/whether Texas offers any income tax breaks for contributions. Even if TX doesn't, you may be in a position to make an accelerated one-time lump sum contribution to a 529 plan (possibly no...
by Nearly A Moose
Wed Jun 15, 2016 8:03 pm
Forum: Investing - Help with Personal Investments
Topic: How to access bond holdings during an emergency?
Replies: 16
Views: 1036

Re: How to access bond holdings during an emergency?

I'm assuming you have stocks in a taxable account and bonds in a retirement account. Say you need $5000. Exchange $5000 worth of bonds into stocks within the retirement account. Sell $5000 worth of stocks from the taxable account to raise cash. Yes, I think I left out that I'd have a taxable accoun...
by Nearly A Moose
Wed Jun 15, 2016 11:29 am
Forum: Investing - Help with Personal Investments
Topic: How to handle MSFT buyout of LNKD
Replies: 20
Views: 2597

Re: How to handle MSFT buyout of LNKD

OP - You might ask yourself how much more you stand to gain by waiting it out until the deal actually closes versus how much you stand to "lose" if the deal falls apart ("lose" in quotes because you don't actually have anything but a digital piece of paper right now...). Then I'd...
by Nearly A Moose
Wed Jun 15, 2016 11:16 am
Forum: Investing - Help with Personal Investments
Topic: How to access bond holdings during an emergency?
Replies: 16
Views: 1036

How to access bond holdings during an emergency?

There's a lively and very enlightening conversation going on about the pros/cons of holding at least some modest percentage of bonds for a young investor in this thread over here: https://www.bogleheads.org/forum/viewtopic.php?f=1&t=192941. I'm starting a new thread with a related question as I ...
by Nearly A Moose
Tue Jun 07, 2016 12:38 pm
Forum: Investing - Help with Personal Investments
Topic: Portfolio advice for 30 year old w/ family, early retiree?? Thanks in advance!
Replies: 36
Views: 5414

Re: Portfolio advice for 30 year old w/ family, early retiree?? Thanks in advance!

Seriously, dont take this the wrong way - but kids are EXPENSIVE. If you think diapers are a lot of money you haven't seen anything yet. Wait till they are school age. By the time my kids are 6 I will have spent almost $20k just on preschool and full day kindergarten (and trust me, once you hear th...
by Nearly A Moose
Tue Jun 07, 2016 12:27 pm
Forum: Investing - Help with Personal Investments
Topic: Total Bond vs Intermediate Treasuries?
Replies: 22
Views: 2648

Re: Total Bond vs Intermediate Treasuries?

Is the idea here that your TSP fraction is too small to hold all your fixed income as G fund? Or is it that you want to keep some dry powder in taxable for some other reason...to reduce the impact of punting on tax-adjusting your allocation, or because you want a safe-ish kitty in taxable for a big...
by Nearly A Moose
Tue Jun 07, 2016 11:23 am
Forum: Investing - Help with Personal Investments
Topic: Total Bond vs Intermediate Treasuries?
Replies: 22
Views: 2648

Re: Total Bond vs Intermediate Treasuries?

Thanks, BigJohn and Lost Dog! I'll look into the intermediate bond fund. That mix sounds appealing to me.
by Nearly A Moose
Tue Jun 07, 2016 10:24 am
Forum: Investing - Help with Personal Investments
Topic: Total Bond vs Intermediate Treasuries?
Replies: 22
Views: 2648

Re: Total Bond vs Intermediate Treasuries?

Replying to my own post since I remembered there's a search bar :oops:

Looks like there's been a lot of discussion, such as this one: viewtopic.php?t=170854

Would still appreciate any additional thoughts, but it looks like it's a matter of preference...
by Nearly A Moose
Tue Jun 07, 2016 9:50 am
Forum: Investing - Help with Personal Investments
Topic: Total Bond vs Intermediate Treasuries?
Replies: 22
Views: 2648

Total Bond vs Intermediate Treasuries?

Could a few of the fixed income experts help me understand the trade offs between a total bond fund and an intermediate treasuries fund? (Think Vanguard Total Bond (VBTLX) and Vanguard Intermediate Term Treasuries (VFITX), ignore admiral versus regular). Based on some back testing (with the caveat t...
by Nearly A Moose
Fri Jun 03, 2016 8:18 pm
Forum: Investing - Help with Personal Investments
Topic: Should I try to pay off mortgage aggressively?
Replies: 25
Views: 3608

Re: SHould I try to pay off mortgage aggressively?

I would not pay it off. This house is a leveraged asset. Paying down the principle doesn't help that much. Take the arbitrage offered by the market. And, remember, when comparing interest rates and the potential investment return, you're probably deducting your interest payments from your gross inco...
by Nearly A Moose
Fri Jun 03, 2016 1:34 pm
Forum: Investing - Help with Personal Investments
Topic: Xirr [how to calc for multiple accounts]
Replies: 13
Views: 655

Re: Xirr [how to calc for multiple accounts]

I'd also be interested in people's thoughts on this. I currently use Mint and Personal Capital to track my finances, but they don't give me IRR as best I can tell. (Personal Capital is nice enough to tell me my one-day gain/loss - nice of them to dangle that piece of useless information in my face e...
by Nearly A Moose
Fri Jun 03, 2016 10:35 am
Forum: Investing - Help with Personal Investments
Topic: Which 529 plan are you using?
Replies: 61
Views: 6645

Re: Which 529 plan are you using?

DC for the in-"state" tax break. DC income taxes aren't pleasant. The ER on the S&P index is around 0.46, so it's tolerable. I'll likely roll this to a better fund, either if I move out of "state" or once the holding period has elapsed. Edit: I contribute up to the max for th...
by Nearly A Moose
Fri May 27, 2016 1:51 pm
Forum: Investing - Help with Personal Investments
Topic: Do You Consider Taxes When Evaluating Asset Allocation?
Replies: 14
Views: 779

Re: Do You Consider Taxes When Evaluating Asset Allocation?

Thanks, all. Dbr, missed the link at first, so thanks for clarifying. I'll take a look at the wiki article (which I also somehow missed) as well as that paper. Based on what folks have said, I'm leaning toward not worrying about it for now, as it seems I'll get "close enough" to my desired...
by Nearly A Moose
Fri May 27, 2016 12:03 pm
Forum: Investing - Help with Personal Investments
Topic: Do You Consider Taxes When Evaluating Asset Allocation?
Replies: 14
Views: 779

Re: Do You Consider Taxes When Evaluating Asset Allocation?

Okay, with a closer look, that's a very interesting discussion (in the link) and one I'll follow, but what I think I'm really asking is, if I wanted a simple 80/20 stock/bond split, and some of that goes in a 401(k) and the rest in taxable, do I need to discount the 401(k) value by my anticipated fu...
by Nearly A Moose
Fri May 27, 2016 11:56 am
Forum: Investing - Help with Personal Investments
Topic: Do You Consider Taxes When Evaluating Asset Allocation?
Replies: 14
Views: 779

Re: Do You Consider Taxes When Evaluating Asset Allocation?

dbr wrote:https://www.bogleheads.org/forum/viewtopic.php?f=10&t=192152


Thanks. Was this from this morning?? How did I miss this?? :oops:
by Nearly A Moose
Fri May 27, 2016 11:51 am
Forum: Investing - Help with Personal Investments
Topic: Do You Consider Taxes When Evaluating Asset Allocation?
Replies: 14
Views: 779

Do You Consider Taxes When Evaluating Asset Allocation?

I'm curious, do folks tend to consider future taxes on tax deferred accounts when evaluating their asset allocations? For example, if you think you'll pay 30% taxes on your withdrawals from a 401(k) in retirement, do you discount your holdings in the 401(k) by 30% when looking at your asset allocati...
by Nearly A Moose
Thu May 26, 2016 10:16 am
Forum: Investing - Help with Personal Investments
Topic: Options after 401k? AND What's the value of tax deferment?
Replies: 11
Views: 1188

Re: Options after 401k? AND What's the value of tax deferment?

Just ran this in Excel. I did three similar calculations starting with $1 today. ... The final values: A. Taxable account: ranges from $4.60 (at final capgain tax rate of 21%) to $5.37 (at final capgain tax rate of 0%). B. Roth: $6.04 C. Traditional tax-deferred ranges from $6.04 (at 40% tax rate o...
by Nearly A Moose
Wed May 25, 2016 8:06 pm
Forum: Investing - Help with Personal Investments
Topic: Need Moral Support for FA Breakup!
Replies: 68
Views: 5577

Re: Need Moral Support for FA Breakup!

Another update, for those who aren't sick of hearing from me. There was further email back and forth, which generated a considerable amount of heartache and indigestion on my part :annoyed , but it's finally done! That account is mine, the link is severed, only I can trade in it, his last pro-rated ...
by Nearly A Moose
Tue May 24, 2016 8:06 pm
Forum: Investing - Help with Personal Investments
Topic: Need Moral Support for FA Breakup!
Replies: 68
Views: 5577

Re: Need Moral Support for FA Breakup!

Given all the good input everyone has provided, I thought I should share a follow up. I had the call with my FA today. I lost control of the conversation and, 90 minutes later, was out of energy to end things. :oops: But, after more deliberation tonight and reviewing this thread again, I decided to ...
by Nearly A Moose
Tue May 24, 2016 9:26 am
Forum: Investing - Help with Personal Investments
Topic: Need Moral Support for FA Breakup!
Replies: 68
Views: 5577

Re: Need Moral Support for FA Breakup!

To quote the OP: And, because of the way the model is set up, it’s virtually impossible for me to backtest it. " I've done that through portfolio visualizer (I'm just more familiar with it), but the issue is it's an actively managed portfolio. It held an entirely different set of funds a coupl...
by Nearly A Moose
Mon May 23, 2016 8:04 pm
Forum: Investing - Help with Personal Investments
Topic: Need Moral Support for FA Breakup!
Replies: 68
Views: 5577

Re: Need Moral Support for FA Breakup!

Too many good reminders in here to respond to each, so a collective "thank you" to everyone! Just needed a little encouragement and reinforcement to help me stick to my guns. Wish me luck tomorrow. And, to whoever asked why those numbers don't add up to 100%, yes, he manages the taxable pa...
by Nearly A Moose
Mon May 23, 2016 2:56 pm
Forum: Investing - Help with Personal Investments
Topic: Need Moral Support for FA Breakup!
Replies: 68
Views: 5577

Re: Need Moral Support for FA Breakup!

After you complete your transition from FA to low cost funds start doing your homework on the estate management requirements so you can decide whether this too should be transitioned when the time has come. Yeah, that's a good point, but hopefully a long ways off (parents both alive and well). Once...
by Nearly A Moose
Mon May 23, 2016 2:29 pm
Forum: Investing - Help with Personal Investments
Topic: Need Moral Support for FA Breakup!
Replies: 68
Views: 5577

Re: Need Moral Support for FA Breakup!

Taylor Larimore wrote:

I'll do it for you (figures rounded)



Thanks, Taylor (and everyone else)! Now I'm really confused as to what his angle will be. Off the cuff, this doesn't strike me as though it's blowing away the market, but I'd need to get weight everything properly.
by Nearly A Moose
Mon May 23, 2016 1:28 pm
Forum: Investing - Help with Personal Investments
Topic: Need Moral Support for FA Breakup!
Replies: 68
Views: 5577

Need Moral Support for FA Breakup!

Dear Bogleheads – I need some moral support! I’ve long had a financial advisor who has managed the taxable part of my investments. I’ve decided I want to move to a BH-style portfolio, but I also felt it was only fair to tell my FA what I was planning and “get his perspective” on it. (The reason: He’...
by Nearly A Moose
Thu May 19, 2016 7:42 pm
Forum: Investing - Help with Personal Investments
Topic: Special Considerations for High Net Worth? Advisor?
Replies: 40
Views: 3221

Re: Special Considerations for High Net Worth? Advisor?

The answers in this thread are invaluable, it is in my opinion what makes this site so outstanding. Yes, exactly, thanks everyone. To be honest, I had expected someone to come up with some sort of special consideration, tax exempt muni bonds, or something to that effect. But, really, the only thing...
by Nearly A Moose
Thu May 19, 2016 4:38 pm
Forum: Investing - Help with Personal Investments
Topic: Special Considerations for High Net Worth? Advisor?
Replies: 40
Views: 3221

Re: Special Considerations for High Net Worth? Advisor?

I'm curious what kind of profession would fit the original description provided. Probably should have stuck with low-8, not mid-8 (I guess 60M is mid-8, and that is not attainable), but tomAto-tomaato. IF you can avoid living like an idiot, and invest early and often, and be in the professional ser...
by Nearly A Moose
Thu May 19, 2016 2:03 pm
Forum: Investing - Help with Personal Investments
Topic: Special Considerations for High Net Worth? Advisor?
Replies: 40
Views: 3221

Re: Special Considerations for High Net Worth? Advisor?

Sure, you could be snookered into things like whole life insurance, non-traded REITs, alternative special investments, time shares, etc., but none of these are necessary nor desirable. Yeah, so I may need to talk some folks about a 6 year-old Whole Life policy :oops: . Not now, though, too painful....
by Nearly A Moose
Thu May 19, 2016 12:37 pm
Forum: Investing - Help with Personal Investments
Topic: Special Considerations for High Net Worth? Advisor?
Replies: 40
Views: 3221

Re: Special Considerations for High Net Worth? Advisor?

One thing my financial advisor has repeatedly said is that he understands the special considerations for high net worth individuals. ...bet that makes you feel special, doesn't it? That's why he says it. Yeah, I caught onto that one pretty quickly... Fortunately, my ego is healthy enough without th...
by Nearly A Moose
Thu May 19, 2016 12:27 pm
Forum: Investing - Help with Personal Investments
Topic: Special Considerations for High Net Worth? Advisor?
Replies: 40
Views: 3221

Special Considerations for High Net Worth? Advisor?

Dear Bogleheads - I currently have a financial advisor handling some of my assets (1% AUM fee). This likely will change over the coming year. I'm in an profession where, if things go well, we could be very successful financially (think low-mid 8 figure portfolio). Of course, that very easily might n...
by Nearly A Moose
Thu May 19, 2016 11:59 am
Forum: Investing - Help with Personal Investments
Topic: Is my Financial Advisor worth his salt?
Replies: 56
Views: 4194

Re: Is my Financial Advisor worth his salt?

Depends. What do you want, your goals, tax situation. I followed a BH conventional wisdom in our working lives. Now at 66/69, We have too much in deferred retirement and not enough in taxables. :confused Can you see why? :idea: :annoyed :greedy Did a joke/reference just go sailing over my head, or ...
by Nearly A Moose
Tue May 17, 2016 3:58 pm
Forum: Investing - Help with Personal Investments
Topic: Does this simple TLH strategy make sense?
Replies: 5
Views: 612

Re: Does this simple TLH strategy make sense?

TheGreyingDuke wrote:And as always accompanies these threads, you might want to turn off automatic reinvestment of dividends and capital gains, else you might inadvertently trigger a (small) wash. Some wouldn't care as the amount is likely trivial.


Ah, good point, thanks.
by Nearly A Moose
Tue May 17, 2016 9:12 am
Forum: Investing - Help with Personal Investments
Topic: Does this simple TLH strategy make sense?
Replies: 5
Views: 612

Re: Does this simple TLH strategy make sense?

mhc wrote:If your last line is in regards to avoiding a wash sale between taxable and tax advantaged accounts where you permanently lose the realized loss, then I think you have it correct.


Yes, that's what I was getting at. Thanks!
by Nearly A Moose
Tue May 17, 2016 8:36 am
Forum: Investing - Help with Personal Investments
Topic: Does this simple TLH strategy make sense?
Replies: 5
Views: 612

Does this simple TLH strategy make sense?

Hi all, Is the following a reasonable TLH strategy? I've tried to model this on some of the very good discussions I've found of TLH on this forum. Assume this overall AA: -60% Total US (or an S&P500 index, for the reasons you'll see) -20% Total Int'l -20% Bond Assume we have two accounts (We act...
by Nearly A Moose
Thu May 12, 2016 10:02 am
Forum: Investing - Help with Personal Investments
Topic: Quick G Fund Gut Check
Replies: 8
Views: 1935

Re: Quick G Fund Gut Check

Current G fund yield is 1.75% with a duration of basically one day. Total Bond Market is yielding 2.06% with a duration of 5.7 years. That part seems like an easy decision. Not to be obtuse, but are you saying it's an easy decision in favor of G Fund? Bonds ain't my strong suit. And thanks for the ...
by Nearly A Moose
Thu May 12, 2016 10:00 am
Forum: Investing - Help with Personal Investments
Topic: Quick G Fund Gut Check
Replies: 8
Views: 1935

Re: Quick G Fund Gut Check

Thanks, both of you. TSP is only part of our portfolio, but it's large enough to hold the full bond portion for awhile at least, which is why I asked whether G Fund is a no brainer. Sounds like it's worth working through how G Fund interacts with the rest of the potential portfolio more closely. I'l...
by Nearly A Moose
Wed May 11, 2016 9:46 pm
Forum: Investing - Help with Personal Investments
Topic: Quick G Fund Gut Check
Replies: 8
Views: 1935

Quick G Fund Gut Check

Looking for a quick gut check. I've read a lot of good threads on the merits of the G fund (from the TSP) as well as possible options for blending it with other funds. I'm sketching out a portfolio that will probably have around a 20% bond allocation. So, a couple quick questions: 1. If I'm only at ...

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