Search found 127 matches

by SpartanBull
Tue Dec 27, 2016 9:29 pm
Forum: Investing - Help with Personal Investments
Topic: SEP Ira Question
Replies: 1
Views: 171

SEP Ira Question

Currently setting up a SEP Ira account for my dad. When I get to the establish funding page it offers me to input an amount for 2015, and for 2016. Is he still able to make 2015 contributions? I didnt think of that and assumed it would be far too late?
by SpartanBull
Mon Dec 19, 2016 3:13 pm
Forum: Investing - Theory, News & General
Topic: Concept of Bogleheads needing to "Save more"
Replies: 61
Views: 5168

Re: Concept of Bogleheads needing to "Save more"

... What led me to this question is that sometimes I'll show many commonly stated bogleheads principles to people.... Did they really want you to show them or did you just think they wanted you to show them? I think a lot of people on this site feel their investment style and/or lifestyle are super...
by SpartanBull
Mon Dec 19, 2016 3:01 pm
Forum: Investing - Help with Personal Investments
Topic: SEP IRA v I401k
Replies: 3
Views: 510

SEP IRA v I401k

Hello, My father is about 60 years old and an attorney, and makes a significant portion of his income through his own LLC. That being said, he's looking to set up either a SEP IRA or I401k. I personally use an I401k, with the reason being simply that it allowed more tax deferred space. His income wo...
by SpartanBull
Sun Dec 18, 2016 1:36 pm
Forum: Investing - Theory, News & General
Topic: Concept of Bogleheads needing to "Save more"
Replies: 61
Views: 5168

Re: Concept of Bogleheads needing to "Save more"

Several replies said something along the lines of "Its not the best/maximum return, its the average return." As an index investor myself I understand the subtle point there trying to make, but disagree with the statement in this context--because there is not a practical way for most people...
by SpartanBull
Sun Dec 18, 2016 12:01 pm
Forum: Investing - Theory, News & General
Topic: Concept of Bogleheads needing to "Save more"
Replies: 61
Views: 5168

Concept of Bogleheads needing to "Save more"

Hello, Like many other bogleheads, I'm often trying to advise friends and family members to follow this type of investing. That being said, I've noticed something in the commonly stated bogleheads principals and don't fully understand the need for it. To put it simply, why does it constantly need to...
by SpartanBull
Sat Dec 03, 2016 3:42 pm
Forum: Investing - Help with Personal Investments
Topic: Adding IJS to portfolio--Anything to consider first?
Replies: 8
Views: 904

Re: Adding IJS to portfolio--Anything to consider first?

Definitely not chasing performance. As a young in investor in my early-middle twenties, I'm working on setting an allocation that I will commit to and stay the course with. I've come to the conclusion that in addition to the standard 3-fund portfolio, I would like to tilt at least 25% of equities to...
by SpartanBull
Fri Dec 02, 2016 7:06 pm
Forum: Investing - Help with Personal Investments
Topic: Adding IJS to portfolio--Anything to consider first?
Replies: 8
Views: 904

Adding IJS to portfolio--Anything to consider first?

Hello, I'm planning on adding a 25% Equilty Tilt to SCV, and I am planning to do this by adding IJS to my portfolio. My desired allocation (Equity Portion), would be 50% VTSAX- Vanguard Total Stock Market Index Fund Admiral Shares 25% VTIAX- Vanguard Total International Stock Index Fund Admiral Shar...
by SpartanBull
Fri Dec 02, 2016 6:09 pm
Forum: Investing - Theory, News & General
Topic: Adding SCV Tilt...placement and fund choice
Replies: 10
Views: 1026

Adding SCV Tilt...placement and fund choice

If deciding to add a 25% SCV Tilt to ones portfolio, should taxable vs Roth IRA vs I401k be considered? Or should SCV be treated just like VTSAX, in that you can put it anywhere. Additionally, Is there any disadvantage to using a non vanguard fund for this? Also it seems that SCV really only comes i...
by SpartanBull
Fri Dec 02, 2016 2:42 pm
Forum: Investing - Theory, News & General
Topic: What is the advantage of Mutual Funds over ETFS?
Replies: 26
Views: 1563

Re: What is the advantage of Mutual Funds over ETFS?

Livesoft, That is very informational, and nicely provides the differences between the two. However, for some reason I'm still not seeing the argument for mutual funds over ETFS. I've gathered that -ETFS are apparently slightly more tax efficient, even though neither are bad in this regard -ETFS Allo...
by SpartanBull
Fri Dec 02, 2016 2:35 pm
Forum: Investing - Theory, News & General
Topic: What is the advantage of Mutual Funds over ETFS?
Replies: 26
Views: 1563

What is the advantage of Mutual Funds over ETFS?

Hello, I don't fully understand the ETF vs Mutual Fund argument. Personally, I only have mutual funds. I've seen discussions where people say they don't need what ETFS provide because they don't need to do things like trade mid-day, etc etc. I think I understand what some of the advantages of ETFS i...
by SpartanBull
Mon Nov 28, 2016 4:08 pm
Forum: Investing - Theory, News & General
Topic: What is a "standard" Small Cap tilt portfolio
Replies: 46
Views: 5194

What is a "standard" Small Cap tilt portfolio

Hello, I've been looking into Small Cap/Small Cap Value tilting lately. I'm aware that there are a couple of distinct camps among bogleheads. There is the 3-fund portfolio group, who essentially believe that total stock market/total international has plenty of risk/return for them, and they're comfo...
by SpartanBull
Fri Nov 25, 2016 4:50 pm
Forum: Investing - Help with Personal Investments
Topic: I401k Whether to go Roth or not
Replies: 48
Views: 3113

Re: I401k Whether to go Roth or not

Interesting that traditional is the better default approach, I didn't know that. Also, I would certainly assume that the tax rate is higher during times of contribution is higher than during times of Withdrawal. Why would one be withdrawing if they were still earning good money? I would think if peo...
by SpartanBull
Fri Nov 25, 2016 4:32 pm
Forum: Investing - Help with Personal Investments
Topic: I401k Whether to go Roth or not
Replies: 48
Views: 3113

I401k Whether to go Roth or not

Hello, So an I401k allows a maximum of 53k in space. 18k max employee portion, and then for the employer portion you can do 25% of income. For the 18k portion, once can choose to go for a ROTH, paying tax on the income and then benefitting from the tax free gains, or not go with ROTH and benefit fro...
by SpartanBull
Fri Nov 25, 2016 4:15 pm
Forum: Investing - Help with Personal Investments
Topic: Investing advice for couple (late start to investing)
Replies: 2
Views: 590

Investing advice for couple (late start to investing)

Hello, I'm looking for some advice for a couple of aged 60 (Husband/200k income roughly) and 58(Wife, part time work, low income probably around 15-20k or something). Long story short I really don't think these too have any type of retirement portfolio going unfortunately. There are a variety of rea...
by SpartanBull
Tue Nov 22, 2016 2:10 am
Forum: Investing - Help with Personal Investments
Topic: A nice little windfall
Replies: 24
Views: 3982

Re: A nice little windfall

Great post by Raven--I second that completely. And I'll add that if going this route, they could both max out Roth IRA's for $11,000 if I'm not mistaken. That leaves $9.000 left over. Frankly, They could max both IRA's at the end of 2016 with 11k, and then they could put another 9k in early on in 20...
by SpartanBull
Sun Nov 20, 2016 12:50 pm
Forum: Investing - Theory, News & General
Topic: Choosing a bond fund based on personal income, salary.
Replies: 5
Views: 829

Choosing a bond fund based on personal income, salary.

Hello, This question relates to choosing a bond fund for your taxable account. I've read a couple of times where people have said if you have a higher income/higher tax bracket, then you want a tax exempt bond fun, municipal bond fund, etc. However if your personal income/tax bracket is not at a cer...
by SpartanBull
Sat Nov 19, 2016 12:22 pm
Forum: Investing - Help with Personal Investments
Topic: Is this an "OK" Strategy tax-wise (Mainly about intended placement of bonds)
Replies: 3
Views: 519

Re: Is this an "OK" Strategy tax-wise (Mainly about intended placement of bonds)

I will add that the main purpose of all my international being in taxable is nothing more than a simplicity thing. As markets swing, values change, I don't object to some international going into the Tax-Deffered accounts with future contributions. However thats also not the main point of the thread...
by SpartanBull
Sat Nov 19, 2016 12:20 pm
Forum: Investing - Help with Personal Investments
Topic: Is this an "OK" Strategy tax-wise (Mainly about intended placement of bonds)
Replies: 3
Views: 519

Is this an "OK" Strategy tax-wise (Mainly about intended placement of bonds)

Hello, I'm 24 years old in Michigan. Mid-6 figures portfolio. Low 6-figures income. I want to check if this breakdown of assets is "OK". For what its worth, I have a taxable account, a roth IRA, and a SOLO 401k Since I have an LLC with no common-law employees. My 401k space allows 18k empl...
by SpartanBull
Wed Nov 16, 2016 10:53 pm
Forum: Investing - Theory, News & General
Topic: Bond Placement Roth vs Traditional IRA
Replies: 8
Views: 729

Bond Placement Roth vs Traditional IRA

Ok, so I have three tax deferred accounts. Roth IRA ($5500 per year limit) SOLO 401k Employee portion ($18k per year limit--I went with the ROTH option on this) SOLO 401k Employer portion--25% of income, and this is in traditional IRA Format Wouldn't bonds be better placed in the account that is mor...
by SpartanBull
Wed Nov 16, 2016 1:34 am
Forum: Investing - Theory, News & General
Topic: Best way to Track VTIAX day to day?
Replies: 3
Views: 613

Best way to Track VTIAX day to day?

My portfolio primarily consists of VTSAX and VTIAX. While not actionable, I like to keep an eye on the Dow and S and P 500 just to give me a general idea of how things are going. That being said, are there any indexes along these lines that are good to track to get an idea for how VTIAX is going? Th...
by SpartanBull
Tue Nov 15, 2016 1:47 am
Forum: Investing - Theory, News & General
Topic: Glide path for 100% Equity Portfolio
Replies: 17
Views: 2549

Re: Glide path for 100% Equity Portfolio

I'm somewhat in agreement with some of the points suggesting a slight allocation to bonds, whether it be 10%, 20%, etc. Heres my two main issues with that 1) In my 23.5k of available Roth space (5.5 personal plus 18k for solo ira), I feel that investment space to be precious (you only get a limited ...
by SpartanBull
Mon Nov 14, 2016 5:35 pm
Forum: Investing - Theory, News & General
Topic: Glide path for 100% Equity Portfolio
Replies: 17
Views: 2549

Glide path for 100% Equity Portfolio

I have a question regarding the gradual allocation to bond at advanced ages. To provide some background, I'm 24 years old and 100% equities. That being said, I make a high salary and probably 10% of my assets are in highly liquid vehicles (call it a beefy emergency fund, however you want to look at ...
by SpartanBull
Tue Nov 08, 2016 11:53 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 3349
Views: 854185

Re: U.S. stocks in freefall

I'm staying the course as well. That being said, how bad is this going to be for stocks? I cant see them pulling back any less than 10% (although that advice is worth what you paid for it).
by SpartanBull
Sun Nov 06, 2016 3:55 pm
Forum: Investing - Theory, News & General
Topic: Should Retirement Draw Downs Deplete Portfolio
Replies: 11
Views: 1325

Should Retirement Draw Downs Deplete Portfolio

Hello, I regularly read that the traditional "rule of thumb" retirement withdrawal rate is 4%. I've also hear more conservative suggestions such as 3%. Regardless, here is my question. When you'd decided to retire and follow one of these suggestions for withdrawal rate, is your portfolio v...
by SpartanBull
Sat Oct 29, 2016 12:31 am
Forum: Investing - Theory, News & General
Topic: Larry Swedroe's latest market returns forecast
Replies: 380
Views: 31079

Re: Larry Swedroe's latest market returns forecast

Is it fair to take from OP that while nothing is guaranteed, the correct strategy with the information at hand is to tilt to international? (Or at least allocate closer to market weighting which is on a very HIGH end on this forum). It just seems odd to me that most on this forum (including myself) ...
by SpartanBull
Mon Oct 17, 2016 10:47 pm
Forum: Investing - Theory, News & General
Topic: International Equities
Replies: 5
Views: 1088

Re: International Equities

Just wondering (excuse me if there was some big news recently that I Missed) but is there any particular reason you're asking if people increased their international exposure? Just a random question, or is it being asked because something happened recently that is making you ask that? Just curious. ...
by SpartanBull
Sun Oct 16, 2016 8:09 pm
Forum: Investing - Help with Personal Investments
Topic: Tax efficient bond fund for Taxable account
Replies: 4
Views: 805

Tax efficient bond fund for Taxable account

If I wanted to have a bond fund in my taxable account, but am aware of the negative tax implications of doing so, would one of those municipal bond funds, or "tax exempt" bond funds eliminate this problem completely, and make the bond fund every bit as tax efficient as VTSAX, VTIAX, etc? I...
by SpartanBull
Thu Oct 13, 2016 10:56 pm
Forum: Investing - Help with Personal Investments
Topic: Question about Exchanging 100% of one fund for another
Replies: 2
Views: 404

Question about Exchanging 100% of one fund for another

Hi there, To reach my desired allocation, there is one of my accounts (Roth 401k), where I want to sell all of my Total International Shares so that all of the funds in the Roth 401k are in Total Stock Market. My question is how does one sell "All" of the shares, when you have to initiate ...
by SpartanBull
Mon Oct 10, 2016 1:46 pm
Forum: Investing - Help with Personal Investments
Topic: Domestic V international in Roth/Taxable
Replies: 2
Views: 273

Domestic V international in Roth/Taxable

Hello, For all intents and purpose here are the types of accounts I have 1) Taxable account 2) personal Roth IRA 3) Solo 401k (roth portion) The allocation I go with currently is 100% equities, with 2/3 to VTSAX (domestic) and 1/3 to VTIAX (international). If I'm able to choose, is it any better to ...
by SpartanBull
Wed Oct 05, 2016 5:04 pm
Forum: Investing - Help with Personal Investments
Topic: Maximizing tax advantaged space
Replies: 2
Views: 305

Maximizing tax advantaged space

Hello, I am in my Mid-twenties, self employed with my own small business. Awhile back I asked on here about maximizing tax advantaged space. I got some good advice and ending up setting up an I401k in which I'm maxing my I401 roth portion (18k), and then maxing the regular portion (25% of income). I...
by SpartanBull
Mon Oct 03, 2016 12:40 pm
Forum: Investing - Help with Personal Investments
Topic: Trying to make sense of adding bonds
Replies: 47
Views: 5114

Trying to make sense of adding bonds

Hello, I am 24 hours old, and a a very high earner (relative to my age and location), with high savings (again relative to my age and location), and am currently 100% stock. I have recently though that phasing into somewhere between 10%-20% range in bonds may be prudent. This is not in any way an at...
by SpartanBull
Thu Sep 15, 2016 2:22 pm
Forum: Investing - Help with Personal Investments
Topic: I401K Contribution Maximums
Replies: 5
Views: 518

Re: I401K Contribution Maximums

Earl,
I believe Roth is definitely an option per this link from Vanguards site https://investor.vanguard.com/what-we-o ... idual-401k. Unless I'm reading it wrong I think I should be allowed to contribute 18k to Roth portion of the I401k?
by SpartanBull
Thu Sep 15, 2016 12:19 pm
Forum: Investing - Help with Personal Investments
Topic: I401K Contribution Maximums
Replies: 5
Views: 518

I401K Contribution Maximums

Hi there, I'm self employed running a small business (LLC), with zero common law employees--the only people who work for us do sporadic work and are 10-99'ed. I'm getting an account that will allow me to contribute to a Roth 401K, as as well as a regular 401K within the I401K. My questions are about...
by SpartanBull
Mon Sep 12, 2016 6:38 pm
Forum: Investing - Help with Personal Investments
Topic: How much saved at 30 to be "done saving"
Replies: 35
Views: 6762

Re: How much saved at 30 to be "done saving"

Many excellent responses here. FWIW, the "stopping saving after age 30" part is not at all something I would plan on regardless. I love my work. The purpose of the question was more-so to get a concrete idea on savings goals, as up to this point I have mostly viewed it as a nebulous "...
by SpartanBull
Mon Sep 12, 2016 1:19 pm
Forum: Investing - Help with Personal Investments
Topic: How much saved at 30 to be "done saving"
Replies: 35
Views: 6762

Re: How much saved at 30 to be "done saving"

Purely academic. I don't have any plans to stop saving, however the awareness is being used in the sense of making decisions that balance "earning as much as possible" with overall priorities and happiness. I feel that once that "number" is reached that theoretically reduces the ...
by SpartanBull
Mon Sep 12, 2016 1:15 pm
Forum: Investing - Help with Personal Investments
Topic: Self Employed--Use of Tax efficient fund space
Replies: 1
Views: 184

Self Employed--Use of Tax efficient fund space

Hi there, I'm in my mid-twenties and am self employed. I have formed an LLC/Corporation for my business. I have a relatively high savings rate. It takes a very tiny portion of my yearly savings to Max out my Roth IRA with $5,500 every year. After that, I am just left with a substantial taxable 3-fun...
by SpartanBull
Mon Sep 12, 2016 9:15 am
Forum: Investing - Help with Personal Investments
Topic: How much saved at 30 to be "done saving"
Replies: 35
Views: 6762

How much saved at 30 to be "done saving"

Hello, I'm offering out some relatively round numbers here, but bear with me. I will be turning 30 in year 2022. Lets say for the sake of argument, I do not plan on saving another nickel after age 30 (but also don't plan on selling/depleting any of my 3-fund portfolio). All income after that point w...
by SpartanBull
Mon Aug 15, 2016 1:21 pm
Forum: Investing - Help with Personal Investments
Topic: Buying first home an investment/How much house can I buy
Replies: 4
Views: 474

Buying first home an investment/How much house can I buy

Hi there, I'd like to think I fall fairly in line with most Boglehead philosophies. Avid saver, 3 fund Portfolio, etc. All that being said, I'm in the early stages of buying my first house, and I'm trying to determine what price range I can look at. I'm self employed and lets say for the sake of thi...
by SpartanBull
Sat Feb 20, 2016 3:45 am
Forum: Investing - Theory, News & General
Topic: Madoff--Ponzi Scheme
Replies: 37
Views: 4880

Madoff--Ponzi Scheme

Hi there, Pardon the randomness of this post, but some recent "ponzi scheme" stuff in the news led me to the following question, to which I have not been able to find a decent answer. How did Bernie Madoff expect to ultimately get away with what he was doing, as in what was the endgame? I ...
by SpartanBull
Thu Feb 18, 2016 4:12 am
Forum: Investing - Theory, News & General
Topic: Low Returns Ahead for Stocks Argument
Replies: 19
Views: 3129

Low Returns Ahead for Stocks Argument

I keep reading the somewhat agreed upon notion that stocks have very low return ahead (even vanguard has come out and said things like this). If this is true, and the future holds these sub 4% returns for equities, then what is purpose of taking on the amount of risks that you find in equities for v...
by SpartanBull
Sat Feb 13, 2016 11:31 pm
Forum: Investing - Help with Personal Investments
Topic: Question about Vanguard Account Balance
Replies: 1
Views: 390

Question about Vanguard Account Balance

My accounts are all set to automatically reinvest dividends. While on my vanguard, does "Purchases and Withdrawals" Include both money I have added to my account, as well as dividends reinvested? Or just the money I have added without including dividends into the equation?
by SpartanBull
Thu Feb 11, 2016 12:21 am
Forum: Investing - Help with Personal Investments
Topic: Bought a bunch of stocks today
Replies: 46
Views: 6094

Re: Bought a bunch of stocks today

Update--I've done it again. Seeing the Dow below 16,000...Snapped and bought 40k in Stocks...(2/3 vtsax, 1/3 vtiax). I guess its like that saying "when there's blood on the streets, buy property" :sharebeer
by SpartanBull
Sat Jan 30, 2016 2:46 am
Forum: Investing - Help with Personal Investments
Topic: Bonds in Roth not making sense
Replies: 9
Views: 1411

Bonds in Roth not making sense

Hi guys, I'm a 24 year old investor with a 150k, 100% Stock Portfolio. 15k in Roth, 135k in Taxable. Here is my situation 1) My portfolio is 100% Stocks, however I would prefer 90% stocks, 10% bonds 2) I'm concerned about tax efficient bond placement, therefore most responses will tell me to simply ...
by SpartanBull
Mon Jan 25, 2016 11:48 pm
Forum: Investing - Help with Personal Investments
Topic: Bought a bunch of stocks today
Replies: 46
Views: 6094

Re: Bought a bunch of stocks today

Hi guys, Prior to the closing bell today, I added about 50k to my 100% equities to my portfolio, just 2/3 VTSAX and 1/3 VTIAX, simple as that. For whats its worth this was about a 25% addition to my portfolio. I had been DCA'ing before, but seeing how low things have gotten, I couldn't help myself....
by SpartanBull
Mon Jan 25, 2016 11:40 pm
Forum: Investing - Help with Personal Investments
Topic: Bought a bunch of stocks today
Replies: 46
Views: 6094

Re: Bought a bunch of stocks today

Given you are 100% in equities, where did the 50k come from? The short version is that I closed a lucrative deal at work and had a nice influx of cash. Previously, in this event I would have still just made my regular contribution--changing nothing about my routine contributions. However I do suppo...
by SpartanBull
Mon Jan 25, 2016 6:02 pm
Forum: Investing - Help with Personal Investments
Topic: Bought a bunch of stocks today
Replies: 46
Views: 6094

Bought a bunch of stocks today

Hi guys, Prior to the closing bell today, I added about 50k to my 100% equities to my portfolio, just 2/3 VTSAX and 1/3 VTIAX, simple as that. For whats its worth this was about a 25% addition to my portfolio. I had been DCA'ing before, but seeing how low things have gotten, I couldn't help myself. ...
by SpartanBull
Wed Jan 20, 2016 4:30 pm
Forum: Investing - Help with Personal Investments
Topic: 2015 I401K Contribution
Replies: 2
Views: 323

2015 I401K Contribution

Hi there, I own a small business (no common law employees) and decided that I wanted to start an I401k with Fidelity. Preferably I wanted go the Roth 401k option with the 53K max. I was wondering if anyone knows if its still possible to make my 2015 contribution (not too late?). It would be outstand...
by SpartanBull
Tue Jan 19, 2016 7:49 pm
Forum: Investing - Help with Personal Investments
Topic: Portfolio Suggestions--More tax free space, bonds in taxable?
Replies: 7
Views: 722

Re: Portfolio Suggestions--More tax free space, bonds in taxable?

Emergency funds: Yes, One year of living expenses in an interest bearing checking account. Debt: No Debt. Own my car and living at home for a year after college. Student Loans already paid off. Tax Filing Status: (Single) Tax Rate: xx% Federal, xx% State MI (I don't know what my tax rate is :/.) St...
by SpartanBull
Tue Jan 19, 2016 7:46 pm
Forum: Investing - Help with Personal Investments
Topic: Portfolio Suggestions--More tax free space, bonds in taxable?
Replies: 7
Views: 722

Re: Portfolio Suggestions--More tax free space, bonds in taxable?

How about answering the question: do you have employees? I have not heard that individual (solo) 401k's are either difficult or time consuming to set up. I believe they are easy to set up. Many BH folks prefer the Fidelity i401k rather than Vanguard's. Have you studied the Wiki on i401k's? https://...

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