Search found 10610 matches

by MotoTrojan
Sun Apr 16, 2017 11:26 pm
Forum: Personal Investments
Topic: Vanguard HSA for me? Best implementation?
Replies: 7
Views: 1224

Re: Vanguard HSA for me? Best implementation?

Upon further review, I may not have a qualified HDHP. Newest insurance covers a % of costs up to my deductible (which is over the $1300 minimum though) and has a co-pay for some events.

Does this mean I cannot use the funds currently, or cannot contribute at all (no loop holes there)?
by MotoTrojan
Sun Apr 16, 2017 11:22 pm
Forum: Personal Investments
Topic: Vanguard HSA for me? Best implementation?
Replies: 7
Views: 1224

Vanguard HSA for me? Best implementation?

Quick rundown: 25 years old, $105K/yr gross (likely to go up with stock options), currently saving/investing ~$15K/yr, with $5500 going to Roth and the rest going to taxable. Current employer does not offer a 401K. Current AA: 55% VTI (Total US Stock Market ETF) 25% VXUS (Total Int. Market ETF) 20% ...
by MotoTrojan
Sun Apr 16, 2017 10:35 pm
Forum: Investing - Theory, News & General
Topic: Got a RSU What is it [Restricted Stock Unit]
Replies: 12
Views: 1856

Re: Got a RSU What is it [Restricted Stock Unit]

Giveb megacorp analogy I doubt this is applicable, but you should have the right to pay the associated income tax and keep the entire allotment, as its vested. If you don't expect much growth and/or plan to sell as it's vested, this is obviously not a concern. At my previous employer I often paid th...
by MotoTrojan
Sat Apr 15, 2017 2:14 am
Forum: Personal Finance (Not Investing)
Topic: Software to track asset allocation (no tickers)
Replies: 43
Views: 5800

Re: Software to track asset allocation (no tickers)

As someone who has both set up, I like PC better for tracking my net worth, and the Google Spreadsheet better for tracking my asset allocation and knowing when rebalancing is needed. The neat asset allocation chart on PC was great when it was brand new, but when the percentages are out of whack and...
by MotoTrojan
Fri Apr 14, 2017 6:22 pm
Forum: Investing - Theory, News & General
Topic: [Vanguard Is Growing Faster Than Everybody Else Combined]
Replies: 34
Views: 3525

Re: NYT article on Vanguard

Nice article. A good reminder of who brought us to this golden age. In the last three calendar years, investors sank $823 billion into Vanguard funds, the company says. The scale of that inflow becomes clear when it is compared with the rest of the mutual fund industry — more than 4,000 firms in to...
by MotoTrojan
Fri Apr 14, 2017 6:14 pm
Forum: Personal Investments
Topic: How often are capital gains from Vanguard funds reinvested?
Replies: 31
Views: 3377

Re: How often are capital gains from Vanguard funds reinvested?

Wanted to clarify my post a bit better, with examples... Let's say I have $10,000 invested in VTSMX. Tomorrow, I see that the value of VTSMX has gone upto $10,500. Will that $500 get reinvested for additional stocks of VTSMX? I see online that there is an option to automatically reinvest dividends ...
by MotoTrojan
Fri Apr 14, 2017 5:39 pm
Forum: Personal Investments
Topic: How often are capital gains from Vanguard funds reinvested?
Replies: 31
Views: 3377

Re: How often are capital gains from Vanguard funds reinvested?

I am confused about this too. A fund pays dividends several times a year and pays capital gains in November. Then the brokerage gives you a 1099 at the end of the year (and I do understand there is no "profit" until you sell) but you have to pay tax on the dividends and capital gains, right? But if...
by MotoTrojan
Fri Apr 14, 2017 9:39 am
Forum: Personal Finance (Not Investing)
Topic: Software to track asset allocation (no tickers)
Replies: 43
Views: 5800

Re: Software to track asset allocation (no tickers)

randomizer wrote:I use Google Docs
Google Sheets (Excel). I manually enter prices, keep shares updated, and even how much cash in-flow; spits out how many shares of each to buy. Setting up a personalized sheet is both fun and valuable.
by MotoTrojan
Fri Apr 14, 2017 12:35 am
Forum: Investing - Theory, News & General
Topic: Jack says be realistic
Replies: 48
Views: 7660

Re: Jack says be realistic

I'll worry when I see Jack put his money where his mouth is and starts shorting the market. Last I checked, you won't make much money by shorting a market that is growing at 4% :). Big difference between saying the crash is coming next week, or next year, and him saying that current valuations indi...
by MotoTrojan
Thu Apr 13, 2017 5:49 pm
Forum: Personal Investments
Topic: What to do with 75k vacation fund
Replies: 10
Views: 1614

Re: What to do with 75k vacation fund

All good advice. Mutual funds may be easier, but nothing wrong with ETFs. Reiterating that VTI may be too volatile for money you plan to spend in the next 1-7 years, especially with current high valuations. Going with a 30/70 or 50/50 VTI/Bond fund, with the next 1-2 years of vacations in 1% Savings...
by MotoTrojan
Wed Apr 12, 2017 8:15 pm
Forum: Personal Investments
Topic: ~20 year long investing
Replies: 17
Views: 1935

Re: ~20 year long investing

You are going to get a lot of advice to go with a traditional three fund Boglehead portfolio. I think you can take more risk, and you have a desire to do so. But you will need to stay the course...write an IPS and then commit to it. PXSV is a bit pricey for me (I use IJS instead), but it will give ...
by MotoTrojan
Wed Apr 12, 2017 1:22 pm
Forum: Personal Investments
Topic: Handling the Details of a Large Inheritance
Replies: 54
Views: 6195

Re: Handling the Details of a Large Inheritance

Thank you for posting this thread. I think many of us are getting a wake-up call on the disadvantages of giving control of an inheritance to someone in their 20's. You have been unusually responsible in not blowing it immediately which is the usual risk we think of. However the risk of blowing the ...
by MotoTrojan
Mon Apr 10, 2017 9:57 pm
Forum: Personal Investments
Topic: What fund to choose for young investor?
Replies: 19
Views: 2783

Re: What fund to choose for young investor?

Don't think it will matter in the long run. However, I want to feel like I choose the right fund for the next few years and not have to second guess myself EXTREMELY important not to performance chase. If you always go with the fund that did the best in the last 5-years, you will buy high and sell ...
by MotoTrojan
Sun Apr 09, 2017 10:57 pm
Forum: Personal Investments
Topic: Handling the Details of a Large Inheritance
Replies: 54
Views: 6195

Re: Handling the Details of a Large Inheritance

What did you study in college? You have been given a great opportunity that many people cannot even dream of. This investment has the potential to set you up for a very early retirement, with enough money to live a lavish lifestyle (if you so choose), support a large family, donate sizable amounts t...
by MotoTrojan
Sun Apr 09, 2017 8:16 pm
Forum: Personal Investments
Topic: Monthly DCA versus quarterly DCA?
Replies: 10
Views: 2694

Re: Monthly DCA versus quarterly DCA?

I did an analysis of this and lump sum investing is better than dollar cost averaging about 70% of the time. I compared lump sum investing and monthly dollar cost averaging. I assume that quarterly dollar cost averaging would do slightly better than monthly dollar cost averaging, but I have not for...
by MotoTrojan
Sun Apr 09, 2017 3:13 pm
Forum: Investing - Theory, News & General
Topic: How to TLH in Real LIfe
Replies: 38
Views: 3775

Re: How to TLH in Real LIfe

Does Betterment or other companies provide any insight into how their algorithm works? Any uses look at transaction history enough to tell? Curious what thresholds they use for selling. In theory, with low-cost index funds, you could have a $1/share threshold and just be selling left and right as t...
by MotoTrojan
Sun Apr 09, 2017 3:00 pm
Forum: Personal Investments
Topic: Anyone else own balanced index fund? [vbinx]
Replies: 26
Views: 5887

Re: Anyone else own balanced index fund? [vbinx]

We are late 30s and just opened our 2016/2017 Roth IRA with that balanced fund. Probably too conservative for others but the simplicity is attractive to us. Our AA is 60/40 and we will be retiring with full pensions. Again, too conservative for most but the simplicity won out plus if someone inheri...
by MotoTrojan
Sun Apr 09, 2017 2:58 pm
Forum: Personal Investments
Topic: Question About Opening IRA With Vanguard
Replies: 2
Views: 390

Re: Question About Opening IRA With Vanguard

Also worth noting that it'll take several days before the money is actually transacted from your bank to the settlement fund, but as soon as you initiate the transfer on VG, they allow you to purchase funds. The distinction here on the settlement fund is the "funds available for transfer" vs. "funds...
by MotoTrojan
Sun Apr 09, 2017 2:55 pm
Forum: Investing - Theory, News & General
Topic: How to TLH in Real LIfe
Replies: 38
Views: 3775

Re: How to TLH in Real LIfe

Does Betterment or other companies provide any insight into how their algorithm works? Any uses look at transaction history enough to tell? Curious what thresholds they use for selling. In theory, with low-cost index funds, you could have a $1/share threshold and just be selling left and right as th...
by MotoTrojan
Sun Apr 09, 2017 2:53 pm
Forum: Personal Consumer Issues
Topic: Trip Ideas - San Francisco & Northern CA
Replies: 31
Views: 3882

Re: Trip Ideas - San Francisco & Northern CA

- Love coastal cliffs & rock pools. Point Lobos in Carmel. Try to go on a weekday to avoid the crowds. http://www.parks.ca.gov/?page_id=571 Excellent suggestion! Lots of cool beach places to check out between Carmel and Point Reyes, that entire strip of PCH/Hwy1 is amazing. Capitola is a fun beach ...
by MotoTrojan
Sun Apr 09, 2017 1:54 pm
Forum: Investing - Theory, News & General
Topic: How to TLH in Real LIfe
Replies: 38
Views: 3775

Re: How to TLH in Real LIfe

A better question to ask might be: how much of a loss in a specific lot is worthwhile to harvest? Of course, having harvested from fund A to fund B, to could still harvest further two months later (if situation dictates) from fund B to fund A or C, but the latter harvest would be a short term loss....
by MotoTrojan
Sat Apr 08, 2017 3:39 pm
Forum: Personal Investments
Topic: 27yr curious about my investment personel and strategy
Replies: 61
Views: 7996

Re: 27yr curious about my investment personel and strategy

Getting ready to have a / the conversation with my advisor this week. Any last minute advice? The personal aspect of this has been the hardest part to accept. But you guys have laid out so much good info for me. That it's hard to see any positive in keeping this business relationship. " my "Advisor...
by MotoTrojan
Sat Apr 08, 2017 3:22 pm
Forum: Investing - Theory, News & General
Topic: How to approach a tilted portfolio as retirement approaches
Replies: 20
Views: 2276

Re: How to approach a tilted portfolio as retirement approaches

As you age and enter retirement the left tail risk becomes more and more important which IMO argues for more and more tilt while AT SAME TIME lowering equity allocation to maintain the expected return needed. This idea of RELATIVE performance (the dreaded tracking error regret disease) is IMO a foo...
by MotoTrojan
Sat Apr 08, 2017 11:58 am
Forum: Personal Investments
Topic: 33 yr old Fed wants to be a boglehead
Replies: 23
Views: 3104

Re: 33 yr old Fed wants to be a boglehead

EStrader44 wrote: I'm almost near breakeven and I still fully expect my investment to go up.
Between this and your 99% confidence on your futures strategy, why don't you write a book and make millions? :moneybag

What is your AA in the TSP?
by MotoTrojan
Sat Apr 08, 2017 11:46 am
Forum: Personal Investments
Topic: New Boglehead Looking For Feedback!
Replies: 12
Views: 1711

Re: New Boglehead Looking For Feedback!

I'm actually holding 30% in the international stock market index. Unfortunately, the 401k doesn't offer a US stock market index or I'd probably put an even 70% in there and not mess around with so many funds. Ah I see, oops! My point about potentially eliminating the VG-MC fund is still relevant. P...
by MotoTrojan
Sat Apr 08, 2017 10:25 am
Forum: Personal Investments
Topic: New Boglehead Looking For Feedback!
Replies: 12
Views: 1711

Re: New Boglehead Looking For Feedback!

Agreed, your 401K options are pretty nice, so consider adding more. You could simplify it a bit if you wanted. Any reason you hold TSM, and then 3 different funds that make-up different segments of it? I suppose you could be trying to reduce your ER since TSM has the largest? If you don't want to ju...
by MotoTrojan
Sat Apr 08, 2017 10:05 am
Forum: Investing - Theory, News & General
Topic: How to approach a tilted portfolio as retirement approaches
Replies: 20
Views: 2276

Re: How to approach a tilted portfolio as retirement approaches

Yeah, you can keep your small and value (or other factor) exposure about the same while reducing your Beta and tail-risk exposure as retirement approaches by tilting your equity mix more while at the same time reducing your equity percentage in favor of low-Beta assets. If you are planning for the ...
by MotoTrojan
Sat Apr 08, 2017 9:57 am
Forum: Personal Investments
Topic: Please help to review my "revised" investment plan
Replies: 4
Views: 1007

Re: Please help to review my "revised" investment plan

Specifically to your question 4, you are thinking about this wrong. Your portfolio is your entire set of holdings, do NOT separate it by 401K, IRA, Roth, Taxable, etc... So you can do a 3-fund portfolio, and put bonds entirely in tax-advantaged account, stocks in taxable, and perhaps some stocks in...
by MotoTrojan
Sat Apr 08, 2017 1:28 am
Forum: Personal Investments
Topic: Please help to review my "revised" investment plan
Replies: 4
Views: 1007

Re: Please help to review my "revised" investment plan

Thank you in advance for reading this post and providing your inputs. I am trying to learn and appreciate any suggestions. I posted my question before, long version. I was overwhelmed with the advice received and just partly understood the language of investing. I am posting my short version of onl...
by MotoTrojan
Sat Apr 08, 2017 1:09 am
Forum: Personal Finance (Not Investing)
Topic: Budgeting vs Tracking Expenses?
Replies: 42
Views: 5314

Re: Budgeting vs Tracking Expenses?

A budget is a plan. You can adjust the plan. As for me, I set savings targets. Once I meet them, I am free to spend how I want. If more savings are needed, then spending needs to go down. After playing with Quicken, and having no luck, I am giving this a try. Since getting into index investing, I f...
by MotoTrojan
Sat Apr 08, 2017 12:57 am
Forum: Investing - Theory, News & General
Topic: How to approach a tilted portfolio as retirement approaches
Replies: 20
Views: 2276

How to approach a tilted portfolio as retirement approaches

At 25 years old, I am far, far away from retirement, but still find this question interesting. I have opted to tilt 20% of my total portfolio (100% equities) to S&P 600 Small-cap Value; I don't want to make this thread at all about that decision, but rather the proper way people with similar mindset...
by MotoTrojan
Fri Apr 07, 2017 4:10 pm
Forum: Investing - Theory, News & General
Topic: Why cheaper index funds translate into lower future returns
Replies: 26
Views: 5150

Re: Why cheaper index funds translate into lower future returns

If you actually dig into the article, what he is saying is: "Increased availability and popularity of vehicles that allow for cheap, convenient, well-diversified market exposure increases the pool of money inclined to bid on equities as an asset class–not only during the good times, but also when b...
by MotoTrojan
Fri Apr 07, 2017 9:50 am
Forum: Personal Finance (Not Investing)
Topic: Age 40 - Financial Analysis Wanted
Replies: 42
Views: 6936

Re: Age 40 - Financial Analysis Wanted

MotoTrojan, You are correct as per general advice. Except in OP's case, in order to meet his targeted AA, he has to hold the bonds in either Roth IRA or 401K in order to avoid holding the bond in the taxable account. His taxable account is sizable as compared to the Roth IRA and 401K. KlangFool Got...
by MotoTrojan
Fri Apr 07, 2017 12:15 am
Forum: Personal Finance (Not Investing)
Topic: Age 40 - Financial Analysis Wanted
Replies: 42
Views: 6936

Re: Age 40 - Financial Analysis Wanted

Generally people prefer to hold more stocks in Roth and more bonds in tax-deferred (401K or IRA). Not a hard rule, but something to keep in mind. Roth should be the home for where you expect the most growth, since gains are 100% tax-free. MotoTrojan, You are correct as per general advice. Except in...
by MotoTrojan
Thu Apr 06, 2017 8:39 pm
Forum: Personal Finance (Not Investing)
Topic: Age 40 - Financial Analysis Wanted
Replies: 42
Views: 6936

Re: Age 40 - Financial Analysis Wanted

Generally people prefer to hold more stocks in Roth and more bonds in tax-deferred (401K or IRA). Not a hard rule, but something to keep in mind. Roth should be the home for where you expect the most growth, since gains are 100% tax-free. MotoTrojan, You are correct as per general advice. Except in...
by MotoTrojan
Thu Apr 06, 2017 7:31 pm
Forum: Personal Finance (Not Investing)
Topic: Age 40 - Financial Analysis Wanted
Replies: 42
Views: 6936

Re: Age 40 - Financial Analysis Wanted

new question and bumping as I'm still hopeful for more advice... I completed my 401k transactions yesterday to add more Wellesley, eliminate a small/mid cap, energy fund, and eliminate investing in company stock. This time is my wife's Roth IRA at Fidelity. I want to add a Bond ETF. Based on no tra...
by MotoTrojan
Wed Apr 05, 2017 8:20 pm
Forum: Personal Investments
Topic: Age 25, Single, Finally putting in a 401k and overwhelmed by options
Replies: 11
Views: 2180

Re: Age 25, Single, Finally putting in a 401k and overwhelmed by options

Agree with all the comments to focus on saving, and try to reduce as much as you can. I don't see a strong need for Int. Bonds or REITs for example, but that is totally up to you. You are doing better than I it seems as there is good continuity to yours, but the less funds the easier it'll be. I wen...
by MotoTrojan
Wed Apr 05, 2017 3:20 pm
Forum: Personal Finance (Not Investing)
Topic: Help with college choice
Replies: 125
Views: 9890

Re: Help with college choice

As an Engineer myself (graduated in 2014, worked at a/the top aerospace company and then left for a start-up), I would say the biggest thing is to be involved in some great practical clubs/competitions, such as Formula SAE, Rocket clubs, hands-on research labs, etc... A big name school will help (I ...
by MotoTrojan
Wed Apr 05, 2017 3:15 pm
Forum: Personal Investments
Topic: Tax implications for large re-balance
Replies: 17
Views: 1489

Re: Tax implications for large re-balance

Since we are all guessing, I will guess they can go to 30% equities without paying taxes. Or they can do it another way and pay lots of taxes. The OP stated the vast majority were in "tax-deferred". Is the feedback being provided (no tax-bill) not a fact, assuming the OPs own provided info is accur...
by MotoTrojan
Tue Apr 04, 2017 12:38 am
Forum: Personal Investments
Topic: Tax implications for large re-balance
Replies: 17
Views: 1489

Re: Tax implications for large re-balance

Since we are all guessing, I will guess they can go to 30% equities without paying taxes. Or they can do it another way and pay lots of taxes. The OP stated the vast majority were in "tax-deferred". Is the feedback being provided (no tax-bill) not a fact, assuming the OPs own provided info is accur...
by MotoTrojan
Tue Apr 04, 2017 12:33 am
Forum: Personal Investments
Topic: Tax implications for large re-balance
Replies: 17
Views: 1489

Re: Tax implications for large re-balance

thefoggycity wrote:So, capital gains taxes would only apply if they liquidated?
Tax-deferred accounts pay normal income tax on withdrawals/distributions; capital gains are only really pertinent to taxable accounts.
by MotoTrojan
Tue Apr 04, 2017 12:32 am
Forum: Personal Investments
Topic: Tax implications for large re-balance
Replies: 17
Views: 1489

Re: Tax implications for large re-balance

Mostly rollover iras and 401k. Are Vanguard representatives at liberty to give an idea about expected taxes? As long as the cash stays in the settlement fund and isn't withdrawn, you won't have any tax implications. This is a big perk for tax-deferred accounts, you can buy & sell all day long! If y...
by MotoTrojan
Mon Apr 03, 2017 7:55 pm
Forum: Personal Investments
Topic: Vanguard projection of future returns - both U.S and international
Replies: 5
Views: 1246

Re: Vanguard projection of future returns - both U.S and international

In Common Sense on Mutual Funds, he talks about some interesting methods of projecting future expected returns based off Yield, Earnings Growth (the two fundamental reasons value goes up), and P/E (the volatile, emotional aspect, which continually dances around the mean). With current values in the ...
by MotoTrojan
Mon Apr 03, 2017 7:48 pm
Forum: Personal Investments
Topic: One fund ETF taxable account...Why bond or international?
Replies: 8
Views: 1203

Re: One fund ETF taxable account...Why bond or international?

Wow. No bonds in your 401k either? You're braver than I am. If you can stomach the volatility, more power to you. 401k account is through Merrill Lynch Not the best fund choices, but 100% up to 6% salary match is great. Max it out with: 80% 2060 Target date fund 10% russell 1000 10% russell 2000 Ma...
by MotoTrojan
Mon Apr 03, 2017 7:07 pm
Forum: Investing - Theory, News & General
Topic: SV P/E currently lowest valuation relative to 15 year average
Replies: 3
Views: 658

Re: SV P/E currently lowest valuation relative to 15 year average

Mid-growth beat it out, no? But absolutely agree, nice contradiction to the narrative you mentioned.
by MotoTrojan
Thu Mar 30, 2017 7:51 pm
Forum: Personal Investments
Topic: Currently have $700,000 at 26 years old get $100,000 a year
Replies: 165
Views: 32792

Re: Currently have $700,000 at 26 years old get $100,000 a year

Nicely done. I'd use less bonds personally, unless you expect to live off this and don't expect income to continue.
by MotoTrojan
Thu Mar 30, 2017 3:44 pm
Forum: Personal Investments
Topic: How do you treat shares in young/private companies?
Replies: 7
Views: 739

Re: How do you treat shares in young/private companies?

All valid points, and yes at 25 years old I consider myself young in the investing sense 8-) . Per my IPS I am actually going 100% equities for at-least 5 years (until my 30th birthday), so this is more of an equity allocation question. For my current job the value is much more subjective and entir...
by MotoTrojan
Thu Mar 30, 2017 12:29 pm
Forum: Personal Investments
Topic: How do you treat shares in young/private companies?
Replies: 7
Views: 739

Re: How do you treat shares in young/private companies?

I don't have start-up type experience but am looking at similar issues with ongoing annual vesting and concentration of assets. The default advice is sell it all and invest to your asset allocation. If you are young, and investing for the long run, you have a long time for this "steady" course to p...
by MotoTrojan
Thu Mar 30, 2017 11:55 am
Forum: Personal Investments
Topic: How do you treat shares in young/private companies?
Replies: 7
Views: 739

Re: How do you treat shares in young/private companies?

There is nothing inherently wrong with owning a big slug of a private company. What you want to focus on is you Asset Allocation. This is going to be a bit complicated. Lets run down the list. Concentrated position in a single company. The value of the equity is going to be difficult to value since...
by MotoTrojan
Thu Mar 30, 2017 11:35 am
Forum: Personal Finance (Not Investing)
Topic: Ally Bank - access issues, normal?
Replies: 13
Views: 2031

Re: Ally Bank - access issues, normal?

I also recently made a 1% account with them and was startled to find the website down the other evening. I can't remember the exact timeframe (midnight eastern maybe?), but apparently they have a ~1 hour maintenance time every night at which point the online access is down. If this were my daily che...