Search found 282 matches

by fujiters
Fri Jun 22, 2018 9:51 pm
Forum: Investing - Theory, News & General
Topic: Why won't Vanguard drop VTI & VOO expense to 0.03?
Replies: 65
Views: 8901

Re: Why won't Vanguard drop VTI & VOO expense to 0.03?

They don't have to drop it because they are giving you better return from securities lending which costs a little bit of money. :twisted: So would you rather have an expense ratio of 0.03% and no extra return, or an expense ratio of 0.04% and 0.1% extra return? What is the best way to see the boost...
by fujiters
Fri Jun 22, 2018 9:41 pm
Forum: Personal Investments
Topic: My first attempt at TLH
Replies: 14
Views: 1245

Re: My first attempt at TLH

livesoft wrote:
Fri Jun 22, 2018 4:49 pm
Yes, you can buy VFWAX all you want, when you want.
The only thing you may want to consider is whether you want to continue harvesting if VFWAX drops. Buying more will potentially put more buys in the -/+ 31 day window around a new harvest day.
by fujiters
Thu Jun 21, 2018 3:28 am
Forum: Investing - Theory, News & General
Topic: "Find out if your fund is declaring a dividend this month"
Replies: 42
Views: 5682

Re: "Find out if your fund is declaring a dividend this month"

If the declaration date was today, June 20, and I sold some shares tomorrow 6/21 would I still get the dividend based on the original amount of shares? No. Only the Ex-dividend date counts. If you sell *before* that day, the new owner gets the dividend. It looks like most funds with yesterday's dec...
by fujiters
Tue Jun 19, 2018 2:32 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 12408
Views: 2142238

Re: U.S. stocks in freefall

Vanguard's about to pay out dividends on many funds. I'm tempted to buy today, but I'm also tempted to wait until after the ex-dividend date. I'll wait to see if tomorrow drops enough to get me to buy the dividend. I assume you are talking about a taxable account? In a retirement account there is n...
by fujiters
Tue Jun 19, 2018 2:26 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 12408
Views: 2142238

Re: U.S. stocks in freefall

Vanguard's about to pay out dividends on many funds. I'm tempted to buy today, but I'm also tempted to wait until after the ex-dividend date. I'll wait to see if tomorrow drops enough to get me to buy the dividend.
by fujiters
Mon Jun 18, 2018 4:10 pm
Forum: Personal Consumer Issues
Topic: BH way to celebrate a milestone anniversary?
Replies: 4
Views: 709

Re: BH way to celebrate a milestone anniversary?

I'm a fan of new experiences. It helps spice things up.

Take a rock climbing/white water rafting/canyoneering/etc intro together. Do one of those sensory deprivation pod things. Escape room. Indoor skydiving. Virtual reality game.
by fujiters
Sun Jun 17, 2018 4:48 am
Forum: Personal Consumer Issues
Topic: African Safari: Worth it or Hype?
Replies: 83
Views: 12364

Re: African Safari: Worth it or Hype?

It definitely depends on you. The idea that seeing animals in a zoo is as good as in the bush in Africa is unfathomable to me. If that is you don't waste your time and money. This reminds me of those people who insist that they can’t tell the difference between Standard Definition TV and High Defin...
by fujiters
Sat Jun 16, 2018 4:07 am
Forum: Personal Investments
Topic: Where to invest $50K+ down payment money for five years?
Replies: 73
Views: 7956

Re: Where to invest $50K+ down payment money for five years?

Jesteroftheswamp, <<1. My portfolio size meaning all of my investments?>> Yes. So, if your overall portfolio is only 200K, you have kept 50K aka 25% of your portfolio not invested. In 5 years, you would keep 100K away from investing. <<thus have a chance of returning less than the MMA at a time whe...
by fujiters
Fri Jun 15, 2018 6:15 pm
Forum: Investing - Theory, News & General
Topic: Which boglehead rule do you break--and are ok with
Replies: 152
Views: 14203

Re: Which boglehead rule do you break--and are ok with

gmaynardkrebs wrote:
Fri Jun 15, 2018 4:54 pm
I check my Vanguard portfolio almost every day, breaking John Bogle's sage "get a life" advice. Can't help it.
I do the same with this forum :beer
by fujiters
Fri Jun 15, 2018 2:39 am
Forum: Personal Finance (Not Investing)
Topic: best way to receive large sum of money from another country
Replies: 34
Views: 2880

Re: best way to receive large sum of money from another country

Use a service like XE.com or Oanda to save a lot of currency conversion fees and wire charges. I've used XE and they charge no fees (unless you really want a wire, which is just $15). Their currency conversion rates are extremely good, especially compared to a traditional bank international transfe...
by fujiters
Fri Jun 15, 2018 12:54 am
Forum: Personal Investments
Topic: Portfolio Review for Millenial
Replies: 26
Views: 2115

Re: Portfolio Review for Millenial

For mortgage interest rates in recent years, most people would be best served not paying their mortgages off any earlier than required. Personally, I have a 2.375% mortgage from early 2013 and I'm hitting myself for not taking a larger mortgage than we did. It would be insane to pay it off any earli...
by fujiters
Fri Jun 15, 2018 12:32 am
Forum: Personal Investments
Topic: Fund college tuition through 529 plan or Indexed Universal Life (IUL)
Replies: 32
Views: 2371

Re: Fund college tuition through 529 plan or Indexed Universal Life (IUL)

The IUL distributions are only "tax free" because they're loans against the value of your policy. If the policy lapses (you don't keep it all the way to your death), taxes are due. The ongoing fees for such products tend to be non trivial, so it's a big commitment to take on to keep paying those fee...
by fujiters
Thu Jun 14, 2018 2:47 pm
Forum: Personal Finance (Not Investing)
Topic: best way to receive large sum of money from another country
Replies: 34
Views: 2880

Re: best way to receive large sum of money from another country

Transferwise is quite cheap, but it would be worth looking harder for a large transfer like yours. Another downside is that Transferwise is slow. I think you will find Interactive Brokers to be best. +1 I've looked into using IB for currency exchange and I think you'll run $10 to do the transfer. ~...
by fujiters
Thu Jun 14, 2018 3:53 am
Forum: Personal Investments
Topic: 47 and clueless - direction needed
Replies: 60
Views: 8995

Re: 47 and clueless - direction needed

You should open an IRA elsewhere (Vanguard is popular here, but Schwab and FIdelity are also good options based on personal experience) and do a direct rollover from Franklin Templeton to the new account. You will take a hit from the back-end load on FBLAX, but the longer you wait, the bigger the h...
by fujiters
Thu Jun 14, 2018 3:10 am
Forum: Personal Investments
Topic: 35 and Need Help With Building Wealth
Replies: 55
Views: 7562

Re: 35 and Need Help With Building Wealth

I see your point. Let me ask you this. How easy do you think it is for the average family who earns $4K per month and spends $4.5K per month, to save $1000, ie. spending $1500 less than they normally do. You are asking them to spend 1/3 of what they normally do just to get by. Clipping coupons, and...
by fujiters
Thu Jun 14, 2018 1:38 am
Forum: Investing - Theory, News & General
Topic: [favorite] Boglehead quotes
Replies: 104
Views: 17037

Re: [favorite] Boglehead quotes

livesoft on "MD&P just purchased X / sold Y [md&pharmacist]" : Ah, yes. But Bogleheads will help investors navigate between the day-trading Scylla and the leveraged Charybdis with ease. But that is only if they can first tie themselves to the 3-fund portfolio mast while the Sirens call "Slice-and-D...
by fujiters
Tue Jun 12, 2018 1:41 am
Forum: Personal Investments
Topic: Next Steps for Single 34 Year Old with Savings and Roth IRA (VASGX)
Replies: 37
Views: 3553

Re: Next Steps for Single 34 Year Old with Savings and Roth IRA (VASGX)

Taxes may very well be higher. Yup. And they might be lower. At the very worst, there will almost certainly be a standard deduction, up to which one pays 0% on ordinary income. Using today's numbers, that means a $300K traditional account would pay $0 tax on a 4% withdrawal rate if that is the only...
by fujiters
Mon Jun 11, 2018 4:02 am
Forum: Personal Investments
Topic: MD&P just purchased X / sold Y [md&pharmacist]
Replies: 198
Views: 14873

Re: MD&P just purchased X / sold Y

beezquimby wrote:
Sun Jun 10, 2018 6:10 pm
LOL, I personally am prepared to buy when the next correction ensues.
I am prepared to sell tomorrow if the next major correction ensues.
¿Por qué no los dos? Harvest the losses and buy more.
by fujiters
Sun Jun 10, 2018 4:09 am
Forum: Personal Investments
Topic: 49 Year Old Retirees - Tax Planning Strategy Questions
Replies: 5
Views: 1068

Re: 49 Year Old Retirees - Tax Planning Strategy Questions

Because you have a long time horizon, using low tax rates to convert traditional to Roth is likely to pay off better than using low tax rates for capital gains. "Low" is of course a relative term. If, for example, you converted traditional to Roth up to the top of the 12% bracket each year from now...
by fujiters
Sun Jun 10, 2018 2:38 am
Forum: Investing - Theory, News & General
Topic: Buffett says Bonds are a terrible investment now. What should we invest in besides stocks?
Replies: 150
Views: 25819

Re: Buffett says Bonds are a terrible investment now. What should we invest in besides stocks?

For the people who like to have a real estate side hustle (or maybe not-so-side hustle), I wonder what their exit strategy is like.i am pretty confident that an index fund portfolio is easier to deal with in old age than a pile of real estate, but perhaps I am mistaken. I have watched my FIL slowly...
by fujiters
Sat Jun 09, 2018 3:51 pm
Forum: Investing - Theory, News & General
Topic: When I thought I was smarter than the market
Replies: 22
Views: 4200

Re: When I thought I was smarter than the market

I had a similar experience buying BP near its nadir following the Deep Water Horizon explosion. I started to think I was smarter than the market. I made a few other buys around that time and had the good sense to track how much I would have made if I'd instead invested in Vanguard's Total Stock Mark...
by fujiters
Sat Jun 09, 2018 3:36 pm
Forum: Personal Investments
Topic: TSP Advice
Replies: 7
Views: 806

Re: TSP Advice

If I am interpreting your post properly (new money split between two L funds; old money split between 5 individual funds) then you are making it way more complicated than it needs to be for no additional benefit. It doesn't make any sense to me to split up your existing nest egg into 5 different fu...
by fujiters
Sat Jun 09, 2018 3:18 pm
Forum: Non-US Investing
Topic: Advice for US permanent resident with £50k GBP in the UK
Replies: 19
Views: 2019

Re: Advice for US permanent resident with £50k GBP in the UK

I can personally recommend TransferWise as well, but I will likely be trying out Revolut for my next currency transfer. It looks like it will likely be less expensive, but I've not yet had an opportunity to confirm that.

You may want to look into it as well.
by fujiters
Sat Jun 09, 2018 8:35 am
Forum: Investing - Theory, News & General
Topic: Anyone else cheap like me and have to put new $s into the asset class that's down the most?
Replies: 23
Views: 3028

Re: Anyone else cheap like me and have to put new $s into the asset class that's down the most?

No. My portfolio is total market. I buy into whatever asset class doesn't match total market (lately, a lot of international small cap to balance out my TSP). Once the TSP updates their I Fund next year I suspect new contributions will go 50/50 Total US/Total International. I use brokerage in my 40...
by fujiters
Sat Jun 09, 2018 2:23 am
Forum: Personal Investments
Topic: Can someone look at this for me... Did I really lose all this money?
Replies: 16
Views: 3822

Re: Can someone look at this for me... Did I really lose all this money?

A bank statement? I wouldn't want to post any identifiable information. Vanguard has it in graphical format, but also tabular. Would that be useful? Yeah, it would be helpful to see the transaction history for the past couple of months and also to confirm the fund that money is being invested into.
by fujiters
Fri Jun 08, 2018 4:47 pm
Forum: Personal Investments
Topic: Cancel Life Insurance - Portfolio Question
Replies: 3
Views: 359

Re: Cancel Life Insurance - Portfolio Question

No need to complicate things. Just add to existing taxable account.
by fujiters
Thu Jun 07, 2018 2:59 am
Forum: Personal Investments
Topic: 40k Portfolio considering major rebalancing
Replies: 7
Views: 859

Re: 40k Portfolio considering major rebalancing

TSP is actually Traditional in my Case. Roth wasn't available in TSP when I started and I just recently started thinking about switching it. I have at least 25 more years of contributions. My salary will go back to 80k when I return and will go up each year as I get pay adjustments and step increas...
by fujiters
Wed Jun 06, 2018 3:34 am
Forum: Non-US Investing
Topic: Advice for US permanent resident with £50k GBP in the UK
Replies: 19
Views: 2019

Re: Advice for US permanent resident with £50k GBP in the UK

I'm a big believer in simplicity. To that end, if you've no plans to move back to the UK you might just want to pay off the student loan to avoid the hassle down the line. The US and UK tax systems are sufficiently incompatible that there's not much you can do to invest the funds in GBP which will ...
by fujiters
Wed Jun 06, 2018 3:06 am
Forum: Personal Finance (Not Investing)
Topic: Best CashBack creditCard with no foreign transaction fee.
Replies: 23
Views: 3410

Re: Best CashBack creditCard with no foreign transaction fee.

What do you mean by #2? The Uber card will get the exchange rate of the VISA network. There have been some studies including one posted on Nerdwallet that Mastercard has a slight edge in exchange rate vs VISA. I have been using both visa and mastercard on all my international trips to see which net...
by fujiters
Tue Jun 05, 2018 3:11 am
Forum: Investing - Theory, News & General
Topic: TLH for absolute dummies [Tax Loss Harvesting]
Replies: 306
Views: 59386

Re: TLH for absolute dummies [Tax Loss Harvesting]

livesoft wrote:
Wed Feb 14, 2018 6:55 pm
I would TLH for $400 unless it was December. Others might do something else.
Dummy question: what's special about December?
by fujiters
Fri Jun 01, 2018 2:33 pm
Forum: Investing - Theory, News & General
Topic: Investment money is "Fungible"
Replies: 82
Views: 6808

Re: Investment money is "Fungible"

2) << if you have ample investments in taxable accounts, such that if they decline 50%, >> Perfect opportunity for "Tax Loss Harvesting". Yes! I forgot to account for the benefit of the $50000 loss in taxable in first Case 2 example, pushing it ahead as we can now subtract $3000/year from taxable i...
by fujiters
Fri Jun 01, 2018 4:31 am
Forum: Investing - Theory, News & General
Topic: Investment money is "Fungible"
Replies: 82
Views: 6808

Re: Investment money is "Fungible"

So I assume it really gets down to a tax argument - and proponents believe that the benefits of having equities in taxable and bonds in tax deferred makes an appreciable difference, and is worth the risk of depleting your taxable accounts such that you can't meet your short term goals? The argument...
by fujiters
Tue May 29, 2018 5:23 pm
Forum: Personal Finance (Not Investing)
Topic: Best retirement places for shy senior singles
Replies: 32
Views: 4421

Re: Best retirement places for shy senior singles

Another vote for local gym or an active club (like a runners club, bowling team, etc). Being active takes away pressure to be talking all the time. Volunteering could also be helpful. Maybe try out Habitat for Humanity or something? You could volunteer to walk dogs at a local shelter and execute liv...
by fujiters
Tue May 29, 2018 5:13 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 12408
Views: 2142238

Re: U.S. stocks in freefall

Not US, but harvested losses in VXUS today.
by fujiters
Mon May 28, 2018 2:55 pm
Forum: Personal Investments
Topic: What to do with extra cash?
Replies: 13
Views: 2013

Re: What to do with extra cash?

Thanks everyone for your valuable input! I could probably contribute the extra 6k a year to get to the federal limit, while my wife holds a rather low paying job, and we are already putting a third of her paycheck into her 401k. Home equity loan aside, I know there are plenty of opportunities to sa...
by fujiters
Mon May 28, 2018 3:54 am
Forum: Personal Consumer Issues
Topic: Please help with grocery budget
Replies: 51
Views: 4968

Re: Please help with grocery budget

Finally I cook everything (I had to learn to cook well) and eat mostly vegetarian...I use recipes (meals are heavy on veggies) that are easy, quick, and include accessible and inexpensive ingredients. +1 Cutting your meat consumption will typically make a big dent in your food bills. I make a weekl...
by fujiters
Sun May 27, 2018 7:59 am
Forum: Investing - Theory, News & General
Topic: Why Edward Jones?
Replies: 92
Views: 20139

Re: Why Edward Jones?

I'm not sure on the why Edward Jones question. But I think this site explains the why not pretty well. http://kronstantinople.blogspot.com/p/edward-jones-saga.html That was a great read. It's really disheartening. The high fees seem to be necessary in order to maintain the type of service the clien...
by fujiters
Fri May 25, 2018 3:28 am
Forum: Personal Investments
Topic: Mid-30's portfolio review, Married, 2 kids.
Replies: 9
Views: 3582

Re: Mid-30's portfolio review, Married, 2 kids.

For tax efficiency (see https://www.bogleheads.org/wiki/Tax-efficient_fund_placement), I agree you probably do not want REIT or bonds in your taxable account. It's already there, so it's probably not worth selling and taking a tax hit to get it out. Just don't allocate any more money to it (and take...
by fujiters
Tue May 22, 2018 2:58 pm
Forum: Personal Investments
Topic: Where Should I Invest 3k in Taxable Account? 100% VTSMX?
Replies: 11
Views: 1684

Re: Where Should I Invest 3k in Taxable Account? 100% VTSMX?

Because I like whole world, 1.5k in VXUS, 1.5k in VTI.
by fujiters
Tue May 15, 2018 3:00 am
Forum: Personal Investments
Topic: Should I decrease my international exposure?
Replies: 8
Views: 1225

Re: Should I decrease my international exposure?

You could also make the argument that given that the market has shown mean reversion in the past, you'd expect international to outperform domestic going forward. Predicting the future is hard. Personally, I aim to replicate VT (Vanguard Total World Stock ETF) across my stock holdings to let the mar...
by fujiters
Mon May 14, 2018 3:41 am
Forum: Personal Investments
Topic: Early Retirement - aka - plan B.
Replies: 7
Views: 2213

Re: Early Retirement - aka - plan B.

if you count on the tax exempt stuff compounding away (which can't be touched) and you can live on taxable savings until tapping that capital, would you/could you/have you? Yes, I would. I would actually do so even if I had to tap tax advantaged accounts (so long as no more than 3% of my portfolio ...
by fujiters
Sun May 13, 2018 3:43 am
Forum: Personal Consumer Issues
Topic: How to convert old SAT scores to new SAT scores?
Replies: 27
Views: 11035

Re: How to convert old SAT scores to new SAT scores?

Why bother? What would having this information allow you to do that would be useful? College admissions are much more competitive now. Higher scores are needed to get into almost any school. Are you curious if high-school-you could still get into your alma mater? Are you trying to extrapolate the si...
by fujiters
Sun May 13, 2018 3:16 am
Forum: Personal Investments
Topic: Is Whole Life Insurance Worth It?
Replies: 54
Views: 5237

Re: Is Whole Life Insurance Worth It?

There are better ways to get the anticipated benefits of whole life. If you need a death benefit for your heirs, a term policy is typically cheaper and can be tailored to end when your estate is sufficiently large that your heirs will be provided for without life insurance. If you want a place to in...
by fujiters
Sat May 12, 2018 2:09 pm
Forum: Personal Finance (Not Investing)
Topic: How can I keep track of my monthly spendings?
Replies: 36
Views: 7597

Re: How can I keep track of my monthly spendings?

I highly recommend Mint. I pay everything I possibly can with a credit card. Doing so earns 2% miminun returns on expenses (you can earn much more by always putting spend towards meeting a bonus) and all transactions get imported and categorized by Mint.
by fujiters
Fri May 11, 2018 3:46 am
Forum: Personal Investments
Topic: Traditional or Roth TSP with New Tax Brackets?
Replies: 18
Views: 1760

Re: Traditional or Roth TSP with New Tax Brackets?

With taxable assets and reliable government paycheck, an emergency fund can safely be reduced. Another slight benefit is that you can use your G Fund as an emergency fund, increasing the return on your EF. https://www.bogleheads.org/forum/viewtopic.php?t=207129 Admittedly an additional 2% on a $20,...
by fujiters
Fri May 11, 2018 3:35 am
Forum: Personal Investments
Topic: move out of bonds into money market and online savings
Replies: 19
Views: 3141

Re: move out of bonds into money market and online savings

In a TSP plan , people seem to love the G fund which is like a money market fund and many seem to prefer this over the bond fund . I was thinking the same principles apply to what I am planing to do . Agree? G fund has a larger expected value than f fund because it is taxpayer subsidized. It has an...
by fujiters
Fri May 11, 2018 3:19 am
Forum: Personal Investments
Topic: Vanguard Developed Markets Index Fund as substitute for Total International Stock Fund?
Replies: 27
Views: 3619

Re: Vanguard Developed Markets Index Fund as substitute for Total International Stock Fund?

It appears that my notes are outdated! I was not aware that developed markets now includes small caps. That simplifies it a bit! Time for me to go tinker... You and me both! Apparently they switched the underlying index at the end of 2015. Naturally, Bogleheads, as a whole, were on top of it: https...
by fujiters
Thu May 10, 2018 3:45 pm
Forum: Personal Consumer Issues
Topic: Which City to spend 4-6 weeks?
Replies: 48
Views: 6207

Re: Which City to spend 4-6 weeks?

I also recommend Rome. Great day trips, and a great place to just be.
by fujiters
Wed May 09, 2018 1:22 am
Forum: Personal Consumer Issues
Topic: Rental Cars:National, Budget, Alamo or Thrifty
Replies: 33
Views: 3126

Re: Rental Cars:National, Budget, Alamo or Thrifty

NOLA wrote:
Tue May 08, 2018 11:42 pm
Thanks to this great site I found the Autoslash website. Gave me a great deal when we went to LA last year.
I also highly recommend autoslash.com.