Bogleheads.org

InvestingMom

A little late to the game on my opinion....but I don't like the split. To me it is a bit hard to figure out if I am asking a personal question or if it is a theoretical question....they are so intertwined? Also, I hate going back and forth and I think that those who are theory minded might miss an o...

InvestingMom

Thanks very much Bob! I guess the question now is if an investor decides to allocate a certain % of their portfolio to a REIT fund....how does this information affect their decision?. Should their contribution to a REIT fund be reduced by the amount they might already hold in the other funds? If so...

InvestingMom

My grandmother did this to my mom and so now my mom is stuck with this trust (I guess things could be worse :wink: ) that invests only in that trust company's mutural funds with high fees and does not invest in index funds. We can't even specify the asset allocation which luckily is conservative. I...

InvestingMom

1) 30 years feels too long. Will you really be disciplined enough to invest the money? Do you get a deduction for student loans? I did not know that? But anyway, paying off your debt reduces your risk. 200K is quite a bit. Could this impact your ability to get a home loan? 2) Yes you have picked a g...

InvestingMom

A little while ago it was asked how folks benchmark their portfolios. One response from many folks was that they did not need to benchmark since they were invested in only Total Stock Market Index, Total International Index and Total Bond Index. They knew they were getting the return of the index (...

InvestingMom

Latestarter wrote: I'll park the BRSIX proceeds in cash for a month.

If you intend to buy it back I believe you will need to park it for 91 days.
Can't help you with ETF questions.

InvestingMom

I guess I don't understand the question either. If you want to market weight your cap size and value, blend, growth on domestic, Vanguard Portfolio Analyzer assumes that. They under weight international at a max of 25% of equity. They market weight emerging markets and market weight sectors. When y...

InvestingMom

Apparently my first post was not clear so let me try again. If, for example, you are trying to achieve a certain asset allocation with so much LB, LV, SB, SV, foreign etc..... And you wanted to use say the Vanguard 500 to partially achieve this... Would you simply classify all of the 500 fund as LB,...

InvestingMom

I have been thinking about this topic quite a bit as well, for a few reasons... I have a sister who is pathetic with money and no doubt will throw away her inheritance after a couple of years I dont have anyone I can trust in case me and my husband died before my son hits 18 If my son is not good wi...

InvestingMom

Perhaps I put this in the wrong forum. But I was looking for a bit more feedback on what you are all doing when it comes to analyzing/composing your portfolios. Perhaps you all go the detailed route and so no one else is bothering to post, but if there is anyone who does not go to such trouble I wou...

InvestingMom

Now, though, I'm trying to square Larry's advice with the two separate objections to this plan offered above. (Still parsing sscritic's scenario.) I hate to speak for someone else, but I don't think sscritic was making an objection. He/She was pointing out that ultimately the tax man will get you. ...

InvestingMom

I was considering doing some tax-loss harvesting with a fund and realized that if I sell it now and buy it back in 31 days, I wouldn't own it on the official record date in late Dec. As it happens, this fund will distribute fairly substantial CGs despite its poor performance. Does this mean I'd avo...

InvestingMom

I use TT throughout the year to test various scenarios, The scenarios I test are things like retire this year, retire next year in the spring, retire next year in the fall, keep working, how will selling a holding affect my taxes, what if I give more away to charity, how does a possible Roth conver...

InvestingMom

I am working on my annual rebalancing for 2008. I have always used my handy dandy excel spreadsheet along with Vanguards portfolio watch to classify my investements. This year I joined Morningstar (which eventually led me to you all) and found the Xray. So now I am not sure if I should stick with my...

InvestingMom

It is free if you are a Flagship client. I have used the VG version of TT for that past few years with excellent results. Thanks Mickeyd. I did not know this. I just checked the Vanguard website and it says "Starting in December, registered Vanguard.com users will be able to access TurboTax® O...

InvestingMom

jh wrote:I look forward to reading the rest. Your threads are interesting.

Okay so I am curious. I can only think that your wife divorced you and you are now taking your half and hiding it in your mattress.

InvestingMom

I don't know how much this costs but try gainskeeper. See http://www.gainskeeper.com/ It might be worth it if you have quite a few stock sales. I believe that quicken's turbo tax incorporates gainskeeper so that if you are using turbo tax to prepare your taxes you have access to gainskeeper. You pro...

InvestingMom

Fortunately/unfortunately--I only have about $1k of Short Term losses at my Vanguard accts. (Small Cap Index and , Vanguard International Value ). Are you saying that you are going to sell your small cap index and Vanguard Intl Value fund to harvest 1K in losses to offset your gains? That will save...

InvestingMom

IMO should then swap immediately to a similar fund and then reverse if appropriate. Don't you also have to beware that a similar fund will have capital gain distributions? And for clarification, what do you mean by "reverse if appropriate"? I guess a day like today (S&P up 2.9% and Na...

InvestingMom

So when you say that an index (non-bond) is inefficient tax wise, you mean that it does not pare gains/losses well? Generally speaking index funds are more tax efficient than an actively managed fund. This is because managers in actively managed funds trade stocks more than index funds. (If you are...

InvestingMom

To build on what John posted.... If you own stocks through a mutual fund, the mutual fund will buy and sell stocks. If it is an index fund it will buy and sell stocks to maintain shares in the same proportion as the index it is following. Therefore the fund will experience gains and losses that must...

InvestingMom

The idea of moving to a taxable account so you can get a stepped up basis only makes sense if our tax code does not change. The stepped up basis rule is due to sunset in 2010. Hopefully it will be renewed. Well again I hate to comment because I am not an expert...but I think you have to becareful w...

InvestingMom

I am no expert in this area but if nothing else my post will bring your post back to the top ;-) I think that there are at least a few strategies worth pursuing depending on what your mom feels comfortable with, but they depend on her tax rate and whether or not she thinks she is comfortable with as...

InvestingMom

Yeah I gotta go with Andy on this. This sounds way too complicated to me. I think the biggest reason for not doing this is just as Andy points out, what really is the right asset allocation? Of course we all take a shot at what is comfortable, and just because it is not perfect does not mean we shou...

InvestingMom

I would bet that you would not get much better service at other brokerages. I am sure there are exceptions but generally speaking I doubt it...and especially from any of the discount brokerages. Yesterday I spoke to Flagship about naming secondary beneficiaries and I was amazed that they could not g...

InvestingMom

Very interesting article. I am confused though about the statement Although early retirees can lose a portion of their benefits if they earn too much, once you reach 66 you don't incur any penalty for working.) I am not retired yet and so I need to get up to speed on SS but I do know that my mom is ...

InvestingMom

Al i guess you're right, but not sure "why" Because I forgot to pay taxes again in example 1. After I said you have $2301 I should have added if you sell it (again) you have $2083 D'oh! To look at it another way, you are gaining the benefit of earning income on your deferred taxes. This i...

InvestingMom

You are the only one who can really determine what is best for you. You need to go through the "what ifs". What would your fall back be if you got sick, etc. Do you have anyone else you could borrow money from such as a parent? Not ideal...just thinking out loud about all of the resources ...

InvestingMom

Yes, thanks SmallHi for the interesting info and stats... Just to help some people understand things a bit to follow your post... HmL = (H)igh book-to-market (m)inus (L)ow book-to-market. In plain english...it's the difference or spread in returns between value and growth stocks. +ve number means v...

InvestingMom

I only understand about half of what you write in your posts, but being a value investor I am always heartened to see your optimistic "value" posts. But anyway, I am in it for the long term....so I hope you are right.

InvestingMom

Perhaps you need to do a poll...ha ha. Anyway, put me down as a Quicken user who has been very satisfied. Yes it still takes work, but once you get it all set up it works pretty smoothly. I only rebalance my portfolio annually so I don't have a lot of changes, but on the other hand I have over 20 fu...

InvestingMom

In a 401(K) plan it should not matter when you do it. If you were in a taxable account you need to watch for captial gain distributions in mutual funds which you will get taxed on even though you don't recieve the benefit of the distribution. These distributions generally occur in December but can a...

InvestingMom

Laura, Landy and many others have given you excellent advice. But please read a couple of the books before you make your move. The advice to use the tax free money market fund is an excellent recommnedation for the short term and until you really understand your choices. Remember that once you make ...

InvestingMom

Well I have had very good experience with Flagship. I have had 2 different representatives assigned over the last 5 years and both have been very good. I would ask for another representative. I must admit I use to be irritated with the fact that you cannot call your representative directly and often...

InvestingMom

You know what strikes me about this post as well as several other posts I have seen (including TSP market timers a couple of days ago), do these guys/gals do this trading while they are at work? So not only are they losing money in their portfolios over the long haul (and probably the short haul as ...

InvestingMom

Here are some threads that might be helpful. Intl Small Cap Value is hard to find IMO. http://diehards.org/forum/viewtopic.php?t=6733&highlight= This thread is helpful...go to the bottom as some uselful information comes later. I believe it was going to be posted as a sticky but I am not sure. h...

InvestingMom

My International is 20% of my equity portfolio and the EM would be about 20% of my International. My real question is: does it belong in my IRA, my taxable, or does it really matter. Ted IMHO, it belongs in your IRA. The fund may generate capital gains as the fund rebalances and especially if you r...

InvestingMom

2. Is there any advantage to owning separately an S&P 500 index fund (FSMKX or VFINX)and an extended market index fund (FSEVX or VEXMX) n the above ratio vs. owning a total market fund with the same total value? There should be no value if you are holding them in the same ratio. 3. Is there any...

InvestingMom

For those of you that own a foreign small cap fund/etf, (like DLS, GWX or T rowe price international discovery), how much of your foreign allocation is allocated to small cap stocks?[/quote]

I am trying to increase my foreign small cap to about 10% of my total portfolio.

InvestingMom

Good start with investing at Vanguard and using mostly index funds! I agree with Karshar. You need to read the first 2 stickys by Laura. At a minimum we need to know is what your age is and what your asset allocation will be which is how much bonds versus stocks you want to hold. Also, do you have a...

InvestingMom

I noticed that there is some information is the library. Here is the link. http://diehards.org/forum/viewtopic.php?t=1273 I cannot recommend any books but I think it is an extremely good idea to do as much reading as possible before you do anything else. Once you do the reading I would then recommen...

InvestingMom

I notice there are many posts about 457 plans and how expensive many of them are. I know Adrian Nenu has worked hard in the past to get better options from his employer. I was wondering if you could give me or refer me to ammunition to present to my HR dept to try to get better deferred comp option...

InvestingMom

I thought some of you might be interested in this weeks Business Week's article on ETFs. The Vanguard ETF's are highlighted. There is also some interesting insight into some other ETFs if you are trying to capture other parts of the world. The only issue I have with the article is that after explain...

InvestingMom

Thanks for posting. I think it is important to keep reviewing these in order to keep "fighting the last war".
They are almost like a 12 step program that you have to keep cycling through.

InvestingMom

Non-exchange traded REITs are awful. They are one of those investments designed to be sold and not bought. Due diligence with illiquid investments is a major problem. The fees can be outrageous. When in doubt don't invest. BTW there is at least one lawsuit involving the Wells REIT. I had someone tr...

InvestingMom

I suppose a non-publicly traded REIT is an option. I did not read all of the threads to see if anyone else suggested this. Your thread only caught my eye because I am trying to get rid of the non-publicly traded REIT that my mom was talked into. It is with Wells Capital. Supposedly they will go publ...

InvestingMom

If I were you I would do the following: Set up a target retirment account and a money market account at Vanguard. Put enough cash in the money market to allow for a years worth of her spending (maybe 2 years). In other words the amount of the dividends she needs to supplement her social security. Th...

InvestingMom

I bet they would readily share the information if you gave them a call? Generally I don't think this information is a secret for companies. You might also check the sec site for google, but I can't recall if company plans have to actually file their investments? This might take a bit of time too......

InvestingMom

I bet they would readily share the information if you gave them a call? Generally I don't think this information is a secret for companies. You might also check the sec site for google, but I can't recall if company plans have to actually file their investments? This might take a bit of time too.......

InvestingMom

Thanks Ken,
Do you think you get the same security from the Short term federal fund as the treasuries?
IM

Bogleheads.org

Search found 494 matches

Re: Cap. gains and record date: can it be...?

Let me clarify

Bumping to the top

Re: Cap. gains and record date: can it be...?

Re: Cap. gains and record date: can it be...?

Vanguard or M* for analyzing...or what

Re: Tax Harvesting

Re: tax gain harvesting

Questions

Get back to work folks!

Hard to find

Re: Which account?

Re: how much foreign small cap?

Go for it

Business week article about ETFs

These are worth reviewing every quarter

Re: Non-publicly traded REITS

Non-publicly traded REITS

Target Retirement

Re: Call their HR dept or try SEC site

Call their HR dept or try SEC site

another question