Search found 734 matches

by arf30
Thu May 26, 2016 5:00 pm
Forum: Investing - Theory, News & General
Topic: Estimating taxes on portfolio in Google Sheets
Replies: 4
Views: 833

Re: Estimating taxes on portfolio in Google Sheets

That's not a bad idea, I guess I could use that and average it into the value I retrieved last time.
by arf30
Thu May 26, 2016 7:47 am
Forum: Investing - Theory, News & General
Topic: Estimating taxes on portfolio in Google Sheets
Replies: 4
Views: 833

Estimating taxes on portfolio in Google Sheets

Is anyone doing this? I'm able to estimate yearly fees because the =GOOGLEFINANCE function has an "expenseratio" attribute, but I don't know where to get "total dividends for the year". Is there anywhere to scrape this from the web? Here's an example of the calculation I'm looking to do: VTSAX (100%...
by arf30
Wed May 25, 2016 6:09 pm
Forum: Personal Investments
Topic: Best non-vanguard index fund
Replies: 11
Views: 2195

Re: Best non-vanguard index fund

Have got BlackRock Equity Index Fund T as an option in my 401k, .03% ER, tracks the Russell 1000.
by arf30
Mon May 23, 2016 2:22 pm
Forum: Investing - Theory, News & General
Topic: Bernstein says emergency fund part of your "asset allocation?"
Replies: 62
Views: 9948

Re: Bernstein says emergency fund part of your "asset allocation?"

I hold a "tier 2" emergency fund in VSIGX in my taxable accounts beyond my checking account, just in case things go really south. I count it toward my bond allocation, and don't care if I have to pay a couple bucks extra a year in taxes.
by arf30
Fri May 20, 2016 11:53 am
Forum: Personal Consumer Issues
Topic: How to turn off Vanguard texting security feature
Replies: 21
Views: 8560

Re: How to turn off Vanguard texting security feature

My Accounts -> Account Maintenance -> Security Code -> Disable
by arf30
Wed May 18, 2016 8:24 pm
Forum: Personal Investments
Topic: Target funds in Vanguard IRA?
Replies: 1
Views: 563

Target funds in Vanguard IRA?

Can anyone with an IRA at Vanguard tell me what class of target funds are available? My new employer has VTRLX (Target 2050 institutional, .10 ER). I'm wondering if I should just roll my existing 401k over to them, instead of a rollover IRA at Vanguard where I assume I'll only have access to VFIFX (...
by arf30
Tue May 10, 2016 10:28 am
Forum: Investing - Theory, News & General
Topic: public pension plan unfunded liabilities
Replies: 75
Views: 11756

Re: public pension plan unfunded liabilities

larryswedroe wrote:arf
Wish that were true. In fact muni funds often buy the riskier bonds to boost the yield which is what investors (many) look at more than credit quality.
Thanks for the response. What's the recommendation for the average investor, move to an equivalent duration aggregate bond or treasuries?
by arf30
Tue May 10, 2016 8:38 am
Forum: Investing - Theory, News & General
Topic: public pension plan unfunded liabilities
Replies: 75
Views: 11756

Re: public pension plan unfunded liabilities

How at risk are VWIUX/VWITX? Their actively managed nature should mean the fund managers can remove risky bonds, correct?
by arf30
Sun May 08, 2016 10:38 am
Forum: Personal Investments
Topic: Dodged a bullet, thanks Bogleheads
Replies: 17
Views: 4681

Re: Dodged a bullet, thanks Bogleheads

103% turnover on that fund :shock:
by arf30
Sat May 07, 2016 3:44 pm
Forum: Personal Investments
Topic: Moving Edward Jones to Vanguard
Replies: 40
Views: 6077

Re: Moving Edward Jones to Vanguard

There seem to be a ton of people on here coming from Edward Jones, what part of the country do they operate in? I'd never even heard of them before I started reading this forum.
by arf30
Sat May 07, 2016 11:28 am
Forum: Personal Consumer Issues
Topic: Samsung Pay vs Android Pay?
Replies: 4
Views: 990

Re: Samsung Pay vs Android Pay?

Samsung phones have MST (magnetic secure transmission) that imitates the magnetic strip on a credit card. That's what allows them to work with older terminals that don't support NFC.
by arf30
Wed May 04, 2016 7:25 am
Forum: Investing - Theory, News & General
Topic: How many funds in your portfolio?
Replies: 99
Views: 12899

Re: How many funds in your portfolio?

75% VTSAX
15% VTIAX
10% VWIUX

And a target fund in my retirement account, pretty boring.
by arf30
Sat Apr 30, 2016 10:03 am
Forum: Personal Finance (Not Investing)
Topic: Let's talk banking
Replies: 39
Views: 6174

Re: Let's talk banking

I use TD Bank premier checking, has unlimited ATM refunds, no hidden fees, but a $2500 balance minimum might be a turn off for some people. Also have a Schwab "high interest" checking account, unlimited ATM refunds internationally, no minimums or fees, but it's an online only bank so you can't depos...
by arf30
Wed Apr 27, 2016 12:18 pm
Forum: Personal Investments
Topic: IRA - Target fund vs total market
Replies: 4
Views: 639

IRA - Target fund vs total market

I'm switching employers soon and will be rolling my 401k (~200k in a high ER Blackrock target fund) into a traditional IRA as my current and future employer have very poor fund choices. I'm mid 30s and plan to work another 35 years until retirement. Initially I was going to choose VFIFX (Vanguard ta...
by arf30
Thu Apr 14, 2016 1:45 pm
Forum: Personal Consumer Issues
Topic: Alternatives to Verizon Wireless
Replies: 47
Views: 6966

Re: Alternatives to Verizon Wireless

Cricket (AT&T), Ting (Sprint, Tmo), Project Fi (Sprint, Tmo), Straight Talk (AT&T, Verizon) are all cheap alternatives that I've used.
by arf30
Mon Mar 21, 2016 9:51 am
Forum: Personal Consumer Issues
Topic: Project Fi experience? [WiFi from Google]
Replies: 42
Views: 8272

Re: Project Fi experience? [WiFi from Google]

I switched to Fi from the Cricket $35 plan a few months ago (Nexus 5 and 6P), bills have been in the low $20s and I haven't noticed a difference in reception. The global roaming and WiFi calling is a nice feature, but if I ever start using more data again I'll probably switch back to Cricket.
by arf30
Tue Jan 19, 2016 12:03 am
Forum: Personal Investments
Topic: Any major holes in this portfolio?
Replies: 20
Views: 1436

Re: Any major holes in this portfolio?

Only one target fund? Are you sure there aren't a bunch of target funds with different target dates and asset allocations? If you're holding a target fund which is 70/30 stock/bond AA in 401k, consider switching to another target fund with less stocks say with 30/70 stock/bond AA. This will effecti...
by arf30
Tue Jan 19, 2016 12:03 am
Forum: Personal Investments
Topic: Any major holes in this portfolio?
Replies: 20
Views: 1436

Re: Any major holes in this portfolio?

Only one target fund? Are you sure there aren't a bunch of target funds with different target dates and asset allocations? If you're holding a target fund which is 70/30 stock/bond AA in 401k, consider switching to another target fund with less stocks say with 30/70 stock/bond AA. This will effecti...
by arf30
Tue Jan 19, 2016 12:02 am
Forum: Personal Investments
Topic: Any major holes in this portfolio?
Replies: 20
Views: 1436

Re: Any major holes in this portfolio?

Only one target fund? Are you sure there aren't a bunch of target funds with different target dates and asset allocations? If you're holding a target fund which is 70/30 stock/bond AA in 401k, consider switching to another target fund with less stocks say with 30/70 stock/bond AA. This will effecti...
by arf30
Tue Jan 19, 2016 12:01 am
Forum: Personal Investments
Topic: Any major holes in this portfolio?
Replies: 20
Views: 1436

Re: Any major holes in this portfolio?

Only one target fund? Are you sure there aren't a bunch of target funds with different target dates and asset allocations? If you're holding a target fund which is 70/30 stock/bond AA in 401k, consider switching to another target fund with less stocks say with 30/70 stock/bond AA. This will effecti...
by arf30
Mon Jan 18, 2016 9:31 pm
Forum: Personal Investments
Topic: Any major holes in this portfolio?
Replies: 20
Views: 1436

Re: Any major holes in this portfolio?

Is there a low cost bond fund or high yielding stable value fund available in the 401k? If yes, allocate the entire 401k balance to that, which reduces the need to hold bonds in taxable. If your 401k is 30% or more of total portfolio, this would eliminate the need to hold bonds in the taxable accou...
by arf30
Mon Jan 18, 2016 8:38 pm
Forum: Personal Investments
Topic: Any major holes in this portfolio?
Replies: 20
Views: 1436

Re: Any major holes in this portfolio?

Is VWIUX https://personal.vanguard.com/us/funds/ ... IntExt=INT a good alternative to VBTLX? Similar performance and risk. I have to hold bonds in my taxable account or I'll be off balance in my overall portfolio.
by arf30
Mon Jan 18, 2016 8:14 pm
Forum: Personal Investments
Topic: Any major holes in this portfolio?
Replies: 20
Views: 1436

Re: Any major holes in this portfolio?

My 401k/IRA contributions are all maxed and in low ER target funds. I'll look at changing IRA contributions to bond funds in the future, but they're still only a small percentage of what I contribute to taxable.
by arf30
Mon Jan 18, 2016 7:59 pm
Forum: Personal Investments
Topic: Any major holes in this portfolio?
Replies: 20
Views: 1436

Re: Any major holes in this portfolio?

Ok - I'll research improving tax efficiency, maybe by converting the REIT fund into tax advantaged bonds.
by arf30
Mon Jan 18, 2016 7:30 pm
Forum: Personal Investments
Topic: Any major holes in this portfolio?
Replies: 20
Views: 1436

Any major holes in this portfolio?

I've been using this taxable portfolio for about 5 years and I'm satisfied with it, but I'd like a sense check to make sure there are no major holes in it from a risk or diversification perspective. Age 35, retiring in ~35 years. 60% equities, 30% bonds, 10% REIT, loosely based on the Coffeehouse in...
by arf30
Sat Jan 16, 2016 12:53 pm
Forum: Personal Investments
Topic: Alternatives to Savings Accounts?
Replies: 12
Views: 1458

Re: Alternatives to Savings Accounts?

Gotcha, guess those are off the table then.
by arf30
Sat Jan 16, 2016 12:32 pm
Forum: Personal Investments
Topic: Alternatives to Savings Accounts?
Replies: 12
Views: 1458

Re: Alternatives to Savings Accounts?

No specific goals for the money, just whatever people normally use savings accounts for. Tax exempt bonds would let me take money out without triggering a taxable event, while being almost as liquid (money within a few days). I'm also in a high tax bracket. I also already have separate retirement an...
by arf30
Sat Jan 16, 2016 12:12 pm
Forum: Personal Investments
Topic: Alternatives to Savings Accounts?
Replies: 12
Views: 1458

Alternatives to Savings Accounts?

Currently have a "high yield" savings account at .25%. I know some online banks offer up to 1%, but would it make more sense to transfer the money into a tax exempt muni bond fund instead? I don't mind if it's not super liquid or takes a few days to get money in or out.
by arf30
Fri Oct 17, 2014 1:17 pm
Forum: Personal Consumer Issues
Topic: Smartphone questions
Replies: 107
Views: 14922

Re: Smartphone questions

Have a cheap android phone (LG Nexus 5) that I used with Ting and now StraightTalk. Moto X and G are also recommended. You'll pay under $50 a month with no contract either way. iPhone is likely a better device, but you'll either pay a premium or be stuck with an old one.
by arf30
Sat Sep 06, 2014 5:37 pm
Forum: Personal Consumer Issues
Topic: Vanguard Lost $50k
Replies: 103
Views: 13607

Re: Vanguard Lost $50k

I work for a large corporation that has terrible customer service due to bureaucracy. They consistently lose long time customers due to bungling what start as simple issues. There's no incentive for anyone to stick their neck out to fix a major problem, instead the customer gets ignored or passed ar...
by arf30
Wed Aug 20, 2014 7:05 pm
Forum: Personal Consumer Issues
Topic: Subaru Blues
Replies: 103
Views: 16887

Re: Subaru Blues

Have had close to a dozen Subarus in the (extended) family for the past 15+ years, next to no issues with them. They last forever. You can get a lemon with any brand.
by arf30
Tue Aug 12, 2014 9:56 am
Forum: Personal Consumer Issues
Topic: Which 4 door with 250+ hp
Replies: 105
Views: 13357

Re: Which 4 door with 250+ hp

I've got an '11 WRX 5 door with an aftermarket engine tune that will give you a bit over 300 horsepower (common with these cars), paid about 23.5k new. Highway passing is a breeze and handling is excellent. The AWD is also great in the winter and the car has a ton of interior space. However the ride...
by arf30
Sat Dec 28, 2013 12:18 pm
Forum: Personal Investments
Topic: Is it worth simplifying this portfolio?
Replies: 5
Views: 602

Is it worth simplifying this portfolio?

I've been using one of the "lazy portfolios" recommended on this site for years - but rebalancing is somewhat of a chore, and I'm constantly adjusting the auto purchase percentages on the Vanguard site. I'm wondering if parroting the structure of the Vanguard TR 2045 fund would be simpler with equiv...