Search found 66583 matches

by livesoft
Sun Jul 07, 2019 12:01 pm
Forum: Personal Investments
Topic: Limited international options for retirement account -- which to choose?
Replies: 1
Views: 132

Re: Limited international options for retirement account -- which to choose?

What do you have in your Roth IRA?

I'd buy VSS/VFSAX in the Roth and use the Fidelity index fund in the 403(b) / 457.
by livesoft
Sun Jul 07, 2019 11:53 am
Forum: Personal Investments
Topic: VTI vs VTSAX
Replies: 38
Views: 2958

Re: VTI vs VTSAX

arcticpineapplecorp. wrote:
Sun Jul 07, 2019 11:49 am
no one "should" care. But sometimes people "do" care. I watched my co-worker sell all her stock holdings in 2008 because she freaked out watching the market nose dive. it happens, unfortunately.
As long as she bought back in March 2009, she did alright.
by livesoft
Sun Jul 07, 2019 11:32 am
Forum: Personal Investments
Topic: If I want to time the market
Replies: 59
Views: 2457

Re: If I want to time the market

flyingaway wrote:
Sun Jul 07, 2019 11:23 am
The real question is: where should I put the 20% from the equity if I want to do that (time the market).
I already answered that many posts ago.
by livesoft
Sun Jul 07, 2019 11:21 am
Forum: Investing - Theory, News & General
Topic: Why do Vanguard Target Retirement and LifeStrategy hold "Investor" rather than "Admiral" shares?
Replies: 7
Views: 907

Re: Why do Vanguard Target Retirement and LifeStrategy hold "Investor" rather than "Admiral" shares?

Personally, I think that Vanguard just hasn't updated their web pages. Investor shares don't really exist anymore for the retail investor, do they?
by livesoft
Sun Jul 07, 2019 11:15 am
Forum: Personal Finance (Not Investing)
Topic: Navigating Tax Code Changes
Replies: 9
Views: 996

Re: Navigating Tax Code Changes

I don't stress out over things whether they are in my control or not, but especially if they are not in my control. I realize that other people do not have the same personality that I do. Does that answer your question?
by livesoft
Sun Jul 07, 2019 10:29 am
Forum: Investing - Theory, News & General
Topic: Bogle says [expect lower returns in the future]
Replies: 14
Views: 2209

Re: Bogle says [expect lower returns in the future]

1.6% real return is better than -2% real return from a mattress.
by livesoft
Sun Jul 07, 2019 9:12 am
Forum: Personal Investments
Topic: Retiree with no retirement accounts
Replies: 34
Views: 4348

Re: Retiree with no retirement accounts

The one idea one could think about would be a single premium immediate annuity from part of the money. I agree that this is something to seriously consider. It seems that she doesn't need any emergency money for house repairs nor for a new car. Nor does she have any dependents. Everything points to...
by livesoft
Sun Jul 07, 2019 8:52 am
Forum: Personal Investments
Topic: VTI vs VTSAX
Replies: 38
Views: 2958

Re: VTI vs VTSAX

Good point but most people don't sit and watch their etf all day. True. And the nature of a Flash crash suggests that an Alert sent to one by one's brokerage to one's smart phone would not have been much help as the crash was over before such an alert could be acted upon. OTOH, one would not have t...
by livesoft
Sun Jul 07, 2019 8:49 am
Forum: Personal Investments
Topic: 6M retirement asset allocation and tax advice
Replies: 21
Views: 3322

Re: 6M retirement asset allocation and tax advice

Tax advice: Move away from NY state to a no-income-tax state.
by livesoft
Sun Jul 07, 2019 8:29 am
Forum: Personal Investments
Topic: If I want to time the market
Replies: 59
Views: 2457

Re: If I want to time the market

... maybe I should move my asset allocation to 50/50, and not be labelled ad market timing? Maybe you should not throw red meat around at bogleheads.org and just change your asset allocation with no announcements? :) You could go from 70/30 to 60/40 to 50/50 or whatever, but please don't tell us! :...
by livesoft
Sun Jul 07, 2019 8:01 am
Forum: Personal Investments
Topic: If I want to time the market
Replies: 59
Views: 2457

Re: If I want to time the market

flyingaway wrote:
Sun Jul 07, 2019 7:42 am
I was traveling in Asia and did not bring my laptop. I did not do anything.
And when you got back, what transactions did you make in your portfolio?

Your actions earlier this year will tell us something about your investing personality.
by livesoft
Sun Jul 07, 2019 7:37 am
Forum: Personal Investments
Topic: Asset allocation for a 68 year old Retiree
Replies: 16
Views: 2168

Re: Asset allocation for a 68 year old Retiree

I hear all kinds of percentages .... No one will ever agree what the asset allocation for a 68-year-old Retiree should be. I am in my sixties and retired. I have learned that for the most part it just doesn't matter what one's asset allocation is as long as one can stick to it reasonable well, but ...
by livesoft
Sun Jul 07, 2019 7:24 am
Forum: Personal Investments
Topic: If I want to time the market
Replies: 59
Views: 2457

Re: If I want to time the market

flyingaway wrote:
Sun Jul 07, 2019 6:03 am
I am currently at 70/30, so it would be something like 50/50.
This 20% change is really not as big a deal as others are making it out to be. Many people would be surprised at how little it will change intermediate-term outcomes. Hmmm, maybe I should do this myself?
by livesoft
Sun Jul 07, 2019 7:19 am
Forum: Personal Investments
Topic: If I want to time the market
Replies: 59
Views: 2457

Re: If I want to time the market

Since the market had dropped from earlier highs in the Fall later on 12/24/2018 by 20%, can you please tell me what you did that day or on 12/26?
by livesoft
Sun Jul 07, 2019 7:13 am
Forum: Personal Investments
Topic: VTI vs VTSAX
Replies: 38
Views: 2958

Re: VTI vs VTSAX

Make no mistake: The Flash Crash of 2010 was a fantastic buying opportunity for folks who use ETFs. Mutual fund share owners had no chance to make extra money that day. And yes, shortly thereafter NAVs of the ETF and mutual fund shares re-aligned. So if you are in the accumulation phase, you should ...
by livesoft
Sat Jul 06, 2019 7:23 pm
Forum: Investing - Theory, News & General
Topic: [Why should I invest in a bond index fund, when to invest?]
Replies: 16
Views: 884

Re: What would be a good reason to invest in a bond index fund?

Total Bond Index is up 6% YTD while MM is up less than 2% year-to-date. So a reason is: Make Mo' Money!
by livesoft
Sat Jul 06, 2019 6:54 pm
Forum: Personal Investments
Topic: If I want to time the market
Replies: 59
Views: 2457

Re: If I want to time the market

That's true. One can always get lucky. And if they are unlucky they will not be hurt by more than about 2% to 6%. This forum exaggerates the effects of bad luck in most instances. I am assuming use of index funds with low expense ratios and not paying advisor fees as well as decent tax management.
by livesoft
Sat Jul 06, 2019 6:45 pm
Forum: Personal Investments
Topic: If I want to time the market
Replies: 59
Views: 2457

Re: If I want to time the market

To time the market, you'd have to decide to get back in. To time the market successfully, you have to be right twice. You have to get out at the right time and get back in at the right time. That's rather difficult for most. One doesn't have to time the market successfully in order to come out ahea...
by livesoft
Sat Jul 06, 2019 4:50 pm
Forum: Personal Investments
Topic: Should we invest in an island home?
Replies: 25
Views: 4127

Re: Should we invest in an island home?

Alameda? You could rent it out and it is closer to home.
by livesoft
Sat Jul 06, 2019 4:29 pm
Forum: Personal Finance (Not Investing)
Topic: Homeowner's dilemma
Replies: 6
Views: 979

Re: Homeowner's dilemma

If pipes are from a lawn watering system, then you should just repair them yourself for less than $50 worth of parts. If you did not tell tree service locations of pipes, I don't think you can get ask them for anything legitimately, but you can certainly ask them for $500 off. Don't let somebody rip...
by livesoft
Sat Jul 06, 2019 4:03 pm
Forum: Personal Investments
Topic: If I want to time the market
Replies: 59
Views: 2457

Re: If I want to time the market

No equity, no bonds, then the answer is T-bills of 3 months or less. Or a money market or a savings account or all of the abvoe. Do you have objections to any of these? If so, what are they and why?
by livesoft
Sat Jul 06, 2019 1:55 pm
Forum: Personal Consumer Issues
Topic: Boston travel ideas (was New England generally)
Replies: 51
Views: 3056

Re: Boston travel ideas (was New England generally)

I'm maybe a bit spoiled. Maybe, but I suspect you are old, so you have Been There; Done That so many times that there is not much anymore to excite you. I always read these "What To Do In X" and have to laugh at the responses because most of the things suggested would be totally boring to me. But I...
by livesoft
Sat Jul 06, 2019 1:47 pm
Forum: Investing - Theory, News & General
Topic: Bond ETFs are in RBD mode
Replies: 12
Views: 1434

Re: Bond ETFs are in RBD mode

Bonds are for safety, but they are not safe.
by livesoft
Sat Jul 06, 2019 11:14 am
Forum: Personal Consumer Issues
Topic: HVAC possibly damaged by lightening
Replies: 10
Views: 650

Re: HVAC possibly damaged by lightening

Lightning struck my neighbor's 80 ft pine tree tree and blew all the bark off of it leaving debris in a wide circle. A few hours later we noticed that one of our outdoor AC compressors on the opposite side of the house had the input electrical connection blown clean off. The lugs on the ends of the ...
by livesoft
Sat Jul 06, 2019 8:39 am
Forum: Investing - Theory, News & General
Topic: Asset Allocation Taxable vs Tax Deferred
Replies: 4
Views: 451

Re: Asset Allocation Taxable vs Tax Deferred

I use one asset allocation for my entire portfolio which means all my accounts (including taxable) do not have the same asset allocation. That means I use different models for taxable (100% equities) and tax-advantaged (equities and fixed income). I wonder if there is a bogleheads.org wiki article a...
by livesoft
Sat Jul 06, 2019 8:37 am
Forum: Personal Finance (Not Investing)
Topic: Article: From Two Jobs to One, a Second Childhood Begins
Replies: 2
Views: 668

Re: Article: From Two Jobs to One, a Second Childhood Begins

I read tfb's article. It is a typical "I quit my job and will do some self-employment part-time gig going forward" article. If you want more of these kinds of things, there is an early-retirement forum: http://www.early-retirement.org/forums/f21/ that is not as stuffy as bogleheads.org or at least n...
by livesoft
Sat Jul 06, 2019 8:32 am
Forum: Investing - Theory, News & General
Topic: Tax Free Bond Funds beating Taxable?
Replies: 7
Views: 799

Re: Tax Free Bond Funds beating Taxable?

All my bond funds still have their pants on, so can you please share some actual data?
by livesoft
Sat Jul 06, 2019 8:04 am
Forum: Investing - Theory, News & General
Topic: My Bond Fund took hit Friday
Replies: 14
Views: 1772

Re: My Bond Fund took hit Friday

It is possible as you have discovered, but it is not normal unless normal means once every few years or so. Also note that intraday changes of that magnitude are more common, but only the ones that stick to the end of the day are seen by bond mutual fund share owners. Even bond ETF share owners may ...
by livesoft
Sat Jul 06, 2019 7:18 am
Forum: Personal Finance (Not Investing)
Topic: Land in FEMA Flood Plain
Replies: 23
Views: 1624

Re: Land in FEMA Flood Plain

You also need to remember that if you are in a 100 year flood zone for 10 years then there is a about a 10% change that you would be flooded. The same is true if you are in a 250 or 500 year zone for 25 or 50 years. Except when flood zones are adjusted by politics which is almost 100% of the time. ...
by livesoft
Fri Jul 05, 2019 7:06 pm
Forum: Personal Investments
Topic: Invest $2-3M now and how? Index vs self made stock portfolio? How's my Portfolio?
Replies: 111
Views: 6429

Re: Invest $2-3M now and how? Index vs self made stock portfolio? How's my Portfolio?

There are quite a few posts from people looking for advice on how to get out of a 100 stock or 200+ stock portfolio that their advisor had them in. I do not recall anyone looking on advice on how to get out of an index fund portfolio to go into a 200+ stock portfolio. But I'll be frank: I would love...
by livesoft
Fri Jul 05, 2019 5:51 pm
Forum: Personal Investments
Topic: Invest $2-3M now and how? Index vs self made stock portfolio? How's my Portfolio?
Replies: 111
Views: 6429

Re: Invest $2-3M now and how? Index vs self made stock portfolio? How's my Portfolio?

I think you need to have a handful of index funds in order to compare your stocks and index funds performances. Do you know how to do all the bookkeeping and taxes for your stocks? Do you know how to accurately determine the performance of your portfolio? Do you know how to create an index fund benc...
by livesoft
Fri Jul 05, 2019 4:32 pm
Forum: Personal Investments
Topic: FIRST POST - Portfolio Review - Please
Replies: 37
Views: 3967

Re: FIRST POST - Portfolio Review - Please

Well, count me impressed! :beer
by livesoft
Fri Jul 05, 2019 3:22 pm
Forum: Personal Investments
Topic: How does tax with-holding work for International funds in retirement accounts
Replies: 11
Views: 664

Re: How does tax with-holding work for International funds in retirement accounts

Thesaints wrote:
Fri Jul 05, 2019 3:15 pm
In a taxable account you could deduct them, but not if held in a Roth.
"deduct" is not the proper verb here. You do not get to deduct them at all and they do get included in your AGI if you held the shares in a taxable account.
by livesoft
Fri Jul 05, 2019 3:03 pm
Forum: Personal Investments
Topic: Tax loss harvesting VFMO momentum ETF
Replies: 4
Views: 164

Re: Tax loss harvesting VFMO momentum ETF

I don't have it in my taxable account because I am no longer contributing to my taxable account and I am not selling any shares at a loss in my taxable account anymore because all the shares in my taxable account were purchased ages ago and all have decent gains. Basically, my TLH days are over and ...
by livesoft
Fri Jul 05, 2019 2:51 pm
Forum: Personal Investments
Topic: Tax loss harvesting VFMO momentum ETF
Replies: 4
Views: 164

Re: Tax loss harvesting VFMO momentum ETF

I have MTUM, but would never own it in a taxable account. I sell/buy in rebalancing moves at least once every 6 months. MTUM is about 10% of my total portfolio.
by livesoft
Fri Jul 05, 2019 2:34 pm
Forum: Personal Investments
Topic: How does tax with-holding work for International funds in retirement accounts
Replies: 11
Views: 664

Re: How does tax with-holding work for International funds in retirement accounts

Foreign taxes owed by the holdings in a mutual fund are paid by the mutual fund as an expense to the mutual fund. Share owners of the mutual fund are not responsible for those taxes.
by livesoft
Fri Jul 05, 2019 2:14 pm
Forum: Personal Finance (Not Investing)
Topic: 50-60k boat purchase??
Replies: 82
Views: 4601

Re: 50-60k boat purchase??

Of course you should buy the boat and a few more as well. Full disclosure: My relatives are part owners of a boat company. I don't understand why you would stop taxable contributions for the next year. All you have to do is keep the contributions up and just sell shares when you need the cash to buy...
by livesoft
Fri Jul 05, 2019 1:59 pm
Forum: Personal Investments
Topic: Why did SPTL drop today?
Replies: 6
Views: 711

Re: Why did SPTL drop today?

It dropped because it went up way too much in the past few weeks. Basically expectations for interest rates going lower were higher before today than they are after this morning's announcement. It is one of the top news articles of today.
by livesoft
Fri Jul 05, 2019 1:56 pm
Forum: Personal Finance (Not Investing)
Topic: Adult child - cars & residency
Replies: 14
Views: 1105

Re: Adult child - cars & residency

My son is in graduate school. He has an old family car at school with him. The car is titled in his parents' name. He is on his parents' car insurance which is inexpensive. His dad called his insurance company and asked for advice and they suggested the solution that this family is using. My advice:...
by livesoft
Fri Jul 05, 2019 1:52 pm
Forum: Personal Investments
Topic: VTI vs VTSAX
Replies: 38
Views: 2958

Re: VTI vs VTSAX

There are fees to buy VTI at TDAmeritrade. There are even higher fees to buy VTSAX at TDAmeritrade. I would not buy VTI nor VTSAX at TDAmeritrade because of the high fees. Instead I would buy SPTM at TDAmertrade because there are no fees to do so. Full disclosure: I own VTI and SPTM, but not VTSAX. ...
by livesoft
Fri Jul 05, 2019 1:21 pm
Forum: Personal Finance (Not Investing)
Topic: Preparing my wife for financial life without me.
Replies: 95
Views: 10581

Re: Preparing my wife for financial life without me.

MikeG62 wrote:
Fri Jul 05, 2019 10:51 am
Truly a case of a picture being worth a thousand words (or in this case numbers).
I have to wonder if this was just coincidental to her learning that the spouses of two of her friends died.
by livesoft
Fri Jul 05, 2019 11:33 am
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 11060
Views: 1939713

Re: U.S. stocks in free fall

Coburn wrote:
Fri Jul 05, 2019 11:26 am
I can smell the avarice on this one, Obi-san!!!! My first Star Wars reference, ever...imagine that. And I despise those movies.
I was thinking of an elderly gentleman wearing 14 belts with his kimono.
by livesoft
Fri Jul 05, 2019 11:31 am
Forum: Investing - Theory, News & General
Topic: Bond ETFs are in RBD mode
Replies: 12
Views: 1434

Re: Bond ETFs are in RBD mode

whodidntante wrote:
Fri Jul 05, 2019 11:13 am
But it's a Friday. You really have to review your own rules, livesoft. :happy
There are rules for equity funds and other rules. I learned that I have to keep some secrets, too, otherwise everybody would be market timing along with me.
by livesoft
Fri Jul 05, 2019 11:29 am
Forum: Personal Investments
Topic: Best way to plan for $620K long term capital gains?
Replies: 18
Views: 2344

Re: Best way to plan for $620K long term capital gains?

One is going to have to check any advice of the accountant no matter what anyways. So I would get out my tax prep software and run some scenarios for selling shares. It is pretty easy to do, so there is no excuse for not going into this with eyes wide open.
by livesoft
Fri Jul 05, 2019 10:08 am
Forum: Personal Finance (Not Investing)
Topic: Preparing my wife for financial life without me.
Replies: 95
Views: 10581

Re: Preparing my wife for financial life without me.

ruralavalon wrote:
Fri Jul 05, 2019 9:26 am
You tried to explain to her.

All you can do is all you can do.
One can also cancel all the credit cards and close the checking acccount. Then see if their eyes open up. Be prepared though to start doing your own laundry, shopping, and meal prep.
by livesoft
Fri Jul 05, 2019 9:55 am
Forum: Investing - Theory, News & General
Topic: Bond ETFs are in RBD mode
Replies: 12
Views: 1434

Re: Bond ETFs are in RBD mode

FWIW, several Vanguard bond ETFs had today as a payable date for the July dividend. Also non-Vanguard bond ETFs have 7/8 as the payable date, so there will be "forced" buying of bond ETF shares when those dividends are automatically reinvested.
by livesoft
Fri Jul 05, 2019 9:49 am
Forum: Personal Consumer Issues
Topic: Cleaning bugs off car bumper
Replies: 32
Views: 2297

Re: Cleaning bugs off car bumper

Hot, hot water - and soap. Apply repeatedly to bring the cool metal surface up to temperature and most of the bugs will easily wash off. I like the science: Different thermal expansion coefficients for the bug guts and the car metal. This suggests that icing down first, then hot water will work eve...
by livesoft
Fri Jul 05, 2019 9:18 am
Forum: Investing - Theory, News & General
Topic: Bond ETFs are in RBD mode
Replies: 12
Views: 1434

Bond ETFs are in RBD mode

How often does a bond ETF fall more than 0.6% from the previous day's close (not counting going ex-dividend)? Once a year? Twice a year?
by livesoft
Fri Jul 05, 2019 9:14 am
Forum: Personal Finance (Not Investing)
Topic: How much did FIRE affect your SS payments?
Replies: 17
Views: 2439

Re: How much did FIRE affect your SS payments?

Maybe by $50 a month. I cannot remember exactly, but it wasn't much. I think you can go to your SS account and get it calculated easily --- at least I recall doing the calculation that way.