Search found 994 matches

by FillorKill
Thu Mar 31, 2016 4:59 pm
Forum: Investing - Help with Personal Investments
Topic: Index vs ETFs
Replies: 8
Views: 747

Re: Index vs ETFs

Any chance the GD stock in the 401(k) could have something to do with NUA rules? I assumed not based on: "There are no restrictions on selling the stocks". But who's to say if that comment was meant to apply to all accounts or just the taxable positions. Hopefully we'll get clarification as that wo...
by FillorKill
Thu Mar 31, 2016 4:41 pm
Forum: Investing - Help with Personal Investments
Topic: Index vs ETFs
Replies: 8
Views: 747

Re: Index vs ETFs

Your biggest current risk is having so much of your portfolio tied-up in GD stock. I would immediately sell all of the GD stock in the 401 and all of the Apple stock in the rollover IRA. You also appear to have a higher equity allocation than necessary. Based on your situation an equity allocation o...
by FillorKill
Thu Mar 31, 2016 3:09 pm
Forum: Investing - Theory, News & General
Topic: Anything new in SCV in past 9 months [Small-Cap Value]
Replies: 8
Views: 1539

Re: Anything new in SCV in past 9 months [Small-Cap Value]

I forget the thread I read at one point, but one poster (or group of posters) noted that the tilts could be implemented with a 4-square : US Lrg Blend, US Sm Value, International Lrg Value, International Sm Blend. (If I were going to implement their ideas in my Roth that might look like VOO, VBR, E...
by FillorKill
Thu Mar 31, 2016 12:40 pm
Forum: Investing - Help with Personal Investments
Topic: Index vs ETFs
Replies: 8
Views: 747

Re: Index vs ETFs

srf wrote:So, I've decided to just buy some index or ETF funds. Can anyone tell me the difference in the two
:shock: Whoa! Pump the brakes before you do something you may regret. Can you repost your info?
by FillorKill
Thu Mar 31, 2016 12:23 pm
Forum: Investing - Theory, News & General
Topic: Anything new in SCV in past 9 months [Small-Cap Value]
Replies: 8
Views: 1539

Re: Anything new in SCV in past 9 months [Small-Cap Value]

But only if there were cheap index funds for me to do it, properly, across all asset classes: US large and small, International large and small, Emerging Markets maybe large and small. I know some people use Wisdom Tree and Schwab Fundamental and are fine with it, but I just don't know... I feel yo...
by FillorKill
Wed Mar 30, 2016 10:40 am
Forum: Investing - Theory, News & General
Topic: Anything new in SCV in past 9 months [Small-Cap Value]
Replies: 8
Views: 1539

Re: Anything new in SCV in past 9 months

I took a bit of a hiatus for the past 9 months. 1) Anything new and promising in the SCV space? 2) Really hoping for an Ex-US SCV fund while I was away :P 1) Not that I know of.... Some nice TLH/rebalancing opportunities earlier in the quarter 2) Me too. I won't even be greedy and request two of th...
by FillorKill
Wed Mar 30, 2016 8:12 am
Forum: Investing - Theory, News & General
Topic: Unconventional Investing
Replies: 19
Views: 2646

Re: Unconventional Investing

I am very interested in building sound investing principles and have been very satisfied with the boglehead approach. I assessed our risk tolerance, devised a stock vs bond allocation, used low cost admiral funds to fill each subset, and designed an excel spreadsheet to help me rebalance quarterly ...
by FillorKill
Tue Mar 29, 2016 2:54 pm
Forum: Personal Finance (Not Investing)
Topic: What is your current Cash to Investment ratio?
Replies: 112
Views: 9145

Re: What is your current Cash to Investment ratio?

Around 0.4% - should I subtract the interest free loan I have from Vanguard? I see that more as a payable than negative cash but I'm not a CPA.
by FillorKill
Tue Mar 29, 2016 9:44 am
Forum: Investing - Theory, News & General
Topic: Investing into Vanguard 500 Index
Replies: 8
Views: 1311

Re: Investing into Vanguard 500 Index

Your current 10K @ 187.84 grows to 26.6K when 187.84 increases to 500.00. What about that?
by FillorKill
Mon Mar 28, 2016 5:01 pm
Forum: Investing - Theory, News & General
Topic: No Intl. DM, Just Intl. EM? [International Developed Markets, Emerging Markets]
Replies: 23
Views: 2953

Re: No Intl. DM, Just Intl. EM?

QuietWealth wrote: Just for clarity...Here are 3 portfolios scenarios (60 S/40 B US only, 40 US S/20 DM S/40 US B and 40 US S/20 EM S/40 US B) and how they look from 1972 - 2015
FWIW you can get similar results with 40 US S/10 EM/10 Int Small/40 US B. More diversification.
by FillorKill
Mon Mar 28, 2016 2:43 pm
Forum: Personal Finance (Not Investing)
Topic: Investing Young + LBYM = No Corp Ladder
Replies: 92
Views: 11067

Re: Investing Young + LBYM = No Corp Ladder

investingdad wrote:All I know is this....I REALLY wish I could go back in time twenty years to the day I decided at 23 to make retirement investing a priority and treat that kid I used to be to a $100 case of beer....
Maybe you should go back and give him a six-pack of Schlitz and put $97 in his portfolio.
by FillorKill
Thu Mar 24, 2016 8:38 am
Forum: Investing - Help with Personal Investments
Topic: Transferring old IRAs to Vanguard?
Replies: 4
Views: 313

Re: Transferring old IRAs to Vanguard?

What types of investments can and can't be transferred to Vanguard in kind? Investments you can transfer in kind include: • Stocks. • Bonds. • Most options. • Exchange-traded funds (ETFs). • Unit investment trusts. • Certificates of deposit (CDs) held in a brokerage account. • Most mutual funds (alt...
by FillorKill
Wed Mar 23, 2016 5:10 pm
Forum: Investing - Theory, News & General
Topic: Vang. Targ. Ret. 2055 & 2060 Which one to get...?
Replies: 4
Views: 563

Re: Vang. Targ. Ret. 2055 & 2060 Which one to get...?

opus131 wrote:Would it make sense to just go more aggressive with the 2060 fund for the time being?
Sure...

2055 AA:
89.79 Stock
10.07 Bonds
0.14 Short term reserves

2060 AA:
89.89 Stock
10.06 Bonds
0.05 Short term reserves

Go crazy. :beer
by FillorKill
Wed Mar 23, 2016 8:15 am
Forum: Investing - Theory, News & General
Topic: Value Portfolio Tracking...Feedback
Replies: 2
Views: 395

Re: Value Portfolio Tracking...Feedback

10% LT US Treasuries (TLT) 10% IT US Treasuires (IEF) 10% ST US Treasuries (SST) 10% US TIPS (TIP) Any thought's on this? OK, since you asked - here's my nitpicking of your proposed FI: Drop the short treasuries in favor of a) 10 TLT/10 IEF/10 LTPZ/10 TIP or b) 20 IEF/20 TIP. Either way 50:50 nomin...
by FillorKill
Wed Mar 23, 2016 7:54 am
Forum: Investing - Theory, News & General
Topic: Value Portfolio Tracking...Feedback
Replies: 2
Views: 395

Re: Value Portfolio Tracking...Feedback

QuietWealth wrote:...but is it so tilted that no one would ever invest in it?
Not at all - go for it. Here's a VG-only ETF port I'd consider if starting from scratch and constrained in that way....

Equity:
20% MV - 50:50 VOE/IVOV
20% SV - 50:50 VBR/VIOV
20% ISB - VSS
20% EM - VWO

FI:
10% VGIT
10% VCSH
by FillorKill
Tue Mar 22, 2016 5:51 pm
Forum: Investing - Help with Personal Investments
Topic: Confused by Tax loss Harvesting (TLH)
Replies: 9
Views: 860

Re: Confused by Tax loss Harvesting (TLH)

I still don't understand it. Can someone explain it using the OP's example/numbers (filling in capital gains, etc)? The OP example may be confusing because it would be unusual to liquidate your positions in that way. Anyone that were going to do that need not bother with TLH in the first place (see...
by FillorKill
Tue Mar 22, 2016 2:21 pm
Forum: Investing - Help with Personal Investments
Topic: Confused by Tax loss Harvesting (TLH)
Replies: 9
Views: 860

Re: Confused by Tax loss Harvesting (TLH)

How is this any different from me sitting on $1M of VTI, letting it drop $500k, then rise again to $1.5M also realizing a 500k gain? It isn't. Simplifying your example: day 1 buy 1M VTI, day 2 50% loss and TLH (or don't - scenario 2), day 3 VTI & VWO triple in value and you sell your respective pos...
by FillorKill
Mon Mar 21, 2016 8:09 am
Forum: Personal Finance (Not Investing)
Topic: $1 Million+ Nest Egg From Less Than $100k Yearly Income
Replies: 45
Views: 9695

Re: $1 Million+ Nest Egg From Less Than $100k Yearly Income

Non7WoodUser wrote:How long did it take you to reach $1,000,000?
Which time?
by FillorKill
Fri Mar 18, 2016 8:05 am
Forum: Investing - Help with Personal Investments
Topic: Three-fund portfolio configuration question
Replies: 14
Views: 1933

Re: Three-fund portfolio configuration question

Also, FillorKill and kenner, Any suggestions on proportions of TSM & TISM in the Roth and taxable? Along the lines of the equity split. 70:30 TSM/TISM would be fine. Please note that my prior comments upstream were regarding broad lifecycle tax management techniques. What followed was a more narrow...
by FillorKill
Thu Mar 17, 2016 9:30 am
Forum: Investing - Theory, News & General
Topic: Looking for clarification on Foreign Tax Credit
Replies: 13
Views: 1249

Re: Looking for clarification on Foreign Tax Credit

Using that example you posted.... Start: 1000 divs reported Tax on 300 unqualified = 75 Tax on 700 qualified = 105 1000 divs minus 180 tax = 820 net Now factor in 70 in foreign taxes withheld and then add the 70 back when you take the FTC on the back half of the 1040. No difference - still 820 after...
by FillorKill
Wed Mar 16, 2016 5:14 pm
Forum: Investing - Help with Personal Investments
Topic: Three-fund portfolio configuration question
Replies: 14
Views: 1933

Re: Three-fund portfolio configuration question

It's fine. You could keep proportions of TSM & TISM in the Roth and taxable. On the plus side you get more TLH opportunities in the taxable account but you'll lose a little FTC. As far as the Roth goes you want the highest returning assets in there. US equity has been the outperformer for a long tim...
by FillorKill
Wed Mar 16, 2016 3:25 pm
Forum: Personal Finance (Not Investing)
Topic: Withdraw from taxable account or pay early withdrawal on CD?
Replies: 7
Views: 859

Re: Withdraw from taxable account or pay early withdrawal on CD?

Triple digit golfer wrote:However, at current prices, I'll end up with about a $500 short-term capital gain if I withdraw from the taxable account. I'm in the 25% tax bracket which will be a $125 tax hit.
Maybe you can eliminate that tax hit depending on the TLH opportunities presented throughout the remainder of 2016.
by FillorKill
Wed Mar 16, 2016 10:45 am
Forum: Personal Finance (Not Investing)
Topic: Withdraw from taxable account or pay early withdrawal on CD?
Replies: 7
Views: 859

Re: Withdraw from taxable account or pay early withdrawal on CD?

Am I missing anything? I would pull from taxable as well. You appear to be increasing, not maintaining, your equity AA as a bi-product of your proposal - net result (10K) total bond. Not sure what you port size is or if this will make a material difference to you or not. Looks like the real questio...
by FillorKill
Thu Mar 10, 2016 11:24 am
Forum: Investing - Theory, News & General
Topic: "Find out if your [Vanguard] fund is declaring a quarterly dividend in March."
Replies: 21
Views: 3630

Re: "Find out if your [Vanguard] fund is declaring a quarterly dividend in March."

Switching topic a little bit: I once read here that saving one's carryover losses for too long may not be a good idea because of inflation. That is $3,000 in 10 years will not be worth the same as $3,000 today. Is that a concern to anyone? I hoped you'd get more of a response to this. The fact that...
by FillorKill
Thu Mar 10, 2016 8:57 am
Forum: Investing - Theory, News & General
Topic: "Find out if your [Vanguard] fund is declaring a quarterly dividend in March."
Replies: 21
Views: 3630

Re: "Find out if your [Vanguard] fund is declaring a quarterly dividend in March."

Switching topic a little bit: I once read here that saving one's carryover losses for too long may not be a good idea because of inflation. That is $3,000 in 10 years will not be worth the same as $3,000 today. Is that a concern to anyone? Not to me. I expect to die with my taxable account largely ...
by FillorKill
Thu Mar 10, 2016 8:10 am
Forum: Investing - Theory, News & General
Topic: "Find out if your [Vanguard] fund is declaring a quarterly dividend in March."
Replies: 21
Views: 3630

Re: "Find out if your [Vanguard] fund is declaring a quarterly dividend in March."

It is an interesting question to ponder: how much in carryover losses should you be willing to spend in order to save a dollar in taxes? As I see it, 120K in carryforwards is a floor that gives me everything I need to work with. The idea is that 30K is 10 years worth of -3K on line 13. The addition...
by FillorKill
Wed Mar 09, 2016 11:25 am
Forum: Investing - Theory, News & General
Topic: "Monitor Your Portfolio Once This Year, Then Ignore It"
Replies: 53
Views: 8636

Re: "Monitor Your Portfolio Once This Year, Then Ignore It"

I agree. But this is hard for some people. It would be interesting to uncover the reasons underlying why some people need to look frequently and others don't. :happy Yes, it's very hard to have a decent TLH program going if you only look once a year. A large book of carryforwards is very valuable t...
by FillorKill
Tue Mar 08, 2016 6:19 pm
Forum: Investing - Theory, News & General
Topic: Michael Kitces says IRS auditors disapprove of Backdoor Roth IRA's
Replies: 160
Views: 27816

Re: Michael Kitces says IRS auditors disapprove of Backdoor Roth IRA's

I'm especially circumspect regarding the close-order fund-and-convert technique. Perhaps the IRS could use the step transaction doctrine to successfully attack the successive transactions required to accomplish that. See example 10 on page 9 for a reasonably compelling argument. http://poseidon01.ss...
by FillorKill
Mon Mar 07, 2016 10:22 am
Forum: Investing - Help with Personal Investments
Topic: IRA Allocation
Replies: 1
Views: 271

Re: IRA Allocation

The question then is this: Should my tax-exempt account prioritize Vanguard S&P 500 or Vanguard Extended Market? The case for Vanguard Extended Market is that it has a higher expected return so that return should be placed in the tax defered account. The case for Vanguard S&P 500 is that the divide...
by FillorKill
Mon Mar 07, 2016 9:58 am
Forum: Investing - Help with Personal Investments
Topic: ETF advice
Replies: 3
Views: 617

Re: ETF advice

1. No and no. Your best VG option if you're trying to get as small as possible is the S&P 600 series of ETFs - VIOO/VIOV/VIOG 2. No and yes. VSS is your best option. 3. No in terms of an ETF alternative, yes in that VWEAX is the closest VG alternative available. VWEAX holds a higher quality portfoli...
by FillorKill
Fri Mar 04, 2016 4:51 pm
Forum: Investing - Help with Personal Investments
Topic: Which actively managed funds will outperform TSM (US) over the next 20 years?
Replies: 15
Views: 1865

Re: Which actively managed funds will outperform TSM (US) over the next 20 years?

Renaissance Technologies Medallion fund Why? They've got a better mousetrap until proven otherwise. Remember the lost decade? No such thing for them: "From 2001 through 2013, the fund’s worst year was a 21 percent gain, after subtracting fees. Medallion reaped a 98.2 percent gain in 2008, the year t...
by FillorKill
Fri Mar 04, 2016 2:40 pm
Forum: Investing - Help with Personal Investments
Topic: Coffeehouse meets Ultimate Buy & Hold (or how to increase international exposure)
Replies: 24
Views: 3177

Re: Coffeehouse meets Ultimate Buy & Hold (or how to increase international exposure)

Thanks! I'm not sure if I want to be exactly market weight, though. Otherwise I could, as you pointed out, simply increase VXUS to 50% of my portfolio. VXUS tends to underperform however, compared to a combination of either 50% Intl Value + 50% Intl Small Caps or 50% Intl Developed + 50% Intl Small...
by FillorKill
Fri Mar 04, 2016 10:49 am
Forum: Investing - Theory, News & General
Topic: Just lost 4.08% on Forever stamps.
Replies: 63
Views: 9075

Re: Just lost 4.08% on Forever stamps.

nisiprius wrote:Of course, the stamps I have will still do the same thing I bought them for--they will still send 100 letters the same distance in April as they will today--so maybe I haven't actually lost anything.
Careful with the regret avoidance / rationalizing. Slippery slope that.
by FillorKill
Fri Mar 04, 2016 10:35 am
Forum: Investing - Help with Personal Investments
Topic: Coffeehouse meets Ultimate Buy & Hold (or how to increase international exposure)
Replies: 24
Views: 3177

Re: Coffeehouse meets Ultimate Buy & Hold (or how to increase international exposure)

Pair VSS with VEU or you're below market weighting for EM - VEA lacks EM, VEU gets you market weight (as does your current holding VXUS - if this is in taxable, TLH will likely have you moving back and forth between the two).
by FillorKill
Tue Mar 01, 2016 6:24 pm
Forum: Personal Finance (Not Investing)
Topic: Is it risky to have all your money in one place?
Replies: 19
Views: 2301

Re: Is it risky to have all your money in one place?

betterfinances wrote:It looks like Bogleheads just saved you a ton of money
And the wife will be happy - win/win
by FillorKill
Tue Mar 01, 2016 6:08 pm
Forum: Personal Finance (Not Investing)
Topic: Is it risky to have all your money in one place?
Replies: 19
Views: 2301

Re: Is it risky to have all your money in one place?

The ERs at TSP are 0.29% for all funds. TSP ER is 0.029%. "Expense ratios may also be expressed in basis points. One basis point is 1/100th of one percent, or .01%. Therefore, the 2015 TSP net expense ratio* of .029% is 2.9 basis points. Expressed either way, this means that expenses charged to eac...
by FillorKill
Tue Mar 01, 2016 1:54 pm
Forum: Personal Finance (Not Investing)
Topic: Is it risky to have all your money in one place?
Replies: 19
Views: 2301

Re: Is it risky to have all your money in one place?

The better question: why would you give up access to your TSP in favor of Vanguard or Fidelity? I would love to have access to those ERs - and the G fund.... Many features of the TSP just can't be beat.
by FillorKill
Tue Mar 01, 2016 1:36 pm
Forum: Investing - Help with Personal Investments
Topic: Another wash sale question (VFIRX to FSBAX)
Replies: 1
Views: 253

Re: Another wash sale question (VFIRX to FSBAX)

I don't see those as substantially identical. The first, and probably most important distinction, is that one is actively managed while the other is an index strategy. Fairmark suggests: "A managed fund should not be considered substantially identical to an index fund (although even here the IRS cou...
by FillorKill
Fri Feb 26, 2016 10:45 am
Forum: Investing - Theory, News & General
Topic: [Vanguard announces 3rd round of Expense Ratio reductions]
Replies: 43
Views: 5192

Re: Vanguard announces more ER reductions

Excellent - thank you. Dropped my combined weighted ER from .10 to .09. Not bad for a high-tilt set-up.
by FillorKill
Thu Feb 25, 2016 5:50 pm
Forum: Investing - Theory, News & General
Topic: How has market regulation changed since 2008 Financial Crisis?
Replies: 17
Views: 1434

Re: How has market regulation changed since 2008 Financial Crisis?

Fat-Tailed Contagion wrote: Thank you :beer
No problem. You may find the publications created by the committee on the global financial system (CGFS) of interest. Their reports are posted here: http://www.bis.org/list/cgfs/index.htm?m=3%7C15%7C569
by FillorKill
Fri Feb 19, 2016 11:50 am
Forum: Investing - Help with Personal Investments
Topic: Can someone help me Mimic the 3 Fund Portfolio (Total Stock, Inter., Bond) that I can choose at my company from Boeing?
Replies: 45
Views: 2775

Re: Can someone help me Mimic the 3 Fund Portfolio (Total Stock, Inter., Bond) that I can choose at my company from Boei

It was kind of a joke :) I thought about 5........why do you think I need the Stable fund instead of less Bond? You don't :D . I think the difference between 50/50 bond/stable v. 100% bond index is insignificant and won't matter much at all. That's just what I would do. Interest rates up sharply (o...
by FillorKill
Fri Feb 19, 2016 11:39 am
Forum: Investing - Help with Personal Investments
Topic: Can someone help me Mimic the 3 Fund Portfolio (Total Stock, Inter., Bond) that I can choose at my company from Boeing?
Replies: 45
Views: 2775

Re: Can someone help me Mimic the 3 Fund Portfolio (Total Stock, Inter., Bond) that I can choose at my company from Boei

Fieldsy1024 wrote: I must invest in Boeing.
You must, or you insist? No difference I suppose.... Just curious. How about:

SP500 40%
Russ 2000 15%
International Idx 20%
Bond Idx 10%
Boeing Stock 5%
Stable Value 10%
by FillorKill
Fri Feb 19, 2016 11:23 am
Forum: Investing - Help with Personal Investments
Topic: Can someone help me Mimic the 3 Fund Portfolio (Total Stock, Inter., Bond) that I can choose at my company from Boeing?
Replies: 45
Views: 2775

Re: Can someone help me Mimic the 3 Fund Portfolio (Total Stock, Inter., Bond) that I can choose at my company from Boei

Fieldsy1024 wrote:Maybe.....

SP500 40% 45%
Russ 2000 20% 15%
International Idx 10% 20%
Bond Idx 20% 10%
Boeing Stock 10%
0%
Stable Value 10%
IMHO
by FillorKill
Fri Feb 19, 2016 10:58 am
Forum: Investing - Help with Personal Investments
Topic: Can someone help me Mimic the 3 Fund Portfolio (Total Stock, Inter., Bond) that I can choose at my company from Boeing?
Replies: 45
Views: 2775

Re: Can someone help me Mimic the 3 Fund Portfolio (Total Stock, Inter., Bond) that I can choose at my company from Boei

Another very reasonable choice would be to keep it simple the target date fund, but check the expense ratio and check the composition to make sure it isn't anything too bizarre or crazy. See if you can get us ticker symbols on the actual funds. It's best to do the exercise of picking your own perce...
by FillorKill
Thu Feb 18, 2016 9:44 am
Forum: Investing - Theory, News & General
Topic: Buy According to AA but Never Rebalance
Replies: 40
Views: 2851

Re: Buy According to AA but Never Rebalance

This would likely turn-out to be a reasonably effective method of expressing decreasing (absolute/relative) risk aversion with your portfolio. I'm not sure that's what you're going for, but if it were, this could be a rational choice.
by FillorKill
Wed Feb 17, 2016 2:12 pm
Forum: Investing - Help with Personal Investments
Topic: Limited Bond Choices HELP!
Replies: 17
Views: 984

Re: Limited Bond Choices HELP!

Yuck. No brokerage window? If no can you go 100% equity in that account and use IRA or taxable space for a better FI alternative(s)?
by FillorKill
Mon Feb 15, 2016 11:41 am
Forum: Investing - Theory, News & General
Topic: Reverse Tax Loss Harvest on Really Good Day?
Replies: 12
Views: 1303

Re: Reverse Tax Loss Harvest on Really Good Day?

...what are the pros/cons of reversing the position on a Really Good Day (RGD) if 1) Your replacement shares are in a tax advantaged account? Expanded tax advantaged space, for one. Resetting the next TLH opportunity for another. Start: 100K VXUS in taxable, 100K cash IRA. RBD: VXUS -5%. Sell VXUS ...