What Was Your Best Portfolio move in 2013

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ERMD
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Re: What Was Your Best Portfolio move in 2013

Post by ERMD » Fri Dec 27, 2013 5:09 am

As a newbie here, I'm afraid to ask, but isn't the topic of this thread antithetical to the whole Bogle philosophy? Isn't it about the discipline to not make moves? :)
between scotch and nothing, i'll take scotch. -- faulkner

Ignis
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Re: What Was Your Best Portfolio move in 2013

Post by Ignis » Fri Dec 27, 2013 7:51 am

arcane23 wrote: Best move was to invest my cash (minus EF) into funds per my IPS. Writing an IPS was an awesome move in itself...
This. Outside of my emergency fund, I was holding a nearly 50% cash position. Plans changed, so I invested it per my IPS (which I also put together this year thanks to this site).

simpsonlang
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Re: What Was Your Best Portfolio move in 2013

Post by simpsonlang » Fri Dec 27, 2013 9:07 am

Did a considerable amount of reading across a wide swath of financial books. I kept seeing indexing and the long term history of the stock market which led me to this forum. Prior to this I thought the entire market was a scam, limited my investing, and focused on debt elimination which I completed in 2012. As a result for 2013 I opened an HSA and invested it, fully funded my 401k, moved my IRAs from heavy front load fees to Vanguard, liquidated an IRA annuity and moved it to Vanguard, closed an Index Universal Life policy, put together an asset allocation I plan to not change till I'm 50 then plan to add in bonds (I know I'm way to low on bonds but 1 step at a time and plan to not panic on a major market drop now that I know the history of how the markets perform and can ride it out). So it's been a great move this year not considering how the US market has performed.

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TheTimeLord
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Re: What Was Your Best Portfolio move in 2013

Post by TheTimeLord » Fri Dec 27, 2013 9:23 am

ERMD wrote:As a newbie here, I'm afraid to ask, but isn't the topic of this thread antithetical to the whole Bogle philosophy? Isn't it about the discipline to not make moves? :)
I would assume even within the Bogle philosophy people grow and change. Maybe they start with an All-In-One Lifestyle fund then move to a 3 fund index then to something with a tilt. As their assets grow they may choose to reduce risk because they feel they have won the game or decide they can now afford more risk. Then there is always some adjusting for tax efficiency or taking long term gains or harvesting a loss. One person noted setting up a donor advised fund (poor man's foundation) so they pay no taxes on their long term gains but get a tax deduction for the full amount of their charitable donations. Some may be using zero income years to take gains at a 0% rate, others to rollover an IRA to a Roth. To me the Bogle philosophy is about being efficient not inert.
IMHO, Investing should be about living the life you want, not avoiding the life you fear. | Run, You Clever Boy! [9085]

DoWahDaddy
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Re: What Was Your Best Portfolio move in 2013

Post by DoWahDaddy » Fri Dec 27, 2013 9:31 am

Using available funds after the end of each month to invest in the "underperformingest" asset. 11 times it was a bond fund. Here comes #12.
"Stay the course." - J. Kirk

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TheTimeLord
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Re: What Was Your Best Portfolio move in 2013

Post by TheTimeLord » Fri Dec 27, 2013 9:36 am

DoWahDaddy wrote:Using available funds after the end of each month to invest in the "underperformingest" asset. 11 times it was a bond fund. Here comes #12.
No REITs or Emerging Markets in your portfolio?
IMHO, Investing should be about living the life you want, not avoiding the life you fear. | Run, You Clever Boy! [9085]

peppers
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Re: What Was Your Best Portfolio move in 2013

Post by peppers » Fri Dec 27, 2013 10:27 am

2013 is not over. Still have a few irons in the fire. :wink:
"..the cavalry ain't comin' kid, you're on your own..."

poker27
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Re: What Was Your Best Portfolio move in 2013

Post by poker27 » Fri Dec 27, 2013 10:36 am

Started a taxable account w/ vanguard and maxed 401k. Since I started my taxable in April and have been slowly funding it through the year, the gains arent much, but its nice to see something grow other then a savings account.

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VictoriaF
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Re: What Was Your Best Portfolio move in 2013

Post by VictoriaF » Fri Dec 27, 2013 10:36 am

ERMD wrote:As a newbie here, I'm afraid to ask, but isn't the topic of this thread antithetical to the whole Bogle philosophy? Isn't it about the discipline to not make moves? :)
It depends on how you interpret the word "move." Most posters in this thread made prudent moves.

Victoria
WINNER of the 2015 Boglehead Contest. | Every joke has a bit of a joke. ... The rest is the truth. (Marat F)

DVMResident
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Re: What Was Your Best Portfolio move in 2013

Post by DVMResident » Fri Dec 27, 2013 10:41 am

Lump summed maxed 2 IRAs in January.

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Peter Foley
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Re: What Was Your Best Portfolio move in 2013

Post by Peter Foley » Fri Dec 27, 2013 10:52 am

My best move was discovering Schwab Charitable. It allowed me to transfer appreciated assets for charitable giving to organizations at a later date while taking a tax deduction this year. This "portfolio move" is a key tax reduction/income managment strategy that I hope to use for years to come.

Kircheis
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Re: What Was Your Best Portfolio move in 2013

Post by Kircheis » Fri Dec 27, 2013 10:59 am

I left my financial advisor and started managing my portfolio myself. I went from having 20+ mutual funds to 4 in my retirement account (I don't have a total stock market fund available, so I had went with a combination of an SP500 fund and a small cap fund).

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czeckers
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Re: What Was Your Best Portfolio move in 2013

Post by czeckers » Fri Dec 27, 2013 11:08 am

Stuck to my plan. Rebalanced with new money every month -- mostly buying bonds and EM.

It was actually nice not having to worry about whether US stocks are overvalued or not -- didn't matter, I wasn't buying them.

-K
The Espresso portfolio: | | 20% US Total Mkt, 20% Small Cap Value, 10% US REIT, 10% Developed Int'l, 10% EM, 30% Inter-term US Treas | | "A journey of a thousand miles begins with a single step."

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Sheepdog
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Re: What Was Your Best Portfolio move in 2013

Post by Sheepdog » Fri Dec 27, 2013 11:17 am

Spending some of the portfolio by taking an Amtrac train vacation to Glacier National Park and taking an 11 day Celebrity Western Caribbean Cruise was our best portfolio move in 2013.
Don' just work on your portfolio, enjoy it also.
Jim
Last edited by Sheepdog on Fri Dec 27, 2013 11:20 am, edited 1 time in total.
Just because it isn't your fault doesn't mean it isn't your responsibility....Josh Reid Jones

bobbun
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Re: What Was Your Best Portfolio move in 2013

Post by bobbun » Fri Dec 27, 2013 11:20 am

Adopted a policy of moving assets out of my Edward Jones SIMPLE-IRA into my Vanguard IRA on a regular basis.

Lilly
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Re: What Was Your Best Portfolio move in 2013

Post by Lilly » Fri Dec 27, 2013 11:50 am

I don't know if it was a best move or not yet. Who knows these things? Yesterday I moved most of my small cap value into my short term bond fund. This was in my IRA account. I was getting too long on stocks.

Hope you all have a fantastic new year.
Lilly

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VictoriaF
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Re: What Was Your Best Portfolio move in 2013

Post by VictoriaF » Fri Dec 27, 2013 1:45 pm

Lilly wrote:Yesterday I moved most of my small cap value into my short term bond fund. This was in my IRA account. I was getting too long on stocks.
That was a mistake. Pippi Longstocking was rich.
Lilly wrote:Hope you all have a fantastic new year.
Lilly
Happy New Year, Lilly!

Victoria
WINNER of the 2015 Boglehead Contest. | Every joke has a bit of a joke. ... The rest is the truth. (Marat F)

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ogd
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Re: What Was Your Best Portfolio move in 2013

Post by ogd » Fri Dec 27, 2013 1:48 pm

Back in June me and Kevin M at about the same time did a tax loss harvesting exercise from VCADX (CA munis) to CMF and back (in my case). In the process we bagged a 3-4% ish discount to NAV in CMF due to low liquidity. Closest I've come to free money, considering I was fine with sitting on CMF for a long time if the discounts persisted.

Buddtholomew
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Re: What Was Your Best Portfolio move in 2013

Post by Buddtholomew » Fri Dec 27, 2013 2:04 pm

Re-balancing into Precious Metals & Mining as per IPS. Sticking to the plan is the most challenging aspect of investing, especially when the asset you are contributing to is out of favor and on the decline.
"The first principle is that you must not fool yourself and you are the easiest person to fool" --Feynman.

island
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Re: What Was Your Best Portfolio move in 2013

Post by island » Fri Dec 27, 2013 2:23 pm

Sheepdog wrote:Spending some of the portfolio by taking an Amtrac train vacation to Glacier National Park and taking an 11 day Celebrity Western Caribbean Cruise was our best portfolio move in 2013.
Don't just work on your portfolio, enjoy it also.
Jim
Hallelujah! Don't hear enough on that aspect. Here's to more happy trails in 2014!

jwa
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Re: What Was Your Best Portfolio move in 2013

Post by jwa » Fri Dec 27, 2013 2:43 pm

Taylor Larimore is my mentor I've not met. This year I consolidated everything into the 3 fund portfolio and I couldn't be happier. :D

Mike Scott
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Re: What Was Your Best Portfolio move in 2013

Post by Mike Scott » Fri Dec 27, 2013 2:56 pm

I did a lot of reading and research this year and reconsidered my investment plan from the bottom up. The end result was to reinforce that I was comfortable with what I was already doing but I understand much better why I am doing it and why I am comfortable with it. I did up the saving rate a bit in 2013 but may not be able to continue that for 2014.

peddler12
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Re: What Was Your Best Portfolio move in 2013

Post by peddler12 » Fri Dec 27, 2013 9:58 pm

Per the advice here I made the move this evening to exchange Target Retirement 2025 to the Target Retirement 2015 which matches the fund my wife is in. My TSP is fully invested in the L2020. If I'm good this coming year my only move will be to buy more of the funds I'm in. Thanks everyone for the great advice.

Kielke
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Re: What Was Your Best Portfolio move in 2013

Post by Kielke » Fri Dec 27, 2013 10:14 pm

Joined this forum mid year. Beyond that slowly converted to a 3 fund portfolio. Now I am just working on increasing contributions where I can, and bringing/ keeping my AA inline.

MassInvestor
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Re: What Was Your Best Portfolio move in 2013

Post by MassInvestor » Fri Dec 27, 2013 10:25 pm

I made my first investment.

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Kalo
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Re: What Was Your Best Portfolio move in 2013

Post by Kalo » Fri Dec 27, 2013 10:32 pm

I am pretty sure it was just this year that I became a Boglehead. I gradually moved my portfolio from 100% domestic (US) stocks to:
52% Domestic (US) stock
20% International stock
28% Short Term bond

Bulk of portfolio has been at Vanguard for years and still is, but it was a big AA move as I learned about the benefits of diversification. I have small tilts to small cap value and dividend appreciation. My goal is 30% bonds, which I may be able to achieve via contributions.

It was a little difficult to make this change at first, but by doing it gradually I had time to warm up to it and now I'm very happy with it. I also bought my first I Bond this year and hope to make the max purchase going forward too if I can come up with the cash.

Best move of the year was happening onto this site. Thanks Bogleheads!

:sharebeer

Kalo
"When people say they have a high risk tolerance, what they really mean is that they are willing to make a lot of money." -- Ben Stein/Phil DeMuth - The Little Book of Bullet Proof Investing.

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GerryL
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Re: What Was Your Best Portfolio move in 2013

Post by GerryL » Fri Dec 27, 2013 11:08 pm

Stopped dithering and took the bulk of the funds out of my 401k (at fidelity) with an in-service withdrawal and put it into my vanguard ira. After consulting the vanguard financial advisors and getting a plan drawn up discovered that I'm doing even better than I thought. When this question is asked next year I expect to say "Continued maxing out tax-deferred investments and stayed the course."

pswift
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Re: What Was Your Best Portfolio move in 2013

Post by pswift » Fri Dec 27, 2013 11:30 pm

1) Started investing in fall 2012 with a portion of my funds, then in 2013 consolidated most liquid assets into my brokerage account. Actually investing in stocks and bonds was a big psychological step, but so glad I did.

2) Finding this forum and reading it regularly. (Thanks to everyone who contributes to this forum!)

3) Writing IPS.

4) Selling long-term treasuries ETF (May 1st, just by luck) and TIPS in favor of Total Bond Market ETF. This month I moved about 2/3 of my fixed income to PenFed 3% CDs, and feel pretty good about that too.

-Swift

Mr Rosco
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Re: What Was Your Best Portfolio move in 2013

Post by Mr Rosco » Sat Dec 28, 2013 7:52 am

Found Bogleheads.org. Pulled $40,000 out of on adviser account that had a fee of 1.85%. Invested it in low cost index funds and feel great about taking control of my own investments.

:beer
John

Hooked
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Re: What Was Your Best Portfolio move in 2013

Post by Hooked » Sat Dec 28, 2013 8:22 am

Visiting the Boglehead site for the first time. I have learned a lot, and appreciate all of the knowledge and information that is shared. (I enjoy the humor also!)

Happy New Year!

Hooked… On learning.

metacritic
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Re: What Was Your Best Portfolio move in 2013

Post by metacritic » Sat Dec 28, 2013 8:56 am

After years of reading this site finally in 2013 took these moves in the following order:

1. Purchased term life insurance on spouse and me.
2. Refinanced house (not sure of the wisdom of having done so, frankly, this might have been an error)
3. Wrote out list of every investment advisor put us into and wrote down fees for each - averaged around 1.85% even before his 1% fee
4. Rolled spouse's 401k to Vanguard, temporarily parking retirement monies in Vanguard money market
5. Read the suggested books on investing
6. Set up an asset allocation plan (55% domestic, 20% international, 15% bonds, 10% REIT)
7. Discussed these proposed changes with my wife and showed her what advantage accrues from taking these steps
8. Increased my 403b contribution to $17,500 from where it had slipped after having a second child
9. Created spread sheet to track portfolio against asset allocation plan
10. Shifted our portfolios to match allocation plan with a majority of investments in Vanguard index funds and most of the rest in TIAA CREF funds, indexed where possible

Next step is taking the scant amount of money still held by a financial advisor and rolling that money to Vanguard (to be done by the first week of Jan 2014) at which point everything will be with Vanguard or TIAA CREF. Then setting up 529 for my second child, something too long delayed.

MnD
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Re: What Was Your Best Portfolio move in 2013

Post by MnD » Sat Dec 28, 2013 10:13 am

Moved 95% of fixed income to the G Fund between November 2012 and April 2013.
70/30 AA, Global market cap equity. Rebalance if FI <25% or >35%. Weighted ER< .10%. 5% of annual portfolio balance SWR, Proportional (to AA) withdrawals.

gvsucavie03
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Re: What Was Your Best Portfolio move in 2013

Post by gvsucavie03 » Sat Dec 28, 2013 10:36 am

Wrote an IPS in July after 2nd child was born

Paid off close to $10K in debt

Successfully filed my teacher student loan reimbursement ($5K) for 5 years of working in a low-income district (tax-free, too!)

Sticking to the plan and using the good folks on this site as a resource

My school district switching to an HSA in 2014 (not my own financial move, but will save us quite a bit of :moneybag on next year's contract)

dbr
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Re: What Was Your Best Portfolio move in 2013

Post by dbr » Sat Dec 28, 2013 10:42 am

ERMD wrote:As a newbie here, I'm afraid to ask, but isn't the topic of this thread antithetical to the whole Bogle philosophy? Isn't it about the discipline to not make moves? :)
I was going to post "Best move: not making any move in 2013" but I didn't want to put a damper on the party.

Actually I went all stocks at the beginning of the year and made a killing.

I had thought of investing in TSLA, but chickened out and now I feel like a megawimp and deserve what I lost.

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telemark
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Re: What Was Your Best Portfolio move in 2013

Post by telemark » Sat Dec 28, 2013 10:43 am

I moved some company stock from a former employer into an index fund. That was my only change for 2013, so it was both my best and my worst move. Doesn't seem to have made any noticeable difference, but my portfolio should be a little less risky now.

gvsucavie03
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Re: What Was Your Best Portfolio move in 2013

Post by gvsucavie03 » Sat Dec 28, 2013 10:50 am

dbr wrote:Actually I went all stocks at the beginning of the year and made a killing.
And got lucky....

dbr
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Re: What Was Your Best Portfolio move in 2013

Post by dbr » Sat Dec 28, 2013 11:21 am

gvsucavie03 wrote:
dbr wrote:Actually I went all stocks at the beginning of the year and made a killing.
And got lucky....
That isn't really what I did.

gvsucavie03
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Re: What Was Your Best Portfolio move in 2013

Post by gvsucavie03 » Sat Dec 28, 2013 1:31 pm

dbr wrote:
gvsucavie03 wrote:
dbr wrote:Actually I went all stocks at the beginning of the year and made a killing.
And got lucky....
That isn't really what I did.
Sorry, hard to detect sarcasm in print....

manwithnoname
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Re: What Was Your Best Portfolio move in 2013

Post by manwithnoname » Sat Dec 28, 2013 2:00 pm

Converted equities to roth IRAs at the beginning of 2013. now up 30%.
Added more roth conversions yesterday when I found more tax losses.

will convert more equities in 2014.

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grabiner
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Re: What Was Your Best Portfolio move in 2013

Post by grabiner » Sat Dec 28, 2013 3:10 pm

Tax loss harvesting and specific identification of shares done in previous years, reaping the benefit in 2013.

I needed to sell a lot of stock to make a down payment on my condo; I had to sell enough to make the expected down payment in September, and then more in October when the condo appraised for less than the purchase price and the bank thus reduced the amount it would lend me. Thanks to specific identification of shares, I was able to sell the shares with the highest basis, so only about 10% of the sale was a capital gain. And thanks to tax loss harvesting in 2008-2009, I have enough carryover losses that I didn't owe any federal tax even on that capital gain. (I do owe NJ tax, because I lived in NJ when I sold the stock and NJ doesn't allow carryovers, but it does allow specific identification, so the tax bill will still be fairly low.)
Wiki David Grabiner

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Toons
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Re: What Was Your Best Portfolio move in 2013

Post by Toons » Sat Dec 28, 2013 3:14 pm

My couple best moves of the year were not selling My healthcare sector fund,that I have owned for about 10 years and taking all capital gains and dividends in taxable accounts in cash :sharebeer
"One does not accumulate but eliminate. It is not daily increase but daily decrease. The height of cultivation always runs to simplicity" –Bruce Lee

Sriracha
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Re: What Was Your Best Portfolio move in 2013

Post by Sriracha » Sat Dec 28, 2013 3:29 pm

Opened a PenFed CD this month. How boring am I? (Maybe that means I'm doing something right.)
Don't reach for yield.

Michread
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Re: What Was Your Best Portfolio move in 2013

Post by Michread » Sat Dec 28, 2013 4:09 pm

Consolidated my IRAs into one acct.(had T.Rowe Price, Domini and Vanguard.) I put it all into Vanguard.
This spring, I transferred extra cash in the checking acct. into VFIAX :moneybag
DIdn't sell HP after YEARS of it doing nothing; it doubled in 2013
Got rid of our extra term life insurance, saving $83/mo
Early retirement 2018

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Hexdump
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Re: What Was Your Best Portfolio move in 2013

Post by Hexdump » Sun Dec 29, 2013 7:31 am

For a few different reasons we went to a 100% Wellesley portfolio. It sure turned out well for us. :D

IlliniDave
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Re: What Was Your Best Portfolio move in 2013

Post by IlliniDave » Sun Dec 29, 2013 8:55 am

My best move was adding more to it. I did do some rebalancing, and had to shuffle some stuff in my 401k because of fund changes in the plan, but I don't know that I could qualify those actions as good or bad.
Don't do something. Just stand there!

RNJ
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Re: What Was Your Best Portfolio move in 2013

Post by RNJ » Sun Dec 29, 2013 9:40 am

metacritic wrote:After years of reading this site finally in 2013 took these moves in the following order:

1. Purchased term life insurance on spouse and me.
2. Refinanced house (not sure of the wisdom of having done so, frankly, this might have been an error)
3. Wrote out list of every investment advisor put us into and wrote down fees for each - averaged around 1.85% even before his 1% fee
4. Rolled spouse's 401k to Vanguard, temporarily parking retirement monies in Vanguard money market
5. Read the suggested books on investing
6. Set up an asset allocation plan (55% domestic, 20% international, 15% bonds, 10% REIT)
7. Discussed these proposed changes with my wife and showed her what advantage accrues from taking these steps
8. Increased my 403b contribution to $17,500 from where it had slipped after having a second child
9. Created spread sheet to track portfolio against asset allocation plan
10. Shifted our portfolios to match allocation plan with a majority of investments in Vanguard index funds and most of the rest in TIAA CREF funds, indexed where possible

Next step is taking the scant amount of money still held by a financial advisor and rolling that money to Vanguard (to be done by the first week of Jan 2014) at which point everything will be with Vanguard or TIAA CREF. Then setting up 529 for my second child, something too long delayed.
Busy year. Nice going!

fposte
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Re: What Was Your Best Portfolio move in 2013

Post by fposte » Sun Dec 29, 2013 2:28 pm

I'm another with a list:

Found Bogleheads.
Moved an inherited IRA and my Roth IRA to Vanguard.
Cleaned up my 403b.
Braved the bureaucratic hassle to open my 457.
Developed a taste for spreadsheets.

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stemikger
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Re: What Was Your Best Portfolio move in 2013

Post by stemikger » Sun Dec 29, 2013 2:39 pm

I wasn't going to admit this and say it publically but here goes.

In my 401K I changed my asset allocation to 100% equities and put everything in the Vanguard Index 500 for about 3 months. It was dumb luck but I bought on a down day and when I regained my sanity I went back to my original 70/30 S&P and total bond. It worked out pretty well, but I will not being doing that again.

In my IRA which is much smaller than my 401K I moved out of the Vanguard Balanced Index fund in the beginning of the year and went 100% in the Total Stock Market Index. That one really worked out well. I will be moving it back to the Vanguard Balanced Index Fund tomorrow. No more market timing from here on in. This year was a tough time for me and I did some pretty anti-boglehead things.
Choose Simplicity ~ Stay the Course!! ~ Press on Regardless!!!

jay22
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Re: What Was Your Best Portfolio move in 2013

Post by jay22 » Mon Dec 30, 2013 1:47 pm

2013 was a monumental year for me. This was the first time I spent and saved like I should have after finishing grad school 5 years ago. I got married in Jan this year and with it I got some much needed financial sense into me.

1. Made an IPS (thanks, Sunny) and made a resolution to stick to it come what may.

2. Fully funded my wife's and mine tIRAs in January.

3. Started a taxable account at Vanguard and made regular contributions throughout the year. This year's contribution was ~$60K.

4. Religiously followed Taylor's 3 fund portfolio (80/20 with TBM in tIRA). I plan to add REIT to my portfolio next year to make it core-four.

5. Tracked all the spending through mint religiously and will be doing year-ending reporting for myself shortly (year isn't over, yet ;)).

Been a good year for me. Lack of 401k with my employer has been a handicap for the past 2 years or so. I could do with some tax breaks. Next year looks to be challenging for us. My wife has not been able to find a job in MI and we might have to move to another location (I hope it's another low-cost place like central MI, but might have to make a compromise with this depending on where she finds a suitable opportunity).

Financially, though, I plan to stay the course next year as well.

Hope you all had a productive and happy 2013!

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new2bogle2
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Re: What Was Your Best Portfolio move in 2013

Post by new2bogle2 » Mon Dec 30, 2013 2:18 pm

StarbuxInvestor wrote:Here are my best portfolio moves in 2013. I started off with each of my accounts (401k, IRA and Roth) setup using my AA. Around mid-year I decided to spread the AA over all the account instead of balancing each one and converted my Roth to 100% equity since it was small. Turned out very nicely. Second best would be moving my 30% Fixed Income allocation from 50% Tips/50% Total Bond to 25% Tips/25% Total Bond/50% Cash.

my best move was starting a Roth IRA with Vanguard in 2013!

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