Investing - Help with Personal Investments | Forum profile

Why ACWX instead of VEU? I guess the lower average daily volume of ACWX, its higher expense ratio, and larger average bid/ask spread don't faze you.

Hi Cougs. Nice job! Setting up the portfolio can be confusing at first. Once you see it, it will make sense and you'll see why you are struggling with it. But first, you need to change some numbers. The total of your retirement portfolio is $175,705. We need the percentages of that amount, not all your money. Not to worry - don't bother to change the percentage of each fund since those are going to change. What we need is the...

Bogleheads: Prior posts recommend paying down the mortgage. Let's look at this recommendation by using my own situation: We are in our 80s and last year we took out a 30-year mortgage with Pen Fed. Why? Several reasons: * We have inflation-adjusted pension and social security income plus two lifetime annuities. We can probably end our days with that income plus an adequate portfolio. So whether or not our home is paid off doesn't...

Wagnerjb wrote: YDNAL wrote: It is healthy (and profitable) to view things with an open mind. For instance - and just for dicussion purpose - doesn't a 4.6% differential annual return over 10 years deserve mentioning? Sure it is. But only if I knew that active management - going forward - was more likely than not to exceed the returns of my low-cost passive fund. Sadly, the studies have consistently and conclusively proven that the odds...

Do you have a large unrealized loss in Large Cap ETF? If yes, that would be a good reason - tax loss harvest. Are you familiar with tax loss harvesting? Here's a link to the Mother of All Tax Loss Harvesting Threads: http://www.bogleheads.org/foru....hp?t=25268 Please see Tax Loss Harvesting on the Bogleheads Wiki .

It can matter. Wang Laboratories had Class B and Class C shares, Class B having 1/10th the voting rights of Class C. The two shares prices moved virtually in lockstep until a few days before the demise of the company, when the price of Class C shares briefly shot up to three times the value of Class B . There's must be a story behind that. _________________ Annual income twenty pounds, annual expenditure nineteen nineteen and six, result...

the intruder wrote: IRAs are protected from both bankruptcy and general creditors to the extent permitted under state law. NY and NJ protect all IRAs from creditors claims regardless of amount, CA only protects 100k. Is the protection limit the same for both bankruptcy and general creditors in a particular state or could they be different? The limits in that table that lists all the states...........are they for bankruptcy or general creditors?

The biggy is FTSE has Canada and MSCI doesn't. It's about 3% of the total ex-US fund. Not that big, but it's a commodity producer so recently it's had high returns similar to Australia. Paul

Not at all unlikely if the money you would otherwise be using to pay off the mortgage is invested in long-term municipal bonds. Admiral shares of Long-Term Tax-Exempt are yielding 3.83%, and your 29-year mortgage has an even longer duration than those municipal bonds, so that is a fair comparison. _________________ David Grabiner

You might want to look at this thread: http://www.bogleheads.org/foru....hp?t=45300 The conclusion I came away with is that it's dumb as rocks to have the taxes withheld from the conversion. Make an estimated tax payment, from taxable money, instead. Even if you don't, the underpayment penalty will probably be less than the early withdrawal penalty on any taxes withheld from the conversion. Borrow the money if you have to, preferably...