Search found 230 matches

by Dieter
Wed Jun 27, 2018 4:04 pm
Forum: Stocks
Topic: The hazards of index funds
Replies: 7
Views: 364

Re: The hazards of index funds

I've taken to doing Total Stock Market funds. I've also been wondering about weightings other than market cap, but funds like that seem to have much higher expenses. One thing to like about GB with it's SCV tilt. Of course, SCG has done better recently. Could just add Small or mid index in place of...
by Dieter
Tue Jun 26, 2018 8:06 pm
Forum: Bonds
Topic: The Bond Dream Room
Replies: 312
Views: 46414

Re: The Bond Dream Room

Let's say all assets have a starting value of $1,000 on 1/1/18 A 60% drop in any one of them with the other three assets staying flat leaves one with $3,400. The asset that has dropped 60% is at $400 which is still 11.8% of the total portfolio. Doh - right. Thanks. Of course, 10% of what you USED t...
by Dieter
Tue Jun 26, 2018 3:15 pm
Forum: Bonds
Topic: The Bond Dream Room
Replies: 312
Views: 46414

Re: The Bond Dream Room

My what big rebalancing bands you have. Where did 10/40 come from ? That's the standard 15% lower bound. A 40% shave from 25% gives 15%. Dieter, correct on % but I did mean 10% left of 25% allocation, so 60% drop, or 1.6x increase to 40% allocation from 25%. +/-60% of original. I think I edited my ...
by Dieter
Tue Jun 26, 2018 3:03 pm
Forum: Bonds
Topic: The Bond Dream Room
Replies: 312
Views: 46414

Re: The Bond Dream Room

My what big rebalancing bands you have. Where did 10/40 come from ? That's the standard 15% lower bound. A 40% shave from 25% gives 15%. [Edit: ah, the math showing drop used 40%, but missed that 10% band... If 10% of portfolio is lower band, would need a 60% drop in asset value if everything else ...
by Dieter
Mon Jun 25, 2018 9:42 pm
Forum: Variable Portfolio Discussion
Topic: All Treasury Portfolio
Replies: 16
Views: 793

Re: All Treasury Portfolio

Or as Bernstein says, not less than 25% in both stocks and bonds.
by Dieter
Fri Jun 22, 2018 12:39 am
Forum: Gold
Topic: The GOLD scream room
Replies: 1993
Views: 268501

Re: The GOLD scream room

Or working to improve income....

Financially I'd be better of without Gold (I think LTT+ "cash" has been a wash for me vs TBM), but worry less. Even if do still spend too much time, um , "reviewing"....

Did put in to buy my first TBill at the next auction. :)
by Dieter
Mon Jun 18, 2018 10:39 am
Forum: Stocks
Topic: Tax implications of reinvesting dividends
Replies: 23
Views: 899

Re: Tax implications of reinvesting dividends

Have you gone online to check if your brokerage has the info? It's old, but: https://www.nytimes.com/2013/03/16/your-money/new-tax-laws-cover-cost-basis-of-investments.html " The new reporting rules, signed into law as part of the big bailout legislation in 2008, are being phased in over a few years...
by Dieter
Sun Jun 17, 2018 9:18 pm
Forum: Stocks
Topic: Tax implications of reinvesting dividends
Replies: 23
Views: 899

Re: Tax implications of reinvesting dividends

pugchief wrote:
Sun Jun 17, 2018 8:40 pm
Pretty sure with mutual funds at Vg and Fido you are getting average cost basis when you sell, and dividends that you've already paid taxes on figure into the basis. They do all the math and report at year end.
Have option for average or lot identification.
by Dieter
Sun Jun 17, 2018 6:06 pm
Forum: Stocks
Topic: Tax implications of reinvesting dividends
Replies: 23
Views: 899

Re: Tax implications of reinvesting dividends

I think broker now required to track cost basis. Taxed once in the dividend. If you get a $10 div (and purchase one share worth $10), you get taxed on that $10 as dividend. Sell that share for $11, and get taxed on the $1 gain (long or short depending on how long you keep it), but not the $10 basis....
by Dieter
Fri Jun 15, 2018 5:47 pm
Forum: Gold
Topic: The GOLD scream room
Replies: 1993
Views: 268501

Re: The GOLD scream room

Cortopassi wrote:
Fri Jun 15, 2018 3:40 pm
Barrett, well said
+1
by Dieter
Wed Jun 13, 2018 2:01 pm
Forum: Bonds
Topic: The Bond Dream Room
Replies: 312
Views: 46414

Re: The Bond Dream Room

If 10yr to 6% I might have a hard time reballancing into LTT....
by Dieter
Wed Jun 13, 2018 11:02 am
Forum: Other Discussions
Topic: More Than Half of Millenials Expect to Be Millionaires
Replies: 14
Views: 773

Re: More Than Half of Millenials Expect to Be Millionaires

<Snip> BTW, the part that makes me feel the most old is the throwaway comment that most Millennials expect to be financially independent from their parents by 25. My 18-year-old self who clamored for my own independence at the first possible chance would find that shockingly old. I think there real...