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Have a lot of reading to do. Thx for pointing me in the right direction. Presumably ETF historical published returns are net of foreign taxes as well? So the last 1 yr return, eg, would be the return left after the foreign taxes were paid, meaning that I could possibly do better if I claimed...

I didn't realize it was so complex, thanks for the great information. All the points apply to ETFs as well, right? I will be sure to keep my real estate ETFs in a retirement account. In my reading on qualified dividends, it looks like the main defining criteria is the holding period? So since...

So mutual funds that pay higher dividends should go into tax-advantaged retirement accounts since there will be no taxes on the dividends?

+2 To go further, it is possible the FA DID make the correct decisions and still underperformed last yr. But as someone who exclusively buys mutual funds/ETFs, there is massive overduplication and likely high expense ratios in your (the OP) portfolio. So regardless of the performance those...

I understand it, but I still won't invest in it. There has been too much fraud. I suspect these issues will be fixed and the valuation will be astronomically higher in 5-20 years but I can't get over my repulsion at how many hundreds of millions of dollars have been stolen, and by investing in...

I have saved several months of expenses to keep in checking accounts (haven't decided if it will be 3-6 months). Most of the excess money, which I don't plan on touching for years, I have invested in the stock market. What do I do with intermediate funds? I might buy real estate within the...

I haven't checked my account info unless I have a specific reason to, including not even monthly statements. Sometimes I don't log in for a month, couple months. I didn't realize anything was unusual about this until I came across a blog and ppl discussed checking their accounts weekly, multiple...

Are the doubts because you are careful in general or is there something that tipped you off that this is a scam or something that made you feel amiss? Having no other info other than what you provided, if it's the latter, it would make me lean more toward this being a scam than legitimate.

I don't think you have done proper due diligence I don't think of due diligence as taking a certain amount of standard actions and then assuming everything will be okay. I take it as ascertaining that, in this case, the place/deal is legitimate. I frequently google e-mails, phone numbers, and...

Thanks, some nice ideas all. I don't understand the idea about reinvesting dividends. Swedroe seems to state that it will avoid taxation, but this isn't the case: https://turbotax.intuit.com/tax-tools/tax-tips/Investments-and-Taxes/Guide-to-Taxes-on-Dividends/INF19201.html Will I Have to Pay...

Any update on what happened in this case? The real question is how the individual got access to the bank account in the first place. How would he physically show up in a bank and convince the bank that he is the holder of the account?

During years when the stock market is up, rebalancing in a normal account will result in long-term capital gains. This is going to add up over the years. Does it make sense to rebalance only for assets that have had losses (if it needs to be rebalanced) and add new funds over the following year...

That's an interesting idea about using the loss but it presupposes that you are planning on selling property anyway, right? If you did not want to sell anything, then holding 1 nondiversified fund would mean you are willing to stomach the ups and downs that comes with it. Theoretically you can...

About the simple vs. complex discussion, my allocation is somewhat similar and I agree with nuisance. Aesthetically, there is something nice about having a small number of selections, but I do not find that there is any advantage to it, and possibly disadvantages (which are not so important to...

What will you do if VTSAX takes a big drubbing?

This time period includes the 2008 market crash, which was the biggest correction since the Great Depression? If you had selected a different 30 yr period, I'm guessing the difference would be more pronounced. Even after that it looks like stocks have increased their lead (from then until now).

I had to google this to see if it was true. According to this article, it was a joke by a few ppl which got re-tweeted and picked up by the media: The Media Got Trolled Into Thinking Kanye West Fans Don't Know Who Paul McCartney Is | NOISEY

If you are going to go with one fund, I would go with a total world index fund instead of VTSAX. I don't understand what "betting" has to do with anything. I don't spend energy hoping that the market will go up and don't pay attention to it every day. I recognize that there will be bull markets...

Statins have been around a long time and there is a ton of information on them. The side effects are fairly infrequent. I read a paper that looked at statins and diabetes (I work in science and am used to reading scientific literature). From memory I want to say that in something like 1000...

Didn't notice this post was started in July. Good time for someone to bump it. Another benchmark is a market capitalization weighted all world index, might be a better comparison for those with a heavy international concentration - up ~5.4% over the past year My overall return: 2.8% Plan for...

About the Sony attack, at first I was very concerned by reading all the headlines about "first foreign attack on a corporation," whether we are in a new era of hacking, etc, etc. I read a couple articles and sort of didn't understand what had happened and why. And then I saw a program on the...

Presumably you are not invested in sector funds, but are in broadly-based funds, and the tool shows your sector exposure. In this scenario whether you are equally weighted in sectors or approximate the S&P 500 is probably a toss-up. Since small and large US stocks are not well correlated, I...

Any money saved by eating McDonald's will be repaid in health care costs. How do you wash ziplocs? I didn't know about this. The opening is too small and then it is a problem to dry it, do you put them in the dishwasher? And how to wash tin foil? I am wasting more than I realized...

+1

I think you transposed a letter, I mentioned FLBAX, which is 99% treasuries, but am not interested in it specifically, am wondering how ppl estimate the future return of bond funds in general. Specifically: treasuries corporate bonds (investment vs. less than investment grade) international...