d****s
发帖数: 174 | 1 因为投资起步晚，只能把以前银行里的钱投在taxable的账户里面，目前有
VTSAX+VWITX+VTIAX+VTMSX(本来应该买VTXMX的，结果开始买错了，就没改）
目前有个CD快到期，不知是应该按比例分配到上面，还是直接按照Dollar cost
averaging买个blended fund: VWINX 或者 VMELX
我个人感觉是自己的组合cost，tax低，但是VWINX 或者 VMELX可能更稳定--不过cost,
tax都相对高一点。
请指教！谢谢！ | d****s
发帖数: 174 | 2 自己对比了下，VWINX bond为主， VMELX stock为主，在taxable 账户里面，是否后者
应该更合适？谢谢！
cost,
【在 d****s 的大作中提到】
: 因为投资起步晚，只能把以前银行里的钱投在taxable的账户里面，目前有
: VTSAX+VWITX+VTIAX+VTMSX(本来应该买VTXMX的，结果开始买错了，就没改）
: 目前有个CD快到期，不知是应该按比例分配到上面，还是直接按照Dollar cost
: averaging买个blended fund: VWINX 或者 VMELX
: 我个人感觉是自己的组合cost，tax低，但是VWINX 或者 VMELX可能更稳定--不过cost,
: tax都相对高一点。
: 请指教！谢谢！
| S**C
发帖数: 2964 | 3 You have all equity in your taxable, what makes you want to change your AA?
Why do you have both VGTSX and VTIAX?
cost,
【在 d****s 的大作中提到】
: 因为投资起步晚，只能把以前银行里的钱投在taxable的账户里面，目前有
: VTSAX+VWITX+VTIAX+VTMSX(本来应该买VTXMX的，结果开始买错了，就没改）
: 目前有个CD快到期，不知是应该按比例分配到上面，还是直接按照Dollar cost
: averaging买个blended fund: VWINX 或者 VMELX
: 我个人感觉是自己的组合cost，tax低，但是VWINX 或者 VMELX可能更稳定--不过cost,
: tax都相对高一点。
: 请指教！谢谢！
| D*****t
发帖数: 558 | 4 if you haven't maxed out all tax advantage accounts, you should do so. In
regular account, you can consider tax-managed equity funds, such as VTCLX,
VTGLX, VTMSX and VTMGX. For bond portion, consider munis. But as asked by
the previous post, what makes you decide to change your current allocation
and to include bond? Is it because you want to time the market or you are
realizing not including bond is a mistake? | d****s
发帖数: 174 | 5 thanks, corrected. actually it's VWITX, a tax exempt bond
【在 S**C 的大作中提到】
: You have all equity in your taxable, what makes you want to change your AA?
: Why do you have both VGTSX and VTIAX?
:
: cost,
| d****s
发帖数: 174 | 6 谢谢楼上两位！目前max了Roth+401K. 但是以前还打算回国呢，所以投资包括401都是
后来才买的，银行里自然有余钱。
其实我觉得自己对portfolio没有做严格的控制，就是在开始的时候算了算，然后根据
版上推荐，阅读了一个基本概念知识，就大体stock/bond 60-70/30-40买的。当时SOFC
还推荐了VMELX,不过我已经开始买了上面的，就没有再买。现在就是对于是否坚持自己
定的portfolio有些犹豫，还是省事直接买VWINX 或者 VMELX？
【在 D*****t 的大作中提到】
: if you haven't maxed out all tax advantage accounts, you should do so. In
: regular account, you can consider tax-managed equity funds, such as VTCLX,
: VTGLX, VTMSX and VTMGX. For bond portion, consider munis. But as asked by
: the previous post, what makes you decide to change your current allocation
: and to include bond? Is it because you want to time the market or you are
: realizing not including bond is a mistake?
| d****s
发帖数: 174 | 7 我没有对每个不同账户分做portfolio,不过ROTH/401里面都是自动投的，所以比例挺好
。Taxable账户里面是时多时少。现在有CD到期才又考虑了。想想坚持自己的选择？-至
少税少，呵呵。我买过几千的VWINX，总是有分红/long term gain什么的。
【在 D*****t 的大作中提到】
: if you haven't maxed out all tax advantage accounts, you should do so. In
: regular account, you can consider tax-managed equity funds, such as VTCLX,
: VTGLX, VTMSX and VTMGX. For bond portion, consider munis. But as asked by
: the previous post, what makes you decide to change your current allocation
: and to include bond? Is it because you want to time the market or you are
: realizing not including bond is a mistake?
| D*****t
发帖数: 558 | 8 I like your current portfolio, perfect for regular account without tax
advantage. | d****s
发帖数: 174 | 9 VTSAX+VWITX+VTIAX+VTMSX(本来应该买VTXMX的，结果开始买错了，就没改）
目前有个CD快到期，不知是应该按比例分配到上面，还是直接按照Dollar cost
averaging买个blended fund: VWINX 或者 VMELX
我个人感觉是自己的组合cost，tax低，但是VWINX 或者 VMELX可能更稳定--不过cost,
tax都相对高一点。
请指教！谢谢！ | d****s
发帖数: 174 | 10 自己对比了下，VWINX bond为主， VMELX stock为主，在taxable 账户里面，是否后者
应该更合适？谢谢！
cost,
【在 d****s 的大作中提到】
: 因为投资起步晚，只能把以前银行里的钱投在taxable的账户里面，目前有
: VTSAX+VWITX+VTIAX+VTMSX(本来应该买VTXMX的，结果开始买错了，就没改）
: 目前有个CD快到期，不知是应该按比例分配到上面，还是直接按照Dollar cost
: averaging买个blended fund: VWINX 或者 VMELX
: 我个人感觉是自己的组合cost，tax低，但是VWINX 或者 VMELX可能更稳定--不过cost,
: tax都相对高一点。
: 请指教！谢谢！
| | | S**C
发帖数: 2964 | 11 You have all equity in your taxable, what makes you want to change your AA?
Why do you have both VGTSX and VTIAX?
cost,
【在 d****s 的大作中提到】
: 因为投资起步晚，只能把以前银行里的钱投在taxable的账户里面，目前有
: VTSAX+VWITX+VTIAX+VTMSX(本来应该买VTXMX的，结果开始买错了，就没改）
: 目前有个CD快到期，不知是应该按比例分配到上面，还是直接按照Dollar cost
: averaging买个blended fund: VWINX 或者 VMELX
: 我个人感觉是自己的组合cost，tax低，但是VWINX 或者 VMELX可能更稳定--不过cost,
: tax都相对高一点。
: 请指教！谢谢！
| D*****t
发帖数: 558 | 12 if you haven't maxed out all tax advantage accounts, you should do so. In
regular account, you can consider tax-managed equity funds, such as VTCLX,
VTGLX, VTMSX and VTMGX. For bond portion, consider munis. But as asked by
the previous post, what makes you decide to change your current allocation
and to include bond? Is it because you want to time the market or you are
realizing not including bond is a mistake? | d****s
发帖数: 174 | 13 thanks, corrected. actually it's VWITX, a tax exempt bond
【在 S**C 的大作中提到】
: You have all equity in your taxable, what makes you want to change your AA?
: Why do you have both VGTSX and VTIAX?
:
: cost,
| d****s
发帖数: 174 | 14 谢谢楼上两位！
其实我觉得自己对portfolio没有做严格的控制，就是在开始的时候算了算，然后根据
版上推荐，阅读了一个基本概念知识，就大体stock/bond 60-70/30-40买的。当时SOFC
还推荐了VMELX,不过我已经开始买了上面的，就没有再买。现在就是对于是否坚持自己
定的portfolio有些犹豫，还是省事直接买VWINX 或者 VMELX？
【在 D*****t 的大作中提到】
: if you haven't maxed out all tax advantage accounts, you should do so. In
: regular account, you can consider tax-managed equity funds, such as VTCLX,
: VTGLX, VTMSX and VTMGX. For bond portion, consider munis. But as asked by
: the previous post, what makes you decide to change your current allocation
: and to include bond? Is it because you want to time the market or you are
: realizing not including bond is a mistake?
| d****s
发帖数: 174 | 15 我没有对每个不同账户分做portfolio,不过ROTH/401里面都是自动投的，所以比例挺好
。Taxable账户里面是时多时少。现在有CD到期才又考虑了。想想坚持自己的选择？-至
少税少，呵呵。我买过几千的VWINX，总是有分红/long term gain什么的。
【在 D*****t 的大作中提到】
: if you haven't maxed out all tax advantage accounts, you should do so. In
: regular account, you can consider tax-managed equity funds, such as VTCLX,
: VTGLX, VTMSX and VTMGX. For bond portion, consider munis. But as asked by
: the previous post, what makes you decide to change your current allocation
: and to include bond? Is it because you want to time the market or you are
: realizing not including bond is a mistake?
| D*****t
发帖数: 558 | 16 I like your current portfolio, perfect for regular account without tax
advantage. | h***n
发帖数: 1600 | 17 Consider all your accounts as one portfolio, recalculate the percentage of
each fund, add your new investment into the funds that is far below your
target percentage. For example, if you want 30% of bonds, 70% of stock, and
your calculation indicates you have 20% of bonds and 80% of stocks, you put
money onto your bonds.
Be tax wise : move your VTMSX to Roth IRA, and change it to regular small
cap fund(if your VTMSX already has large gain, don't sell it, but make
future contribution to small cap fund in your Roth account); move your bond
fund to your traditional 401k (if your 401k has good bond funds available)
or to your traditional IRA account(if you have one), and change it to non-
tax exempt bond fund, otherwise stay with the current bond fund on your
taxable account.
Be cost effective: vanguard charge less fee when your passive index fund
reaches over $10k. | h***n
发帖数: 1600 | 18 像这两年股票不停涨，自动投的比例有可能已经出了大偏差。
控制各类股票的比例是为了控制风险，不是为了增加收益。因为涨得好的可能还会继续
涨，也可能要大幅度回调，你没办法预测的。但你控制好你各类股票的投资比例，你就
控制了portfolio的波动范围。
【在 d****s 的大作中提到】
: 我没有对每个不同账户分做portfolio,不过ROTH/401里面都是自动投的，所以比例挺好
: 。Taxable账户里面是时多时少。现在有CD到期才又考虑了。想想坚持自己的选择？-至
: 少税少，呵呵。我买过几千的VWINX，总是有分红/long term gain什么的。
| y******r
发帖数: 2986 | 19 bond是否tax exempt很重要么？
我是菜鸟，不要介意呀，谢谢！
【在 d****s 的大作中提到】
: thanks, corrected. actually it's VWITX, a tax exempt bond
| b********i
发帖数: 1252 | 20 我觉得：
如果你收入高，那么tax exempt比较重要，
如果不高那真无所谓。
看上去tax exempt的fund的expense ratio都比较高，
所以如果你收入不高可能还增加支出呢。
【在 y******r 的大作中提到】
: bond是否tax exempt很重要么？
: 我是菜鸟，不要介意呀，谢谢！
| b********i
发帖数: 1252 | 21 请问应急基金也应该算在一个Portfolio里面吗？
是不是不算呀？
and
put
bond
【在 h***n 的大作中提到】
: Consider all your accounts as one portfolio, recalculate the percentage of
: each fund, add your new investment into the funds that is far below your
: target percentage. For example, if you want 30% of bonds, 70% of stock, and
: your calculation indicates you have 20% of bonds and 80% of stocks, you put
: money onto your bonds.
: Be tax wise : move your VTMSX to Roth IRA, and change it to regular small
: cap fund(if your VTMSX already has large gain, don't sell it, but make
: future contribution to small cap fund in your Roth account); move your bond
: fund to your traditional 401k (if your 401k has good bond funds available)
: or to your traditional IRA account(if you have one), and change it to non-
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