She needs to contact a CPA

Yeah she's scheduled to meet with one, was just curious if it was a standard situation for the taxes.

I would be more concerned that you have about 30% of your portfolio in two equities.

The current plan is to sell both of them in next few weeks. Was going to reallocate so that the portfolio looks like:

Cash - 10%
VEU - 20%
VTI - 45%
Matthews Asian Growth & Income Fund - 15%
Fidelity US Bond Index Fund (FBIDX) - 10%

And possibly add a small cap value fund which would probably be either Vanguard Small Cap Value (VISVX) or Vanguard Small Cap Value ETF (VBR). Might also look into the fidelity equivalent.

Please let me know if you have any further thoughts.

Is there a particular reason why you want so much in cash and international?

So I am in this situation and I do not know what is best thing to do.

- W-Europe
- Net-Income fluctuates a lot. Lets say low end $30k, high end $100k. I am self-employed.
- I have a high risk tolerance, but I am pessimistic over the future. Maybe that doesn't make much sense, but I am willing to take big risks, as long as it is not with all my money.
- Time frame would be short-term, looking to see noticeable gains within 3 years.
- Expenses $1250 a month
- Saved up $135000

Likely I want to put $15000 in bitcoin. But for the other part I have no idea. I was thinking maybe gold, but I have no idea why and also the price has been declining a lot. Then I was thinking maybe Vanguard ETFs? But then again I have no idea which ones to pick.

To add I am 22 year old student.

Thank you.

Don't put any money in bitcoin. You have high risk with short time frame usually that does not mix. Go martingale $100 per day in a casino on blackjack

I was looking to have 10% cash on hand to purchase stock if the market has a correction and decreases by 20%. This might not be a great idea because everyone always says not to time the market but is something I thought might be important.

In terms of international I don't have a great reason. Would you suggest taking some of my international allocation and putting that into a small cap value fund or VTI. Also, if you think small cap value is a good idea would you go with the ETF or mutual fund?

A lot of people put a % of their invest-able money in assets that aren't correlated to the market so I am not saying having some in cash is a bad idea. However, you may want to think about other asset classes that are not correlated to the market too. Having some powder dry isn't a bad idea if you know what you are doing.

Country: US
Income: $140k annual W2 income (married)
Risk Tolerance: High
Timeframe: 40+ yrs
Debt: $15k student loans @ ~4%
Other Info:
I have a profit-sharing plan and wife has 401k; I also have ~20kish in an IRA. We will be starting a family in 5 years and income will remain similar.

More of a tax question but I want to know if I should roll the IRA in to a Roth?

In the Uk the max I can put in an ISA is £15,000 a year, should I be doing this every year? people kept telling me I should, but it is only 1.5%, wouldn't just putting it in a vanguard or something be better?

1.5% of what?

1.5% interest rate

You can put it in a stocks and shares ISA and invest it. You can some tax benefits for doing so.

Sorry for the stupid question but is it just tax free interest? Or I can write off 15,000 from my years taxes? Because I play poker for a living and don't have to pay any tax at all in the UK.

It seems even with the tax free interest I should see more return in the long run in some type of vanguard fund? I am planning on investing for around 25 years.

Again, sorry I am so clueless about this stuff.

Hello, thanks for providing this helpful service. Here is my information:

Country: United States of America
Income: About 9 thousand U.S. dollars to invest or trade
Risk Tolerance: Medium, I think. Willing to have 20% chance of losing net over a year.
Timeframe for investment: a year, and perhaps more, depending on how it works out.
Debt: no debt

I am looking for some way to aggressively invest or trade that might net 40% or more on average per year. Not sure it it's relevant, but I have software development and computer automation skills. Any input would be appreciated, thanks.

What your asking is impossible.

Was hoping to get anyones last thoughts on my portfolio allocation. Young investor with a long time horizon. Thanks for any opinions.

VEU - Total market ex-us: 17.5%
*Expense Ratio=.15%
VSS - Total market ex-us Small Cap: 10%
*Expense Ratio=.20%
VTI - Total Market ETF: 45%
*Expense ratio=.05%
IJS - Small Cap Value Fund: 17.5%
*Expense Ratio=.25%
Fidelity US Bond Index Fund (FBIDX): 10%
*Expense Ratio=.22%

It looks fine. Read below to find 150 portfolios better.

http://whitecoatinvestor.com/150-por...er-than-yours/

Age: 28
Country you live in: Canada
Income: $50k-100k (poker)
Monthly Expenses: 3-5k/mo
Risk Tolerance: High
Timeframe for investment: Life
Debt: None

I recently decided to start taking this money thing seriously and here's what I have right now:
100k poker roll
110k in bitcoin
31k in TFSA with following:
5000 Vanguard FTSE Canada All Cap (VCN)
5000 Vanguard US Total Market (VUN)
5000 iShares MSCI EAFE IMI (XEF)
5000 Vanguard Canadian Aggregate Bond (VAB)
3500 TD Canadian Index – e (TDB900)
3500 TD US Index – e (TDB902)
3500 TD International Index – e (TDB911)

I kinda wish I found out about all this when I had 500k worth of Bitcoin because I probably would've cashed out all of it but oh well.

I don't pay tax on poker winnings and I hope to play poker until it's dead so I'm not touching the poker roll. I plan on maxing out the TFSA every year and buying more of the indexes listed above at 85/15 stocks/bonds ratio.

What do? I don't have to pay any taxes on the TFSA, should I just keep maxing this out every year? What can I do better? I don't have an education but I am going to school part-time (that I am paying for out of my own pocket) just in case poker falls through that I have something.

Mad out Tisa every year. Drastically lower bit coin exposure. Lower your monthly expenses. You can't afford 4k average monthly expenses on a wildly variant 6k average monthly income. If poker falls through, your backup might not be as lucrative and you should get used to living below your means. also if poker falls through, your roll will take quite a hit before you decide you're done with poker. So make sure you mentally prepare yourself for a cutoff ( ie lose 50k ,etc...)

Not sure what's keeping you in bit coins aside from chasing losses.

Thanks for your response. I will definitely be trying to be more frugal.

As for bitcoin - I bought $2k worth back in the day and I am a believer that it will hit it big eventually. I guess I still am chasing losses in a way, but it's a little better than the initial post of mine lets on I want to be exposed to the point where losing everything won't affect me greatly but if it succeeds in 5 years time then I am very well off.

If you had 241k cash in the bank, would you invest 110k in bitcoins?