Search found 4244 matches

Return to advanced search

Re: The mathematics of recouping loss

The reciprocal of x is 1/x. Expressing this in terms of percentages changes nothing.

[OT comment removed by admin LadyGeek]
by 555
Fri Nov 21, 2014 9:07 pm
 
Forum: Investing - Theory, News & General
Topic: The mathematics of recouping loss
Replies: 11
Views: 1243

Re: fidelity refusing custodian custodian rollover

Last month, I rolled over my Fidelity 401k to a new Fidelity IRA. It took 5 minutes on the phone and 1 day to show up in the IRA. I then had Vanguard initiate a rollover the Fidelity IRA into a new Vanguard IRA. This took a couple weeks. Both were really simple to do. Was there any time "out o...
by 555
Fri Nov 21, 2014 5:44 pm
 
Forum: Personal Finance (Not Investing)
Topic: fidelity refusing custodian custodian rollover
Replies: 35
Views: 2812

Re: Target Retirement Glidepath Timing

The asset allocation changes gradually. There are no sudden jumps.
by 555
Wed Nov 19, 2014 9:59 pm
 
Forum: Investing - Theory, News & General
Topic: Target Retirement Glidepath Timing
Replies: 3
Views: 914

Re: When do your account returns dwarf your contributions?

Some days my account drops more than one month 's worth of contributions in a single day . Some months my account drops more than one year 's worth of contributions in a single month . When so much savings contributions can be wiped out in such a short time, I can be happy that I am making good prog...
by 555
Tue Nov 18, 2014 8:30 pm
 
Forum: Investing - Theory, News & General
Topic: When do your account returns dwarf your contributions?
Replies: 51
Views: 5738

Re: When do your account returns dwarf your contributions?

assume a 5% return for the sake of simplicity, If you have any volatile assets like stocks then your account balance fluctuates wildly up and down. It's absolutely nothing like the steady "bank interest" type increase you describe. I've seen this before, but this whole "account retur...
by 555
Mon Nov 17, 2014 10:47 pm
 
Forum: Investing - Theory, News & General
Topic: When do your account returns dwarf your contributions?
Replies: 51
Views: 5738

Re: what about adding $ to poorly performing asset classes?

Thanks for the replies all. I got the answer to my question, which I conclude boils down to a 'maybe.' The answer is, if you could be bothered, you might as well do it. ETA: it's what mutual funds do when they have an allocation to maintain, e.g. 80% stock 20% bond. They first buy the underperformi...
by 555
Mon Nov 17, 2014 12:11 pm
 
Forum: Investing - Theory, News & General
Topic: what about adding $ to poorly performing asset classes?
Replies: 23
Views: 2483

Re: Expenses are ??

This is easy. If you give away some money, then you don't have it any more.
by 555
Sat Nov 15, 2014 10:04 pm
 
Forum: Investing - Theory, News & General
Topic: Expenses are ??
Replies: 11
Views: 1625

Re: fidelity refusing custodian custodian rollover

nisiprius wrote:
livesoft wrote:...That would still be a concern with the Fidelity IRA -> Vanguard IRA transfer, would it not?...
It wasn't for me. I transferred in kind, and exchanged the Fidelity mutual funds for Vanguard funds at Vanguard.
livesoft wrote:^Did Vanguard charge a fee to sell those Fidelity funds? Will Vanguard accept Fidelity Spartan Advantage funds in-kind?
I'd definitely like to hear about this one.
by 555
Sat Nov 15, 2014 5:17 pm
 
Forum: Personal Finance (Not Investing)
Topic: fidelity refusing custodian custodian rollover
Replies: 35
Views: 2812

Re: Advantages of HSA?

My primary care doctor does not take any insurance. Since it is unlikely that my out of pocket expenses will exceed my deductible there is no financial penalty for me going to this doctor rather than an "in network" doctor. This is not correct, because in-network rates are limited; even i...
by 555
Sat Nov 15, 2014 5:12 pm
 
Forum: Personal Finance (Not Investing)
Topic: Advantages of HSA?
Replies: 13
Views: 1198

Re: fidelity refusing custodian custodian rollover

For obvious reasons, I do not want to do that since I've heard stories where the 30 days pass & one essentially withdrew the retirement money & now owe penalty taxes. The stories you heard, popularized in part by Clark Howard and maybe Suze Orman, are not accurate. As long as the check is m...
by 555
Sat Nov 15, 2014 3:45 pm
 
Forum: Personal Finance (Not Investing)
Topic: fidelity refusing custodian custodian rollover
Replies: 35
Views: 2812

Re: fidelity refusing custodian custodian rollover

For obvious reasons, I do not want to do that since I've heard stories where the 30 days pass & one essentially withdrew the retirement money & now owe penalty taxes. The stories you heard, popularized in part by Clark Howard and maybe Suze Orman, are not accurate. As long as the check is m...
by 555
Sat Nov 15, 2014 1:24 pm
 
Forum: Personal Finance (Not Investing)
Topic: fidelity refusing custodian custodian rollover
Replies: 35
Views: 2812

Re: fidelity refusing custodian custodian rollover

I agree with you 555, but instead of one transfer, you would be doing 2 transfers: Fidelity 401(k) -> Fidelity IRA, then FIdelity IRA -> Vanguard IRA. That's not as simple as Fidelity 401(k) -> Vanguard IRA. Also, the idea of being out of the market is also a concern as you pointed out. That would ...
by 555
Sat Nov 15, 2014 1:20 pm
 
Forum: Personal Finance (Not Investing)
Topic: fidelity refusing custodian custodian rollover
Replies: 35
Views: 2812

Re: Time Out of Market During Rollover

Just checking back to see how this went. I'm rolling between 403b providers at my employer, and I used the tricks I mentioned above to avoid stock volatility, but I'm still finding that even the not so volatilite assets can swing a bit too.
by 555
Sat Nov 15, 2014 12:36 pm
 
Forum: Personal Finance (Not Investing)
Topic: Time Out of Market During Rollover
Replies: 18
Views: 1202

Re: Non performance by executrix

Any news? This whole story was pretty strange.
by 555
Sat Nov 15, 2014 12:33 pm
 
Forum: Personal Finance (Not Investing)
Topic: Non performance by executrix
Replies: 39
Views: 3300

Re: fidelity refusing custodian custodian rollover

I'll be doing this in the future, so there's good information here. The check thing is no big thing and just misplaced worry on your part. I'm with the OP here. The risk may be relatively small, but it still seems to me that the check method still has some small risk of messing up and becoming a lum...
by 555
Sat Nov 15, 2014 12:20 pm
 
Forum: Personal Finance (Not Investing)
Topic: fidelity refusing custodian custodian rollover
Replies: 35
Views: 2812

Re: Advantages of HSA?

An advantage of HSAs is that you can see any medical professional you desire, have any procedure you want done and the expense is tax deductible. You are no longer limited by what your health insurance allows. For me, being able to do want I want and not what my insurance company wants is a huge ad...
by 555
Sat Nov 15, 2014 11:39 am
 
Forum: Personal Finance (Not Investing)
Topic: Advantages of HSA?
Replies: 13
Views: 1198

Re: Advantages of HSA?

Hey guys, I'm pretty new to the investment arena and read about how HSAs are a nice 'tax-free' way of saving and sheltering money. I haven't signed up for one but was always curious as to what the advantages and risks are, besides using it as a long-term investment vehicle. Like, is it risky for so...
by 555
Sat Nov 15, 2014 11:30 am
 
Forum: Personal Finance (Not Investing)
Topic: Advantages of HSA?
Replies: 13
Views: 1198

Re: HSA Contribution: Can I do a end of year lump sum?

I am opening an HSA in 2015. I plan to make the full year contribution in a single one lump payroll deduction. I checked with my employer that this is fine. There are still things that can go wrong. There are processing delays. They could mess up and deduct twice (or zero times) instead of once. So ...
by 555
Sat Nov 15, 2014 10:54 am
 
Forum: Personal Finance (Not Investing)
Topic: HSA Contribution: Can I do a end of year lump sum?
Replies: 3
Views: 385

Re: Save now.... Or later?

The usual advice is to drain your taxable investments before moving on to tax-advantaged accounts. The reason is that you want the funds in tax-sheltered accounts to compound tax-free for as long as possible. You have an additional incentive - getting a subsidy on your health insurance premiums. I'...
by 555
Fri Nov 14, 2014 4:22 pm
 
Forum: Personal Finance (Not Investing)
Topic: Save now.... Or later?
Replies: 11
Views: 1854

Re: What NW amount makes this person financially free?

greg24 wrote:3% SWR would say $800k.

4% SWR would say $600k.


As common sense would dictate, the longer you need your money to last, the less you can afford to withdraw.

You need a lot more money to support yourself from age 35, than from age 65. (that's an extra 30 years of expenses).
by 555
Fri Nov 14, 2014 4:09 pm
 
Forum: Investing - Theory, News & General
Topic: What NW amount makes this person financially free?
Replies: 19
Views: 2437

Re: Boglehead family vacations

Those are long trips, kudos for prioritizing vacations and family time. What do you do for lodging and food? Extended stay hotel with kitchen. Cook own food (bought from walmart) and pack lunch for the day. No, each pass is for one specific person. We make two approx 3-week "annual" trips...
by 555
Thu Nov 13, 2014 2:42 pm
 
Forum: Personal Consumer Issues
Topic: Boglehead family vacations
Replies: 44
Views: 3653

Re: Boglehead family vacations

Even if I lived in FL, I wouldn't go enough to make an annual pass worthwhile (at $675), but it definitely isn't of much use to someone who lives in Illinois. Curious, though, is an annual pass valid for only one person? In other words, if you buy a pass, can you give it to a relative or friend to ...
by 555
Thu Nov 13, 2014 12:48 pm
 
Forum: Personal Consumer Issues
Topic: Boglehead family vacations
Replies: 44
Views: 3653

Re: Boglehead family vacations

We go to WDW for $45/person/day including park passes, accommodation, transport and food. Some people spend ridiculous amounts on holidays. Not very frugal. Are you having a flashback to 1980? Disney World ticket prices are now about $70 to $100 per person, not including parking or food (or lodging...
by 555
Thu Nov 13, 2014 11:28 am
 
Forum: Personal Consumer Issues
Topic: Boglehead family vacations
Replies: 44
Views: 3653

Re: Boglehead family vacations

We go to WDW for $45/person/day including park passes, accommodation, transport and food.

Some people spend ridiculous amounts on holidays. Not very frugal.
by 555
Wed Nov 12, 2014 7:23 pm
 
Forum: Personal Consumer Issues
Topic: Boglehead family vacations
Replies: 44
Views: 3653

Re: How do you track the value of your illiquid assets ?

obgyn65 wrote:I don't track my illiquid assets.

I do. I say:
my house is worth one house
my car is worth one car
my one week's groceries is worth one week's groceries
my random pile of stuff is worth one random pile of stuff
etc.
It's all one big portfolio.
by 555
Wed Nov 12, 2014 7:04 pm
 
Forum: Personal Finance (Not Investing)
Topic: How do you track the value of your illiquid assets ?
Replies: 50
Views: 2530

Re: what is the actual value of my tax deferred accounts?

Possibly been already answered but didn't want to start a new thread but let's say your taxable is 500k and the contributions are 400k and returns are 100k Also you are in 30% tax bracket. Does that mean your actual tax rate on the 500k would be considered 6%? (.30)(100)/500 Is my math right? No, t...
by 555
Wed Nov 12, 2014 6:59 pm
 
Forum: Investing - Theory, News & General
Topic: what is the actual value of my tax deferred accounts?
Replies: 53
Views: 3682

Re: what is the actual value of my tax deferred accounts?

I simply treat $X in pre-tax (traditional) accounts as $X pre-tax. It's just money to generate gross income from, and you'll pay tax on it. Obviously you try to manage your withdrawals. You may not know future tax rates in the future, but you also don't know your future account balance, and you don'...
by 555
Wed Nov 12, 2014 6:58 pm
 
Forum: Investing - Theory, News & General
Topic: what is the actual value of my tax deferred accounts?
Replies: 53
Views: 3682

Re: what is the actual value of my tax deferred accounts?

Possibly been already answered but didn't want to start a new thread but let's say your taxable is 500k and the contributions are 400k and returns are 100k Also you are in 30% tax bracket. Does that mean your actual tax rate on the 500k would be considered 6%? (.30)(100)/500 Is my math right? No, t...
by 555
Wed Nov 12, 2014 6:49 pm
 
Forum: Investing - Theory, News & General
Topic: what is the actual value of my tax deferred accounts?
Replies: 53
Views: 3682

Re: Ouch! IRS penalty for underpayment, Any ideas?

There is a provision in the IRS regulations for something called a "First Time Abatement" (FTA), where if a taxpayer contacts the IRS to explain that this is the first time s/he has made a particular mistake that resulted in a penalty, the IRS has the discretion to grant a waiver if they ...
by 555
Tue Nov 11, 2014 9:45 pm
 
Forum: Personal Finance (Not Investing)
Topic: Ouch! IRS penalty for underpayment, Any ideas?
Replies: 24
Views: 3104

Re: Why does FSGDX have such a low yield compared to VTIAX?

I found these https://personal.vanguard.com/us/funds/snapshot?FundId=0569&FundIntExt=INT https://investor.vanguard.com/mutual-funds/profile/overview/X472?FundIntExt=EXT So the indexes are different and may differ from each other by a few tens of basis points per year. Sometimes one index wins, s...
by 555
Tue Nov 11, 2014 8:04 pm
 
Forum: Investing - Theory, News & General
Topic: Why does FSGDX have such a low yield compared to VTIAX?
Replies: 11
Views: 1790

Re: Why does FSGDX have such a low yield compared to VTIAX?

Anyone have any ideas about this. There are unanswered questions about these funds. I own both of these funds. I would like you to do two things to investigate this issue please. 1. Plot "Growth of" at Morningstar for the 2 funds simuitaneously. Is there a ~2% difference? It would be very ...
by 555
Fri Nov 07, 2014 9:23 pm
 
Forum: Investing - Theory, News & General
Topic: Why does FSGDX have such a low yield compared to VTIAX?
Replies: 11
Views: 1790

Re: Brother involved with golddigger

There are some very dangerous predators out there. There are vulnerable targets. The few pieces of information we have are at least consistent with these profiles. It is certainly right to try to protect family members from major harm.
by 555
Fri Nov 07, 2014 9:20 pm
 
Forum: Personal Finance (Not Investing)
Topic: Brother involved with golddigger
Replies: 37
Views: 8267

Re: IRA withdrawals starting at age 60

Surely an optimal strategy would be to use taxable account funds for living expenses, and covert as much as you can from Trad to Roth without going into a too high tax bracket. I don't see how it could make sense to use Trad IRA funds for living expenses, while you have taxable funds available (unle...
by 555
Fri Nov 07, 2014 7:54 pm
 
Forum: Personal Finance (Not Investing)
Topic: IRA withdrawals starting at age 60
Replies: 8
Views: 1447

Re: Brother involved with golddigger

We recently found out that Delilah arranged for him to meet with a lawyer to draw up a will and medical directive. She is named as the executor and main beneficiary of both. Bad news. We have done a preliminary check. A lot of sketchy real estate deals. He joked that my sister thought he was living...
by 555
Fri Nov 07, 2014 7:46 pm
 
Forum: Personal Finance (Not Investing)
Topic: Brother involved with golddigger
Replies: 37
Views: 8267

Re: Would you invest in taxable active funds if you had no i

As I posted in your other thread about the effect on taxes of large unpredictable capital gains distributions http://www.bogleheads.org/forum/viewtopic.php?f=2&t=149944&p=2244150#p2244150 If you are concerned about tax planning, e.g. wanting to stay within a certain tax bracket, or otherwise...
by 555
Sat Nov 01, 2014 3:17 pm
 
Forum: Personal Finance (Not Investing)
Topic: Would you invest in taxable active funds if you had no incom
Replies: 15
Views: 927

Re: When Capital gains are paid out on a fund does the share

If you are concerned about tax planning, e.g. wanting to stay within a certain tax bracket, or otherwise staying below some threshold, then you most definitely do not want a fund in your taxable account that is liable to blurt out large unpredictable capital gains distributions, especially in late D...
by 555
Sat Nov 01, 2014 2:00 pm
 
Forum: Personal Finance (Not Investing)
Topic: When Capital gains are paid out on a fund does the share
Replies: 18
Views: 1180

Re: Why does FSGDX have such a low yield compared to VTIAX?

If you are worried about small caps... This wiki page illustrates just how much variability there is among benchmarks that are all supposedly tracking the same asset class: global ex-US stocks: http://www.bogleheads.org/wiki/Global_ex_US_market_index_returns I just saw this, and thanks for the furt...
by 555
Sat Nov 01, 2014 1:40 pm
 
Forum: Investing - Theory, News & General
Topic: Why does FSGDX have such a low yield compared to VTIAX?
Replies: 11
Views: 1790

Re: Why does FSGDX have such a low yield compared to VTIAX?

I believe FSGDX has no small caps, and I think international small caps have outperformed large caps over your charted period. It's true that FSGDX has no small caps. But when I add Vanguard FTSE All-World ex-US Small-Cap Index Fund Investor Shares (VFSVX) to this comparison: 1. Plot "Growth o...
by 555
Sat Nov 01, 2014 1:14 pm
 
Forum: Investing - Theory, News & General
Topic: Why does FSGDX have such a low yield compared to VTIAX?
Replies: 11
Views: 1790

Re: Why does FSGDX have such a low yield compared to VTIAX?

1. Plot "Growth of" at Morningstar for the 2 funds simultaneously. Is there a ~2% difference? It would be very obvious. Okay, I did that. From 09/08/2011 (perhaps when FSGDX started(?)) to 11/01/2014 $10k grows to: FSGDX $12,753.18 VTIAX $12,991.40 which actually is a non-trivial differen...
by 555
Sat Nov 01, 2014 11:14 am
 
Forum: Investing - Theory, News & General
Topic: Why does FSGDX have such a low yield compared to VTIAX?
Replies: 11
Views: 1790

Why does FSGDX have such a low yield compared to VTIAX?

Why does FSGDX have such a low yield compared to VTIAX?? Fidelity Spartan Glb ex USIdxAdvtg FSGDX 1.43% http://quotes.morningstar.com/fund/FSGDX/f?t=FSGDX Vanguard Total Intl Stock Index Admiral VTIAX 3.36% http://quotes.morningstar.com/fund/VTIAX/f?t=VTIAX The two funds are basically the same (Glob...
by 555
Sat Nov 01, 2014 8:21 am
 
Forum: Investing - Theory, News & General
Topic: Why does FSGDX have such a low yield compared to VTIAX?
Replies: 11
Views: 1790

Re: Getting more $ from employer by taking $$ive insurance

So if your employer gave you a corporate-car (rental) where you paid part of the cost, would you take the Option 1: Annual $10K costing the employer 7K, rest is your cost (3K) or Option 2: Annual $6K costing the employer 6K, rest is your cost (0) Option 1 would maximize your benefit package. Would ...
by 555
Fri Oct 31, 2014 9:36 pm
 
Forum: Personal Finance (Not Investing)
Topic: Getting more $ from employer by taking $$ive insurance
Replies: 7
Views: 885

Re: PPO vs HSA (hsa seems too good to be true)

thanks everyone for your super helpful responses ! i went with the HSA . You do realize that an HSA is not health insurance. And you can't just get an HSA by itself. I think this is due to marketing by the health insurers. "High deductible health insurance" doesn't sound so good, whereas ...
by 555
Fri Oct 31, 2014 12:50 pm
 
Forum: Personal Finance (Not Investing)
Topic: PPO vs HSA (hsa seems too good to be true)
Replies: 24
Views: 2738

Re: PPO vs HSA (hsa seems too good to be true)

Yuik wrote:thanks everyone for your super helpful responses ! i went with the HSA .

You do realize that an HSA is not health insurance. And you can't just get an HSA by itself.
by 555
Thu Oct 30, 2014 8:20 pm
 
Forum: Personal Finance (Not Investing)
Topic: PPO vs HSA (hsa seems too good to be true)
Replies: 24
Views: 2738

Getting more $ from employer by taking $$ive insurance

I was discussing health insurance options with my wife and she made the interesting point that if you take the more expensive health insurance, to which the employer contributes more dollars, you are effectively getting paid more by your employer. For example we have the following options. Regular h...
by 555
Thu Oct 30, 2014 3:06 pm
 
Forum: Personal Finance (Not Investing)
Topic: Getting more $ from employer by taking $$ive insurance
Replies: 7
Views: 885

Re: HSA contribution limited by insurance company

It sounds like they don't want the employer to fund more than half the deductible (meaning that the employee should have 'skin in the game' to help control costs). That doesn't make any sense at all. If my employer gives me $6650 in my HSA then it becomes my money, and I'm going to be just as fruga...
by 555
Wed Oct 29, 2014 9:41 pm
 
Forum: Investing - Theory, News & General
Topic: HSA contribution limited by insurance company
Replies: 13
Views: 961

Re: HSA contribution limited by insurance company

It sounds like they don't want the employer to fund more than half the deductible (meaning that the employee should have 'skin in the game' to help control costs). That doesn't make any sense at all. If my employer gives me $6650 in my HSA then it becomes my money, and I'm going to be just as fruga...
by 555
Wed Oct 29, 2014 6:50 pm
 
Forum: Investing - Theory, News & General
Topic: HSA contribution limited by insurance company
Replies: 13
Views: 961

Re: Annually Recalculated Virtual Annuity

Nisi, it's generally not like you to comment on something you haven't read, although I do admit the mortality credit issue crossed my mind as well. Why on earth should he bother to read it? The mortality credit question is obvious. The OP should have explicitly addressed it in his post. Without suc...
by 555
Tue Oct 28, 2014 10:47 pm
 
Forum: Investing - Theory, News & General
Topic: Annually Recalculated Virtual Annuity
Replies: 9
Views: 923

Re: PPO vs HSA (hsa seems too good to be true)

Didn't read the post, but I can say that "PPO vs HSA" is obviously an apples to oranges comparison.

"PPO vs HSA" doesn't really make sense.
by 555
Tue Oct 28, 2014 10:23 pm
 
Forum: Personal Finance (Not Investing)
Topic: PPO vs HSA (hsa seems too good to be true)
Replies: 24
Views: 2738

Re: HSA account with the lowest cost: HSA bank or Vanguard?

General question: what kinds of transaction are people able to make in their HSAs. Can you only buy and sell mutual funds, i.e. exchange mutual funds for cash, or are you also able to dirctly exchange one mutual fund for another mutual fund? What about something more complicated like exchanging one ...
by 555
Sun Oct 26, 2014 1:52 pm
 
Forum: Personal Finance (Not Investing)
Topic: HSA account with the lowest cost: HSA bank or Vanguard?
Replies: 16
Views: 2003
Next

Return to advanced search