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Re: 12b-1 Fees

I'll give you all an update if he follows up with the plan administrator. I hope he does.
by Brantley
Wed Aug 27, 2014 10:07 am
 
Forum: Investing - Help with Personal Investments
Topic: 12b-1 Fees
Replies: 13
Views: 674

Re: 12b-1 Fees

I'm guessing this is some kind of proprietary private flavor that is somehow constituted as not a SEC registered mutual fund. Somebody else here will know more about such things, but I agree with Dutch that the place to go is the plan administrator at your friend's employer. You're correct - it is ...
by Brantley
Tue Aug 26, 2014 7:36 pm
 
Forum: Investing - Help with Personal Investments
Topic: 12b-1 Fees
Replies: 13
Views: 674

Re: 12b-1 Fees

dodonnell wrote:JPMorgan SmartRetirement 2050 C

The class used in your 401k most likely is very similar to this funds 12b-1 Fees of 0.75%.

Not positive about that. The expense ratio for JTSCX is a fair amount higher as compared to the amount charged by his 401k (.78 net fee).
by Brantley
Tue Aug 26, 2014 7:06 pm
 
Forum: Investing - Help with Personal Investments
Topic: 12b-1 Fees
Replies: 13
Views: 674

Re: 12b-1 Fees

fposte wrote:It's a Class C fund, so there's usually some back-end charge.

Are you sure about the CUSIP, though? J. P. Morgan's look generally to start with 4812A.

Yes CUSIP is correct. What would the back-end charge be disclosed as?
by Brantley
Tue Aug 26, 2014 6:49 pm
 
Forum: Investing - Help with Personal Investments
Topic: 12b-1 Fees
Replies: 13
Views: 674

Re: 12b-1 Fees

Sciray wrote:Also, it looks like that fund has a back end load, which could cost you even more if your friend decides to leave the job and rollover the account (thus selling the shares).
What leads you to believe the fund has a back end load?
by Brantley
Tue Aug 26, 2014 5:46 pm
 
Forum: Investing - Help with Personal Investments
Topic: 12b-1 Fees
Replies: 13
Views: 674

12b-1 Fees

Hello all, Legal question here. A friend of mine has a company 401(k) with JP Morgan, which includes JPMorgan Smart Retire 2050 Class C, CUSIP 202919569. We are having trouble finding information regarding fees charged. JPMorgan only provides a summary prospectus, which states "The fund is not ...
by Brantley
Tue Aug 26, 2014 4:44 pm
 
Forum: Investing - Help with Personal Investments
Topic: 12b-1 Fees
Replies: 13
Views: 674

Re: Zegna Suits

I've been a fan of Joseph Abboud suits, which I used to buy on sale at Nordstrom. I very much like the quality, and they fit me perfectly without alterations (other than finishing the legs). I believe that the company was recently bought out by Men's Wearhouse. Take a look. Should be under $700. I'...
by Brantley
Mon Aug 25, 2014 11:41 am
 
Forum: Personal Consumer Issues
Topic: Zegna Suits
Replies: 197
Views: 9549

Re: Zegna Suits

Hi all, I am shopping for outfit for my upcoming wedding. I like ZEGNA line, their suits are very comfortable and made in Italy from good Egyptian or Australian fabrics, The outfit from Zegna would run me about $4500, is this too pricy? I tried on Armani, Boss, Canelli, but these definitely do not ...
by Brantley
Mon Aug 25, 2014 10:02 am
 
Forum: Personal Consumer Issues
Topic: Zegna Suits
Replies: 197
Views: 9549

Re: "The Bogleheads' Guide to Investing -- Second Edition"

I too have bought the first edition already. Are there significant changes in the second edition? Is it worth a purchase?
by Brantley
Thu Aug 21, 2014 3:40 pm
 
Forum: Investing - Theory, News & General
Topic: "The Bogleheads' Guide to Investing -- Second Edition"
Replies: 42
Views: 7021

Re: Stop Passing Up This Great Deal - In Money Magazine

However intuitively it does seem true that Roth savings would come out ahead even if tax brackets stay the same or dip a little in retirement, assuming you have a couple of decades or more for the compounding. Think about it - $10K invested today could easily become $40K in 30 years. If you invest ...
by Brantley
Thu Aug 14, 2014 8:16 pm
 
Forum: Investing - Theory, News & General
Topic: Stop Passing Up This Great Deal - In Money Magazine
Replies: 80
Views: 11326

Re: Best Coffee Maker? What do you have?

French press all the way - love my espro press. Purchased the mid size during their kickstarter. Not cheap but makes a great cup of coffee.
by Brantley
Tue Aug 05, 2014 6:45 pm
 
Forum: Personal Consumer Issues
Topic: Best Coffee Maker? What do you have?
Replies: 75
Views: 6140

Re: Stop Passing Up This Great Deal - In Money Magazine

Here's a link to a TRP article that contains the quote you show. http://www.thinkadvisor.com/2014/06/23/millennials-prefer-roth-iras-and-boomers-should-to In the article is a link to a study. Ritter is mentioned in both, but I don't think he did the study, although he may have been involved. Paul R...
by Brantley
Sun Aug 03, 2014 4:09 pm
 
Forum: Investing - Theory, News & General
Topic: Stop Passing Up This Great Deal - In Money Magazine
Replies: 80
Views: 11326

Re: Stop Passing Up This Great Deal - In Money Magazine

Here's a link to a TRP article that contains the quote you show. http://www.thinkadvisor.com/2014/06/23/millennials-prefer-roth-iras-and-boomers-should-to In the article is a link to a study. Ritter is mentioned in both, but I don't think he did the study, although he may have been involved. Paul I...
by Brantley
Sun Aug 03, 2014 3:40 pm
 
Forum: Investing - Theory, News & General
Topic: Stop Passing Up This Great Deal - In Money Magazine
Replies: 80
Views: 11326

Re: Stop Passing Up This Great Deal - In Money Magazine

Here's a link to a TRP article that contains the quote you show. http://www.thinkadvisor.com/2014/06/23/millennials-prefer-roth-iras-and-boomers-should-to In the article is a link to a study. Ritter is mentioned in both, but I don't think he did the study, although he may have been involved. Paul R...
by Brantley
Sun Aug 03, 2014 3:19 pm
 
Forum: Investing - Theory, News & General
Topic: Stop Passing Up This Great Deal - In Money Magazine
Replies: 80
Views: 11326

Re: Stop Passing Up This Great Deal - In Money Magazine

It depends on ones current and predicted future tax rates. It also depends on how much you can afford to save. Since the limit that you can put in for yourself is $17,500 for either the pre-tax or the Roth, the $17,500 is worth quite a bit more in a Roth account. This assumes that you have enough &...
by Brantley
Sun Aug 03, 2014 3:07 pm
 
Forum: Investing - Theory, News & General
Topic: Stop Passing Up This Great Deal - In Money Magazine
Replies: 80
Views: 11326

Stop Passing Up This Great Deal - In Money Magazine

Just read article titled "stop passing up this great deal" by Penelope Wang in Money magazine regarding Roth 401(k)s. The article is relying on a recent study by T. Rowe price compiled by Stuart Ritter. I have a few question for you folks if you have also read this article. 1) Can anyone f...
by Brantley
Sun Aug 03, 2014 2:31 pm
 
Forum: Investing - Theory, News & General
Topic: Stop Passing Up This Great Deal - In Money Magazine
Replies: 80
Views: 11326

Re: NEW Investor -- 25 years old; ~35K

Mike, General forum etiquette states that you follow this template when posting your individual situation: http://www.bogleheads.org/forum/viewtopic.php?f=1&t=6212 Please do this. Depending on your 401k options, you may want to max that out first. I would put away in a traditional IRA if possib...
by Brantley
Thu Jun 12, 2014 10:54 pm
 
Forum: Investing - Help with Personal Investments
Topic: NEW Investor -- 25 years old; ~35K
Replies: 9
Views: 1286

Re: Suit [for wedding]

To answer my own question, they are made in China per the owner.
by Brantley
Wed Apr 30, 2014 10:49 pm
 
Forum: Personal Consumer Issues
Topic: Suit [for wedding]
Replies: 57
Views: 3537

Re: Suit [for wedding]

Do you know where their suits are made?
by Brantley
Wed Apr 30, 2014 6:25 pm
 
Forum: Personal Consumer Issues
Topic: Suit [for wedding]
Replies: 57
Views: 3537

Re: Suit [for wedding]

mrsq wrote:J. Crew makes good looking, well-fitting suits in the $300-$400 range.
Comparable to a full canvassed Corneliani (manufacture for PRL) suit?
by Brantley
Wed Apr 30, 2014 2:58 pm
 
Forum: Personal Consumer Issues
Topic: Suit [for wedding]
Replies: 57
Views: 3537

Re: Suit [for wedding]

nordstroms has an incredible selection and price ranges. if you can wait till the sale in july most suits are 50% off. lots of styles from classical, to the current styles of narrow and short. ralph lauren, hugo boss and higher end the other benefit is the free alterations. they have fantastic tail...
by Brantley
Wed Apr 30, 2014 2:31 pm
 
Forum: Personal Consumer Issues
Topic: Suit [for wedding]
Replies: 57
Views: 3537

Re: Suit [for wedding]

i've had luck at the nordstrom rack. They have a decent selection and I lucked out with their calvin klein suit... I think it was $200-300. I am an odd size though- 48XL. I only wear suits maybe 5x per year so I was fine cutting costs a bit. I think an affordable suit + a good tailor is better than...
by Brantley
Wed Apr 30, 2014 2:28 pm
 
Forum: Personal Consumer Issues
Topic: Suit [for wedding]
Replies: 57
Views: 3537

Re: Suit [for wedding]

tnbison wrote:I would suggest the Benjamin series at ehaberdasher.com. I got the jacket and pants and it totaled $535 but that was a couple of years ago. Full canvas, extremely well made suit.

These look nice. Do you know where they are made? Also would like to be able to try it on.
by Brantley
Wed Apr 30, 2014 2:27 pm
 
Forum: Personal Consumer Issues
Topic: Suit [for wedding]
Replies: 57
Views: 3537

Re: Suit [for wedding]

Have done a ton of research since I started this thread, and tried on many suits. For a full canvas, Italian made suit, you can't really beat $750. The second best deal I could find was the Brooks Brothers 1818 which is only half canvas, made in USA, which could be had for ~600-700 during their semi...
by Brantley
Tue Apr 29, 2014 11:08 pm
 
Forum: Personal Consumer Issues
Topic: Suit [for wedding]
Replies: 57
Views: 3537

Re: Roth IRA - tax free - totally ?

You're editing your posts while I'm responding. If you'd said that to begin with, I would have referred to it or substituted ellipses in precisely the same way you do not. Ask anybody whether that's true. Well seeing as I edited it before you posted your response, I can't help you there. Now, will ...
by Brantley
Wed Apr 09, 2014 3:18 pm
 
Forum: Investing - Theory, News & General
Topic: Roth IRA - tax free - totally ?
Replies: 67
Views: 3122

Re: Roth IRA - tax free - totally ?

I accept your apology
by Brantley
Wed Apr 09, 2014 2:07 pm
 
Forum: Investing - Theory, News & General
Topic: Roth IRA - tax free - totally ?
Replies: 67
Views: 3122

Re: Roth IRA - tax free - totally ?

Phineas J. Whoopee wrote:
Are you denying that, keeping all other things equal so we can isolate the difference, the investor will have just as many dollars to spend from a Traditional IRA as from a Roth IRA?


Brantley wrote: You're arguing if tax rates are equal, you end up with the same net money roth vs tIRA (also true).


...
by Brantley
Wed Apr 09, 2014 1:53 pm
 
Forum: Investing - Theory, News & General
Topic: Roth IRA - tax free - totally ?
Replies: 67
Views: 3122

Re: Roth IRA - tax free - totally ?

If you didn't get the earlier explanations in this thread alone why should you expect to get yet another one? If you'd like to disagree with them, including mine, fine but say so and why, please. PJW Slow down there tough guy. I did say so and why above Thanks for the compliment. I am feeling my oa...
by Brantley
Wed Apr 09, 2014 1:01 pm
 
Forum: Investing - Theory, News & General
Topic: Roth IRA - tax free - totally ?
Replies: 67
Views: 3122

Re: Roth IRA - tax free - totally ?

I'm aware of that. You seem to be missing my point. The gain is still included in AGI. If it was "tax free," you'd only include your principal upon withdrawal. Stop with the words. They are just confusing the the issue. Congress labeled the tIRA "tax deferred". When they made th...
by Brantley
Wed Apr 09, 2014 12:43 pm
 
Forum: Investing - Theory, News & General
Topic: Roth IRA - tax free - totally ?
Replies: 67
Views: 3122

Re: Roth IRA - tax free - totally ?

The correct statement would be:

Generally, if the funds would be taxed at the same rate now as in retirement, you will end up with the same net amount of money.

But, I don't think it's technically correct to say you aren't paying tax on the gains.
by Brantley
Wed Apr 09, 2014 12:36 pm
 
Forum: Investing - Theory, News & General
Topic: Roth IRA - tax free - totally ?
Replies: 67
Views: 3122

Re: Roth IRA - tax free - totally ?

I'm aware of that. You seem to be missing my point. The gain is still included in AGI. If it was "tax free," you'd only include your principal upon withdrawal.
by Brantley
Wed Apr 09, 2014 12:31 pm
 
Forum: Investing - Theory, News & General
Topic: Roth IRA - tax free - totally ?
Replies: 67
Views: 3122

Re: Roth IRA - tax free - totally ?

Phineas J. Whoopee wrote:If you didn't get the earlier explanations in this thread alone why should you expect to get yet another one? If you'd like to disagree with them, including mine, fine but say so and why, please.
PJW

Slow down there tough guy. I did say so and why above
by Brantley
Wed Apr 09, 2014 12:16 pm
 
Forum: Investing - Theory, News & General
Topic: Roth IRA - tax free - totally ?
Replies: 67
Views: 3122

Re: Roth IRA - tax free - totally ?

It is just semantics. I meant the same thing you are saying. I was clearing up the comment that gains in a traditional IRA are tax free. They are taxable income (taxed) when withdrawn. Whether or not you need to pay tax on that income is a different story and a different question. Stop quibbling wi...
by Brantley
Wed Apr 09, 2014 12:05 pm
 
Forum: Investing - Theory, News & General
Topic: Roth IRA - tax free - totally ?
Replies: 67
Views: 3122

Re: Roth IRA - tax free - totally ?

Contrary to a few statements above, distributions from traditional IRAs are not necessarily taxed. Although they are included in gross income, it's possible that taxable income is $0, in which case tIRA distributions after age 59 1/2 would not be taxed. I have family members for whom this has been ...
by Brantley
Tue Apr 08, 2014 11:36 pm
 
Forum: Investing - Theory, News & General
Topic: Roth IRA - tax free - totally ?
Replies: 67
Views: 3122

Re: Roth IRA - tax free - totally ?

Contrary to a few statements above, distributions from traditional IRAs are not necessarily taxed. Although they are included in gross income, it's possible that taxable income is $0, in which case tIRA distributions after age 59 1/2 would not be taxed. I have family members for whom this has been ...
by Brantley
Tue Apr 08, 2014 6:08 pm
 
Forum: Investing - Theory, News & General
Topic: Roth IRA - tax free - totally ?
Replies: 67
Views: 3122

Re: Roth IRA - tax free - totally ?

Phineas J. Whoopee wrote:
But it's a little misleading, although I know you didn't intend it that way, to say "With a traditional IRA, gains are taxed upon withdrawal."

PJW
Misleading in which way? You just gave further details to prove my point.
by Brantley
Tue Apr 08, 2014 6:06 pm
 
Forum: Investing - Theory, News & General
Topic: Roth IRA - tax free - totally ?
Replies: 67
Views: 3122

Re: Roth IRA - tax free - totally ?

Seems like there's some confusion going on here. With a traditional IRA, gains are taxed upon withdrawal. But, Roth's are not really "tax free." The main difference b/w a Roth and Traditional is timing. If you expect to be in lower tax bracket in retirement than your current bracket [most ...
by Brantley
Tue Apr 08, 2014 5:04 pm
 
Forum: Investing - Theory, News & General
Topic: Roth IRA - tax free - totally ?
Replies: 67
Views: 3122

Re: 401 [401(k) Portfolio help]

jmndu99 wrote:If your girlfriend's portfolio was important to her, she would be the one coming with the questions, not you.

Thanks?
by Brantley
Mon Mar 03, 2014 12:51 am
 
Forum: Investing - Help with Personal Investments
Topic: 401 [401(k) Portfolio help]
Replies: 7
Views: 191

Re: 401 [401(k) Portfolio help]

Been together quite a while. Not an issue. Just looking for allocation advise.
by Brantley
Mon Mar 03, 2014 12:32 am
 
Forum: Investing - Help with Personal Investments
Topic: 401 [401(k) Portfolio help]
Replies: 7
Views: 191

Re: 401 [401(k) Portfolio help]

Does your girlfriend like investing at all and pay attention to this sort of stuff? If the answer is yes then breaking out into individual holdings could lower her expenses slightly. If the answer is no, she can stick with the target retirement fund so that the company does the work to maintain her...
by Brantley
Mon Mar 03, 2014 12:26 am
 
Forum: Investing - Help with Personal Investments
Topic: 401 [401(k) Portfolio help]
Replies: 7
Views: 191

401 [401(k) Portfolio help]

Hey all. Question for my girlfriend's 401k Emergency funds: All set Debt: None Tax Filing Status: Single Tax Rate: 25% Federal, 5.25% State State of Residence: MA Age: 25 Desired Asset allocation: 90% stocks / 10% bonds Desired International allocation: 30% of stocks Current retirement assets 401k 1...
by Brantley
Mon Mar 03, 2014 12:17 am
 
Forum: Investing - Help with Personal Investments
Topic: 401 [401(k) Portfolio help]
Replies: 7
Views: 191

Re: Just returned new laptop with Window 8.1

Windows 8.1 is actually pretty easy to use. Learn the shortcuts: (windows + q) to search the whole machine, (windows+I) to access quick menu to turn off or get at control panel. There are a few settings that have been moved to the metro interface. Find those settings, see what's there. Control panel...
by Brantley
Fri Dec 27, 2013 2:12 am
 
Forum: Personal Consumer Issues
Topic: Just returned new laptop with Window 8.1
Replies: 104
Views: 8823

Re: Suit [for wedding]

Thanks for the heads up. If I need a light to mid weight suit since the wedding is in September, should I wait to shop until the summer when more light weight suits are out?
by Brantley
Wed Dec 25, 2013 11:58 am
 
Forum: Personal Consumer Issues
Topic: Suit [for wedding]
Replies: 57
Views: 3537

Re: Suit [for wedding]

From a career perspective what matters is what your boss, peers, and clients wear. If your boss and clients are wearing $1500+ suits then you probably need to wear them too unless your credentials are such that you can stand on your own. This can happen in law, entertainment, investment banking, hi...
by Brantley
Tue Dec 24, 2013 3:30 pm
 
Forum: Personal Consumer Issues
Topic: Suit [for wedding]
Replies: 57
Views: 3537

Re: Suit [for wedding]

The suit fits me great (perfect length down to my knuckles). Coat isn't pinched. Per the salesman, the suit I'm looking at is their basic charcoal suit which they carry year round and will not go on sale. They had several seasonal suits which were marked down to about $700-750. I'm going to keep my ...
by Brantley
Tue Dec 24, 2013 3:02 pm
 
Forum: Personal Consumer Issues
Topic: Suit [for wedding]
Replies: 57
Views: 3537

Re: Suit [for wedding]

Brantley , +1 for this: Alternatively, if you curl your fingers they should be cupping the bottom hem. Your connection can get you a $1,495 suit for 50% off - roughly $750. However, you don't seem to mention whether your friend of a friend's store is actually selling it at Ralph Lauren's list price...
by Brantley
Tue Dec 24, 2013 12:32 pm
 
Forum: Personal Consumer Issues
Topic: Suit [for wedding]
Replies: 57
Views: 3537

Re: Suit [for wedding]

This reply could get me flamed around here, but here goes. I always had jobs where I had to wear suits daily. When I got married my wife INSISTED that I upgrade the quality of my suits. Since then I have bought quite expensive but classic suits (Armani) that fit me perfectly. I am lucky to be an al...
by Brantley
Tue Dec 24, 2013 12:17 pm
 
Forum: Personal Consumer Issues
Topic: Suit [for wedding]
Replies: 57
Views: 3537

Re: Suit [for wedding]

Brooks Brothers has an annual sale starting the day after Christmas that lasts through New Years or so. I'm a fan of their 1818 line of suits and you can get them in your price range during the sale. Appreciate the advise, but can we try to get back to my original question of whether that suit is w...
by Brantley
Tue Dec 24, 2013 12:09 pm
 
Forum: Personal Consumer Issues
Topic: Suit [for wedding]
Replies: 57
Views: 3537

Re: Suit [for wedding]

Nordstrom has an anniversary sale every July, and you can choose from a wide variety of suits that will be marked down substantially. You should easily be able to buy a high quality suit that normally sells at the top end of your price range on sale for a price close to the bottom end of your range...
by Brantley
Tue Dec 24, 2013 11:48 am
 
Forum: Personal Consumer Issues
Topic: Suit [for wedding]
Replies: 57
Views: 3537

Re: Suit [for wedding]

Given that you could get a bespoke suit (custom-tailored to your own body measurements) for slightly more than your price range, it seems really expensive to pay $800 for an over the rack suit. I agree with the posters who suggest simply renting one for the wedding if you're not going to use it oft...
by Brantley
Tue Dec 24, 2013 11:46 am
 
Forum: Personal Consumer Issues
Topic: Suit [for wedding]
Replies: 57
Views: 3537
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