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by Dale_G
Sun May 24, 2015 6:09 pm
Forum: Investing - Theory, News & General
Topic: Emerging market bond funds
Replies: 14
Views: 1193

Re: Emerging market bond funds

...Does anyone have an informed opinion of the risk and returns of emerging market bonds going forward? .... No, but I have a fact about its risk in the past: it dropped 40% in less than two months in 1998. And the the Total Stock Market dropped 57% from October 2007 to March 2009. Did this make yo...
by Dale_G
Sun May 24, 2015 4:12 pm
Forum: Investing - Theory, News & General
Topic: Emerging market bond funds
Replies: 14
Views: 1193

Re: Emerging market bond funds

I haven't found any longer data, but one site reports the 5 year correlation of EMB (iShares USD EM bond) to EEM (iShares EM Index) = 0.15 The 5 year correlation of EMB to AGG (iShares Barclays Aggregate Bond) = 0.27 http://www.assetcorrelation.com/majors/1826 EM bonds look like a reasonable diversi...
by Dale_G
Sat May 16, 2015 10:16 pm
Forum: Investing - Help with Personal Investments
Topic: Help With AA, Particularly International AA
Replies: 16
Views: 942

Re: Help With AA, Particularly International AA

Option A works because it is the most efficient way to accomplish what you want to do. If international doesn't perform well in the Roth, you can add international elsewhere with less efficiency. But it sounds like you are early in the game and have plenty of time. I would have no concern about havi...
by Dale_G
Sat May 16, 2015 9:52 pm
Forum: Personal Finance (Not Investing)
Topic: MediCare and ? What are your out of pocket costs please.
Replies: 39
Views: 3763

Re: MediCare and ? What are your out of pocket costs please.

In the past 5 years I have had two surgeries and my wife has had three fairly short hospitalizations. We never received a bill. Medicare paid 80% and the medicare supplement picked up the other 20%. I think medicare + the supplement work very well for most people. Part D (drugs) is a bit more proble...
by Dale_G
Fri May 15, 2015 10:58 pm
Forum: Investing - Help with Personal Investments
Topic: Seeking ~10 fund recs for taxable account. Low correlation desired.
Replies: 7
Views: 710

Re: Seeking ~10 fund recs for taxable account. Low correlation desired.

If you want volatility go with individual stocks. The odds are good that you will have some losers.

It should be relatively easy to find pairs of stocks that are are not highly correlated.

Dale
by Dale_G
Wed May 13, 2015 11:34 pm
Forum: Investing - Theory, News & General
Topic: I'm so glad I bought bonds in taxable!
Replies: 13
Views: 3518

Re: I'm so glad I bought bonds in taxable!

My heirs will be so-o-o-o glad I kept equities in the taxable account and bonds in the traditional IRAs. It will save them a minimum of $500K in taxes because of the stepped up basis they will receive. And I am also glad I have equities in taxable and bonds in the IRAs, otherwise my RMDs would push ...
by Dale_G
Wed May 13, 2015 2:23 pm
Forum: Personal Finance (Not Investing)
Topic: Amount needed for medical expenses in retirement
Replies: 14
Views: 1784

Re: Amount needed for medical expenses in retirement

I haven't looked at the Fido "analysis" that $364,000 has to be set aside , but our premiums for SS parts B and D + top of the line medigap costs $8,600 per year for a couple. Dental and vision are not included. So for 30 years about $260,000 in today's dollars. Maybe Fido accounts for lon...
by Dale_G
Mon May 11, 2015 8:54 pm
Forum: Investing - Help with Personal Investments
Topic: Annuity - Death benifit or move to surviving spouse
Replies: 7
Views: 523

Re: Annuity - Death benifit or move to surviving spouse

Another question; If surviving spouse takes death benefit payout can she roll it tax deferred into a traditional IRA. That is a good question - I would call the IRA specialists at Vanguard and ask them. But still another question is whether this would be the right move. The death benefit payout is ...
by Dale_G
Mon May 11, 2015 7:55 pm
Forum: Investing - Help with Personal Investments
Topic: Annuity with UBS!!!
Replies: 20
Views: 2008

Re: Annuity with UBS!!!

I don't want to increase your misery Au Jus, but there are a couple of other things to consider: If you remember we put some of the IRA in this annuity to provide guarantees that no funds or stocks can provide. This makes no sense at all. Annuities are either "qualified" (IRA or 40XX money...
by Dale_G
Mon May 11, 2015 5:11 pm
Forum: Investing - Help with Personal Investments
Topic: Annuity with UBS!!!
Replies: 20
Views: 2008

Re: Annuity with UBS!!!

This is an expensive annuity. The basic fee is 1.7% of assets and the underlying funds generally have expense ratios of 1%. So you have about a 2.7%/year drag on returns - assuming you didn't sign up for any of the riders. It looks like you are in year 1-2 of the contract so the surrender fee is = 7...
by Dale_G
Sun May 10, 2015 10:48 pm
Forum: Investing - Help with Personal Investments
Topic: Annuity - Death benifit or move to surviving spouse
Replies: 7
Views: 523

Re: Annuity - Death benifit or move to surviving spouse

There is not enough info to make an informed suggestion, but #1 and #3 are unlikely to be good options. It might be helpful if you would supply the name of the insurance company and the "name" of the annuity. Are these "immediate" annuities that began making distributions in 2008...
by Dale_G
Sat May 09, 2015 9:42 pm
Forum: Personal Finance (Not Investing)
Topic: Vanguard Variable Annuity
Replies: 24
Views: 2002

Re: Vanguard Variable Annuity

I don't want to sidetrack the thread, but: I've owned one (non-qualified) for about 15 years. I bought it while I was working full time (retired now) because I wanted more tax-deferred space. I was already maxing out my IRA and 401k. As annuities go, it's expenses are low but they are still higher t...
by Dale_G
Thu May 07, 2015 12:41 pm
Forum: Investing - Theory, News & General
Topic: 1929 was a great year to buy stocks
Replies: 92
Views: 5077

Re: 1929 was a great year to buy stocks

I don't spend much time worrying about valuations. My re-balancing bands do a bit of smoothing for me.

Dale
by Dale_G
Wed May 06, 2015 5:58 pm
Forum: Forum Issues and Administration
Topic: Submission Misfire on this Board
Replies: 7
Views: 588

Re: Submission Misfire on this Board

If you have a long and complicated post, you might do it in Word or some other program, and then copy and paste into Bogleheads. Among other things, it lets you compose the post over time if you wish.

Dale
by Dale_G
Tue May 05, 2015 8:44 pm
Forum: Investing - Help with Personal Investments
Topic: Notary for 401k rollover?
Replies: 15
Views: 910

Re: Notary for 401k rollover?

You should be glad that the 401k provider makes at least a minimal effort to ensure that it is you moving your money around rather than some con artist.

Dale
by Dale_G
Tue May 05, 2015 8:30 pm
Forum: Investing - Help with Personal Investments
Topic: Inh.IRA RMD bond /fund choices for RMD ?
Replies: 4
Views: 267

Re: Inh.IRA RMD bond /fund choices for RMD ?

of course, my overall situation, could override a direct "use of the money", as I can just take the RMD, and use it for my own personal IRA annual contribution, into the same int term bond idx fund, hmm, maybe that answers my own question? I think so, especially if you are just moving the...
by Dale_G
Tue May 05, 2015 4:58 pm
Forum: Investing - Help with Personal Investments
Topic: Inh.IRA RMD bond /fund choices for RMD ?
Replies: 4
Views: 267

Re: Inh.IRA RMD bond /fund choices for RMD ?

Do you mean you need to take more than the required minimum distribution for living expenses or another purpose over the next 3-5 years? If so, you should probably lean toward the shorter bond fund. If you expect to take only the minimum required distribution, the longer term bond fund may provide g...
by Dale_G
Sun May 03, 2015 6:01 pm
Forum: Personal Finance (Not Investing)
Topic: Power of attorney
Replies: 52
Views: 2256

Re: Power of attorney

You could do exactly the same thing with their full agent authorization Under the law Vanguard is immune from any liability in either case . Of course, but it would have been done with a then current Vanguard Agent authorization form - and the son would have been able to revoke it by logging onto t...
by Dale_G
Sun May 03, 2015 4:06 pm
Forum: Personal Finance (Not Investing)
Topic: Power of attorney
Replies: 52
Views: 2256

Re: Power of attorney

I have a POA from a son dated three years ago when he was serving at "an undisclosed area in Southwest Asia". He is home now, but how would Vanguard know whether or not the POA had been revoked? If I were able to use this POA to establish "Full Agency" on his accounts, I could se...
by Dale_G
Sun May 03, 2015 3:25 pm
Forum: Personal Finance (Not Investing)
Topic: Power of attorney
Replies: 52
Views: 2256

Re: Power of attorney

Until the feds institute a Universal POA form (think UGTMA or other) I have no problem with Vanguard or any other financial institution insisting that their own POA form be used (subject to state laws where they have a presence). The Vanguard "Agent" form permits a full agent to perform ev...
by Dale_G
Fri May 01, 2015 10:50 pm
Forum: Investing - Help with Personal Investments
Topic: Portfolio advice related to job change
Replies: 8
Views: 480

Re: Portfolio advice related to job change

I didn't check your AA Sam. It certainly looks like you have a lot of good options - and in my opinion, you have taken advantage of the many options by investing in a lot of different funds! I don't think more is necessarily better. Total Stock Market, Total International and Total Bond market or th...
by Dale_G
Wed Apr 29, 2015 10:22 pm
Forum: Investing - Help with Personal Investments
Topic: Tax/Investment Advice Florida vs VA
Replies: 5
Views: 461

Re: Tax/Investment Advice Florida vs VA

I was sloppy in lumping part year and non residency together - and state laws do vary and are sometimes confusing and occasionally contradictory. The better part of valor is to research the law in your own state.

Dale
by Dale_G
Wed Apr 29, 2015 12:56 pm
Forum: Investing - Help with Personal Investments
Topic: Tax/Investment Advice Florida vs VA
Replies: 5
Views: 461

Re: Tax/Investment Advice Florida vs VA

The $25,000 homestead exemption will save about $400 in real estate taxes. There is a second $25,000 exemption but it does not apply to school taxes, so it is a smaller amount. But becoming a FL resident does not mean that you are not a "part year" resident of VA. You have to look at how V...
by Dale_G
Mon Apr 27, 2015 3:39 pm
Forum: Investing - Theory, News & General
Topic: What would happen if everyone at Fidelity went Boglehead?
Replies: 42
Views: 3549

Re: What would happen if everyone at Fidelity went Boglehead

snip ...Vanguard publishes their average ER's for each fund class, and they are higher than you might think, close to 0.20% as I recall. So there is a lot of income being generated at VGI that appears to be from managed funds. If they were to increase indexing, it would have to be a volume strategy...
by Dale_G
Mon Apr 27, 2015 2:29 pm
Forum: Investing - Theory, News & General
Topic: Who's holding cash?
Replies: 86
Views: 6487

Re: Who's holding cash?

I hold about 0.5% cash. Enough is in the checking account so that I don't bother to keep a check register - or look at the bank account, except monthly. The balance is in Prime MM. I am okay with keeping cash (CDs or HY savings accounts) for home or auto purchases, or any other scheduled purchases f...
by Dale_G
Fri Apr 24, 2015 3:58 pm
Forum: Investing - Theory, News & General
Topic: "Anniversary Date" for Variable Annuity Step-Ups in Base
Replies: 5
Views: 397

Re: "Anniversary Date" for Variable Annuity Step-Ups in Base

So the issue is about one day?

And I am sure the insurance company won't be changing the date to 90 days earlier or 163 days later than the contract purchase date.

Dale
by Dale_G
Thu Apr 23, 2015 9:17 pm
Forum: Investing - Help with Personal Investments
Topic: Giving Vanguard VTSMX as a Wedding Gift
Replies: 34
Views: 2904

Re: Giving Vanguard VTSMX as a Wedding Gift

I am still in my first marriage (53 years), but if I ever get married again, I will be sure to have the bride include Total Stock and Total International in the registry (70/30 please). We know nothing about the relationship of the parties, but in some instances, it could be regarded as a very nice ...
by Dale_G
Tue Apr 21, 2015 10:03 pm
Forum: Investing - Help with Personal Investments
Topic: Tempted to stay with Chase - self directed account
Replies: 17
Views: 1156

Re: Tempted to stay with Chase - self directed account

Jonhello, be sure to let us know if any Vanguard funds appear on the fund list. My reading of the fee schedule: Read your prospectus for complete details regarding the sales loads, surrender charges and other fees for such products. There are no additional transaction fees applied for purchases or r...
by Dale_G
Tue Apr 21, 2015 8:49 pm
Forum: Investing - Help with Personal Investments
Topic: new job - how to decide on 401k rollover choice?
Replies: 12
Views: 757

Re: new job - how to decide on 401k rollover choice?

May as well roll the old 401k into the new one. The difference in e.r. is negligible. Keeping the money in a 401k structure has other advantages.

Dale
by Dale_G
Sat Apr 18, 2015 11:06 pm
Forum: Investing - Help with Personal Investments
Topic: what to do about variable annuities?
Replies: 16
Views: 1623

Re: what to do about variable annuities?

If you move #1 to a Vanguard annuity, there's a tradeoff. The advantage is that you'll defer the tax, but the disadvantages are that you'll incur an additional 0.5% or so a year in costs, and all of the future income and gains will become ordinary income, and won't get a basis step-up at death. Thi...
by Dale_G
Fri Apr 17, 2015 8:43 pm
Forum: Personal Finance (Not Investing)
Topic: engineers - please help with engineering school selection
Replies: 185
Views: 12051

Re: engineers - please help with engineering school selectio

I can't speak to the schools or the programs. But: I spent my all of my undergraduate years in an Engineer only dorm and I am very glad I did. It was more than fifty years ago - and all guys. Not great for diversity, but a great learning environment. There isn't much distraction when you are surroun...
by Dale_G
Wed Apr 15, 2015 9:49 pm
Forum: Personal Finance (Not Investing)
Topic: Poll: Effective average Adjusted Livesoft tax rate?
Replies: 67
Views: 5288

Re: Poll: Effective average Adjusted Livesoft tax rate?

I don't agree that a tax loss deduction amounts to "income", but I none-the-less I followed the rules. ALI >160k; taxes = 11.3% But my "tax-free" income was only 6.3% of the total. I guess I have to adopt some children and put them in expensive daycare, or maybe have a tornado, o...
by Dale_G
Wed Apr 15, 2015 1:31 pm
Forum: Investing - Help with Personal Investments
Topic: investing through statefarm
Replies: 7
Views: 634

Re: investing through statefarm

I have my insurance through them and they have talked to my agent about opening a roth ira through them. https://www.statefarm.com/finances/mutual-funds/funds/lifepath-funds/lifepath-2030-fund Does it look fine . I already have a rolled over 401k from a previous job at fidelity and some savings bon...
by Dale_G
Tue Apr 14, 2015 11:19 pm
Forum: Investing - Theory, News & General
Topic: Why not rebalance with reinvested dividends?
Replies: 11
Views: 1754

Re: Why not rebalance with reinvested dividends?

I'm not sure you can do that. Normally dividends/CG are reinvested in the same fund or goes to cash. In a Vanguard mutual fund account you can certainly direct dividends to be invested in another fund. I don't think it makes much sense to send fund A dividends to fund B and vice-versa though. A bet...
by Dale_G
Tue Apr 14, 2015 11:11 pm
Forum: Investing - Theory, News & General
Topic: Combing Vanguard funds to purchase individual stocks
Replies: 18
Views: 1013

Re: Combing Vanguard funds to purchase individual stocks

Good luck to you Prague. Please revisit this thread in 10 or 15 years and see if you still feel the same way.

Dale
by Dale_G
Tue Apr 14, 2015 11:05 pm
Forum: Investing - Theory, News & General
Topic: DQOTD: Municipal Bond Fund Downside
Replies: 19
Views: 2063

Re: DQOTD: Municipal Bond Fund Downside

I see that now. With the posts I've received so far, it started to register, Divs & CG in our tax bracket. I used a few tax equivalent calculators online and see that I basically breakeven after taxes in our tax bracket (mostly 15%) . We might as well just go with TBM vs an equiv muni (e.g. int...
by Dale_G
Mon Apr 13, 2015 2:09 pm
Forum: Personal Finance (Not Investing)
Topic: Rental: land vs building allocation for capital improvements
Replies: 3
Views: 246

Re: Rental: land vs building allocation for capital improvem

100% of the cost should be allocated to the building - dunno why TT would do anything different.

Dale
by Dale_G
Sun Apr 12, 2015 11:16 pm
Forum: Investing - Theory, News & General
Topic: How much riskier are munis than treasuries?
Replies: 32
Views: 3943

Re: How much riskier are munis than treasuries?

According to S&P Dow Jones Indices, the default rate for: S&P Municipal Bond Index default rate = 0.107% S&P Municipal Bond High Yield Index default rate = 1.52% You cannot use the default rate on corporate bonds for a given rating to predict default rates on municipal bonds of the same ...
by Dale_G
Thu Apr 09, 2015 9:11 pm
Forum: Investing - Help with Personal Investments
Topic: What to do with old brokerage account?
Replies: 13
Views: 1075

Re: What to do with old brokerage account?

Vanguard website says this about JALBX: This fund can be transferred to your Vanguard brokerage account but isn't available for purchase through FundAccess If in a taxable account you could move it "in kind" to Vanguard and sell over a few years if necessary to avoid seriously impact to yo...
by Dale_G
Thu Apr 09, 2015 8:18 pm
Forum: Investing - Help with Personal Investments
Topic: Need Help Picking A Broker
Replies: 58
Views: 3926

Re: Need Help Picking A Broker

I talked to a Schwab franchisee. He is the one who told me about the Schwab Intelligent Portfolio. I like him a lot. If I go with him, he will get me set up with the Schwab Intelligent Portfolio and act as the continuing interface. He is also within driving distance. My sense is that you can always...
by Dale_G
Thu Apr 09, 2015 3:25 pm
Forum: Investing - Help with Personal Investments
Topic: Quick question: splitting cash transfer to 2 funds at Fido
Replies: 4
Views: 192

Re: Quick question: splitting cash transfer to 2 funds at Fi

Well, it is too late for today, but you are likely buying Dollars worth of shares rather than a number of shares. The end of day price doesn't matter. $5,000 to fund A and $4,000 to fund B works just fine.

Dale
by Dale_G
Tue Apr 07, 2015 10:42 pm
Forum: Investing - Help with Personal Investments
Topic: Need to worry about turnover rate?
Replies: 5
Views: 519

Re: Need to worry about turnover rate?

Most likely a LARGE percentage of the turnover is in the short term reserves of both funds. One month treasury bills would have a turnover of 1200%.

I wouldn't be concerned about the "turnover" in these very well managed funds.

Dale
by Dale_G
Mon Apr 06, 2015 11:38 pm
Forum: Personal Finance (Not Investing)
Topic: Need[ed] to stop an ACH transfer [that once was] tomorrow
Replies: 11
Views: 2567

Re: EMERGENCY! Need to stop an ACH transfer happening tomorr

Help us out a bit. How does making a loan payment cost you an extra $2,800. Others may want to know so they can avoid the same situation.

Dale
by Dale_G
Mon Apr 06, 2015 11:34 pm
Forum: Personal Finance (Not Investing)
Topic: Difficult to answer tax and residency question
Replies: 19
Views: 1275

Re: Difficult to answer tax and residency question

And be careful, you could end up being a "part year resident" in multiple states. I wouldn't want to have to deal with that. One state is tolerable, two states a bit inconvenient, 3 or more states becomes increasingly difficult. There are "de minimus" rules in effect in many/most...
by Dale_G
Sat Apr 04, 2015 10:58 pm
Forum: Personal Finance (Not Investing)
Topic: Rental property purely for tax-saving reasons
Replies: 15
Views: 1457

Re: Rental property purely for tax-saving reasons

And in general, single family homes are lousy investments compared to multi-units. But that said, maybe it is different in in the bay area. The question is: will it be different in the future. Only dreamers project the recent past to the future.

Dale
by Dale_G
Sat Apr 04, 2015 10:23 pm
Forum: Investing - Theory, News & General
Topic: Long Term Tax Efficient Investing - Is it Better to Shelter
Replies: 16
Views: 2476

Re: Long Term Tax Efficient Investing - Is it Better to Shel

It is a no brainer for me. Equities in taxable (or Roth) to the extent possible and all bonds in tax deferred. A significant part of my taxable income comes from RMDs. My taxes would approximately double had I placed equities in in the Traditional IRA account and placed either taxable or muni bonds ...
by Dale_G
Sat Apr 04, 2015 9:29 pm
Forum: Investing - Help with Personal Investments
Topic: deferring annuitization - adverse tax consequences?
Replies: 6
Views: 707

Re: deferring annuitization - adverse tax consequences?

I just looked at my old contract. The monthly rates for a life annuity at ages greater than 85 are treated as if the annuitant is 85. It surely doesn't pay the annuitant to wait for a higher monthly payout :D

Dale
by Dale_G
Sat Apr 04, 2015 2:51 pm
Forum: Investing - Help with Personal Investments
Topic: deferring annuitization - adverse tax consequences?
Replies: 6
Views: 707

Re: deferring annuitization - adverse tax consequences?

On annuitzation, the basis and earnings are paid out proportionately. If there are "partial surrenders", earnings are paid out first.
by Dale_G
Sat Apr 04, 2015 1:40 pm
Forum: Investing - Help with Personal Investments
Topic: deferring annuitization - adverse tax consequences?
Replies: 6
Views: 707

Re: deferring annuitization - adverse tax consequences?

The life expectancy for a 90 year old is 4 years. If the "life only" payout is selected, the payments might be large enough to push someone into a much higher tax bracket. There are a lot of payout options, though. If there are any heirs around, and the money is not needed, the contract ow...

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