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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
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: 355

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
Thu Apr 23, 2015 9:17 pm
 
Forum: Investing - Help with Personal Investments
Topic: Giving Vanguard VTSMX as a Wedding Gift
Replies: 34
Views: 2432

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 10:03 pm
 
Forum: Investing - Help with Personal Investments
Topic: Tempted to stay with Chase - self directed account
Replies: 16
Views: 935

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
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: 710

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
Sat Apr 18, 2015 11:06 pm
 
Forum: Investing - Help with Personal Investments
Topic: what to do about variable annuities?
Replies: 16
Views: 1570

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
Fri Apr 17, 2015 8:43 pm
 
Forum: Personal Finance (Not Investing)
Topic: engineers - please help with engineering school selection
Replies: 172
Views: 10028

Re: VTSMX - How to measure how much it is down during trade

FB, the symbol for the Total Stock Market is VTI
by Dale_G
Fri Apr 17, 2015 11:32 am
 
Forum: Investing - Help with Personal Investments
Topic: VTSMX - How to measure how much it is down during trade day
Replies: 5
Views: 501

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 9:49 pm
 
Forum: Personal Finance (Not Investing)
Topic: Poll: Effective average Adjusted Livesoft tax rate?
Replies: 67
Views: 4652

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
Wed Apr 15, 2015 1:31 pm
 
Forum: Investing - Help with Personal Investments
Topic: investing through statefarm
Replies: 7
Views: 592

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 11:19 pm
 
Forum: Investing - Theory, News & General
Topic: Why not rebalance with reinvested dividends?
Replies: 11
Views: 1717

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 11:11 pm
 
Forum: Investing - Theory, News & General
Topic: Combing Vanguard funds to purchase individual stocks
Replies: 18
Views: 980

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
Tue Apr 14, 2015 11:05 pm
 
Forum: Investing - Theory, News & General
Topic: DQOTD: Municipal Bond Fund Downside
Replies: 19
Views: 1951

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
Mon Apr 13, 2015 2:09 pm
 
Forum: Personal Finance (Not Investing)
Topic: Rental: land vs building allocation for capital improvements
Replies: 3
Views: 170

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
Sun Apr 12, 2015 11:16 pm
 
Forum: Investing - Theory, News & General
Topic: How much riskier are munis than treasuries?
Replies: 32
Views: 3824

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 9:11 pm
 
Forum: Investing - Help with Personal Investments
Topic: What to do with old brokerage account?
Replies: 13
Views: 1048

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 8:18 pm
 
Forum: Investing - Help with Personal Investments
Topic: Need Help Picking A Broker
Replies: 57
Views: 3542

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
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: 179

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
Tue Apr 07, 2015 10:42 pm
 
Forum: Investing - Help with Personal Investments
Topic: Need to worry about turnover rate?
Replies: 5
Views: 499

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 11:38 pm
 
Forum: Personal Finance (Not Investing)
Topic: Need[ed] to stop an ACH transfer [that once was] tomorrow
Replies: 11
Views: 2522

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
Mon Apr 06, 2015 11:34 pm
 
Forum: Personal Finance (Not Investing)
Topic: Difficult to answer tax and residency question
Replies: 19
Views: 1222

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 10:58 pm
 
Forum: Personal Finance (Not Investing)
Topic: Rental property purely for tax-saving reasons
Replies: 15
Views: 1425

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 10:23 pm
 
Forum: Investing - Theory, News & General
Topic: Long Term Tax Efficient Investing - Is it Better to Shelter
Replies: 16
Views: 2395

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 9:29 pm
 
Forum: Investing - Help with Personal Investments
Topic: deferring annuitization - adverse tax consequences?
Replies: 6
Views: 676

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 2:51 pm
 
Forum: Investing - Help with Personal Investments
Topic: deferring annuitization - adverse tax consequences?
Replies: 6
Views: 676

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...
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: 676

Re: Real interest rate question

If interest rate is 2% and inflation is 3%, the real interest rate is -1%. So if I invest at 2% return p.a. I'm actually losing 1% p.a. in real term correct? If I borrow at 2% interest rate, am I gaining 1% p.a. in real term? :confused :confused Sounds too good to be true. If you put the borrowed m...
by Dale_G
Fri Apr 03, 2015 11:05 pm
 
Forum: Investing - Theory, News & General
Topic: Real interest rate question
Replies: 3
Views: 366

Re: Considering Doing My Own Investing...but I'm not sure I

I am also confident that you can this Ellen. But to answer a specific question: Am I supposed to (perhaps) be including my future social security income as a present-value asset and base the drawdown calculation on this larger number? I don't know how to capitalize a stream of income with an uncerta...
by Dale_G
Fri Apr 03, 2015 8:59 pm
 
Forum: Investing - Help with Personal Investments
Topic: Considering Doing My Own Investing...but I'm not sure I shou
Replies: 49
Views: 4994

Re: Vanguard Mid-Cap ETF (VO) sudden dive

We could see more of this in "fast" markets or "unsettled" conditions, especially in thinly traded issues. Livesoft will be stepping in to buy/sell, but the rest of us will just ignore the sometimes noisy ETF pricing.

Dale
by Dale_G
Thu Apr 02, 2015 11:40 pm
 
Forum: Investing - Theory, News & General
Topic: Vanguard Mid-Cap ETF (VO) sudden dive
Replies: 13
Views: 1368

Re: Is this a bad 401K?

[quote="ThatMouse"] These GLWB Plans have this electable guaranteed income for life - good idea? Will need to research. 4.0% for life at ages 55-64 5.0% for life at ages 65-69 6.0% for life at ages 70-79 7.0% for life at ages 80+ Don't worry about this - you don't have to even consider it ...
by Dale_G
Tue Mar 31, 2015 10:34 pm
 
Forum: Investing - Help with Personal Investments
Topic: Is this a bad 401K?
Replies: 23
Views: 1682

Re: Did you learn anything from 2008?

I learned (after the fact) that my rebalancing bands were too narrow. I bought all of the way down and rebalanced back to target equity allocation. It was painful to sell bonds in an amount equivalent to 5 years of my last salary to buy equities, but one committed I didn't quit. The good news is tha...
by Dale_G
Tue Mar 31, 2015 12:20 am
 
Forum: Investing - Theory, News & General
Topic: Did you learn anything from 2008?
Replies: 105
Views: 8515

Re: How many of you invest in individual stocks?

I only own 1 stock - PCL, Plum Creek Timber. It is a timber REIT with a dividend of 4%. The dividend is paid out as a capital gain and I still have plenty of tax loss carry-forwards left over 2008/2009, so the dividend is effectively tax free. I have some small hope that timber will provide some tin...
by Dale_G
Sun Mar 29, 2015 10:47 pm
 
Forum: Investing - Theory, News & General
Topic: How many of you invest in individual stocks?
Replies: 70
Views: 4879

Re: Interest in multi asset class investing and crises

So correlations go to 1, what does that mean? Maybe a lot, maybe not much. Correlations are a matter of direction independent of magnitude. So on a particular day, week, month or year (whatever the period chosen), if equities are down 50% and corporate bonds are down 0.1%, the correlation is 100% or...
by Dale_G
Sun Mar 29, 2015 10:24 pm
 
Forum: Investing - Theory, News & General
Topic: Interest in multi asset class investing and crises
Replies: 11
Views: 886

Re: Looking for adviser

... Here are my Questionnaire Q's: -How do I find expense ratio for my 403b? It's with Guidestone (GMFZX). The guidestone MyDestination 2045 fund has an expense ratio of 1.39%. That is a very expensive fund. Anytime you know a ticker symbol you can go to Morningstar to look at the fund, see what it...
by Dale_G
Sun Mar 29, 2015 3:39 pm
 
Forum: Investing - Help with Personal Investments
Topic: Looking for adviser
Replies: 8
Views: 1080

Re: Newbie planner with windfall and no real portfolio: help

... In regard to the student loans; my gut reaction was to pay them off immediately, however, it was pointed out to me that there may be an opportunity cost there in that if I did invest well I could potentially make more than the interest on the loans and I would also "have that money if I ne...
by Dale_G
Sun Mar 29, 2015 2:13 pm
 
Forum: Investing - Help with Personal Investments
Topic: Newbie planner with windfall and no real portfolio: help!
Replies: 35
Views: 2656

Re: Loan Terms -- Helping a friend going through Divorce?

Thanks for reporting in - and glad you are not "off". We will be sure to tune into the next episode :happy .

Dale
by Dale_G
Sat Mar 28, 2015 12:53 am
 
Forum: Personal Finance (Not Investing)
Topic: Loan Terms -- Helping a friend going through Divorce?
Replies: 39
Views: 3551

Re: Son graduating college-what to do?

I favor a one time "gift" or "graduation present" whatever you choose to call it. My number might be $5,000, but you can make up your own number. The virtue of giving a gift rather than paying expenses is that it forces encourages the son to learn how to allocate the funds. Yeah,...
by Dale_G
Sat Mar 28, 2015 12:47 am
 
Forum: Personal Finance (Not Investing)
Topic: Son graduating college-what to do?
Replies: 39
Views: 3299

Re: Buying a house to save on taxes?

Buying a house is entirely reasonable. Given your income level the "cost" is either "peanuts" or "pin money" depending on how old you are. But, I would put tax savings at about #14 on the list of considerations in deciding whether to rent or to buy. I rented for 1 year ...
by Dale_G
Fri Mar 27, 2015 11:57 pm
 
Forum: Personal Finance (Not Investing)
Topic: Buying a house to save on taxes?
Replies: 18
Views: 1860

Re: Help convince me to transfer a Met-life VA

... a.) Life Annuity with 10 years of payments guaranteed: $3.97 b.) Life Annuity with 10 years of payments guaranteed (assuming account value is fully withdrawn): $5.00 (how does an account that's fully withdrawn get more?) c.) Joint and Survivor Annuity with 10 years of payments guaranteed: $3.39...
by Dale_G
Fri Mar 27, 2015 10:46 pm
 
Forum: Investing - Help with Personal Investments
Topic: Help convince me to transfer a Met-life VA
Replies: 20
Views: 1216

Re: A Vanguard transfer issue... Thoughts?

Another reason not to ever buy a non-traded REIT. I am sorry that you were misinformed, but I don't think it rises to a level that is actionable. Figure out what the fees will be at Ameriprise and how much of a haircut you will take by selling the non-traded REIT. Do whatever is less expensive. And ...
by Dale_G
Thu Mar 26, 2015 4:36 pm
 
Forum: Investing - Help with Personal Investments
Topic: A Vanguard transfer issue... Thoughts?
Replies: 12
Views: 988

Re: "Looming Crisis" in Corporate Bond Fund Liquidity

There is no doubt that mutual funds can redeem "in kind". However I am quite sure that the redemption would be done at whatever the fair market value of the bond is deemed to be at the close of the market on the day of redemption. I worry a lot more about cucumber beetles and the fate of t...
by Dale_G
Thu Mar 26, 2015 12:35 am
 
Forum: Investing - Theory, News & General
Topic: "Looming Crisis" in Corporate Bond Fund Liquidity
Replies: 16
Views: 2678

Re: U.S. cash pouring into international

I'm glad to see it for a change. I haven't changed my international allocation but I have been "pouring" money into International via rebalancing for nearly 4 years. Of course this could just be a little blip, if so I will continue to rebalance as required to maintain my international allo...
by Dale_G
Wed Mar 25, 2015 1:47 pm
 
Forum: Investing - Theory, News & General
Topic: U.S. cash pouring into international
Replies: 23
Views: 2488

Re: International stock dividend cut. Why?

It looks like most of the international dividends were less than half of what was paid in March of last year. For fun, I usually try to predict the quarterly dividends for all of my funds based on the previous year and the "trend". This March I failed miserably with the international predi...
by Dale_G
Tue Mar 24, 2015 11:38 pm
 
Forum: Investing - Theory, News & General
Topic: International stock "dividend variability" Why?
Replies: 37
Views: 3065

Re: "Looming Crisis" in Corporate Bond Fund Liquidity

My signature is: Volatility is my friend I sell liquidity if I can get a good enough price for it. Volatility is good for long term investors who can reinvest dividends or rebalance into the temporarily(?) illiquid securities. It is not so great for decumulators spending down their assets. Fortunate...
by Dale_G
Tue Mar 24, 2015 6:27 pm
 
Forum: Investing - Theory, News & General
Topic: "Looming Crisis" in Corporate Bond Fund Liquidity
Replies: 16
Views: 2678

Re: Retirement income/disbursements question

My thought is to basically continue investing as above, and when I get to retirement, come up with an amount wanted/needed (say 100k a year), subtract SS, FERS pension, Wife's pension, and start pulling out the remainder from investments, and increase it year to year to cover inflation and expenses...
by Dale_G
Tue Mar 24, 2015 5:57 pm
 
Forum: Investing - Help with Personal Investments
Topic: Retirement income/disbursements question
Replies: 3
Views: 493

Re: Portfolio help please

Thanks again Dale. Unfortunately, I am locked in to a small selection of funds since this is through work (no options to take this to Fidelity or Vanguard). What are some red flags about this fund if you don't mind me asking? The fund is not a disaster, but the underlying funds are those that someo...
by Dale_G
Mon Mar 23, 2015 11:01 pm
 
Forum: Investing - Help with Personal Investments
Topic: Portfolio help please
Replies: 8
Views: 842

Re: Portfolio help please

Sorry about that, but it would not be my favorite Target Retirement fund :)

Dale
by Dale_G
Mon Mar 23, 2015 9:31 pm
 
Forum: Investing - Help with Personal Investments
Topic: Portfolio help please
Replies: 8
Views: 842

Re: Tax Differed Variable Annuity

With annuities you change long term capital gains into income rates. You can't tax loss harvest. You don't get a step up basis at death. Those are additional facts. They still have higher fees then taxable although some are more reasonable than others. Best use is IF you want to purchase a very tax...
by Dale_G
Mon Mar 23, 2015 9:27 pm
 
Forum: Investing - Help with Personal Investments
Topic: Tax Differed Variable Annuity
Replies: 16
Views: 1181

Re: Portfolio help please

Total Stock Market and Total International are the premier choices for a taxable fund. You might find a municipal bond fund is a good place to store some of your emergency fund. Why on earth do you use 18 funds in your 401k? I am sure you don't prescribe 18 different medications for your average pat...
by Dale_G
Mon Mar 23, 2015 8:30 pm
 
Forum: Investing - Help with Personal Investments
Topic: Portfolio help please
Replies: 8
Views: 842

Re: Company Savings plan-was Riffed, Now what

You may want to look at the expense ratio of the fund on your 401k website. It is possible that the 401k provider tacks on an additional fee to the expense ratio. The $80 may be a small part of your actual fee. The expense ratio for the Vanguard Target Retirement funds vary from 0.16% to 0.18%. If y...
by Dale_G
Mon Mar 23, 2015 5:07 pm
 
Forum: Investing - Help with Personal Investments
Topic: Company Savings plan-was Riffed, Now what
Replies: 14
Views: 1966

Re: 1st Taxable Account with Vanguard. Investing Strategy.

The expense ratios for the 401k funds are terrible. What is the quoted interest rate on the Putnam Stable Value fund. The interest rate stated will be after expenses. What is the relative size of the 401k compared to the sum of your IRAs and the money destined for the taxable account? What is the co...
by Dale_G
Mon Mar 23, 2015 12:26 am
 
Forum: Investing - Help with Personal Investments
Topic: 1st Taxable Account with Vanguard. Investing Strategy.
Replies: 19
Views: 2477
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