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Re: Asset Location Question - Out of Room?

I am pretty much in the same boat. My tax free/tax deferred accounts are 98.5% bonds. There isn't much room for rebalancing there! My taxable account is a mix of equity and muni funds. I assume you are not reinvesting the equity dividends in the equity funds the in the taxable account. Sending those...
by Dale_G
Mon Sep 01, 2014 10:48 pm
 
Forum: Investing - Help with Personal Investments
Topic: Asset Location Question - Out of Room?
Replies: 1
Views: 175

Re: Should I bite the bullet and pay 50k in fees?

Trevor, be very careful during your meeting with your "advisor". I looked at the Jackson Elite Access prospectus and at one of the Hartford Director prospectuses. There is no surprise here, both are typical high expense annuities. With a quick look it does not appear that the Jackson annui...
by Dale_G
Mon Sep 01, 2014 1:11 pm
 
Forum: Investing - Help with Personal Investments
Topic: Should I bite the bullet and pay 50k in fees?
Replies: 36
Views: 3139

Re: How to become a millionaire retiree -- then and now

I may as well take the record low starting salary until someone even more grown up shows up. My first job out of school as a EE in 1960 paid $6,000 a year - and we were supposed to work a half day on Saturday. Yeah, a defense contractor out west paid $7,200, but those jobs were almost temporary in n...
by Dale_G
Sun Aug 31, 2014 11:09 pm
 
Forum: Investing - Theory, News & General
Topic: How to become a millionaire retiree -- then and now
Replies: 57
Views: 5905

Re: Should I bite the bullet and pay 50k in fees?

I think dickenjb has nailed what happened: OK I think I figured it out. You inherited an annuity and your soon-to-be-former advisor had you cash it out. You had to pay taxes at that time on the appreciation since there is no step up in basis on death. No 10% early withdrawal penalty since you inheri...
by Dale_G
Sat Aug 30, 2014 6:07 pm
 
Forum: Investing - Help with Personal Investments
Topic: Should I bite the bullet and pay 50k in fees?
Replies: 36
Views: 3139

Re: Anyone used Vanguard Flagship Services With Portfolio $1

One of the nice features of being a Flagship client is the ability to have other family members under your "Flagship Umbrella", which means they also get Flagship perks even though they don't have the $1mm invested at Vanguard. It was "family members" years ago, but I believe it...
by Dale_G
Sat Aug 30, 2014 3:15 pm
 
Forum: Investing - Help with Personal Investments
Topic: Anyone used Vanguard Flagship Services With Portfolio $1M+
Replies: 41
Views: 4221

Re: Help with Vanguard Annuity decision

boomergeneration, my 1999 Vanguard VA also permitted a "partial annuitization". If your contract also permits this, you could annuitize some portion the assets using any one of the annuity options - maybe for a 5 or 10 year designated period. If interest rates go up, Monumental may increas...
by Dale_G
Fri Aug 29, 2014 1:07 am
 
Forum: Investing - Help with Personal Investments
Topic: Help with Vanguard Annuity decision
Replies: 7
Views: 714

Re: Help with Vanguard Annuity decision

If the terms and options are identical, I am a little surprised that a "new" annuity would pay out more than a 10 year old Vanguard variable annuity given today's low interest rates. Take a good look at the "Annuity Tables" that are included in your annuity contract. Make sure yo...
by Dale_G
Thu Aug 28, 2014 6:16 pm
 
Forum: Investing - Help with Personal Investments
Topic: Help with Vanguard Annuity decision
Replies: 7
Views: 714

Re: Market Corrections — Befriending the Beast

Nice charts - I am a little surprised at the number of years that don't even have a 15% "correction". The data don't bode well for those who are waiting to invest at lower prices.

Dale
by Dale_G
Tue Aug 26, 2014 3:14 pm
 
Forum: Investing - Theory, News & General
Topic: Market Corrections — Befriending the Beast
Replies: 18
Views: 2723

Re: Paul Krugman's "Hawks Crying Wolf"

mxa01 wrote:Personally, I look forward to a return to "normal" inflation of three to five per cent so my Stable Value funds start earning more than 2% ;)


I hope you are joking, but 5% inflation is no joke.

Dale
by Dale_G
Sun Aug 24, 2014 11:48 am
 
Forum: Investing - Theory, News & General
Topic: Paul Krugman's "Hawks Crying Wolf"
Replies: 5
Views: 1115

Re: What to consider while purchasing an existing business?

fourwedge, I don't want to throw cold water on this venture, but you really have to do due diligence. It is your money, but a mistake could cost you a lot of heartache and far more than $50,000. What is the form of the business. Is it a sole proprietorship, partnership, LLC or corporation. Are you b...
by Dale_G
Fri Aug 22, 2014 1:49 am
 
Forum: Personal Finance (Not Investing)
Topic: What to consider while purchasing an existing business?
Replies: 48
Views: 3553

Re: Why only stocks in a taxable account at retirement?

Stuff changes. When I retired in 2001, my end of year holdings were 18% taxable and 82% tax deferred/tax free. The taxable accounts primarily held equity funds and the tax preference funds held a mix of equities and bonds. Today (about 13 years later) the mix is 68% taxable and 38% tax deferred/tax ...
by Dale_G
Wed Aug 20, 2014 5:52 pm
 
Forum: Investing - Theory, News & General
Topic: Why only stocks in a taxable account at retirement?
Replies: 26
Views: 1845

Re: Would you buy these funds that were recommended?

JenMom, your advisor may not be a bad person, he has a family to feed or maybe just payments on his BMW. You are a potential source of those funds. You are very wise not to invest with him. It is your money and you should keep as much of it for yourself as possible. I agree with nisiprius, don't bot...
by Dale_G
Mon Aug 18, 2014 6:22 pm
 
Forum: Investing - Help with Personal Investments
Topic: Would you buy these funds that were recommended?
Replies: 30
Views: 1484

Re: Vanguard Agent Authorization

I (we?) have done successive logins for as long as Vanguard has had internet access - up to 30 odd years ago. I think there must be something more involved in the OP's incident.

Dale
by Dale_G
Mon Aug 18, 2014 6:02 pm
 
Forum: Personal Finance (Not Investing)
Topic: Vanguard Agent Authorization
Replies: 40
Views: 2605

Re: Choosing and paying an executor

I suspect you can also specify a dollar amount as the fee.

I have the impression that fees are negotiable and that State mandated fees are the maximum that could be charged without judicial review. Wrong?

Dale
by Dale_G
Mon Aug 18, 2014 2:08 pm
 
Forum: Personal Finance (Not Investing)
Topic: Choosing and paying an executor
Replies: 10
Views: 866

Re: Point of clarification - ETFs in Roth

Correct, you cannot convert ETF shares to mutual fund shares. But in the Roth, there are no tax consequences if you sell the ETF and then buy the mutual fund. You will have to wait 3 days however for the money from the sale of the ETF to become available to buy the mutual fund.

Dale
by Dale_G
Sat Aug 16, 2014 3:21 pm
 
Forum: Investing - Help with Personal Investments
Topic: Point of clarification - ETFs in Roth
Replies: 12
Views: 569

Re: Need Advice RE Investment Advisor...or not

The Target Retirement funds are an excellent choice. The 2020 fund is about 60% equities - and that might be about right for you. "Management" of the fund will require no effort, but you might want to spend 10 minutes each quarter to look at the quarterly reports. I have plenty of time, so...
by Dale_G
Fri Aug 15, 2014 6:11 pm
 
Forum: Investing - Help with Personal Investments
Topic: Need Advice RE Investment Advisor...or not
Replies: 10
Views: 752

Re: Tangible vs Intangibles when choosing an investment comp

toto238 wrote:Social relationship you have with an advisor/broker


I would be very careful with this one. Investing should be strictly a business matter. You have to be able to ask hard questions of your advisor - and be willing to fire him/her at anytime.

Dale
by Dale_G
Fri Aug 15, 2014 3:18 pm
 
Forum: Investing - Help with Personal Investments
Topic: Tangible vs Intangibles when choosing an investment company
Replies: 18
Views: 773

Re: Re-title Vanguard Brokerage account

I did the reverse whadyaknow, - moved funds from the living trust accounts into personal accounts.

Yup there is a form for that. The Vanguard rep is right. No hassle.

Dale
by Dale_G
Wed Aug 13, 2014 10:40 pm
 
Forum: Personal Finance (Not Investing)
Topic: Re-title Vanguard Brokerage account
Replies: 3
Views: 381

Re: Advice for my mother (Widowed @ 62)

where do you live? There may be local offices of major firms that will not rip you off.

Dale
by Dale_G
Wed Aug 13, 2014 5:32 pm
 
Forum: Investing - Help with Personal Investments
Topic: Advice for my mother (Widowed @ 62)
Replies: 13
Views: 1374

Re: Changed Roth to Vanguard: 1 month later 2 cent check

Let it go. In the worst case you will receive a 1099 that shows the 2 cent disbursement. The 0.2 cent penalty will not apply since you are entitled to remove Roth contributions at any time. But is good to know that you previous custodian was not interested in ripping you off for another 2 cents. Dale
by Dale_G
Wed Aug 13, 2014 10:34 am
 
Forum: Investing - Help with Personal Investments
Topic: Changed Roth to Vanguard: 1 month later 2 cent check
Replies: 13
Views: 1237

Re: BI: High Yield six-sigma event

Emergency circumstances. Vanguard funds can postpone payment of redemption proceeds for up to seven calendar days. In addition, Vanguard funds can suspend redemptions and/or postpone payments of redemption proceeds beyond seven calendar days at times when the NYSE is closed or during emergency circ...
by Dale_G
Tue Aug 12, 2014 6:23 pm
 
Forum: Investing - Theory, News & General
Topic: BI: High Yield six-sigma event
Replies: 24
Views: 2035

Re: BI: High Yield six-sigma event

Excessive redemptions. Let the excessive redemptions continue (they can be ponzi scheme killers, in 2008 Madoff went down when he told his sons that he could not meet billions of dollars in redemptions). Now, these high yield bond funds are no ponzi scheme (I hope). I believe Vanguard and other mut...
by Dale_G
Tue Aug 12, 2014 5:50 pm
 
Forum: Investing - Theory, News & General
Topic: BI: High Yield six-sigma event
Replies: 24
Views: 2035

Re: BI: High Yield six-sigma event

We probably don't need another high yield bond thread. Those that own them seem to like them, those that don't don't.

I guess we need another 70 years of history. May Bogleheads.org last that long, even though I won't.

Dale
by Dale_G
Tue Aug 12, 2014 4:09 pm
 
Forum: Investing - Theory, News & General
Topic: BI: High Yield six-sigma event
Replies: 24
Views: 2035

Re: BI: High Yield six-sigma event

From casual observation it doesn't look like a six sigma event to me, but I don't know over what period they allegedly measured.

Anyway, bring it on. Let the weak hands retire from the field.

Dale
by Dale_G
Tue Aug 12, 2014 2:36 pm
 
Forum: Investing - Theory, News & General
Topic: BI: High Yield six-sigma event
Replies: 24
Views: 2035

Re: Help with massive debt repayment

I'll cut across the grain here a bit. At those interest rates, I personally wouldn't be in a hurry to pay off ANY of those loans. I'd invest the extra in a Roth IRA (or non-deductible if your income is too high), I-Bonds, etc., and just keep making minimums on those loans. There is plenty of time t...
by Dale_G
Mon Aug 11, 2014 6:21 pm
 
Forum: Personal Finance (Not Investing)
Topic: Help with massive debt repayment
Replies: 27
Views: 2645

Re: Help with massive debt repayment

Also, I understand the importance of compounding interest and want to make sure that I would not be better off doing something like 3k to debt repayment and 2k to taxable investment account. Don't worry about investing. The interest on your debt is effectively compounding. When you pay off the debt...
by Dale_G
Mon Aug 11, 2014 4:33 pm
 
Forum: Personal Finance (Not Investing)
Topic: Help with massive debt repayment
Replies: 27
Views: 2645

Re: Maxed Out & Stressed Out

miba, you didn't give your present age - how long until you are 65? This is important.

I know of no reason why you should pay tax on income from municipal bonds at the federal level. What state do you live in? Additional suggestions depend on your present age.

Dale
by Dale_G
Sun Aug 10, 2014 5:53 pm
 
Forum: Investing - Help with Personal Investments
Topic: Maxed Out & Stressed Out
Replies: 14
Views: 3468

Re: Volatility: Oh how I love thee.

Check out my tag line, "Volatility is my friend". I don't post that lightly.

Volatility keeps others out of the market who would otherwise drive returns lower. In the absence of volatility, stock market returns would mirror the return of CDs.

Dale
by Dale_G
Thu Aug 07, 2014 6:47 pm
 
Forum: Investing - Theory, News & General
Topic: Volatility: Oh how I love thee.
Replies: 44
Views: 3088

Re: New Investor... Where to put my money.

You are correct to avoid starting any investment at EFJ. Vanguard requires a minimum investment of $1,000 for "Star" fund. Other companies require lower amounts if you sign up for a program requiring additional scheduled investments. But don't bother investing in any high expense ratio fun...
by Dale_G
Wed Aug 06, 2014 6:20 pm
 
Forum: Investing - Help with Personal Investments
Topic: New Investor... Where to put my money.
Replies: 10
Views: 974

Re: Tracking Error - Fidelity

Fidelity is not a naughty word here. Most of their bond funds are a little expensive, but otherwise they are a very good shop. I haven't checked directly, but my guess is that for mainstream index funds such as Total Stock Market, Fido tracks the index very well - probably as good as Vanguard after ...
by Dale_G
Wed Aug 06, 2014 4:51 pm
 
Forum: Investing - Help with Personal Investments
Topic: Tracking Error - Fidelity
Replies: 5
Views: 578

Re: Bonds in a Roth IRA

If it is part of your overall allocation, bonds are fine in your Roth. Forget the stars though, they don't mean much. Stars don't persist much, except if they are 1 star :happy Many people advocate holding equities in their Roth account because of the higher expected tax free returns, but if they al...
by Dale_G
Wed Aug 06, 2014 4:27 pm
 
Forum: Investing - Help with Personal Investments
Topic: Bonds in a Roth IRA
Replies: 5
Views: 537

Re: Vanguard Roth IRA Allocation

Hi Bogleheads! Last year, I ask for advice and got some fantastic tips. Since then I have allocated my 401k very nicely, started a Vanguard IRA, and recently posted my 2nd $5,500 to the IRA. Now I am wondering where to put my assets. Keep in mind, I turn 28 this year and my IRA is setup about 90% s...
by Dale_G
Mon Aug 04, 2014 2:24 am
 
Forum: Investing - Help with Personal Investments
Topic: Vanguard Roth IRA Allocation
Replies: 1
Views: 302

Re: Inexpensive paper check replacement?

Walmart online works, but there are plenty of others online.

Dale
by Dale_G
Sat Aug 02, 2014 11:40 pm
 
Forum: Personal Finance (Not Investing)
Topic: Inexpensive paper check replacement?
Replies: 19
Views: 1559

Re: Is Medigap insurance really needed?

I am insurance averse. I buy as little as practical. But the wife and I have had Medigap for the past 13 years. I am not positive that the claims paid have exceeded the premiums, but that is likely to be the case. In addition to being insurance averse, I am also averse to manually paying bills and f...
by Dale_G
Sat Aug 02, 2014 4:47 pm
 
Forum: Personal Finance (Not Investing)
Topic: Is Medigap insurance really needed?
Replies: 83
Views: 4163

Re: Initial Vanguard Investment Help

Based on historical returns, the 90% equity fund should do better over the very long term , but it can be a rocky road. A 60/40 fund will likely have lower returns over the very long term, but it will be a smoother ride - and it may well be entirely adequate. During my accumulation years (and not in...
by Dale_G
Sat Aug 02, 2014 3:18 pm
 
Forum: Investing - Help with Personal Investments
Topic: Initial Vanguard Investment Help
Replies: 10
Views: 692

Re: buying shares in taxable

There is no tax reason to buy whole numbers of shares. If 30 years from now you want to sell 121.456 shares of Total International, you can do so. Vanguard should (hopefully) keep track of each individual purchase.

Dale
by Dale_G
Sat Aug 02, 2014 11:33 am
 
Forum: Investing - Help with Personal Investments
Topic: buying shares in taxable
Replies: 7
Views: 451

Re: Initial Vanguard Investment Help

Just invest the money now, no one knows what lies ahead. In any case, there is no need to use ETFs. Vanguard's traditional mutual funds are easier to use and, in my opinion, much more flexible.

Dale
by Dale_G
Sat Aug 02, 2014 11:23 am
 
Forum: Investing - Help with Personal Investments
Topic: Initial Vanguard Investment Help
Replies: 10
Views: 692

Re: Investing In A Specific Country

Here are some Brazilian funds: Brazil (NYSEARCA:EWZ) (1 of 2) Brazil (NYSEARCA:FBZ) (2 of 2) Brazil Consumer (NYSEARCA:BRAQ) Brazil Currency Hedged (NYSEARCA:DBBR) Brazil Financials (NYSEARCA:BRAF) Brazil Infrastructure (NYSEARCA:BRXX) Brazil Small-Cap (NYSEARCA:BRF) Brazil Small-Cap (NYSEARCA:EWZS)...
by Dale_G
Sat Aug 02, 2014 1:27 am
 
Forum: Investing - Help with Personal Investments
Topic: Investing In A Specific Country
Replies: 3
Views: 351

Re: How Much Did You Lose Today?

I lost money today (07/31/14). The fact that I didn't sell anything has nothing to do with it. On 07/30/14 a sale of my portfolio would have provided some number of actual dollars. At the close of business on 07/31/14 , my portfolio would have only provided .987 times as many actual dollars. 1.3% wa...
by Dale_G
Fri Aug 01, 2014 2:04 am
 
Forum: Investing - Help with Personal Investments
Topic: How Much Did You Lose Today?
Replies: 166
Views: 14174

Re: Need Perspective and Advise

Thanks......so far what I heard confirms my suspicions, I have much to learn and that is why I appreciate all this feedback. Out of courtesy,as agreed, I probably will meet with this adviser to hear their proposal. Received a lot of good talking points here which I might just use, please keep them ...
by Dale_G
Fri Aug 01, 2014 1:26 am
 
Forum: Investing - Help with Personal Investments
Topic: Need Perspective and Advise
Replies: 21
Views: 1818

Re: W/ AA - consider all accounts as one, including spouse?

Treat everything as one portfolio. In the OP's case both deferred accounts have very low expenses for both bonds and equities, so expense ratios shouldn't affect the husband/wife allocations (the G fund is pretty attractive for some purposes though). I would tend to keep a similar allocation in both...
by Dale_G
Thu Jul 31, 2014 4:16 pm
 
Forum: Investing - Help with Personal Investments
Topic: W/ AA - consider all accounts as one, including spouse?
Replies: 23
Views: 1086

Re: Using taxable as emergency fund - impact to allocation

I agree that your 30% bond allocation is fine and I wouldn't add to it based on possible "emergency" needs. Emergencies happen, but they should be pretty rare events. You obviously have a good income and savings regimen. Using your taxable account as a third tier emergency fund is perfectl...
by Dale_G
Thu Jul 31, 2014 3:52 pm
 
Forum: Investing - Help with Personal Investments
Topic: Using taxable as emergency fund - impact to allocation
Replies: 5
Views: 622

Re: What percentage of my portflio should be in cash?

I am 12 years into retirement - and I maintain "cash" in checking or MM accounts at 0.6% of investable assets. SS and a small pension flowing into the checking account take care of our normal expenses. 1. I find that large expenditures are very infrequent 2. My last "emergency" m...
by Dale_G
Wed Jul 30, 2014 3:19 pm
 
Forum: Investing - Help with Personal Investments
Topic: What percentage of my portflio should be in cash?
Replies: 10
Views: 934

Re: Anyone Switched to Vanguard Account Upgrade?

I haven't been "invited", buth this would be a no go for me: You’ll no longer be able to receive Vanguard fund distributions by check, by automatic transfer to your bank account, or by automatic reinvestment into another Vanguard fund. If you currently use these services, after the upgrade...
by Dale_G
Tue Jul 29, 2014 9:58 pm
 
Forum: Investing - Theory, News & General
Topic: Anyone Switched to Vanguard Account Upgrade?
Replies: 20
Views: 2820

Re: Market not interested in inflation protection?

A market requires both buyers and sellers. It could be that nobody is interested in offering inflation protection that is remotely close to being fairly priced. The problem is that no one has any idea of what is remotely close to being fairly priced For my part SS offers a good chunk of inflation (...
by Dale_G
Tue Jul 29, 2014 4:09 pm
 
Forum: Investing - Theory, News & General
Topic: Market not interested in inflation protection?
Replies: 32
Views: 2267

Re: Market not interested in inflation protection?

I think the problem is that no one has the slightest idea of what inflation will be over the next 10, 20, 30 or 40 years. Not the feds, not the insurance companies and not the potential investors. Over a wide geographical area and over time, the incidence of floods, hurricanes, tornadoes and forest ...
by Dale_G
Tue Jul 29, 2014 2:49 pm
 
Forum: Investing - Theory, News & General
Topic: Market not interested in inflation protection?
Replies: 32
Views: 2267

Re: retirement savings for my young kids?

I think the Roth IRA is a good idea for this purpose, but I would not open 3 Roths with each child as the primary beneficiary. If the Roth owner dies prematurely, the kids will have to start taking RMDs, perhaps defeating the plan. Better to start a Roth in your name with the spouse as primary benef...
by Dale_G
Mon Jul 28, 2014 4:49 pm
 
Forum: Investing - Help with Personal Investments
Topic: retirement savings for my young kids?
Replies: 29
Views: 2395

Re: Annuities and asset allocation

My annuities are for a fixed term, so with some hassle I could probably sell them at a nominal discount. Anybody want to buy an 8 year 4% CD with level monthly payments of interest and return of capital? How about one with 21 years remaining? They are not really CDs of course. The payments, after ta...
by Dale_G
Mon Jul 28, 2014 3:44 pm
 
Forum: Investing - Help with Personal Investments
Topic: Annuities and asset allocation
Replies: 32
Views: 1539

Re: DCA plan.. Help

Skyler, you don't provide enough information to enable anyone to give you a rational suggestion. If you are a new investor, I agree with dollar cost cost investing only because you have no real idea of what your risk tolerance is. If you are an experienced investor with at least $100,000 invested, I...
by Dale_G
Sun Jul 27, 2014 6:54 pm
 
Forum: Investing - Help with Personal Investments
Topic: DCA plan.. Help
Replies: 12
Views: 652

Re: NHILX High Turnover Rate [Neuberger Berman High Income B

This is a actively managed short term junk bond fund. The fund is probably not trading "bonds" at anything like an 80% turn over. Most of the turnover is likely to be in the "cash holdings" and derivative holdings of the portfolio. This kind of turn over is fairly common, especia...
by Dale_G
Sun Jul 27, 2014 3:20 pm
 
Forum: Investing - Theory, News & General
Topic: NHILX High Turnover Rate [Neuberger Berman High Income Bond]
Replies: 2
Views: 264
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