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Re: Risk in a high dividend stock portfolio

Hi all, I'm a few years (2 to 5) until retirement, I'm wondering about high dividend stocks. Looking at the site, http://www.dividend.com/dividend-stocks/high-dividend-yield-stocks.php and eliminating say the first 12, just because the dividend is so high you will see 80 stocks paying between 15.69...
by Grt2bOutdoors
Wed Oct 22, 2014 2:01 pm
 
Forum: Investing - Theory, News & General
Topic: Risk in a high dividend stock portfolio
Replies: 16
Views: 1427

Re: Sold all my individual stocks, but....

Dominion Power is a sub of Dominion Resources. VTSAX held approximately 9,515,359 shares valued at $657,416,153 at September 30, 2014.
Out of 3,657 equities, it ranks at number 107 largest holding. :happy
by Grt2bOutdoors
Wed Oct 22, 2014 1:25 pm
 
Forum: Investing - Theory, News & General
Topic: Sold all my individual stocks, but....
Replies: 4
Views: 493

Re: IRS Relents! Notice 2014-54 permits Basis Isolation

dillrob, note that if you do have them split the distribution into tIRA and Roth IRA, the presence of the tIRA will interfere with your ability to do back door contributions to Roth IRA. Is that an issue for you? It is an issue for some people who want to do both things (after-tax rolled into Roth ...
by Grt2bOutdoors
Wed Oct 22, 2014 12:35 pm
 
Forum: Personal Finance (Not Investing)
Topic: IRS Relents! Notice 2014-54 permits Basis Isolation
Replies: 83
Views: 7565

Re: Give me a road map!

You need a tax attorney, not so much a CPA unless the CPA will handle the business accounting end of it. Next, whatever investment schemes they cook up (and believe me, they will cook up quite a few of them) - AVOID the following - Whole Life Insurance, Variable Annuities, Partnerships. Trusts set u...
by Grt2bOutdoors
Wed Oct 22, 2014 12:26 pm
 
Forum: Personal Finance (Not Investing)
Topic: Give me a road map!
Replies: 12
Views: 837

Re: lost 8606 from years ago - am I in trouble?

Write to the IRS for a copy of your filed income tax return for the year in question. They should send you a copy of your entire return, including the missing Form 8606. Problem solved, don't worry. I don't know the year...it was 8-15 years ago Dear IRS: I am writing to request a full copy of my Fo...
by Grt2bOutdoors
Wed Oct 22, 2014 12:02 pm
 
Forum: Personal Finance (Not Investing)
Topic: lost 8606 from years ago - am I in trouble?
Replies: 13
Views: 1083

Re: I/EE Bonds Nov Rates and 2015 401K Limits?

The CPI-U for September increased 0.1 percent, and the CPI-U increased 1.7 percent over the last 12 months. As for Series I bond rates, the increase in CPI-U from March through September is 0.74%. The rate for the next six month period, excluding any additional fixed rate, is 0.74%. Look for them t...
by Grt2bOutdoors
Wed Oct 22, 2014 8:49 am
 
Forum: Personal Finance (Not Investing)
Topic: I/EE Bonds Nov Rates and 2015 401K Limits?
Replies: 22
Views: 2855

Re: Gross Yearly Income needed in Retirement (Speculation)

The "rules of thumb" all seem to be a percentage of pre-retirement income. I found that ridiculous, since (like most Bogleheads) we saved a LOT. So instead, I kept track of actual expenses for several years. Everything went through our joint checking account, so it was simple to get a CSV...
by Grt2bOutdoors
Wed Oct 22, 2014 8:47 am
 
Forum: Personal Finance (Not Investing)
Topic: Gross Yearly Income needed in Retirement (Speculation)
Replies: 76
Views: 4135

Re: lost 8606 from years ago - am I in trouble?

Write to the IRS for a copy of your filed income tax return for the year in question. They should send you a copy of your entire return, including the missing Form 8606. Problem solved, don't worry.
by Grt2bOutdoors
Wed Oct 22, 2014 8:41 am
 
Forum: Personal Finance (Not Investing)
Topic: lost 8606 from years ago - am I in trouble?
Replies: 13
Views: 1083

Re: Gross Yearly Income needed in Retirement (Speculation)

Wow, so many people are such spenders. I think 40k after taxes is plenty to do all those things you listed with no debt for us. Try that when real estate property taxes cost $15K per year for an "average" home. Or rent for a 1 bedroom efficiency apartment is $1,400 but a parking space cos...
by Grt2bOutdoors
Wed Oct 22, 2014 8:37 am
 
Forum: Personal Finance (Not Investing)
Topic: Gross Yearly Income needed in Retirement (Speculation)
Replies: 76
Views: 4135

Re: Gross Yearly Income needed in Retirement (Speculation)

Wow, so many people are such spenders. I think 40k after taxes is plenty to do all those things you listed with no debt for us. Try that when real estate property taxes cost $15K per year for an "average" home. Or rent for a 1 bedroom efficiency apartment is $1,400 but a parking space cos...
by Grt2bOutdoors
Wed Oct 22, 2014 8:20 am
 
Forum: Personal Finance (Not Investing)
Topic: Gross Yearly Income needed in Retirement (Speculation)
Replies: 76
Views: 4135

Re: Should I sell My American Funds?

I accounts over to another fund family (most likely Vanguard). I am in the 39.6% tax bracket. Am I correct in assuming I can transfer my IRA's and Roth IRA's to Vanguard without tax consequences? Would there be any tax consequences for the UTMA's? I have one taxable investment account that I assume...
by Grt2bOutdoors
Wed Oct 22, 2014 8:12 am
 
Forum: Investing - Help with Personal Investments
Topic: Should I sell My American Funds?
Replies: 8
Views: 784

Re: Gross Yearly Income needed in Retirement (Speculation)

How much gross yearly income before taxes do you think you need in retirement? I'm looking to get a bunch of different viewpoints on this. Here are the parameters. -You own a house and it's paid for free and clear -You own cars outright -You have no debt of any kind whatsoever -You want to live a m...
by Grt2bOutdoors
Tue Oct 21, 2014 4:51 pm
 
Forum: Personal Finance (Not Investing)
Topic: Gross Yearly Income needed in Retirement (Speculation)
Replies: 76
Views: 4135

Re: Can I stop saving for a retirement 30 years in the futur

I'm a lot older than you are and at least twice as pessimistic , but I'd be really nervous planning on achieving 4% real growth . I hope that comes to pass, because I'd be living large, but I can't bring myself to rely on it. IMO, max out retirement savings. Hopefully, you will have jobs so gratify...
by Grt2bOutdoors
Tue Oct 21, 2014 4:10 pm
 
Forum: Personal Finance (Not Investing)
Topic: Can I stop saving for a retirement 30 years in the future?
Replies: 11
Views: 2481

Re: Seeking Retirement Portfolio Advice

Great job saving! Nice handle! :)

If you were to utilize the self-brokerage window, what charges would you pay if one were to buy ETF's for instance or mutual funds that are not associated with JP Morgan Chase?
by Grt2bOutdoors
Tue Oct 21, 2014 4:07 pm
 
Forum: Investing - Help with Personal Investments
Topic: Seeking Retirement Portfolio Advice
Replies: 4
Views: 505

Re: Bonds in taxable or tax advantaged?

If I am using a 2 Fund Portfolio (VTSMX/VTI & VBMFX/BND), with ETFs for both, and given the relatively low Bond yields, does it really matter which account (taxable vs. tax advantaged) to use for either fund? Thanks What is your tax bracket and what is the dollar volume you are talking about? L...
by Grt2bOutdoors
Tue Oct 21, 2014 4:04 pm
 
Forum: Investing - Help with Personal Investments
Topic: Bonds in taxable or tax advantaged?
Replies: 9
Views: 737

Re: Fund 529 or Catchup 401K Contributions

Does your 401K plan permit after-tax contributions to it? If so, you may want to consider doing that so long as the plan permits at least a once per year in-service distribution of those after-tax contributions that are then directly rolled over into a ROTH IRA account. Just another tool in the box ...
by Grt2bOutdoors
Tue Oct 21, 2014 3:57 pm
 
Forum: Investing - Help with Personal Investments
Topic: Fund 529 or Catchup 401K Contributions
Replies: 4
Views: 239

Re: Fund 529 or Catchup 401K Contributions

I would vote for 401k plan if the investment options are as cheap as those within the 529 plan. If the 401k plan had costly investment options then maybe the 529 plan would be preferable. Retirement assets are not considered for financial aid or college costs at the present time, plus you would get ...
by Grt2bOutdoors
Tue Oct 21, 2014 1:40 pm
 
Forum: Investing - Help with Personal Investments
Topic: Fund 529 or Catchup 401K Contributions
Replies: 4
Views: 239

Re: Leon Cooperman giving the same advice as Warren

Pretty much in line with where I have been moving for a year or so. Exception is I hold more than 1 index fund. For me setting aside X years of living expenses in a CD ladder or I Bonds then buying equities (especially on dips) has been a more attractive approach then buying an intermediate term bo...
by Grt2bOutdoors
Tue Oct 21, 2014 1:36 pm
 
Forum: Investing - Theory, News & General
Topic: Leon Cooperman giving the same advice as Warren
Replies: 47
Views: 3094

Re: Leon Cooperman giving the same advice as Warren

Well, if two giants said it, Vanguard is clearly wrong. Sell all your bonds, immediately. Yes, please do so...I along with Warren's insurance subsidiaries will be there to scoop up those higher yields. Lower prices = higher yields. Both Warren and Leon clearly need higher yields to propel their pla...
by Grt2bOutdoors
Tue Oct 21, 2014 1:35 pm
 
Forum: Investing - Theory, News & General
Topic: Leon Cooperman giving the same advice as Warren
Replies: 47
Views: 3094

Re: What Are We Doing To Our Young Investors?

Three cheers for the "I need it now, I want it now" society, NOT! :annoyed
by Grt2bOutdoors
Tue Oct 21, 2014 1:20 pm
 
Forum: Investing - Theory, News & General
Topic: What Are We Doing To Our Young Investors?
Replies: 23
Views: 3103

Re: Investment Advice Please - boglehead redux

You are currently 50% equity and 50% fixed income based on your holdings of mutual funds only. You hold a $150K note to your son, do you have a documented mortgage on the property in case of default? A 5% interest rate is above market these days, if your son had decent credit he could theoretically ...
by Grt2bOutdoors
Tue Oct 21, 2014 1:08 pm
 
Forum: Investing - Help with Personal Investments
Topic: Investment Advice Please - boglehead redux
Replies: 3
Views: 352

Re: Can I stop saving for a retirement 30 years in the futur

Your annual expense run rate - does that include the cost of individually paid healthcare for a family of four? Are you currently covered by an employer paid plan? If so, you may find the cost of your healthcare will go up much higher than you are currently budgeting. To answer your question - can y...
by Grt2bOutdoors
Tue Oct 21, 2014 12:48 pm
 
Forum: Personal Finance (Not Investing)
Topic: Can I stop saving for a retirement 30 years in the future?
Replies: 11
Views: 2481

Re: What Are We Doing To Our Young Investors?

"We" are teaching them to live to the limit, take a jump over the cliff even though statistics bear out the grim truth - those who take un-necessary risk will pay the price. There is prudent risk taking and then there is absolute foolishness. Guess which bucket industry is in?
by Grt2bOutdoors
Tue Oct 21, 2014 11:13 am
 
Forum: Investing - Theory, News & General
Topic: What Are We Doing To Our Young Investors?
Replies: 23
Views: 3103

Re: Why I won't have bond funds

The author is pining for the high inflation days of the 1970s because back then, you could pick up bonds at 15% nominal interest. The author doesn't remember the 1970's except the bell bottom pants because the author was still a child. I remember the oil embargo and waiting in a very long line for ...
by Grt2bOutdoors
Tue Oct 21, 2014 11:08 am
 
Forum: Investing - Theory, News & General
Topic: Why I won't have bond funds
Replies: 33
Views: 4036

Re: Why I won't have bond funds

I wonder how many clients of Arden get a warm and fuzzy feeling reading that gibberish. The author fails to back up her "analysis" with the actual math behind total return of a bond fund. :oops: The author clearly does not understand the mechanics of asset allocation, diversification, how ...
by Grt2bOutdoors
Tue Oct 21, 2014 11:05 am
 
Forum: Investing - Theory, News & General
Topic: Why I won't have bond funds
Replies: 33
Views: 4036

Re: Leon Cooperman giving the same advice as Warren

Cash = Fiat money Bonds = are promissory notes to pay back borrowed money at a set date in time Equities = claims on illusory profits. One can hold both cash and short-term fixed bonds and equities to realize the benefits of diversification and capital growth. Bonds should never be thought of as a h...
by Grt2bOutdoors
Mon Oct 20, 2014 3:21 pm
 
Forum: Investing - Theory, News & General
Topic: Leon Cooperman giving the same advice as Warren
Replies: 47
Views: 3094

Re: Help needed implementing our Boglehead plan

How much "out of whack" will your overall asset allocation become? Unless your biweekly contributions amount to a percent of portfolio exceeding 5%, I would just make your contributions each paycheck and re-balance once per year using a methodology similar to the 5/25 rule as shown in the ...
by Grt2bOutdoors
Mon Oct 20, 2014 12:30 pm
 
Forum: Investing - Help with Personal Investments
Topic: Help needed implementing our Boglehead plan
Replies: 2
Views: 312

Re: How does one hedge against deflation?

I Bonds work well in both inflationary and deflationary periods. Since the composite rate on I Bonds can never go below 0%, the greater the rate of DEflation, the higher the REAL return will be. EE bonds also guaranteed to double in 20 years John You beat me to it today, but I've been recommending ...
by Grt2bOutdoors
Mon Oct 20, 2014 12:13 pm
 
Forum: Investing - Theory, News & General
Topic: How does one hedge against deflation?
Replies: 52
Views: 3657

Re: Inherited IRA investment for 20-somethings

I suggest you have them look at the Vanguard Target Retirement funds. Just that one fund alone is all they need inside the inherited IRA. For the other child, you can add money to the 529 as a gift from someone besides the parents. The 529 does not have a limit, the parents face the gift limit. Lau...
by Grt2bOutdoors
Mon Oct 20, 2014 9:43 am
 
Forum: Investing - Help with Personal Investments
Topic: Inherited IRA investment for 20-somethings
Replies: 13
Views: 740

Re: Saving for College - Help choosing 529 plan

I also consider paying down my mortgage investing for college since the $ that goes to mortgage can be used for college once the debt is paid off. When I looked into 529s I was discouraged by the fees, but I may relook. lafder That works if you have stable low risk of unemployment, otherwise you ma...
by Grt2bOutdoors
Sun Oct 19, 2014 11:04 pm
 
Forum: Investing - Help with Personal Investments
Topic: Saving for College - Help choosing 529 plan
Replies: 11
Views: 903

Re: Saving for College - Help choosing 529 plan

I greatly appreciate the comments. I’ve spent a few hours searching the forums and reading about each of the following plans that I’ve outlined below. I plan to select one as my path forward – just need suggestions on each and recommendations on asset allocations. Utah 529 Plan: Current aged-based ...
by Grt2bOutdoors
Sun Oct 19, 2014 11:01 pm
 
Forum: Investing - Help with Personal Investments
Topic: Saving for College - Help choosing 529 plan
Replies: 11
Views: 903

Re: Advice sought for $6M investment

What is your state tax bracket? Do you pay income tax there? Total Bond Market Index currently yields 2.07%, someone in the 33% tax bracket will give up .68% in taxes to the Feds for a total yield of 1.38%. Instead, if you hold Vanguard Tax Exempt Intermediate Fund you will earn about 2.358% on a ta...
by Grt2bOutdoors
Sun Oct 19, 2014 10:41 pm
 
Forum: Investing - Help with Personal Investments
Topic: Advice sought for $6M investment
Replies: 36
Views: 3638

Re: Personal Investment Decision

Hi everyone, I thought this would be a good place for me to come for investing advice. I am 24 years old and I am an accountant. I have $70,000 to invest. Using this money towards advanced schooling is not beneficial as I have already earned an MBA. Obviously since I am young I have an aggressive r...
by Grt2bOutdoors
Sun Oct 19, 2014 10:29 pm
 
Forum: Investing - Help with Personal Investments
Topic: Personal Investment Decision
Replies: 16
Views: 1508

Re: "I've had it" at work - how often

Field - finance Age - around yours Times per month - lately about 3x per month, the older I get the more I realize just how many folks lack plain common sense, that deficiency in turn leads to poor decision making :oops: :oops: The grass is not greener anywhere else they say, but if you can provide ...
by Grt2bOutdoors
Sun Oct 19, 2014 8:14 pm
 
Forum: Personal Finance (Not Investing)
Topic: "I've had it" at work - how often
Replies: 150
Views: 11626

Re: Missing Dividend Payment Information

Your retirement plan is invested in a collective investment trust. One of the features of such a trust is the net asset value price shown includes the total return of the securities held in the portfolio - price plus dividends and interest, without being separately disclosed. If you do call, they'll...
by Grt2bOutdoors
Fri Oct 17, 2014 11:25 pm
 
Forum: Personal Finance (Not Investing)
Topic: Missing Dividend Payment Information
Replies: 27
Views: 1531

Re: When can I afford to buy a home?

If interest rates go up substantially, house prices will probably go down substantially. That is a better time to buy than with low rates and high prices, because you can refinance a high rate into a lower one but you can't refinance a high purchase price into a lower one. So I wouldn't worry about...
by Grt2bOutdoors
Fri Oct 17, 2014 11:21 pm
 
Forum: Personal Finance (Not Investing)
Topic: When can I afford to buy a home?
Replies: 21
Views: 2484

Re: Career Advice - leaving public accounting

Although you've already mentioned it, I'd focus on obtaining the CPA certification prior to leaving Big 4. I'd scratch the idea of being a general ledger accountant or manager in gl accounting, you may find the work to be quite repetitive in nature (boring) and the hours can be long during month-end...
by Grt2bOutdoors
Fri Oct 17, 2014 11:12 pm
 
Forum: Personal Finance (Not Investing)
Topic: Career Advice - leaving public accounting
Replies: 8
Views: 938

Re: Livesoft - Thank you

Yes, hats off to Livesoft, especially like reading his "how to pay little or no taxes if you make $200K and above" posts and also the ones banging the drum on how cheap International, especially VSS is right now. :D Oops, almost forgot about his RBD posts. :greedy
by Grt2bOutdoors
Fri Oct 17, 2014 4:51 pm
 
Forum: Local Chapters and Bogleheads Community
Topic: Livesoft - Thank you
Replies: 37
Views: 4014

Re: Can I reduce my *retirement* savings rate?

So I'll give you my honest feedback after reading this thread and I'm not trying to be negative here. I have a similar issue. -I think you are over-analyzing your future retirement. The fact that you mull over it daily and are pouring through calculations and spreadsheets, this can become unhealthy...
by Grt2bOutdoors
Fri Oct 17, 2014 1:06 pm
 
Forum: Investing - Help with Personal Investments
Topic: Can I reduce my *retirement* savings rate?
Replies: 35
Views: 3296

Re: First investment strategy meeting with new FA, $6M trust

Suggest you read GMO.com (free to sign up), they have an interesting chart they publish on their 7 year rolling forecast of projected real returns for various asset classes. Or you can visit other sites on the web that also forecast real returns. In any event, the FA is projecting his 0.79 expense r...
by Grt2bOutdoors
Thu Oct 16, 2014 9:01 pm
 
Forum: Investing - Help with Personal Investments
Topic: First investment strategy meeting with new FA, $6M trusts
Replies: 80
Views: 4505

Re: 50K investment

You leave out one crucial piece of information - what is your friends risk tolerance? What is your friends asset allocation plan - 100% equities? That is your suggestion for him. Very aggressive, very risky advice. A good starting point for someone who wants an aggressive portfolio might be 80/20, o...
by Grt2bOutdoors
Thu Oct 16, 2014 8:38 pm
 
Forum: Investing - Help with Personal Investments
Topic: 50K investment
Replies: 4
Views: 321

Re: Got my first cold call - does this mean I've 'made it?'

I've been cold-called by insurance agents, dentists, financial planners, magazine subscription services - all at work! The particularly pushy ones are the whole-life insurance agents who want to sell me on tax-efficient investments. :oops: After I give them the lecture on the lowest cost tax-efficie...
by Grt2bOutdoors
Thu Oct 16, 2014 12:52 pm
 
Forum: Personal Finance (Not Investing)
Topic: Got my first cold call - does this mean I've 'made it?'
Replies: 27
Views: 5017

Re: Why are 401k plans expensive?

leonard wrote:Incompetence.


+1 Plus with captive customers (retirement participants) who can't manage their own money let alone shop for a better deal, it's easy to pull the wool over their eyes and collect those nickels - in other words, it's an annuity plan for the selling broker.
by Grt2bOutdoors
Thu Oct 16, 2014 8:50 am
 
Forum: Investing - Theory, News & General
Topic: Why are 401k plans expensive?
Replies: 39
Views: 2977

Re: Dry Powder

I'm too lazy to do it, but you could set up a model that would have a constant rate of return for stocks (dividend + appreciation), an average dip amount, and a dip frequency, and a recovery time. If the dips are deep enough or frequent enough, and if the constant return is high enough, you're bett...
by Grt2bOutdoors
Thu Oct 16, 2014 8:45 am
 
Forum: Investing - Theory, News & General
Topic: Dry Powder
Replies: 49
Views: 3500

Re: is anything 'cheap' out there?

Those seeking a guaranteed nominal floor exactly 20 years from now could consider EE bonds,
by Grt2bOutdoors
Thu Oct 16, 2014 7:27 am
 
Forum: Investing - Theory, News & General
Topic: is anything 'cheap' out there?
Replies: 54
Views: 5478

Re: is anything 'cheap' out there?

grok87 wrote:Japanese stocks


Ever try catching a falling knife? That said, Japanese stocks make up a healthy portion of Total International Stock Index, so well covered there.
by Grt2bOutdoors
Wed Oct 15, 2014 10:51 am
 
Forum: Investing - Theory, News & General
Topic: is anything 'cheap' out there?
Replies: 54
Views: 5478

Re: Treasury Bonds falling through the floor

Could be offering another chance at mortgage refinancing. Those who were proclaiming a coming bond market crash have egg all over their faces. Where are the pundits now?
by Grt2bOutdoors
Wed Oct 15, 2014 10:47 am
 
Forum: Investing - Theory, News & General
Topic: Treasury Bonds falling through the floor
Replies: 13
Views: 1398

Re: Graphic: Income -> Accounts -> Retirement

One could also use a ROTH IRA to fund tax free health spending. Yes, HSA's are health specific whereas ROTH IRA's can be accessed in the near-term allowing principal contribution withdrawals with no penalty and in the future at retirement at one's discretion, there is no mandatory RMD nor is one re...
by Grt2bOutdoors
Tue Oct 14, 2014 11:01 pm
 
Forum: Personal Finance (Not Investing)
Topic: Graphic: Income -> Accounts -> Retirement
Replies: 11
Views: 2217
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