Bogleheads.org

Hi, I opened a 529b last year for my son. The 529b is in my name. My wife and I contributed 26000 in 2012 to this account. Do we need to file 709 forms for both of us? Although we fall under the gift tax exclusion (26000 for a married couple), from just looking at the account statements alone it is ...

Hi, I accidentally contributed 5000 to my wife's Roth IRA instead of our traditional IRA (both on Vanguard). We normally contribute to the traditional IRA and immediately convert (we are above the income for straight Roth IRA contributions)... 1. Does anyone have experience with this? If I call Vang...

I'm thinking of setting up an automated withdrawal plan to put money into a taxable Vanguard account automatically with each paycheck. I understand that Vanguard is supposed to start keeping better track of our shares for tax purposes starting next year. I was concerned that automatically saving twi...

Another thing to consider--- if you use the same password on every website (like most people), it's entirely possible that it could have been compromised. Even if it's completely random and uncrackable, if you have one site that has shoddy security policies and it gives up your password, it is prett...

Hi, so I am looking to put money towards a house sometime in the next few years. I will be in the 33% tax bracket, and advance to the highest tax bracket in 1-2 years. I have some money in Vanguard Limited-term Municipal Bond fund, with a current SEC yield of 1%. I'm thinking about putting some mone...

Teleb's idea is to allocate 10-20% of the money in highly risky assets which have a high possibility to do very well and the rest in treasuries. His point is that if things go to hell, you have exposed only a small fraction of your money and if things go very well, you can make a small fortune. If ...

Or to put it another way, is it more beneficial for me to rollover to Roth instead of letting the money sit in the Non-deductible IRA? Yes, it would be. With deductible contributions, you have to weigh whether or not the advantage of the tax break now outweighs tax free withdrawals at retirement. B...

If you have no knowledge of investing like most people in the country, sure individual equities aren't for you to invest in on your own. But I do think the vast majority of individuals on this forum are more than capable to invest in some individual equities, keeping in mind investing rather than t...

Hello all, FWIW I've been happy with my performance at t-rowe. Did an extensive analysis comparing my performance to what it'd have been investing in the sp500 etf and I outperformed by 7%. Thanks in advance! Consider this: In order for you to beat the market, someone has to lag the market, since t...

Thanks to all for your insightful replies. Here's another question to ponder... Many have argued that the SEC Yield/YTM should be seen as the true yield estimate to look at. However, if you look at the annual yields, including both distribution yields plus capital gain/loss, they seem to differ grea...

If you look at Bond funds, often the yield to maturity is different from the Distribution Yield. For example, for Vanguard Limited Term Tax Exempt, the distribution yield this month is 2.33%, while the average yield to maturity is 1.4%. While I understand how YTM is an important measure for individu...

In all honesty, I think the smart money was buying gold in the early 2000's. My guess is that they are selling now. Just a guess. You sound fearful (of the gold price dropping). If I was a betting man, and I am not, I would side with the view that the gold price has gotten way ahead of itself, and ...

Practically, if the US stock market falls 90%, then perhaps your retirement savings are the least of your worries. You'd probably lose your job, and with the economic chaos, you'd have more things to worry about. Also, even for the most risk averse, I'm not sure how this helps. What is the answer---...

Okay, I understand how dividends may not always be preferable to other means of returning profit to investors, like stock buybacks. I get how the amount of dividend doesn't necessary correspond to long term return. And, it makes sense that growth companies may have good growth potential , but have l...

I am currently trying to save up for a house. I have Vanguard Target Retirement funds in my 401k and Roth IRA, as well as an ING Direct account for my emergency fund. I am trying to decide how to save extra cash for a home. I live in NY, so I need a lot of cash for the downpayment, even with this ec...